{"id":"review-mt692nwo","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-mt692nwo","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: Document is a two-page packet consisting of a Commercial General Liability Declarations page (page 1) and a Forms and Endorsements Schedule (page 2), both for policy CGL 7204518-03. The dominant character is the declarations page; the schedule-of-forms is embedded as page 2. Classified as declarations. The footer on both pages identifies this as a specimen/fictitious document prepared for demonstration purposes.","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: Two-page document: page 1 is the Commercial Umbrella Liability Declarations; page 2 is the Schedule of Underlying Insurance, which lists one underlying policy (Commercial General Liability, Standhope Mutual Insurance Company, Policy No. CGL 7204518-03, 03/01/2026 to 03/01/2027). The Schedule of Underlying Insurance is part of this declarations packet, not a separate document. Document is marked as a specimen/fictitious demonstration document.","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 for a single policy period (03/01/2026–03/01/2027). Page 1 is the summary; page 2 is the claim detail. All four claims are GL Premises/Operations type arising in Utica, NY. Document bears a specimen/fictitious disclaimer on both pages.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5021,"outputTokens":350,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12157,"outputTokens":2110,"cacheReadTokens":1961,"cacheWriteTokens":0},{"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":"Document is a two-page packet consisting of a Commercial General Liability Declarations page (page 1) and a Forms and Endorsements Schedule (page 2), both for policy CGL 7204518-03. The dominant character is the declarations page; the schedule-of-forms is embedded as page 2. Classified as declarations. 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No attachment point, schedule of underlying insurance, deductible, or self-insured retention is printed on the provided pages. No per-project aggregate endorsement appears in the forms schedule. The drops-down field is not applicable to a primary policy and is returned as unknown because the document does not address it. The policy number in the forms schedule header on page 2 matches page 1.","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 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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","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 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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","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 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document: page 1 is the Commercial Umbrella Liability Declarations; page 2 is the Schedule of Underlying Insurance, which lists one underlying policy (Commercial General Liability, Standhope Mutual Insurance Company, Policy No. CGL 7204518-03, 03/01/2026 to 03/01/2027). The Schedule of Underlying Insurance is part of this declarations packet, not a separate document. Document is marked as a specimen/fictitious demonstration document.","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 title reads 'COMMERCIAL UMBRELLA LIABILITY DECLARATIONS' and the policy description states it 'provides coverage following the form of the underlying insurance' and 'applies in excess of that underlying insurance.' The follow-form and excess-of language is characteristic of a follow-form excess policy; however, the title says 'umbrella.' Role is recorded as 'excess' given the operative language, but the ambiguity is noted. Attachment point: The policy does not print an explicit attachment point dollar figure; the value of $1,000,000 is taken from the Each Occurrence limit of the sole underlying policy in the schedule, which represents the amount that must be exhausted before this policy responds. Confidence is medium because this is the underlying limit rather than a separately printed attachment point. Form basis: The declarations pages provided do not state whether the policy is occurrence or claims-made. No schedule of forms was found in the pages provided; the forms schedule is therefore empty, not indicating no endorsements exist. Defense inside limits and drops-down on exhaustion cannot be determined from the declarations pages alone; the policy form was not provided. Products-Completed Operations Aggregate of $2,000,000 appears in the underlying schedule for the CGL policy but is not a limit of this umbrella policy itself, so it is not extracted into this policy's limits. 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