{"id":"review-mt6gtdju","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","pagesSwept":21,"pagesTotal":51,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The reading proceeded without: Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01; Underlying policy TB2‐641‐445533‐030 scheduled by 42-XSF-310461-01; Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01; Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01; Underlying policy Policy #TB2 ‐ 641 ‐ 445533 ‐ 040 scheduled by 42-XSF-310461-01; Underlying policy Policy #TB2 ‐ 641 ‐ 445533 ‐ 030 scheduled by 42-XSF-310461-01; Underlying policy Policy #WA7 ‐ 64D ‐ 445533 ‐ 010 scheduled by 42-XSF-310461-01; Underlying policy Policy #WC7 ‐ 641 ‐ 445533 ‐ 020 scheduled by 42-XSF-310461-01; Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:policy-tb2-641-445533-040","expectation:42-xsf-310461-01:policy-tb2-641-445533-030","expectation:42-xsf-310461-01:policy-wa7-64d-445533-010","expectation:42-xsf-310461-01:policy-wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"expectations":[{"id":"expectation:42-xsf-310461-01:tb2-641-445533-040","what":"Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:tb2-641-445533-030","what":"Underlying policy TB2‐641‐445533‐030 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wa7-64d-445533-010","what":"Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wc7-641-445533-020","what":"Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":8,"quote":"Policy #WC7‐641‐445533‐020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:policy-tb2-641-445533-040","what":"Underlying policy Policy #TB2 ‐ 641 ‐ 445533 ‐ 040 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:policy-tb2-641-445533-030","what":"Underlying policy Policy #TB2 ‐ 641 ‐ 445533 ‐ 030 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:policy-wa7-64d-445533-010","what":"Underlying policy Policy #WA7 ‐ 64D ‐ 445533 ‐ 010 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #WA7 ‐ 64D ‐ 445533 ‐ 010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:policy-wc7-641-445533-020","what":"Underlying policy Policy #WC7 ‐ 641 ‐ 445533 ‐ 020 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":8,"quote":"Policy #WC7 ‐ 641 ‐ 445533 ‐ 020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies","what":"Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null}],"documentsRead":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},"answers":[{"state":"fail","message":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","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":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"cannot-determine","message":"Fewer than two policies carry a named insured, so there is nothing to compare.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"fail","message":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"pass","message":"Defense costs are payable in addition to the limits, so legal spend does not reduce what is available to pay a claim.","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":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":"Employer's Liability US ‐ United States","role":"unknown","limit":1000000,"carrier":"Liberty Insurance Corporation","inTower":false,"sources":{"limit":{"page":7,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-2","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2023-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WA7‐64D‐445533‐010","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Employer's Liability US ‐ United States (MN Only)","role":"unknown","limit":1000000,"carrier":"Liberty Insurance Corporation","inTower":false,"sources":{"limit":{"page":8,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":8,"quote":"Liberty Insurance 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Dunn Construction Group, Inc.","policyNumber":"42-XSF-310461-01","scheduledOnly":false,"attachmentPoint":25000000,"exhaustionPoint":50000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":50000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names TB2‐641‐445533‐040, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names TB2‐641‐445533‐030, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WA7‐64D‐445533‐010, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WC7‐641‐445533‐020, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-3"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names Policy #TB2 ‐ 641 ‐ 445533 ‐ 040, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-4"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names Policy #TB2 ‐ 641 ‐ 445533 ‐ 030, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-5"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names Policy #WA7 ‐ 64D ‐ 445533 ‐ 010, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-6"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names Policy #WC7 ‐ 641 ‐ 445533 ‐ 020, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-7"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names a policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES at 25,000,000 each occurrence, with no policy number printed, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-8"]},{"kind":"attachment-gap","amount":20000000,"detail":"TB2‐641‐445533‐040 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-0","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"attachment-gap","amount":20000000,"detail":"TB2‐641‐445533‐030 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-1","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"attachment-gap","amount":20000000,"detail":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 040 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-4","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"attachment-gap","amount":20000000,"detail":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 030 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-5","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2023-03-01 on WA7‐64D‐445533‐010), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-2"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2021-03-01 on WC7‐641‐445533‐020), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-3"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2023-03-01 on Policy #WA7 ‐ 64D ‐ 445533 ‐ 010), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-6"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2021-03-01 on Policy #WC7 ‐ 641 ‐ 445533 ‐ 020), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-7"]}],"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":1000000,"formNumber":"CL ‐ UN ‐ 083 ‐ 01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply (New York Territory)","where":"endorsement","source":"policy-language","citation":{"page":12,"quote":"Territory(ies): New York The following restriction of coverage is added to this policy, and supersedes anything else to the contrary: Notwithstanding anything elsewhere in this policy, this insurance does not apply to \"bodily injury\", \"property damage\", \" personal and advertising injury \" or any other liability, loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" , caused by, arising out of, resulting from, or in any way related to, directly or indirectly, in whole or in part: ... 7. The territory(ies) shown in the Schedule above.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"CL ‐ UN ‐ 156 ‐ 01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"Workers' Compensation And Similar Laws This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FFP ‐ XS ‐ 013 ‐ 07/2014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","source":"policy-language","citation":{"page":14,"quote":"Confidential or Personal Information Disclosure Exclusion This policy does not apply to \" bodily injury \" , \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a . unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non ‐ public c o n f i d e n t i a l o r p e r s o n a l i n f o r m a t i o n","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FF ‐ XS ‐ 026 ‐ 02/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","source":"policy-language","citation":{"page":23,"quote":"Residential Construction Exclusion 1. This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, directly or indirectly, any premises if all or part of those premises are or were at any time, whether before or after the effective dates of this policy, used, occupied, listed, marketed, rented or sold as a residential premises.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"Manuscript","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"no","underlyingScheduleCount":9,"formsWithNoRestrictionFound":6},"findings":[{"id":"finding-global.attachment-continuity","layer":"global","impact":"Does every layer attach where the layer beneath it exhausts?","ruleId":"global.attachment-continuity","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:policy-tb2-641-445533-040","expectation:42-xsf-310461-01:policy-tb2-641-445533-030","expectation:42-xsf-310461-01:policy-wa7-64d-445533-010","expectation:42-xsf-310461-01:policy-wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","ruleVersion":"cbb148ade44b"},{"id":"finding-global.underlying-provided","layer":"global","impact":"Was every policy named in a schedule of underlying insurance provided?","ruleId":"global.underlying-provided","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:policy-tb2-641-445533-040","expectation:42-xsf-310461-01:policy-tb2-641-445533-030","expectation:42-xsf-310461-01:policy-wa7-64d-445533-010","expectation:42-xsf-310461-01:policy-wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"},{"id":"finding-global.term-concurrency","layer":"global","impact":"Do all layers run on the same policy period?","ruleId":"global.term-concurrency","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:policy-tb2-641-445533-040","expectation:42-xsf-310461-01:policy-tb2-641-445533-030","expectation:42-xsf-310461-01:policy-wa7-64d-445533-010","expectation:42-xsf-310461-01:policy-wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","ruleVersion":"57030f9e857f"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Act of Terrorism Self-Insured Retention is capped at 1,000,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt6gtdju","decisions":[],"unanswered":[{"reason":"Fewer than two policies carry a named insured, so there is nothing to compare.","questionId":"global.same-named-insured"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-shallow-global.defense-outside-limits","evidence":[],"statement":"\"Are defense costs payable in addition to the limits?\" is answered from policy language, and 21 pages were read as text for schedules and declarations values rather than examined. The answer stands on the pages that were read in full.","packetComplete":false},{"id":"observation-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-classifier","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf, from the classifier: This PDF contains at least two distinct policies. Pages 1–24 are the declarations, forms schedule, coverage form, and endorsements for National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (Follow Form Excess Liability). Pages 25–28 are the declarations, schedule of underlying insurance, and forms list for The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (Excess Liability), a separate policy issued to the same named insured. Pages 29–30 contain the Excess Liability Coverage Form (CE 65 24 06 97) belonging to the Ohio Casualty policy. The dominant document at the start of the packet is the National Fire & Marine declarations, so that policy is used for the top-level fields. The second policy number (ECO (27) 60 81 04 20, carrier The Ohio Casualty Insurance Company) is noted here for downstream splitting.","packetComplete":false},{"id":"observation-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-truncated","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf: pages 1 to 30 were read in full, and all 50 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions; 5 schedule entries were found that the front pages did not carry. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":62647,"outputTokens":473,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":70079,"outputTokens":5941,"cacheReadTokens":0,"cacheWriteTokens":2134},{"model":"claude-haiku-4-5","inputTokens":27715,"outputTokens":3098,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8473,"outputTokens":494,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","sha256":"b6cad50544fa1b8ba25ecced1f14101243e917e49c9894b8995c803f4c926e1c","filename":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"This PDF contains at least two distinct policies. Pages 1–24 are the declarations, forms schedule, coverage form, and endorsements for National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (Follow Form Excess Liability). Pages 25–28 are the declarations, schedule of underlying insurance, and forms list for The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (Excess Liability), a separate policy issued to the same named insured. Pages 29–30 contain the Excess Liability Coverage Form (CE 65 24 06 97) belonging to the Ohio Casualty policy. The dominant document at the start of the packet is the National Fire & Marine declarations, so that policy is used for the top-level fields. The second policy number (ECO (27) 60 81 04 20, carrier The Ohio Casualty Insurance Company) is noted here for downstream splitting.","carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"pageCount":51,"confidence":"medium","namedInsured":{"value":"J.E. Dunn Construction Group, Inc.","citation":{"page":1,"quote":"J.E. Dunn Construction Group, Inc.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"42‐XSF‐310461‐01","citation":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}},"deepSweep":{"found":5,"pages":50,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","role":"excess","term":{"effective":{"value":"2020-03-01","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},"notes":"1. The declarations page (page 1) shows limits of $25,000,000 per occurrence, $25,000,000 aggregate (except auto), and $25,000,000 products-completed operations aggregate. However, the manuscript Limits of Insurance Modification endorsement (pages 20-22) deletes those limits and replaces them with tiered limits based on construction value: for projects CV $1m-$15m: $25M per occurrence, $50M general aggregate (per project/per policy year), $100M general aggregate maximum (per policy year), $100M products-completed operations hazard aggregate; for projects CV >$15m: $25M per occurrence, $50M general aggregate (per project/per policy year), $50M products-completed operations hazard aggregate (per project). The limits fields above reflect the declarations page figures; the endorsement modifies them materially. Confidence is medium due to this discrepancy.\n2. Defense inside limits: this policy states defense costs operate identically to the followed policy, and the underlying schedule shows 'Defense Treatment: Outside the Limit' for all underlying lines. This suggests defense is outside the limit, but since the determination depends on the followed policy's language (not fully provided), defenseInsideLimits is answered 'no' based on the follow-form instruction and the underlying schedule's printed 'Outside the Limit' language.\n3. The attachment point is not printed as a single dollar figure; it is defined as 'the total applicable limits of all underlying policies.' No single number is printed for the attachment point in this policy. The value of $25,000,000 entered above is taken from the declarations page aggregate limit of the underlying (National Fire & Marine, 42-XSF-310461-01 is the lead umbrella per the Ohio Casualty schedule on page 27), but this is a reading from a different document in the packet. The attachment point field should be read with caution.\n4. The terrorism SIR endorsement (CL-UN-083-01/2015, page 9) adds a $1,000,000 self-insured retention applicable to acts of terrorism specifically. This is not a general policy retention but a specific endorsement-based SIR for terrorism.\n5. The packet contains two separate policies: the National Fire & Marine Follow Form Excess (42-XSF-310461-01, pages 1-24) and an Ohio Casualty Excess Liability policy (ECO (27) 60 81 04 20, pages 25-30). The Ohio Casualty policy sits above the National Fire & Marine policy per its schedule of underlying on page 27. This extraction is for the National Fire & Marine policy only.\n6. The drops-down answer is 'no' because Section II states obligations attach only after the retained limit is exhausted by actual payment by underlying insurers, and risk of uncollectability is expressly retained by the insured — this is a strict follow-form excess that does not drop down.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":1,"quote":"C. 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