{"id":"review-mt67qlsw","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2}],"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."],"unsatisfied":[],"expectations":[{"id":"expectation:xsu-3318842-03:cgl-7204518-03","what":"Underlying policy CGL 7204518-03 scheduled by XSU 3318842-03","basis":"cited","source":{"page":2,"quote":"Policy No. CGL 7204518-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"satisfiedByDocumentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"}],"documentsRead":["torvane-gl-declarations_standhope-mutual_CGL-7204518-03","torvane-umbrella_quarrywood-specialty_XSU-3318842-03","torvane-loss-run_standhope-mutual_CGL-7204518-03"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","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":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"pass","message":"No provision was found capping a coverage below the policy limit.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"pass","message":"Every page was searched and no restricting provision was found in the attached forms.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"pass","message":"Aggregate impairment is established from a loss run, so the tower reflects what is actually left.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"role":"primary","limit":1000000,"carrier":"STANDHOPE MUTUAL INSURANCE COMPANY","sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"carrier":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-03","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"productsCompletedOpsAggregate":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"}},"policyId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","effective":"2026-03-01","formBasis":"occurrence","deductible":null,"expiration":"2027-03-01","formNumbers":["SM GL 00 01","SM IL 00 17","SM GL 21 47","SM GL 21 96","SM GL 24 04","SM IL 09 85"],"namedInsured":"TORVANE COLD STORAGE, INC.","policyNumber":"CGL 7204518-03","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":{"amount":1240000,"figure":"total-incurred","asOfDate":"08/01/2026","citation":{"page":2,"quote":"Policy Totals Reserves: $655,000 Paid: $585,000 Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"joinDeterminedByPerson":false,"remainingGeneralAggregate":760000},"generalAggregate":2000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":2000000},{"role":"excess","limit":10000000,"carrier":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"carrier":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"attachmentPoint":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"selfInsuredRetention":{"page":1,"quote":"Self-Insured Retention (Any One Occurrence) $10,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"}},"policyId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","effective":"2026-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-01","formNumbers":[],"namedInsured":"TORVANE COLD STORAGE, INC.","policyNumber":"XSU 3318842-03","scheduledOnly":false,"attachmentPoint":1000000,"exhaustionPoint":11000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"per-occurrence","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":10000,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":11000000,"towerIssues":[],"restrictions":[],"aggregateImpairment":{"basis":"loss-run","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":1240000,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":1,"formsWithNoRestrictionFound":6},"findings":[],"reviewId":"review-mt67qlsw","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"}],"observations":[{"id":"observation-torvane-loss-run_standhope-mutual_CGL-7204518-03-erosion","evidence":[{"page":2,"quote":"Policy Totals Reserves: $655,000 Paid: $585,000 Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"}],"statement":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf, valued 08/01/2026, erodes the CGL 7204518-03 general aggregate by $1,240,000 of incurred losses: $760,000 of the printed $2,000,000 remains. Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"id":"observation-torvane-gl-declarations_standhope-mutual_CGL-7204518-03-classifier","evidence":[],"statement":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03.pdf, from the classifier: Page 1 is the Commercial General Liability Declarations page. Page 2 is a Forms and Endorsements Schedule, which is part of the same declarations packet for policy CGL 7204518-03. The document footer on both pages states it is a specimen prepared for demonstration and that all companies, policies, and claims shown are fictitious.","packetComplete":false},{"id":"observation-torvane-umbrella_quarrywood-specialty_XSU-3318842-03-classifier","evidence":[],"statement":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03.pdf, from the classifier: Page 1 is the Commercial Umbrella Liability Declarations page. Page 2 is the Schedule of Underlying Insurance, which lists one underlying policy: Commercial General Liability with STANDHOPE MUTUAL INSURANCE COMPANY, Policy No. CGL 7204518-03. The document footer on both pages reads 'SPECIMEN DOCUMENT PREPARED FOR COVERAGECHECK PRODUCT DEMONSTRATION. EVERY COMPANY, POLICY, AND CLAIM SHOWN IS FICTITIOUS.' This is noted as content of the document and does not affect classification.","packetComplete":false},{"id":"observation-torvane-loss-run_standhope-mutual_CGL-7204518-03-classifier","evidence":[],"statement":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf, from the classifier: Two-page loss run covering policy term 03/01/2026–03/01/2027. Four claims listed, all GL Premises/Operations, all located in Utica, NY. The document bears a specimen/fictitious disclaimer on both pages: 'SPECIMEN DOCUMENT PREPARED FOR COVERAGECHECK PRODUCT DEMONSTRATION. EVERY COMPANY, POLICY, AND CLAIM SHOWN IS FICTITIOUS.' This is noted as content found in the document; it does not alter the classification.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5021,"outputTokens":332,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12157,"outputTokens":2208,"cacheReadTokens":0,"cacheWriteTokens":1961},{"model":"claude-haiku-4-5","inputTokens":4576,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","sha256":"acf2298a3d8c6856d6799e7ca22e585db47d3599268cc2e1cb0b2b9c92aa3523","filename":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Page 1 is the Commercial General Liability Declarations page. Page 2 is a Forms and Endorsements Schedule, which is part of the same declarations packet for policy CGL 7204518-03. 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No retention or deductible is printed on the declarations page. No schedule of underlying insurance is present, consistent with a primary policy. No per-project aggregate endorsement appears in the forms schedule. The drops-down-on-underlying-exhaustion field is not applicable to a primary policy and is returned as unknown because the concept does not apply and is not addressed in the provided pages. The policy form SM GL 00 01 04 13 and other endorsement forms are listed but not provided; exclusions and other policy provisions are not readable from these declarations pages alone.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"generalAggregate":{"value":2000000,"citation":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":1,"quote":"Personal and Advertising Injury Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":2000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},"carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["torvane-gl-declarations_standhope-mutual_CGL-7204518-03"],"namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-03","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"restrictions":[],"formsSchedule":[{"title":{"value":"Commercial General Liability Coverage Form","citation":{"page":2,"quote":"Commercial General Liability Coverage Form","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"04 13","citation":{"page":2,"quote":"SM GL 00 01 04 13 Commercial General Liability Coverage Form","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 00 01","citation":{"page":2,"quote":"SM GL 00 01","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Common Policy Conditions","citation":{"page":2,"quote":"Common Policy Conditions","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"11 98","citation":{"page":2,"quote":"SM IL 00 17 11 98 Common Policy Conditions","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM IL 00 17","citation":{"page":2,"quote":"SM IL 00 17","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Employment-Related Practices Exclusion","citation":{"page":2,"quote":"Employment-Related Practices Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"12 07","citation":{"page":2,"quote":"SM GL 21 47 12 07 Employment-Related Practices Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 21 47","citation":{"page":2,"quote":"SM GL 21 47","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Silica or Silica-Related Dust Exclusion","citation":{"page":2,"quote":"Silica or Silica-Related Dust Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"03 05","citation":{"page":2,"quote":"SM GL 21 96 03 05 Silica or Silica-Related Dust Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 21 96","citation":{"page":2,"quote":"SM GL 21 96","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Waiver of Transfer of Rights of Recovery Against Others to Us","citation":{"page":2,"quote":"Waiver of Transfer of Rights of Recovery Against Others to Us","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"05 09","citation":{"page":2,"quote":"SM GL 24 04 05 09 Waiver of Transfer of Rights of Recovery Against Others to Us","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 24 04","citation":{"page":2,"quote":"SM GL 24 04","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Disclosure Pursuant to Terrorism Risk Insurance Act","citation":{"page":2,"quote":"Disclosure Pursuant to Terrorism Risk Insurance Act","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"01 15","citation":{"page":2,"quote":"SM IL 09 85 01 15 Disclosure Pursuant to Terrorism Risk Insurance Act","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM IL 09 85","citation":{"page":2,"quote":"SM IL 09 85","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}}],"attachmentPoint":null,"retroactiveDate":null,"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":28,"failures":[],"notFound":0,"verified":28,"verifiedExact":28,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4890,"outputTokens":415,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12026,"outputTokens":1564,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4447,"outputTokens":439,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","sha256":"700b28df53427a11c748520188dd6dc00a6903d99c1dfebcaa787ef66f1814ff","filename":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"umbrella","type":"declarations","notes":"Page 1 is the Commercial Umbrella Liability Declarations page. Page 2 is the Schedule of Underlying Insurance, which lists one underlying policy: Commercial General Liability with STANDHOPE MUTUAL INSURANCE COMPANY, Policy No. CGL 7204518-03. The document footer on both pages reads 'SPECIMEN DOCUMENT PREPARED FOR COVERAGECHECK PRODUCT DEMONSTRATION. EVERY COMPANY, POLICY, AND CLAIM SHOWN IS FICTITIOUS.' This is noted as content of the document and does not affect classification.","carrier":{"value":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY\n80 Pine Meadow Boulevard, Hartford, CT 06103","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.\n41 COMMERCE PARK DRIVE\nUTICA, NY 13502","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-03","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","role":"excess","term":{"effective":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"expiration":{"value":"2027-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}},"notes":"Role: The declarations page is titled 'COMMERCIAL UMBRELLA LIABILITY DECLARATIONS' but the policy language on page 2 states 'The insurance afforded by this policy applies in excess of the underlying insurance scheduled above,' which is follow-form excess language rather than true umbrella language. Role is recorded as 'excess' based on the operative language; however, the title says 'umbrella.' Downstream review advised.\n\nAttachment point: Not stated as a single explicit figure. The attachment point is inferred from the underlying schedule, which shows $1,000,000 Each Occurrence for the single underlying policy. Confidence is medium because the attachment point is not printed as a standalone figure on the declarations page.\n\nProducts-completed operations aggregate for the underlying CGL ($2,000,000) is noted in the schedule but the underlyingSchedule schema does not carry a productsCompletedOpsAggregate field; the value is preserved in the quote within the generalAggregate citation context for reference: '$2,000,000 Products-Completed Operations Aggregate.'\n\nForm basis: Not stated on the provided pages. The policy form itself was not provided.\n\nDefense inside limits and drops-down on exhaustion: Neither the declarations page nor the schedule of underlying insurance addresses these mechanics. The full policy form was not provided. Both fields are 'unknown.'\n\nForms schedule: No schedule of forms was found on the two pages provided. This does not mean the policy carries no endorsements.\n\nRetroactive date: Not applicable; form basis is unknown and no claims-made language appears on the provided pages.","limits":{"eachOccurrence":{"value":10000000,"citation":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"per-occurrence","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"Self-Insured Retention (Any One Occurrence) $10,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}},"confidence":"medium","documentIds":["torvane-umbrella_quarrywood-specialty_XSU-3318842-03"],"namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-03","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"medium"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":2,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"effective":{"value":"2026-03-01","citation":{"page":2,"quote":"03/01/2026 to 03/01/2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"expiration":{"value":"2027-03-01","citation":{"page":2,"quote":"03/01/2026 to 03/01/2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":2,"quote":"Policy No. CGL 7204518-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"generalAggregate":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 General Aggregate","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":15,"failures":[],"notFound":0,"verified":15,"verifiedExact":15,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5237,"outputTokens":390,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":7920,"outputTokens":1106,"cacheReadTokens":0,"cacheWriteTokens":1191}],"reRead":false,"lossRun":{"id":"torvane-loss-run_standhope-mutual_CGL-7204518-03","notes":"The summary table on page 1 prints two columns relevant to paid figures: 'Loss & Expense Reserves' ($655,000) and 'Losses & Expenses Paid' ($585,000). The schema fields paidLoss and paidExpense are not separately printed in the summary table; the report combines them into a single 'Losses & Expenses Paid' figure. Accordingly, paidLoss and paidExpense are omitted from the period record as the report does not print them at the period-summary level. The detail on page 2 does break out 'Losses Paid' and 'Expenses Paid' per individual claim but does not print a period-level subtotal for each component separately; only the combined 'Paid: $585,000' appears in the Policy Totals row. The outstandingReserves figure of $655,000 corresponds to the column labeled 'Loss & Expense Reserves' in the summary. The grand total 'Paid: $585,000' is used for grandTotalPaid, corresponding to 'Losses & Expenses Paid' as labeled on page 1. The document is a specimen/fictitious demonstration document as noted in its footer.","carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"periods":[{"paidLoss":null,"effective":{"value":"03/01/2026","citation":{"page":1,"quote":"CGL 7204518-03 03/01/2026 - 03/01/2027GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"claimCount":4,"expiration":{"value":"03/01/2027","citation":{"page":1,"quote":"CGL 7204518-03 03/01/2026 - 03/01/2027GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"paidExpense":null,"totalIncurred":{"value":1240000,"citation":{"page":1,"quote":"$1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"outstandingReserves":{"value":655000,"citation":{"page":1,"quote":"$655,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"}}],"asOfDate":{"value":"08/01/2026","citation":{"page":1,"quote":"Current As of Date: 08/01/2026","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"confidence":"high","documentIds":["torvane-loss-run_standhope-mutual_CGL-7204518-03"],"insuredName":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"Insured Name: TORVANE COLD STORAGE, INC.","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":1,"quote":"CGL 7204518-03 03/01/2026 - 03/01/2027GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"grandTotalPaid":{"value":585000,"citation":{"page":2,"quote":"Policy Totals Reserves: $655,000 Paid: $585,000 Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"grandTotalIncurred":{"value":1240000,"citation":{"page":2,"quote":"Policy Totals Reserves: $655,000 Paid: $585,000 Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},"document":{"id":"torvane-loss-run_standhope-mutual_CGL-7204518-03","sha256":"f2f0d03c08cf33440d82eab3a8efe035a572a8cbaac7d351c662ef7c7043d361","filename":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"loss-run","notes":"Two-page loss run covering policy term 03/01/2026–03/01/2027. Four claims listed, all GL Premises/Operations, all located in Utica, NY. The document bears a specimen/fictitious disclaimer on both pages: 'SPECIMEN DOCUMENT PREPARED FOR COVERAGECHECK PRODUCT DEMONSTRATION. EVERY COMPANY, POLICY, AND CLAIM SHOWN IS FICTITIOUS.' This is noted as content found in the document; it does not alter the classification.","carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"Insured Name: TORVANE COLD STORAGE, INC.","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":1,"quote":"CGL 7204518-03 03/01/2026 - 03/01/2027GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"}}},"deepSweep":null,"extraction":null,"needsHuman":null,"citationAudit":{"total":10,"failures":[],"notFound":0,"verified":10,"verifiedExact":10,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]}],"totalUsage":{"inputTokens":56274,"outputTokens":6481,"cacheReadTokens":1961,"cacheWriteTokens":6737},"instructionVersions":{"reasoning/posture.md":"93456a16a26b","extraction/classify-document.md":"1cce3142702d","extraction/loss-run-extraction.md":"6e7c57637027","extraction/declarations-extraction.md":"9a4f10537fc9"}},"client":"Torvane Cold Storage, Inc. 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