{"id":"review-mt66yjg1","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","pagesSwept":21,"pagesTotal":51,"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 TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01; Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01; Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01; Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01. Decided 2026-08-23T19:34:18.517Z. The absence and this choice are part of the record."],"unsatisfied":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"expectations":[{"id":"expectation:42-xsf-310461-01:tb2-641-445533-040","what":"Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:tb2-641-445533-030","what":"Underlying policy TB2‐641‐445533‐030 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wa7-64d-445533-010","what":"Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wc7-641-445533-020","what":"Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":8,"quote":"Policy #WC7‐641‐445533‐020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies","what":"Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null}],"documentsRead":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},"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":"pass","message":"Defense costs are payable in addition to the limits, so legal spend does not reduce what is available to pay a 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":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","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":"Liberty Insurance Corporation","sources":{"limit":{"page":7,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-1","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2023-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WA7‐64D‐445533‐010","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":1000000,"carrier":"Liberty Insurance Corporation","sources":{"limit":{"page":8,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":8,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":8,"quote":"Policy #WC7‐641‐445533‐020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-2","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2021-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WC7‐641‐445533‐020","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":5000000,"carrier":"Liberty Mutual Fire Insurance Company","sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-0","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"TB2‐641‐445533‐040","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":25000000,"carrier":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","sources":{"limit":{"page":27,"quote":"$25,000,000 EACH OCCURRENCE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":27,"quote":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":27,"quote":"$25,000,000 AGGREGATE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-3","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":null,"scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":25000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"National Fire & Marine Insurance Company","sources":{"limit":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"attachmentPoint":{"page":27,"quote":"$25,000,000 EACH OCCURRENCE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"productsCompletedOpsAggregate":{"page":1,"quote":"C. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","effective":"2020-03-01","formBasis":"occurrence","deductible":null,"expiration":"2027-03-31","formNumbers":["FF‐XS‐DEC‐10/2014","CLP‐UN‐016‐07/2013","FFP‐XS‐001‐10/2014","FFP‐XS‐002‐11/2014","CL‐UN‐083‐01/2015","CL‐UN‐156‐01/2015","FFP‐XS‐013‐07/2014","FF‐XS‐026‐02/2016","CL‐UN‐185‐12/2015","CL‐UN‐075‐12/2016","MANUSCRIPT","MANUSCRIPT"],"namedInsured":"J.E. Dunn Construction Group, Inc.","policyNumber":"42-XSF-310461-01","scheduledOnly":false,"attachmentPoint":25000000,"exhaustionPoint":50000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":57000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names TB2‐641‐445533‐040, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-0"]},{"kind":"underlying-number-mismatch","amount":null,"detail":"The schedule on 42-XSF-310461-01 names TB2‐641‐445533‐030, and a policy numbered TB2‐641‐445533‐040 was provided. One reads as the other with an affix attached or a character misread in scanning, and they share the same carrier, the same each-occurrence limit, the same term. Confirm they are the same policy before the tower is relied on.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-0"],"providedNumber":"TB2‐641‐445533‐040","scheduledNumber":"TB2‐641‐445533‐030"},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WA7‐64D‐445533‐010, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WC7‐641‐445533‐020, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names a policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES at 25,000,000 each occurrence, with no policy number printed, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-3"]},{"kind":"attachment-gap","amount":24000000,"detail":"WA7‐64D‐445533‐010 exhausts at 1,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 24,000,000 band.","layerPolicyIds":["scheduled-1","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"attachment-gap","amount":24000000,"detail":"WC7‐641‐445533‐020 exhausts at 1,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 24,000,000 band.","layerPolicyIds":["scheduled-2","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"attachment-gap","amount":20000000,"detail":"TB2‐641‐445533‐040 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-0","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2023-03-01 on WA7‐64D‐445533‐010, 2020-03-01 to 2021-03-01 on WC7‐641‐445533‐020), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-1","scheduled-2"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2023-03-01 on WA7‐64D‐445533‐010, 2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-1","scheduled-0"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2023-03-01 on WA7‐64D‐445533‐010, 2020-03-01 to 2027-03-31 on another), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-1","scheduled-3"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2023-03-01 on WA7‐64D‐445533‐010, 2020-03-01 to 2027-03-31 on 42-XSF-310461-01), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-1","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]}],"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":1000000,"formNumber":"CL-UN-083-01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply - Territory New York","where":"endorsement","source":"policy-language","citation":{"page":12,"quote":"Territory(ies): New York","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"CL-UN-156-01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Workers' Compensation and Similar Laws Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FFP-XS-013-07/2014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","source":"policy-language","citation":{"page":14,"quote":"This policy does not apply to \" bodily injury \" , \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a . unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non ‐ public c o n f i d e n t i a l o r p e r s o n a l i n f o r m a t i o n i n t h e f o r m o f \" e l e c tronic data\"","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FF-XS-026-02/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","source":"policy-language","citation":{"page":23,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, directly or indirectly, any premises if all or part of those premises are or were at any time, whether before or after the effective dates of this policy, used, occupied, listed, marketed, rented or sold as a residential premises.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"Manuscript","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"no","underlyingScheduleCount":5,"formsWithNoRestrictionFound":10},"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":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"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":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"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":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"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.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Act of Terrorism Self-Insured Retention is capped at 1,000,000.","ruleVersion":"485c5e73f822"},{"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-mt66yjg1","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 21 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-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-classifier","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf, from the classifier: This document is a full policy packet containing multiple distinct components for a single policy number (42-XSF-310461-01) issued by National Fire & Marine Insurance Company (Berkshire Hathaway Specialty Insurance): a declarations page (pages 1-2), a forms schedule (page 3), the Follow Form Excess Liability Policy coverage form (pages 4-6), and numerous endorsements (pages 7-24). Beginning at page 25, the packet also contains a separate and distinct policy issued by The Ohio Casualty Insurance Company (Liberty Mutual Insurance) with policy number ECO (27) 60 81 04 20, for the same named insured J.E. Dunn Construction Group, Inc., including its own declarations (pages 25-26), schedule of underlying insurance (page 27), policy forms and endorsements list (page 28), and coverage form pages (pages 29-30). The document is classified as 'declarations' based on the dominant character of the opening pages, but it contains two separate policies. The second policy (ECO (27) 60 81 04 20) should be split and processed downstream. Confidence is medium due to the mixed-policy nature of the packet and the degraded/redacted appearance of pages 29-30 (text rendered as exclamation marks, indicating a scan or encoding issue).","packetComplete":false},{"id":"observation-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-truncated","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf: pages 1 to 30 were read in full, and all 50 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions; 1 schedule entry were found that the front pages did not carry. 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-mt66yjg1-gate","kind":"proceed-without-document","field":null,"citation":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"decidedAt":"2026-08-23T19:34:18.517Z","decidedBy":"[user.name]","rationale":"The reading is completed without the named policy. Every finding that depends on it is degraded and says so.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","systemValue":"Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01; Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01; Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01; Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01","decidedValue":"Proceed without it","policyNumber":null,"effectiveDate":null,"terminationDate":null}],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":62647,"outputTokens":553,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":69783,"outputTokens":5781,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":27252,"outputTokens":2538,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8010,"outputTokens":436,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","sha256":"b6cad50544fa1b8ba25ecced1f14101243e917e49c9894b8995c803f4c926e1c","filename":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"This document is a full policy packet containing multiple distinct components for a single policy number (42-XSF-310461-01) issued by National Fire & Marine Insurance Company (Berkshire Hathaway Specialty Insurance): a declarations page (pages 1-2), a forms schedule (page 3), the Follow Form Excess Liability Policy coverage form (pages 4-6), and numerous endorsements (pages 7-24). Beginning at page 25, the packet also contains a separate and distinct policy issued by The Ohio Casualty Insurance Company (Liberty Mutual Insurance) with policy number ECO (27) 60 81 04 20, for the same named insured J.E. Dunn Construction Group, Inc., including its own declarations (pages 25-26), schedule of underlying insurance (page 27), policy forms and endorsements list (page 28), and coverage form pages (pages 29-30). The document is classified as 'declarations' based on the dominant character of the opening pages, but it contains two separate policies. The second policy (ECO (27) 60 81 04 20) should be split and processed downstream. Confidence is medium due to the mixed-policy nature of the packet and the degraded/redacted appearance of pages 29-30 (text rendered as exclamation marks, indicating a scan or encoding issue).","carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"pageCount":51,"confidence":"medium","namedInsured":{"value":"J.E. Dunn Construction Group, Inc.","citation":{"page":1,"quote":"J.E. Dunn Construction Group, Inc.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"42-XSF-310461-01","citation":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}},"deepSweep":{"found":1,"pages":50,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","role":"excess","term":{"effective":{"value":"2020-03-01","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},"notes":"This document contains two separate policies. Pages 1-24 cover the National Fire & Marine Insurance Company Follow Form Excess Liability Policy No. 42-XSF-310461-01. Pages 25-30 cover a separate Ohio Casualty Insurance Company Excess Liability Policy No. ECO (27) 60 81 04 20; fields extracted here are for the National Fire & Marine policy only.\n\nLimits note: The Manuscript 'Limits of Insurance Modification' endorsement (pages 20-22) deletes and replaces the declarations page limits entirely. The endorsement sets project-tier-specific limits: for projects with construction value between $1M and $15M: $25,000,000 Per Occurrence; $50,000,000 General Aggregate (Per Project/Per Policy Year); $100,000,000 General Aggregate Maximum (Per Policy Year); $100,000,000 Products-Completed Operations Hazard Aggregate. For projects with construction value greater than $15M: $25,000,000 Per Occurrence; $50,000,000 General Aggregate (Per Project/Per Policy Year); $50,000,000 Products-Completed Operations Hazard Aggregate (Per Project). The limits fields above reflect the declarations page figures ($25,000,000) which are superseded by this endorsement; downstream processing should use the endorsement's tiered schedule.\n\nAttachment point: The schedule of underlying (page 7) lists two General Liability policies and two Employer's Liability policies as underlying. The attachment point is the total applicable limits of all underlying policies ('retained limit' as defined on page 6). No single attachment point dollar figure is printed on the declarations page; the value cannot be transcribed as a single number. The $25,000,000 figure shown in the attachmentPoint field is a placeholder citing the first GL policy occurrence limit only and should not be relied upon for tower purposes.\n\nDefense inside limits: The policy states defense costs and expenses 'shall operate in an identical manner to the followed policy.' The followed policy's defense treatment is listed in the underlying schedule as 'Outside the Limit' for all underlying policies. This reading of 'no' (outside limits) depends on that follow-form chain; confidence is medium.\n\nDrops down: The policy expressly states obligations only attach after the retained limit is exhausted by actual payment and that the risk of uncollectability is retained by the insured. The policy does not drop down in the event of an underlying insurer's insolvency or failure to pay.\n\nSelf-insured retention for terrorism: Endorsement CL-UN-083-01/2015 (page 9) imposes a separate $1,000,000 Act of Terrorism Self-Insured Retention, which is not captured in the main retention fields as no general SIR or deductible applies to the base policy.\n\nThe Ohio Casualty policy (pages 25-30) has its own schedule of underlying showing Berkshire Hathaway Homestate Companies as the lead umbrella with policy number 'TO BE FURNISHED' and limits of $25,000,000 each occurrence / $25,000,000 aggregate / $25,000,000 products-completed operations aggregate. That policy is not extracted here.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":1,"quote":"C. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"}},"carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"],"namedInsured":{"value":"J.E. Dunn Construction Group, Inc.","citation":{"page":1,"quote":"J.E. Dunn Construction Group, Inc.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"42-XSF-310461-01","citation":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":1000000,"formNumber":"CL-UN-083-01/2015","carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply - Territory New York","where":"endorsement","citation":{"page":12,"quote":"Territory(ies): New York","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"CL-UN-156-01/2015","carrierNoticedReduction":false},{"label":"Workers' Compensation and Similar Laws Exclusion","where":"endorsement","citation":{"page":13,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"FFP-XS-013-07/2014","carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","citation":{"page":14,"quote":"This policy does not apply to \" bodily injury \" , \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a . unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non ‐ public c o n f i d e n t i a l o r p e r s o n a l i n f o r m a t i o n i n t h e f o r m o f \" e l e c tronic data\"","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"FF-XS-026-02/2016","carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","citation":{"page":23,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, directly or indirectly, any premises if all or part of those premises are or were at any time, whether before or after the effective dates of this policy, used, occupied, listed, marketed, rented or sold as a residential premises.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"Manuscript","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Follow Form Excess Liability Common Policy Declarations","citation":{"page":3,"quote":"Follow Form Excess Liability Common Policy Declarations","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":3,"quote":"FF‐XS‐DEC‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FF‐XS‐DEC‐10/2014","citation":{"page":3,"quote":"FF‐XS‐DEC‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Forms Schedule","citation":{"page":3,"quote":"Forms Schedule","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CLP‐UN‐016‐07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Follow Form Excess Liability Policy","citation":{"page":3,"quote":"Follow Form Excess Liability Policy","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":3,"quote":"FFP‐XS‐001‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FFP‐XS‐001‐10/2014","citation":{"page":3,"quote":"FFP‐XS‐001‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Schedule of Underlying","citation":{"page":3,"quote":"Schedule of Underlying","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"11/2014","citation":{"page":3,"quote":"FFP‐XS‐002‐11/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FFP‐XS‐002‐11/2014","citation":{"page":3,"quote":"FFP‐XS‐002‐11/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Act of Terrorism Self‐Insured Retention Endorsement","citation":{"page":3,"quote":"Act of Terrorism Self‐Insured Retention Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"01/2015","citation":{"page":3,"quote":"CL‐UN‐083‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐083‐01/2015","citation":{"page":3,"quote":"CL‐UN‐083‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Limitation - Coverage Does Not Apply Per the Schedule of this Endorsement","citation":{"page":3,"quote":"Limitation ‐ Coverage Does Not Apply Per the Schedule of this Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"01/2015","citation":{"page":3,"quote":"CL‐UN‐156‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐156‐01/2015","citation":{"page":3,"quote":"CL‐UN‐156‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Workers' Compensation and Similar Laws Exclusion","citation":{"page":3,"quote":"Workers' Compensation and Similar Laws Exclusion","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"07/2014","citation":{"page":3,"quote":"FFP‐XS‐013‐07/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FFP‐XS‐013‐07/2014","citation":{"page":3,"quote":"FFP‐XS‐013‐07/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Confidential or Personal Information Disclosure Exclusion Endorsement","citation":{"page":3,"quote":"Confidential or Personal Information Disclosure Exclusion Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"02/2016","citation":{"page":3,"quote":"FF‐XS‐026‐02/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FF‐XS‐026‐02/2016","citation":{"page":3,"quote":"FF‐XS‐026‐02/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Composite Rate Endorsement","citation":{"page":3,"quote":"Composite Rate Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"12/2015","citation":{"page":3,"quote":"CL‐UN‐185‐12/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐185‐12/2015","citation":{"page":3,"quote":"CL‐UN‐185‐12/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Cap On Losses From Certified Acts of Terrorism (ISO Based)","citation":{"page":3,"quote":"Cap On Losses From Certified Acts of Terrorism (ISO Based)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"12/2016","citation":{"page":3,"quote":"CL‐UN‐075‐12/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐075‐12/2016","citation":{"page":3,"quote":"CL‐UN‐075‐12/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Limits Of Insurance Modification","citation":{"page":3,"quote":"Limits Of Insurance Modification","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":3,"quote":"Manuscript","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Residential Construction Exclusion","citation":{"page":3,"quote":"Residential Construction Exclusion","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":3,"quote":"Manuscript","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}],"attachmentPoint":{"value":25000000,"citation":{"page":7,"quote":"FOLLOWED POLICY:\n...General Liability\nUS ‐ United States\n(CV's +$15m)\nLiberty Mutual Fire Insurance Company\n03/01/2020 to 03/31/2027\nPolicy #TB2‐641‐445533‐040\n$5,000,000 Per Occurrence\n$10,000,000 General Aggregate Per Project/Per Policy Year\n$10,000,000 Products‐Completed Operations Aggregate Per Project","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"low"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"TB2‐641‐445533‐040","citation":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"TB2‐641‐445533‐030","citation":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per 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