{"id":"review-mt66q4e9","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"austin-excess-liability_starr-indemnity_1000588272231","pagesSwept":16,"pagesTotal":46,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The operator chose to proceed without: Underlying policy XSM G47398137 001 scheduled by 1000588272231; Underlying policy TB5-661-067424-023 scheduled by 1000588272231; Underlying policy WA5-66D-067424-013 scheduled by 1000588272231; Underlying policy 140000976 scheduled by 1000588272231; Underlying policy 0313-7437 scheduled by 1000588272231. Decided 2026-08-23T19:33:45.410Z. The absence and this choice are part of the record."],"unsatisfied":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"expectations":[{"id":"expectation:1000588272231:xsm-g47398137-001","what":"Underlying policy XSM G47398137 001 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:tb5-661-067424-023","what":"Underlying policy TB5-661-067424-023 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:wa5-66d-067424-013","what":"Underlying policy WA5-66D-067424-013 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:140000976","what":"Underlying policy 140000976 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:0313-7437","what":"Underlying policy 0313-7437 scheduled by 1000588272231","basis":"cited","source":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null}],"documentsRead":["austin-excess-liability_starr-indemnity_1000588272231"]},"answers":[{"state":"fail","message":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"cannot-determine","message":"Fewer than two policies carry a named insured, so there is nothing to compare.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"fail","message":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"fail","message":"At least one layer pays defense costs inside the limits. Legal spend erodes the same money that pays the loss, so the stated limit is not what is available at the end of a contested claim.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"pass","message":"No provision was found capping a coverage below the policy limit.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"role":"unknown","limit":1000000,"carrier":"LM Insurance Corp.","sources":{"limit":{"page":12,"quote":"$1,000,000 Each Accident","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Coverage: Employers Liability\nCarrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-2","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2026-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"WA5-66D-067424-013","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":2000000,"carrier":"LM Insurance Corp.","sources":{"limit":{"page":12,"quote":"$2,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Coverage: General Liability\nCarrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$4,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-1","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"TB5-661-067424-023","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":5000000,"carrier":"QBE Insurance Corp.","sources":{"limit":{"page":12,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Coverage: Excess Liability\nCarrier: QBE Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-3","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"140000976","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":5000000,"carrier":"Allied World Specialty Ins Co.","sources":{"limit":{"page":13,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":13,"quote":"Coverage: Excess Liability\nCarrier: Allied World Specialty Ins Co.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":13,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-4","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"0313-7437","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":15000000,"carrier":"Indem Ins Co. of North America","sources":{"limit":{"page":12,"quote":"$15,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: Indem Ins Co. of North America","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$15,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-0","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"XSM G47398137 001","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":15000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":15000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"Starr Indemnity & Liability Company","sources":{"limit":{"page":7,"quote":"A. $ 25,000,000 Each Occurrence","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"attachmentPoint":{"page":12,"quote":"$15,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"productsCompletedOpsAggregate":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","effective":"2023-04-03","formBasis":"occurrence","deductible":null,"expiration":"2029-04-03","formNumbers":["PNSI 014 TX","CLAIMS RPT","SIPN 018","SIPN-002 03 21","XS 360 TX","XS 101 TX D","SIIL-0001 01 22","XS 102","XS 100","XS 301 TX","XS 331 TX","XS 104","XS 113","XS 134 TX","XS 143","XS 149","XS 342","XS 343","SIXS-0341 01 22","XS 374","XS 395","XS-416"],"namedInsured":"City of Austin","policyNumber":"1000588272231","scheduledOnly":false,"attachmentPoint":15000000,"exhaustionPoint":40000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"yes","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":53000000,"towerIssues":[{"kind":"attachment-disagreement","amount":12000000,"detail":"This policy states an attachment point of 27,000,000, and its own schedule of underlying insurance names underlying limits topping out at 15,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names XSM G47398137 001, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names TB5-661-067424-023, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names WA5-66D-067424-013, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 140000976, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-3"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 0313-7437, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-4"]},{"kind":"attachment-gap","amount":14000000,"detail":"WA5-66D-067424-013 exhausts at 1,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 14,000,000 band.","layerPolicyIds":["scheduled-2","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"attachment-gap","amount":13000000,"detail":"TB5-661-067424-023 exhausts at 2,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 13,000,000 band.","layerPolicyIds":["scheduled-1","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"attachment-gap","amount":10000000,"detail":"140000976 exhausts at 5,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 10,000,000 band.","layerPolicyIds":["scheduled-3","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"attachment-gap","amount":10000000,"detail":"0313-7437 exhausts at 5,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 10,000,000 band.","layerPolicyIds":["scheduled-4","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on TB5-661-067424-023), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-1"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on 140000976), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-3"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on 0313-7437), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-4"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on XSM G47398137 001), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-0"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on 1000588272231), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","austin-excess-liability_starr-indemnity_1000588272231"]}],"restrictions":[{"label":"Defense condition amendment","where":"endorsement","source":"policy-language","citation":{"page":31,"quote":"Defense Condition Amendment","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 143","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","source":"policy-language","citation":{"page":33,"quote":"This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof, or any substantially similar system or any part thereof, including the application or use of conditioners, primers, accessories, flashings, coatings, caulkings or sealants in connection with such a system. 2. Any work or operations with respect to any exterior component, fixture or feature of any structure if an \"exterior insulation and finish system\" is used on any part of that structure.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 149","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 342","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses","where":"endorsement","source":"policy-language","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 343","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":37,"quote":"\"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\" Any loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such loss or damage.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"SIXS-0341","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":40,"quote":"\"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 395","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","source":"policy-language","citation":{"page":41,"quote":"This insurance does not apply to: Cannabis 1. \"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"; or b. The actual, alleged, threatened or suspected inhalation, ingestion, absorption or consumption of, contact with, exposure to, existence of, or presence of \"cannabis\"; or 2. Property damage to \"cannabis\".","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS-416","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":6,"quote":"THIS POLICY CONTAINS AN ASBESTOS EXCLUSION. NO COVERAGE IS PROVIDED FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS OR ANY OBLIGATION TO INDEMNIFY OTHERS FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS – 360 TX","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion (base form)","where":"base-form","source":"policy-language","citation":{"page":23,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 100","alsoProvisions":["Auto Coverages Exclusion (base form)","Nuclear Exclusion (base form)","Pollution Exclusion (base form)","Workers Compensation and Similar Laws Exclusion (base form)"],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With Building Heating Equipment Exception And Hostile Fire Exception","where":"endorsement","source":"policy-language","citation":{"page":27,"quote":"Exclusion D. Pollution under SECTION V. EXCLUSIONS is replaced with the following: D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 104","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Continuing or Progressively Deteriorating Damages","where":"endorsement","source":"policy-language","citation":{"page":30,"quote":"In the event of continuing or progressively deteriorating damage, such damage shall be deemed to occur only when such damage becomes known to the insured. If the damage first becomes known to the insured during the Policy Period, our Limits of Insurance in effect at the time of such knowledge shall be the only limits that apply.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 134 TX","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"yes","underlyingScheduleCount":5,"formsWithNoRestrictionFound":20},"findings":[{"id":"finding-global.attachment-continuity","layer":"global","impact":"Does every layer attach where the layer beneath it exhausts?","ruleId":"global.attachment-continuity","degraded":true,"evidence":[{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"statement":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","ruleVersion":"cbb148ade44b"},{"id":"finding-global.underlying-provided","layer":"global","impact":"Was every policy named in a schedule of underlying insurance provided?","ruleId":"global.underlying-provided","degraded":true,"evidence":[{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"statement":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"},{"id":"finding-global.term-concurrency","layer":"global","impact":"Do all layers run on the same policy period?","ruleId":"global.term-concurrency","degraded":true,"evidence":[{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"statement":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","ruleVersion":"57030f9e857f"},{"id":"finding-global.defense-outside-limits","layer":"global","impact":"Are defense costs payable in addition to the limits?","ruleId":"global.defense-outside-limits","degraded":true,"evidence":[],"dependsOn":[],"statement":"At least one layer pays defense costs inside the limits. Legal spend erodes the same money that pays the loss, so the stated limit is not what is available at the end of a contested claim.","ruleVersion":"fea2836950cd"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt66q4e9","decisions":[],"unanswered":[{"reason":"Fewer than two policies carry a named insured, so there is nothing to compare.","questionId":"global.same-named-insured"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-shallow-global.defense-outside-limits","evidence":[],"statement":"\"Are defense costs payable in addition to the limits?\" is answered from policy language, and 16 pages were read as text for schedules and declarations values rather than examined. The answer stands on the pages that were read in full.","packetComplete":false},{"id":"observation-tower-attachment-disagreement-0","evidence":[],"statement":"This policy states an attachment point of 27,000,000, and its own schedule of underlying insurance names underlying limits topping out at 15,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","packetComplete":true},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-classifier","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf, from the classifier: This is a complete policy packet containing: the declarations page (pages 7-9, form XS-101-D TX 03/09), a schedule of underlying insurance (pages 12-13, form XS-102 10/08), the excess liability policy form (pages 14-23, form XS-100 10/08), and numerous endorsements and policyholder notices. The dominant document type is declarations. The policy is an Excess Liability policy (Commercial Excess Liability per Item 3), not a general liability policy; line is typed 'excess'. Policy period is April 3, 2023 to April 3, 2029. Limits: $25,000,000 Each Occurrence, $25,000,000 Other Aggregate, $25,000,000 Products-Completed Operations Aggregate. Pages 1-6 are policyholder notices (Texas accident prevention, claim reporting guidelines, complaint procedures, OFAC notice, communicable disease exclusion notice, asbestos exclusion notice). The premium schedule on page 8 (Item 6) is blank — no premium figures are printed.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-citations","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: 120 of 121 figures were confirmed against the page they cite. The remaining 1 could not be, so it is the reader's word rather than the document's. Nothing else in this reading depends on it.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-truncated","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: pages 1 to 30 were read in full, and all 46 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[{"id":"decision-review-mt66q4e9-gate","kind":"proceed-without-document","field":null,"citation":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"decidedAt":"2026-08-23T19:33:45.410Z","decidedBy":"[user.name]","rationale":"The reading is completed without the named policy. Every finding that depends on it is degraded and says so.","documentId":"austin-excess-liability_starr-indemnity_1000588272231","systemValue":"Underlying policy XSM G47398137 001 scheduled by 1000588272231; Underlying policy TB5-661-067424-023 scheduled by 1000588272231; Underlying policy WA5-66D-067424-013 scheduled by 1000588272231; Underlying policy 140000976 scheduled by 1000588272231; Underlying policy 0313-7437 scheduled by 1000588272231","decidedValue":"Proceed without it","policyNumber":null,"effectiveDate":null,"terminationDate":null}],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":62955,"outputTokens":503,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":70091,"outputTokens":8374,"cacheReadTokens":0,"cacheWriteTokens":1961},{"model":"claude-haiku-4-5","inputTokens":24068,"outputTokens":3875,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4166,"outputTokens":180,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"austin-excess-liability_starr-indemnity_1000588272231","sha256":"d65afe97490a408aab228f36fcacb61738212beee8f3f047880515a6a61bf3c3","filename":"austin-excess-liability_starr-indemnity_1000588272231.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"This is a complete policy packet containing: the declarations page (pages 7-9, form XS-101-D TX 03/09), a schedule of underlying insurance (pages 12-13, form XS-102 10/08), the excess liability policy form (pages 14-23, form XS-100 10/08), and numerous endorsements and policyholder notices. The dominant document type is declarations. The policy is an Excess Liability policy (Commercial Excess Liability per Item 3), not a general liability policy; line is typed 'excess'. Policy period is April 3, 2023 to April 3, 2029. Limits: $25,000,000 Each Occurrence, $25,000,000 Other Aggregate, $25,000,000 Products-Completed Operations Aggregate. Pages 1-6 are policyholder notices (Texas accident prevention, claim reporting guidelines, complaint procedures, OFAC notice, communicable disease exclusion notice, asbestos exclusion notice). The premium schedule on page 8 (Item 6) is blank — no premium figures are printed.","carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"pageCount":46,"confidence":"high","namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":46,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"austin-excess-liability_starr-indemnity_1000588272231","role":"excess","term":{"effective":{"value":"2023-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"expiration":{"value":"2029-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"notes":"Role: The declarations page is titled 'EXCESS LIABILITY DECLARATIONS' and states 'ITEM 3. COVERAGE: Commercial Excess Liability'; role is excess. Form basis: Page 9 states 'IF THE FIRST UNDERLYING INSURANCE POLICY(IES) PROVIDE COVERAGE ON A CLAIMS-MADE BASIS, THIS POLICY ALSO APPLIES ON A CLAIMS-MADE BASIS' — this is a conditional statement, not a definitive print of the form basis. The underlying General Liability policy (LM Insurance Corp.) is the likely occurrence form; no definitive occurrence or claims-made designation is printed for the Starr policy itself absent underlying form basis. Conservatively set to occurrence but confidence is medium. Attachment point: The declarations refer to an attached schedule of underlying insurance rather than printing a dollar figure for the attachment point directly; no single attachment point figure is printed on the declarations page. The attachment point is not printed as a single figure and cannot be transcribed; the field was populated with the first-layer underlying limit as a note but this is a reading limitation — the actual total underlying stack is not printed as a single attachment figure. The attachment point field should be treated as not directly printed; confidence is low. Defense inside limits: The policy form (XS 100) states defense costs are included in Ultimate Net Loss only when the underlying insurance includes defense costs within limits; this is a conditional provision. Additionally, endorsement XS 143 'Defense Condition Amendment' is listed but not reproduced in the provided pages, which may further amend the defense treatment. Confidence on defenseInsideLimits is therefore medium. The Employers Liability line (WA5-66D-067424-013) expires 04/03/2026, while all other underlying policies run to 04/03/2029 — a gap in underlying coverage exists for the Employers Liability line after 2026.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":7,"quote":"A. $ 25,000,000 Each Occurrence","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["austin-excess-liability_starr-indemnity_1000588272231"],"namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"restrictions":[{"label":"Defense condition amendment","where":"endorsement","citation":{"page":31,"quote":"Defense Condition Amendment","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 143","carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","citation":{"page":33,"quote":"This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof, or any substantially similar system or any part thereof, including the application or use of conditioners, primers, accessories, flashings, coatings, caulkings or sealants in connection with such a system. 2. Any work or operations with respect to any exterior component, fixture or feature of any structure if an \"exterior insulation and finish system\" is used on any part of that structure.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 149","carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 342","carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses","where":"endorsement","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 343","carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","citation":{"page":37,"quote":"\"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\" Any loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such loss or damage.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"SIXS-0341","carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":40,"quote":"\"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 395","carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","citation":{"page":41,"quote":"This insurance does not apply to: Cannabis 1. \"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"; or b. The actual, alleged, threatened or suspected inhalation, ingestion, absorption or consumption of, contact with, exposure to, existence of, or presence of \"cannabis\"; or 2. Property damage to \"cannabis\".","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS-416","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","citation":{"page":6,"quote":"THIS POLICY CONTAINS AN ASBESTOS EXCLUSION. NO COVERAGE IS PROVIDED FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS OR ANY OBLIGATION TO INDEMNIFY OTHERS FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS – 360 TX","carrierNoticedReduction":false},{"label":"Asbestos Exclusion (base form)","where":"base-form","citation":{"page":21,"quote":"A. Asbestos 1. \"Ultimate Net Loss\" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of or exposure to asbestos, asbestos products, asbestos fibers or asbestos dust","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Auto Coverages Exclusion (base form)","where":"base-form","citation":{"page":21,"quote":"B. Auto Coverages \"Ultimate Net Loss\" arising out of or resulting from any first party physical damage coverage; no- fault law; personal injury protection or auto medical payments coverage; or uninsured or underinsured motorist law.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Nuclear Exclusion (base form)","where":"base-form","citation":{"page":22,"quote":"C. Nuclear \"Ultimate Net Loss\": 1. a. With respect to which the Insured is also an Insured under a nuclear energy liability policy","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Pollution Exclusion (base form)","where":"base-form","citation":{"page":23,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws Exclusion (base form)","where":"base-form","citation":{"page":23,"quote":"E. Workers Compensation and Similar Laws \"Ultimate Net Loss\" for any obligation of the Insured under any worker's compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With Building Heating Equipment Exception And Hostile Fire Exception","where":"endorsement","citation":{"page":27,"quote":"Exclusion D. Pollution under SECTION V. EXCLUSIONS is replaced with the following: D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 104","carrierNoticedReduction":false},{"label":"Continuing or Progressively Deteriorating Damages","where":"endorsement","citation":{"page":30,"quote":"In the event of continuing or progressively deteriorating damage, such damage shall be deemed to occur only when such damage becomes known to the insured. If the damage first becomes known to the insured during the Policy Period, our Limits of Insurance in effect at the time of such knowledge shall be the only limits that apply.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 134 TX","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Important Notice To Texas Policyholders","citation":{"page":8,"quote":"Important Notice To Texas Policyholders PNSI 014 TX (07/16)","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"edition":{"value":"07/16","citation":{"page":8,"quote":"PNSI 014 TX (07/16)","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"formNumber":{"value":"PNSI 014 TX","citation":{"page":8,"quote":"Important Notice To Texas Policyholders PNSI 014 TX (07/16)","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},{"title":{"value":"Claim 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