{"id":"review-mt692phi","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"meridian-first-excess_calder-shore-specialty_XS-118430","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902","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:xs-118430:gl-4471902","what":"Underlying policy GL 4471902 scheduled by XS 118430","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:txs-660214:xs-118430","what":"Underlying policy XS 118430 scheduled by TXS 660214","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:txs-660214:gl-4471902","what":"Underlying policy GL 4471902 scheduled by TXS 660214","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:hn-xs-30755:txs-660214","what":"Underlying policy TXS 660214 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},{"id":"expectation:hn-xs-30755:xs-118430","what":"Underlying policy XS 118430 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:hn-xs-30755:gl-4471902","what":"Underlying policy GL 4471902 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:pf-xl-90218:hn-xs-30755","what":"Underlying policy HN-XS-30755 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. HN-XS-30755","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},{"id":"expectation:pf-xl-90218:txs-660214","what":"Underlying policy TXS 660214 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},{"id":"expectation:pf-xl-90218:xs-118430","what":"Underlying policy XS 118430 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:pf-xl-90218:gl-4471902","what":"Underlying policy GL 4471902 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"}],"documentsRead":["meridian-gl-declarations_stonemarch-casualty_GL-4471902","meridian-first-excess_calder-shore-specialty_XS-118430","meridian-second-excess_thornwick-indemnity_TXS-660214","meridian-third-excess_havenbrook-national_HN-XS-30755","meridian-fourth-excess_pallenford-re_PF-XL-90218","meridian-loss-run_stonemarch-casualty_GL-4471902"]},"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":"cannot-determine","message":"No forms schedule was read on these policies, so there is nothing to check.","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":2000000,"carrier":"STONEMARCH CASUALTY INSURANCE COMPANY","sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"carrier":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: GL 4471902","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"productsCompletedOpsAggregate":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"}},"policyId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","effective":"2026-04-01","formBasis":"occurrence","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"GL 4471902","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":{"amount":1454000,"figure":"total-incurred","asOfDate":"09/01/2026","citation":{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"joinDeterminedByPerson":false,"remainingGeneralAggregate":2546000},"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":2000000,"productsCompletedOpsAggregate":4000000},{"role":"excess","limit":10000000,"carrier":"CALDER SHORE SPECIALTY INSURANCE COMPANY","sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"carrier":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: XS 118430","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"attachmentPoint":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"}},"policyId":"meridian-first-excess_calder-shore-specialty_XS-118430","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"XS 118430","scheduledOnly":false,"attachmentPoint":2000000,"exhaustionPoint":12000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"THORNWICK INDEMNITY COMPANY","sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"carrier":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: TXS 660214","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"attachmentPoint":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"}},"policyId":"meridian-second-excess_thornwick-indemnity_TXS-660214","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"TXS 660214","scheduledOnly":false,"attachmentPoint":12000000,"exhaustionPoint":37000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"HAVENBROOK NATIONAL INSURANCE COMPANY","sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"carrier":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: HN-XS-30755","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"attachmentPoint":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"}},"policyId":"meridian-third-excess_havenbrook-national_HN-XS-30755","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"HN-XS-30755","scheduledOnly":false,"attachmentPoint":37000000,"exhaustionPoint":62000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":40000000,"carrier":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"carrier":{"page":1,"quote":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PF-XL-90218","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"attachmentPoint":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"}},"policyId":"meridian-fourth-excess_pallenford-re_PF-XL-90218","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"PF-XL-90218","scheduledOnly":false,"attachmentPoint":62000000,"exhaustionPoint":102000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":40000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":102000000,"towerIssues":[{"kind":"attachment-disagreement","amount":2000000,"detail":"This policy states an attachment point of 12,000,000, and its own schedule of underlying insurance names underlying limits topping out at 10,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","layerPolicyIds":["meridian-second-excess_thornwick-indemnity_TXS-660214"]},{"kind":"attachment-disagreement","amount":12000000,"detail":"This policy states an attachment point of 37,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","layerPolicyIds":["meridian-third-excess_havenbrook-national_HN-XS-30755"]},{"kind":"attachment-disagreement","amount":37000000,"detail":"This policy states an attachment point of 62,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","layerPolicyIds":["meridian-fourth-excess_pallenford-re_PF-XL-90218"]},{"kind":"attachment-chained","amount":2000000,"detail":"TXS 660214 is placed at 12,000,000, where XS 118430 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 10,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["meridian-first-excess_calder-shore-specialty_XS-118430","meridian-second-excess_thornwick-indemnity_TXS-660214"]},{"kind":"attachment-chained","amount":12000000,"detail":"HN-XS-30755 is placed at 37,000,000, where TXS 660214 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["meridian-second-excess_thornwick-indemnity_TXS-660214","meridian-third-excess_havenbrook-national_HN-XS-30755"]},{"kind":"attachment-chained","amount":37000000,"detail":"PF-XL-90218 is placed at 62,000,000, where HN-XS-30755 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","layerPolicyIds":["meridian-third-excess_havenbrook-national_HN-XS-30755","meridian-fourth-excess_pallenford-re_PF-XL-90218"]}],"restrictions":[],"aggregateImpairment":{"basis":"loss-run","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":1454000,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":10,"formsWithNoRestrictionFound":0},"findings":[],"reviewId":"review-mt692phi","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"},{"reason":"No forms schedule was read on these policies, so there is nothing to check.","questionId":"global.endorsements-restrict"}],"observations":[{"id":"observation-meridian-loss-run_stonemarch-casualty_GL-4471902-erosion","evidence":[{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"}],"statement":"meridian-loss-run_stonemarch-casualty_GL-4471902.pdf, valued 09/01/2026, erodes the GL 4471902 general aggregate by $1,454,000 of incurred losses: $2,546,000 of the printed $4,000,000 remains. Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"id":"observation-tower-attachment-disagreement-0","evidence":[],"statement":"This policy states an attachment point of 12,000,000, and its own schedule of underlying insurance names underlying limits topping out at 10,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","packetComplete":true},{"id":"observation-tower-attachment-disagreement-1","evidence":[],"statement":"This policy states an attachment point of 37,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","packetComplete":true},{"id":"observation-tower-attachment-disagreement-2","evidence":[],"statement":"This policy states an attachment point of 62,000,000, and its own schedule of underlying insurance names underlying limits topping out at 25,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","packetComplete":true},{"id":"observation-tower-attachment-chained-3","evidence":[],"statement":"TXS 660214 is placed at 12,000,000, where XS 118430 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 10,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-tower-attachment-chained-4","evidence":[],"statement":"HN-XS-30755 is placed at 37,000,000, where TXS 660214 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-tower-attachment-chained-5","evidence":[],"statement":"PF-XL-90218 is placed at 62,000,000, where HN-XS-30755 exhausts. Its schedule of underlying insurance names that policy and prints underlying limits topping out at 25,000,000, but a schedule prints the limit of the policy it names, not that policy's position. The printed figure stays on the record, and the tower is built on the resolved position.","packetComplete":true},{"id":"observation-meridian-gl-declarations_stonemarch-casualty_GL-4471902-classifier","evidence":[],"statement":"meridian-gl-declarations_stonemarch-casualty_GL-4471902.pdf, from the classifier: Single-page commercial general liability declarations. The footer states this is a specimen document prepared for demonstration purposes and that every company, policy, and claim shown is fictitious. The renewal policy number GL 4471901 also appears on the page.","packetComplete":false},{"id":"observation-meridian-first-excess_calder-shore-specialty_XS-118430-classifier","evidence":[],"statement":"meridian-first-excess_calder-shore-specialty_XS-118430.pdf, from the classifier: Two-page document: page 1 is the First Excess Liability Declarations; page 2 is the Schedule of Underlying Insurance, which lists underlying carrier Stonemarch Casualty Insurance Company, policy GL 4471902, 04/01/2026 to 04/01/2027. Both pages carry the same policy number XS 118430. Document is marked as a specimen/fictitious demonstration document.","packetComplete":false},{"id":"observation-meridian-second-excess_thornwick-indemnity_TXS-660214-classifier","evidence":[],"statement":"meridian-second-excess_thornwick-indemnity_TXS-660214.pdf, from the classifier: Two-page document: page 1 is the Second Excess Liability Declarations and page 2 is the Schedule of Underlying Insurance, both under policy TXS 660214. The schedule of underlying insurance lists two underlying policies: Calder Shore Specialty Insurance Company Policy No. XS 118430 and Stonemarch Casualty Insurance Company Policy No. GL 4471902. The document bears a specimen/fictitious disclaimer on both pages.","packetComplete":false},{"id":"observation-meridian-third-excess_havenbrook-national_HN-XS-30755-classifier","evidence":[],"statement":"meridian-third-excess_havenbrook-national_HN-XS-30755.pdf, from the classifier: Two-page document: page 1 is the Third Excess Liability Declarations with limits and attachment point; page 2 is the Schedule of Underlying Insurance listing three underlying carriers (THORNWICK INDEMNITY COMPANY policy TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY policy XS 118430, and STONEMARCH CASUALTY INSURANCE COMPANY policy GL 4471902). The document is marked as a specimen prepared for demonstration purposes; all companies, policies, and claims are stated to be fictitious.","packetComplete":false},{"id":"observation-meridian-fourth-excess_pallenford-re_PF-XL-90218-classifier","evidence":[],"statement":"meridian-fourth-excess_pallenford-re_PF-XL-90218.pdf, from the classifier: Two-page document: page 1 is the Fourth Excess Liability Declarations; page 2 is the Schedule of Underlying Insurance listing four underlying carriers (HAVENBROOK NATIONAL INSURANCE COMPANY / HN-XS-30755, THORNWICK INDEMNITY COMPANY / TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY / XS 118430, STONEMARCH CASUALTY INSURANCE COMPANY / GL 4471902), all for the same policy period 04/01/2026 to 04/01/2027. The document bears a specimen/fictitious disclaimer. Page 2 also functions as a schedule-of-forms analog for underlying policies, but the dominant character of the full document is a declarations page.","packetComplete":false},{"id":"observation-meridian-loss-run_stonemarch-casualty_GL-4471902-classifier","evidence":[],"statement":"meridian-loss-run_stonemarch-casualty_GL-4471902.pdf, from the classifier: Document is a two-page Business Loss Run current as of 09/01/2026, covering one policy year (04/01/2026–04/01/2027) with four GL Premises/Operations claims. All values are as printed. The document bears a specimen/fictitious disclaimer on both pages.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":3106,"outputTokens":302,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":10242,"outputTokens":984,"cacheReadTokens":0,"cacheWriteTokens":1961},{"model":"claude-haiku-4-5","inputTokens":4220,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","sha256":"8568b667459e1061e1d8a470e190197674d96caa827a6c44a2cb98c625f05f29","filename":"meridian-gl-declarations_stonemarch-casualty_GL-4471902.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Single-page commercial general liability declarations. The footer states this is a specimen document prepared for demonstration purposes and that every company, policy, and claim shown is fictitious. The renewal policy number GL 4471901 also appears on the page.","carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"pageCount":1,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"POLICY NUMBER: GL 4471902","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":1,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","role":"primary","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"}},"notes":"This is a primary CGL declarations page. No schedule of underlying insurance is present, consistent with a primary policy. No schedule of forms was found on the single page provided; endorsements may be attached but were not included in the pages given. No deductible or self-insured retention is printed. No per-project aggregate endorsement is referenced. The document is marked as a specimen prepared for demonstration purposes; all entities are stated to be fictitious. Confidence is medium rather than high because only one page was provided (labeled Page 1 of 1) and no forms schedule or policy language pages were included, so erosion mechanics and coverage terms beyond what is printed on the declarations page cannot be confirmed from policy language.","limits":{"eachOccurrence":{"value":2000000,"citation":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":2000000,"citation":{"page":1,"quote":"Personal and Advertising Injury Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":4000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"}},"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-gl-declarations_stonemarch-casualty_GL-4471902"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"POLICY NUMBER: GL 4471902","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":null,"retroactiveDate":null,"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":10,"failures":[],"notFound":0,"verified":10,"verifiedExact":10,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4811,"outputTokens":385,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":11947,"outputTokens":1375,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4370,"outputTokens":435,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-first-excess_calder-shore-specialty_XS-118430","sha256":"c3887ccebf8f5922deb4a4394a0515b0e28e8493387cc6ab221aacb2beee8a53","filename":"meridian-first-excess_calder-shore-specialty_XS-118430.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the First Excess Liability Declarations; page 2 is the Schedule of Underlying Insurance, which lists underlying carrier Stonemarch Casualty Insurance Company, policy GL 4471902, 04/01/2026 to 04/01/2027. Both pages carry the same policy number XS 118430. Document is marked as a specimen/fictitious demonstration document.","carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY\n88 Federal Wharf, Boston, MA 02110","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":1,"quote":"POLICY NUMBER: XS 118430","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-first-excess_calder-shore-specialty_XS-118430","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"}},"notes":"The declarations page is titled 'FIRST EXCESS LIABILITY DECLARATIONS' and states 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form.' Role is therefore excess. The form basis (occurrence vs. claims-made) is not stated on the two pages provided. No schedule of forms appears on either page; the policy form itself was not provided, so defense-inside-limits and drops-down-on-exhaustion cannot be read from the document. The underlying schedule on page 2 lists a Products-Completed Operations Aggregate of $4,000,000 ($4,000,000 Products-Completed Operations Aggregate) which is transcribed in notes only as the underlyingSchedule schema does not include a productsCompletedOpsAggregate field for underlying entries. No retention (deductible or SIR) is printed on either page. No per-project aggregate, personal/advertising injury limit, or retroactive date is printed. The specimen watermark is noted but treated as content, not instruction.","limits":{"eachOccurrence":{"value":10000000,"citation":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-first-excess_calder-shore-specialty_XS-118430"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":1,"quote":"POLICY NUMBER: XS 118430","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":2000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":14,"failures":[],"notFound":0,"verified":14,"verifiedExact":14,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4854,"outputTokens":391,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":11990,"outputTokens":1916,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4413,"outputTokens":839,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-second-excess_thornwick-indemnity_TXS-660214","sha256":"3b7b67289a0d59627e1d9333105b995419ae4a760e3d3430f43e067ca05b8aef","filename":"meridian-second-excess_thornwick-indemnity_TXS-660214.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the Second Excess Liability Declarations and page 2 is the Schedule of Underlying Insurance, both under policy TXS 660214. The schedule of underlying insurance lists two underlying policies: Calder Shore Specialty Insurance Company Policy No. XS 118430 and Stonemarch Casualty Insurance Company Policy No. GL 4471902. The document bears a specimen/fictitious disclaimer on both pages.","carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY\n2100 Lakeshore Center, Chicago, IL 60601","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":1,"quote":"POLICY NUMBER: TXS 660214","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-second-excess_thornwick-indemnity_TXS-660214","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}},"notes":"1. The declarations page is titled 'SECOND EXCESS LIABILITY DECLARATIONS' and the policy states it 'applies in excess of the underlying insurance scheduled on page 2, and follows its form,' confirming an excess follow-form role. Role is recorded as 'excess'.\n2. Form basis (occurrence vs. claims-made) is not stated on the pages provided. Returned as 'unknown'.\n3. No schedule of forms was found on either page provided. formsSchedule is an empty list; the policy may carry endorsements not listed here.\n4. Defense inside limits is not addressed on the pages provided; the policy follows the form of underlying insurance whose terms were not provided. Returned as 'unknown'.\n5. Drops-down on underlying exhaustion is not addressed on the pages provided. Returned as 'unknown'.\n6. No deductible or self-insured retention is printed on these pages.\n7. The Aggregate Limit of $25,000,000 is labeled simply 'Aggregate Limit' on page 1, not further subdivided into general aggregate or products/completed ops aggregate. It is recorded in generalAggregate as printed; productsCompletedOpsAggregate is omitted as not printed.\n8. The underlying schedule shows Calder Shore with a $10,000,000 Aggregate (not labeled 'General Aggregate') and Stonemarch with a $4,000,000 General Aggregate; both transcribed as printed.\n9. This is a specimen document for demonstration purposes; all entities are fictitious per footer notation.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-second-excess_thornwick-indemnity_TXS-660214"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":1,"quote":"POLICY NUMBER: TXS 660214","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":12000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $12,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"eachOccurrence":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}},{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":20,"failures":[],"notFound":0,"verified":20,"verifiedExact":20,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4913,"outputTokens":374,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12049,"outputTokens":2160,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4469,"outputTokens":1241,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-third-excess_havenbrook-national_HN-XS-30755","sha256":"661c658ad0e28cfc3ce67da750826f0598bf305af96a3a0c339ee71f995a0713","filename":"meridian-third-excess_havenbrook-national_HN-XS-30755.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the Third Excess Liability Declarations with limits and attachment point; page 2 is the Schedule of Underlying Insurance listing three underlying carriers (THORNWICK INDEMNITY COMPANY policy TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY policy XS 118430, and STONEMARCH CASUALTY INSURANCE COMPANY policy GL 4471902). The document is marked as a specimen prepared for demonstration purposes; all companies, policies, and claims are stated to be fictitious.","carrier":{"value":"HAVENBROOK NATIONAL INSURANCE COMPANY","citation":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"HN-XS-30755","citation":{"page":1,"quote":"POLICY NUMBER: HN-XS-30755","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-third-excess_havenbrook-national_HN-XS-30755","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}},"notes":"No schedule of forms was found in the two pages provided. The declarations page references page 2 for the underlying schedule, which was provided, but no endorsement or forms schedule page was included. Form basis (occurrence vs. claims-made) is not stated on the declarations pages provided. Defense inside limits cannot be determined from these pages alone; the policy states it 'follows its form' but the underlying form was not provided. Drops-down on underlying exhaustion is not addressed in the provided pages. The role is 'excess' based on the title 'THIRD EXCESS LIABILITY DECLARATIONS' and the language 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form.' The Aggregate Limit on the declarations page is labeled simply 'Aggregate Limit'; it is transcribed as generalAggregate as the only aggregate printed, but the label is not specific to general aggregate or products/completed ops.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"HAVENBROOK NATIONAL INSURANCE COMPANY","citation":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-third-excess_havenbrook-national_HN-XS-30755"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"HN-XS-30755","citation":{"page":1,"quote":"POLICY NUMBER: HN-XS-30755","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":37000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $37,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":2,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Aggregate","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}},{"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"eachOccurrence":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}},{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":26,"failures":[],"notFound":0,"verified":26,"verifiedExact":26,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4977,"outputTokens":428,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12113,"outputTokens":2593,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4530,"outputTokens":1649,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-fourth-excess_pallenford-re_PF-XL-90218","sha256":"304eb4912191ef51c9047c5447bee7dde77bde81c94fed33ab5500c212b47d82","filename":"meridian-fourth-excess_pallenford-re_PF-XL-90218.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the Fourth Excess Liability Declarations; page 2 is the Schedule of Underlying Insurance listing four underlying carriers (HAVENBROOK NATIONAL INSURANCE COMPANY / HN-XS-30755, THORNWICK INDEMNITY COMPANY / TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY / XS 118430, STONEMARCH CASUALTY INSURANCE COMPANY / GL 4471902), all for the same policy period 04/01/2026 to 04/01/2027. The document bears a specimen/fictitious disclaimer. Page 2 also functions as a schedule-of-forms analog for underlying policies, but the dominant character of the full document is a declarations page.","carrier":{"value":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"PF-XL-90218","citation":{"page":1,"quote":"POLICY NUMBER: PF-XL-90218","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-fourth-excess_pallenford-re_PF-XL-90218","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},"notes":"Only the declarations page (page 1) and schedule of underlying insurance (page 2) were provided. No policy form, endorsements, or schedule of forms was included in the provided pages. Accordingly, formBasis, defenseInsideLimits, dropsDownOnUnderlyingExhaustion, and retention cannot be determined from the pages provided. The formsSchedule is empty because no schedule of forms appears on either page provided; this does not mean the policy carries no endorsements. The Aggregate Limit on page 1 is labeled simply 'Aggregate Limit' without specifying general aggregate or products/completed ops aggregate; it has been mapped to generalAggregate as printed. The policy self-describes as a follow-form excess policy: 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form.' The title of this document is 'FOURTH EXCESS LIABILITY DECLARATIONS', consistent with the excess role assignment. No retention or deductible is printed on the provided pages.","limits":{"eachOccurrence":{"value":40000000,"citation":{"page":1,"quote":"Each Occurrence Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":40000000,"citation":{"page":1,"quote":"Aggregate Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-fourth-excess_pallenford-re_PF-XL-90218"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"PF-XL-90218","citation":{"page":1,"quote":"POLICY NUMBER: PF-XL-90218","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":62000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $62,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"HAVENBROOK NATIONAL INSURANCE COMPANY","citation":{"page":2,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"HN-XS-30755","citation":{"page":2,"quote":"Policy No. HN-XS-30755","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},{"carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":2,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},{"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":32,"failures":[],"notFound":0,"verified":32,"verifiedExact":32,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5219,"outputTokens":342,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":7902,"outputTokens":1049,"cacheReadTokens":0,"cacheWriteTokens":1191}],"reRead":false,"lossRun":{"id":"meridian-loss-run_stonemarch-casualty_GL-4471902","notes":"The summary table on page 1 prints two columns relevant to paid figures: 'Loss & Expense Reserves' ($825,000) and 'Losses & Expenses Paid' ($629,000). The schema fields paidLoss and paidExpense are not separately printed in the summary table; the summary combines loss and expense into a single 'Losses & Expenses Paid' column. For the period entry, outstandingReserves is mapped from 'Loss & Expense Reserves' as the closest matching printed label. The 'Losses & Expenses Paid' figure ($629,000) is used for grandTotalPaid as printed on both page 1 (Totals row) and page 2 (Policy Totals row). The detail on page 2 prints individual claim Loss Reserve, Expense Reserve, Losses Paid, and Expenses Paid separately, but these are claim-level figures, not period-level columns matching the schema fields; no period-level paidLoss or paidExpense figure distinct from combined paid is printed in the summary. The report covers one policy period only (one loss year requested). The document footer notes it is a specimen/fictitious document prepared for demonstration.","carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"periods":[{"paidLoss":null,"effective":{"value":"04/01/2026","citation":{"page":1,"quote":"04/01/2026 – 04/01/2027","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"claimCount":4,"expiration":{"value":"04/01/2027","citation":{"page":1,"quote":"04/01/2026 – 04/01/2027","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"paidExpense":null,"totalIncurred":{"value":1454000,"citation":{"page":1,"quote":"$1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"outstandingReserves":{"value":825000,"citation":{"page":1,"quote":"$825,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"}}],"asOfDate":{"value":"09/01/2026","citation":{"page":1,"quote":"Current As of Date: 09/01/2026","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"confidence":"high","documentIds":["meridian-loss-run_stonemarch-casualty_GL-4471902"],"insuredName":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"Insured Name: MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"GL 4471902","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"grandTotalPaid":{"value":629000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"grandTotalIncurred":{"value":1454000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"}},"document":{"id":"meridian-loss-run_stonemarch-casualty_GL-4471902","sha256":"9d1d801412fc33092f7cb933680c1aa348ede0ea75a362e80e2c42296fb50c76","filename":"meridian-loss-run_stonemarch-casualty_GL-4471902.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"loss-run","notes":"Document is a two-page Business Loss Run current as of 09/01/2026, covering one policy year (04/01/2026–04/01/2027) with four GL Premises/Operations claims. All values are as printed. The document bears a specimen/fictitious disclaimer on both pages.","carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"Insured Name: MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"GL 4471902    04/01/2026 - 04/01/2027GL","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"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":116125,"outputTokens":16490,"cacheReadTokens":7844,"cacheWriteTokens":10322},"instructionVersions":{"reasoning/posture.md":"93456a16a26b","extraction/classify-document.md":"1cce3142702d","extraction/loss-run-extraction.md":"6e7c57637027","extraction/declarations-extraction.md":"9a4f10537fc9"}},"client":"Meridian Ridge Constructors, LLC (specimen)","ruleSet":{"authored":[],"standingIds":["global.attachment-continuity","global.every-policy-placed","global.underlying-provided","global.same-named-insured","global.term-concurrency","global.defense-outside-limits","global.carrier-reduced-coverage","global.coverage-capped-below-limit","global.endorsements-restrict","global.aggregate-impairment-known"]},"createdAt":"2026-08-23T20:18:57.798Z","sampleOrigin":true}