{"id":"review-mt673x31","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 2026-08-23T19:23:55.792Z. 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":[],"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 (New York Territory)","where":"endorsement","source":"policy-language","citation":{"page":12,"quote":"Territory(ies): New York The following restriction of coverage is added to this policy, and supersedes anything else to the contrary: Notwithstanding anything elsewhere in this policy, this insurance does not apply to \"bodily injury\", \"property damage\", \" personal and advertising injury \" or any other liability, loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" , caused by, arising out of, resulting from, or in any way related to, directly or indirectly, in whole or in part... 7. The territory(ies) shown in the Schedule above.","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":"Workers' Compensation And Similar Laws 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":"Confidential or Personal Information Disclosure Exclusion 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","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":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":19,"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":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":100000000000,"formNumber":"CL-UN-075-12/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","source":"policy-language","citation":{"page":23,"quote":"Residential Construction Exclusion 1. 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":[],"reviewId":"review-mt673x31","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-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 PDF contains two distinct policies. Pages 1–24 are the declarations, forms schedule, coverage form, and endorsements for National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (Follow Form Excess Liability). Pages 25–30 are the declarations, schedule of underlying insurance, forms schedule, and coverage form for The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (Excess Liability), also issued to J.E. Dunn Construction Group, Inc. for the same policy period. The dominant document is classified as declarations for policy 42‐XSF‐310461‐01 per its opening pages. The second policy (ECO (27) 60 81 04 20) should be split and classified separately downstream. Pages 29–30 are significantly degraded (rendered as blocks of exclamation marks) and were read only for structural identification; content on those pages cannot be reliably extracted.","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-mt673x31-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":"2026-08-23T19:23:55.792Z","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":484,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":69783,"outputTokens":5831,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":27252,"outputTokens":2828,"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 PDF contains two distinct policies. Pages 1–24 are the declarations, forms schedule, coverage form, and endorsements for National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (Follow Form Excess Liability). Pages 25–30 are the declarations, schedule of underlying insurance, forms schedule, and coverage form for The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (Excess Liability), also issued to J.E. Dunn Construction Group, Inc. for the same policy period. The dominant document is classified as declarations for policy 42‐XSF‐310461‐01 per its opening pages. The second policy (ECO (27) 60 81 04 20) should be split and classified separately downstream. Pages 29–30 are significantly degraded (rendered as blocks of exclamation marks) and were read only for structural identification; content on those pages cannot be reliably extracted.","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":"Named Insured: 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":"1. LIMITS: The declarations page (page 1) states Per Occurrence $25,000,000, Aggregate Limit $25,000,000, and Products-Completed Operations Aggregate $25,000,000, but a manuscript Limits of Insurance Modification endorsement (pages 20-22) deletes those limits and replaces them with a tiered schedule: for projects with construction value $1M-$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 >$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 values only, which are superseded by the endorsement. Downstream systems should use the endorsement schedule.\n\n2. ATTACHMENT POINT: This is a follow-form excess policy. The 'retained limit' is defined as 'the total applicable limits of all underlying policies' (page 6). No single attachment point dollar figure is printed on the declarations page — it refers to the attached underlying schedule. The attachment point field above is therefore low-confidence and should not be used for tower calculations without review of the full underlying schedule and limits.\n\n3. DEFENSE INSIDE LIMITS: The policy states defense costs and expenses 'shall operate in an identical manner to the followed policy' (page 4). The underlying GL policies (Schedule of Underlying, page 7) state 'Defense Treatment: Outside the Limit.' This policy follows that treatment, supporting a 'no' reading, but the determination depends on the followed policy's language which is not fully provided here.\n\n4. DROPS DOWN: The policy expressly states it does not drop down for uncollectability risk retained by the insured (page 4). The Unimpaired Underlying Limits provision (page 6) further confirms that if underlying limits are impaired at inception, this policy treats them as unimpaired — i.e., it does not drop down to fill gaps.\n\n5. UNDERLYING SCHEDULE: The schedule lists four underlying policies. The two GL policies (TB2-641-445533-040 and TB2-641-445533-030) each have a $2,000,000 deductible printed in the schedule on page 7. These are deductibles on the underlying policies, not on this excess policy.\n\n6. FORM BASIS: The declarations page heading states 'THIS POLICY MAY CONTAIN OCCURRENCE, CLAIMS MADE, OR CLAIMS MADE AND REPORTED COVERAGES' (page 4). However, this is a follow-form excess and the underlying GL policies are occurrence-based. No claims-made language is applied here specifically.\n\n7. SECOND POLICY IN DOCUMENT: Pages 25-30 contain a separate policy, ECO (27) 60 81 04 20, issued by The Ohio Casualty Insurance Company (Liberty Mutual). That policy sits above the National Fire & Marine policy (which it lists as its underlying 'Lead Umbrella'). The Ohio Casualty policy has not been extracted here as it is a separate policy. Its Schedule of Underlying (page 27) lists Berkshire Hathaway Homestate Companies as the first underlying carrier with policy number 'TO BE FURNISHED.'","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. 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The territory(ies) shown in the Schedule above.","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":"Workers' Compensation And Similar Laws 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":"Confidential or Personal Information Disclosure Exclusion 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","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"FF-XS-026-02/2016","carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":19,"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":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":100000000000,"formNumber":"CL-UN-075-12/2016","carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","citation":{"page":23,"quote":"Residential Construction Exclusion 1. 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 - 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