{"id":"review-mt671ril","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 2026-08-23T19:22:15.559Z. 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":[],"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":"Carrier: LM Insurance Corp.\nPolicy No.: WA5-66D-067424-013","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":"Carrier: LM Insurance Corp.\nPolicy No.: TB5-661-067424-023","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":"Carrier: 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":"Carrier: 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":"Asbestos exclusion","where":"endorsement","source":"policy-language","citation":{"page":6,"quote":"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":"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","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 149","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":"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.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"SIXS-0341","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception and a Hostile Fire Exception","where":"endorsement","source":"policy-language","citation":{"page":27,"quote":"\"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":"Asbestos","where":"base-form","source":"policy-language","citation":{"page":23,"quote":"\"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","Nuclear","Pollution","Workers Compensation and Similar Laws"],"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":[],"reviewId":"review-mt671ril","decisions":[],"unanswered":[],"observations":[{"id":"observation-no-checks","evidence":[],"statement":"No check was configured for this review, so nothing was asked and nothing could be found. This is not a clean result; it is an unexamined one.","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: The document is a complete policy packet for a Commercial Excess Liability policy (policy number 1000588272231) issued by Starr Indemnity & Liability Company to City of Austin. The dominant document is the Excess Liability Declarations (pages 7-9, form XS-101-D TX 03/09), which names the insured, carrier, policy number, policy period (April 3, 2023 to April 3, 2029), and limits of insurance ($25,000,000 each occurrence, $25,000,000 other aggregate, $25,000,000 products-completed operations aggregate). The packet also includes policyholder notices (pages 1-5), an asbestos exclusion notice (page 6), a TRIA disclosure endorsement (pages 10-11), a schedule of underlying insurance (pages 12-13), the excess liability policy form (pages 14-23), and multiple endorsements (pages 24-30). Item 6 (Policy Premium) fields are blank on the declarations page. The document is typed as 'declarations' based on its dominant character as the policy packet led by the declarations page.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-citations","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: 117 of 118 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-mt671ril-gate","kind":"proceed-without-document","field":null,"citation":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"decidedAt":"2026-08-23T19:22:15.559Z","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":512,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":70091,"outputTokens":8629,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24068,"outputTokens":3652,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4166,"outputTokens":188,"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":"The document is a complete policy packet for a Commercial Excess Liability policy (policy number 1000588272231) issued by Starr Indemnity & Liability Company to City of Austin. The dominant document is the Excess Liability Declarations (pages 7-9, form XS-101-D TX 03/09), which names the insured, carrier, policy number, policy period (April 3, 2023 to April 3, 2029), and limits of insurance ($25,000,000 each occurrence, $25,000,000 other aggregate, $25,000,000 products-completed operations aggregate). The packet also includes policyholder notices (pages 1-5), an asbestos exclusion notice (page 6), a TRIA disclosure endorsement (pages 10-11), a schedule of underlying insurance (pages 12-13), the excess liability policy form (pages 14-23), and multiple endorsements (pages 24-30). Item 6 (Policy Premium) fields are blank on the declarations page. The document is typed as 'declarations' based on its dominant character as the policy packet led by the declarations page.","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 ITEM 3 states 'Coverage: Commercial Excess Liability'; role is excess. Form basis: The declarations page 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 conditional; no claims-made basis is affirmatively stated for this policy. The policy form XS 100 (10/08) uses occurrence-based language throughout; form basis is recorded as occurrence with medium confidence since the policy follows the underlying and the underlying basis is not confirmed in the provided pages. Attachment point: The schedule of underlying insurance lists multiple layers but does not print a single 'attachment point' figure. The attachment point is not explicitly stated as a single number in the declarations; it would be derived from totaling underlying limits, which this extraction does not compute. The attachment point field is populated with a note that this value is inferred rather than printed; confidence is low. The 'defenseInsideLimits' answer of 'yes' reflects that the definition of Ultimate Net Loss conditionally includes defense costs when they are inside the underlying's limits; endorsement XS 143 (Defense Condition Amendment) is listed on the schedule but was not provided in the packet, so its effect on this finding cannot be confirmed. The Employers Liability policy (WA5-66D-067424-013) expires 04/03/2026, shorter than the policy term of 04/03/2029; this is a potential maintenance-of-underlying-insurance issue downstream. No retention or deductible is printed on the declarations page for this excess policy. No per-project aggregate endorsement is identified in the forms schedule. Aggregate Limits Amended For Term Of Policy (XS 113) amends limits to apply for the full policy period (not annually), consistent with the six-year term.","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":"high","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":"Asbestos exclusion","where":"endorsement","citation":{"page":6,"quote":"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":"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","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 149","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":"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.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"SIXS-0341","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception and a Hostile Fire Exception","where":"endorsement","citation":{"page":27,"quote":"\"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":"Asbestos","where":"base-form","citation":{"page":21,"quote":"\"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","where":"base-form","citation":{"page":22,"quote":"\"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","where":"base-form","citation":{"page":22,"quote":"\"Ultimate Net Loss\": 1. a. With respect to which the Insured is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability-Property Insurance Assoc., Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or would be an Insured under any such policy but for its termination upon exhaustion of its limit of liability; or b. Resulting from the \"hazardous properties\" of \"Nuclear Material\" and with respect to which (1) any person or any organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (2) the Insured is, or had this Policy not been available would be, entitled to indemnity from the United States of America or any agency thereof, under any agreement entered into by the United States of America or any agency thereof, with any person or organization.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":23,"quote":"\"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","where":"base-form","citation":{"page":23,"quote":"\"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":"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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