{"id":"review-mt6gvi8j","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"austin-excess-liability_starr-indemnity_1000588272231","pagesSwept":16,"pagesTotal":46,"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 XSM G47398137 001 scheduled by 1000588272231; Underlying policy TB5-661-067424-023 scheduled by 1000588272231; Underlying policy WA5-66D-067424-013 scheduled by 1000588272231; Underlying policy 140000976 scheduled by 1000588272231; Underlying policy 0313-7437 scheduled by 1000588272231. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"expectations":[{"id":"expectation:1000588272231:xsm-g47398137-001","what":"Underlying policy XSM G47398137 001 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:tb5-661-067424-023","what":"Underlying policy TB5-661-067424-023 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:wa5-66d-067424-013","what":"Underlying policy WA5-66D-067424-013 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:140000976","what":"Underlying policy 140000976 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:0313-7437","what":"Underlying policy 0313-7437 scheduled by 1000588272231","basis":"cited","source":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null}],"documentsRead":["austin-excess-liability_starr-indemnity_1000588272231"]},"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":"fail","message":"At least one layer pays defense costs inside the limits. Legal spend erodes the same money that pays the loss, so the stated limit is not what is available at the end of a contested 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":"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":"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":"Employers Liability","role":"unknown","limit":1000000,"carrier":"LM Insurance Corp.","inTower":false,"sources":{"limit":{"page":12,"quote":"$1,000,000 Each Accident","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-2","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2026-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"WA5-66D-067424-013","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":"General Liability","role":"unknown","limit":2000000,"carrier":"LM Insurance Corp.","inTower":true,"sources":{"limit":{"page":12,"quote":"$2,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$4,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-1","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"TB5-661-067424-023","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Excess Liability","role":"unknown","limit":5000000,"carrier":"QBE Insurance Corp.","inTower":true,"sources":{"limit":{"page":12,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: QBE Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-3","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"140000976","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Excess Liability","role":"unknown","limit":5000000,"carrier":"Allied World Specialty Ins Co.","inTower":true,"sources":{"limit":{"page":13,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":13,"quote":"Carrier: Allied World Specialty Ins Co.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":13,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-4","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"0313-7437","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Excess Liability","role":"unknown","limit":15000000,"carrier":"Indem Ins Co. of North America","inTower":true,"sources":{"limit":{"page":12,"quote":"$15,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: Indem Ins Co. of North America","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$15,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-0","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"XSM G47398137 001","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":15000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":15000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"Starr Indemnity & Liability Company","inTower":true,"sources":{"limit":{"page":7,"quote":"A. $ 25,000,000 Each Occurrence","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"attachmentPoint":{"page":12,"quote":"Coverage: General Liability\nCarrier: LM Insurance Corp.\nPolicy No.: TB5-661-067424-023\n$2,000,000 Each Occurrence Limit\n$4,000,000 Other Aggregate Limit\n$4,000,000 Products-Completed Operations Aggregate Limit\nCoverage: Employers Liability\nCarrier: LM Insurance Corp.\nPolicy No.: WA5-66D-067424-013\n$1,000,000 Each Accident\n$1,000,000 Disease - Each Employee Limit\n$1,000,000 Disease - Policy Limit\nCoverage: Excess Liability\nCarrier: QBE Insurance Corp.\nPolicy No.: 140000976\n$5,000,000 Each Occurrence Limit\nCoverage: Excess Liability\nCarrier: Allied World Specialty Ins Co.\nPolicy No.: 0313-7437\n$5,000,000 Each Occurrence Limit\nCoverage: Excess Liability\nCarrier: Indem Ins Co. of North America\nPolicy No.: XSM G47398137 001\n$15,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"productsCompletedOpsAggregate":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","effective":"2023-04-03","formBasis":"occurrence","deductible":null,"expiration":"2029-04-03","formNumbers":["PNSI 014 TX","CLAIMS RPT","SIPN 018","SIPN-002 03 21","XS 360 TX","XS 101 TX D","SIIL-0001 01 22","XS 102","XS 100","XS 301 TX","XS 331 TX","XS 104","XS 113","XS 134 TX","XS 143","XS 149","XS 342","XS 343","SIXS-0341 01 22","XS 374","XS 395","XS-416"],"namedInsured":"City of Austin","policyNumber":"1000588272231","scheduledOnly":false,"attachmentPoint":27000000,"exhaustionPoint":52000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"yes","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":52000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names XSM G47398137 001, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names TB5-661-067424-023, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names WA5-66D-067424-013, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 140000976, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-3"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 0313-7437, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-4"]},{"kind":"attachment-gap","amount":12000000,"detail":"Coverage beneath 1000588272231 exhausts at 15,000,000 but it does not begin paying until 27,000,000. The insured carries that band.","layerPolicyIds":["scheduled-1","scheduled-3","scheduled-4","scheduled-0","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2029-04-03 on TB5-661-067424-023, 2023-04-03 to 2026-04-03 on WA5-66D-067424-013), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-1","scheduled-2"]}],"restrictions":[{"label":"Defense Condition Amendment","where":"endorsement","source":"policy-language","citation":{"page":31,"quote":"Defense Condition Amendment Policy Number: 1000588272231 Effective Date: 04/03/2023 at 12:01 A.M. Named Insured: City of Austin SECTION IV. CONDITIONS, condition F. Defense is deleted in its entirety and replaced with the following","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 143 (10/08)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","source":"policy-language","citation":{"page":33,"quote":"The following exclusion is added to SECTION V. EXCLUSIONS: This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 149 (10/08)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS – 342 (01/15)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses - Certified Acts of Terrorism Retained Amount","where":"endorsement","source":"policy-language","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount described in paragraph B. below.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 343 (01/15)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":37,"quote":"SECTION V. EXCLUSIONS is amended to include the following : Terrorism \"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"SIXS-0341 01 22","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":40,"quote":"SECTION V. EXCLUSIONS is amended to include the following: Communicable Disease \"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 395 (11-14)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","source":"policy-language","citation":{"page":41,"quote":"The following exclusion is added to SECTION V. EXCLUSIONS : This insurance does not apply to: Cannabis 1. \"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS-416 (0120)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception And a Hostile Fire Exception","where":"endorsement","source":"policy-language","citation":{"page":27,"quote":"Exclusion D. Pollution under SECTION V. EXCLUSIONS is replaced with the following: D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 104 (04-11)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos","where":"base-form","source":"policy-language","citation":{"page":6,"quote":"NO COVERAGE IS PROVIDED FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS OR ANY OBLIGATION TO INDEMNIFY OTHERS FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 360 TX (03/09)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Auto Coverages","where":"base-form","source":"policy-language","citation":{"page":23,"quote":"E. Workers Compensation and Similar Laws \"Ultimate Net Loss\" for any obligation of the Insured under any worker's compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 100 (10/08)","alsoProvisions":["Nuclear","Pollution","Workers Compensation and Similar Laws"],"carrierNoticedReduction":false},{"label":"Continuing or Progressively Deteriorating Damages","where":"endorsement","source":"policy-language","citation":{"page":30,"quote":"In the event of continuing or progressively deteriorating damage, such damage shall be deemed to occur only when such damage becomes known to the insured. If the damage first becomes known to the insured during the Policy Period, our Limits of Insurance in effect at the time of such knowledge shall be the only limits that apply.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 134 TX","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"yes","underlyingScheduleCount":5,"formsWithNoRestrictionFound":20},"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":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"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":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"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":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"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.defense-outside-limits","layer":"global","impact":"Are defense costs payable in addition to the limits?","ruleId":"global.defense-outside-limits","degraded":true,"evidence":[],"dependsOn":[],"statement":"At least one layer pays defense costs inside the limits. Legal spend erodes the same money that pays the loss, so the stated limit is not what is available at the end of a contested claim.","ruleVersion":"fea2836950cd"},{"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-mt6gvi8j","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 16 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-austin-excess-liability_starr-indemnity_1000588272231-classifier","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf, from the classifier: The document is a complete policy packet for policy number 1000588272231, a Commercial Excess Liability policy issued by Starr Indemnity & Liability Company to City of Austin. It contains: policyholder notices (pages 1-5), a Texas Policyholder Notice – Asbestos Exclusion that names the policy number and insured (page 6), the Excess Liability Declarations pages (pages 7-9), the TRIA disclosure endorsement (pages 10-11), the Schedule of Underlying Insurance (pages 12-13), the Excess Liability Policy Form XS-100 (pages 14-23), and several endorsements (pages 24-30). The dominant character is the declarations packet. The policy period runs from April 3, 2023 to April 3, 2029. The Item 6 premium schedule on page 8 is blank (no premium amounts printed). Underlying insurers referenced in the schedule of underlying insurance include Indem Ins Co. of North America, LM Insurance Corp., QBE Insurance Corp., and Allied World Specialty Ins Co.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-citations","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: 122 of 125 figures were confirmed against the page they cite. The remaining 3 could not be, so they are the reader's word rather than the document's. Nothing else in this reading depends on them.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-truncated","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: pages 1 to 30 were read in full, and all 46 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. 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":62955,"outputTokens":503,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":70387,"outputTokens":8906,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24531,"outputTokens":4199,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4629,"outputTokens":180,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"austin-excess-liability_starr-indemnity_1000588272231","sha256":"d65afe97490a408aab228f36fcacb61738212beee8f3f047880515a6a61bf3c3","filename":"austin-excess-liability_starr-indemnity_1000588272231.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"The document is a complete policy packet for policy number 1000588272231, a Commercial Excess Liability policy issued by Starr Indemnity & Liability Company to City of Austin. It contains: policyholder notices (pages 1-5), a Texas Policyholder Notice – Asbestos Exclusion that names the policy number and insured (page 6), the Excess Liability Declarations pages (pages 7-9), the TRIA disclosure endorsement (pages 10-11), the Schedule of Underlying Insurance (pages 12-13), the Excess Liability Policy Form XS-100 (pages 14-23), and several endorsements (pages 24-30). The dominant character is the declarations packet. The policy period runs from April 3, 2023 to April 3, 2029. The Item 6 premium schedule on page 8 is blank (no premium amounts printed). Underlying insurers referenced in the schedule of underlying insurance include Indem Ins Co. of North America, LM Insurance Corp., QBE Insurance Corp., and Allied World Specialty Ins Co.","carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"pageCount":46,"confidence":"high","namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":46,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"austin-excess-liability_starr-indemnity_1000588272231","role":"excess","term":{"effective":{"value":"2023-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"expiration":{"value":"2029-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"notes":"Role: The declarations page is titled 'EXCESS LIABILITY DECLARATIONS' and Item 3 states 'Coverage: Commercial Excess Liability'; role is excess. Form basis: The policy states on page 9 'IF THE FIRST UNDERLYING INSURANCE POLICY(IES) PROVIDE COVERAGE ON A CLAIMS-MADE BASIS, THIS POLICY ALSO APPLIES ON A CLAIMS-MADE BASIS' but does not affirmatively state the underlying is claims-made; the base form is occurrence-based excess. Recorded as occurrence. Attachment point: The declarations page (page 7) refers to 'See attached Schedule of Underlying Insurance' but does not print a single attachment-point dollar figure; the attachment point is not printed as a standalone figure and has been omitted from the attachment point field. The field was populated with a citation to the schedule for reference but confidence is low — a downstream step should derive the attachment from the schedule limits. Defense inside limits: The policy's definition of 'Ultimate Net Loss' on page 17 states defense costs are included in Ultimate Net Loss 'when such defense costs are included within the limits of insurance of any applicable Underlying Insurance' — this means defense erodes this policy's limits to the extent the underlying policies include defense within limits. Form XS 143 (Defense Condition Amendment) is attached but its text is not included in the provided pages; the amendment may modify this result. Confidence is medium on this field. Employers Liability row: The $1,000,000 Each Accident figure is used as eachOccurrence for schema compliance; that row's limits are per accident and per disease, not per occurrence — downstream users should not treat them as occurrence limits. The schedule on page 12 lists $1,000,000 Each Accident / $1,000,000 Disease - Each Employee Limit / $1,000,000 Disease - Policy Limit. Aggregate Limits Amended endorsement (XS 113) replaces the annual reset provision with a single term-wide aggregate for the full policy period (April 3, 2023 to April 3, 2029).","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":7,"quote":"A. $ 25,000,000 Each Occurrence","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["austin-excess-liability_starr-indemnity_1000588272231"],"namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"restrictions":[{"label":"Defense Condition Amendment","where":"endorsement","citation":{"page":31,"quote":"Defense Condition Amendment Policy Number: 1000588272231 Effective Date: 04/03/2023 at 12:01 A.M. Named Insured: City of Austin SECTION IV. CONDITIONS, condition F. Defense is deleted in its entirety and replaced with the following","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 143 (10/08)","carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","citation":{"page":33,"quote":"The following exclusion is added to SECTION V. EXCLUSIONS: This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 149 (10/08)","carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS – 342 (01/15)","carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses - Certified Acts of Terrorism Retained Amount","where":"endorsement","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount described in paragraph B. below.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 343 (01/15)","carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","citation":{"page":37,"quote":"SECTION V. EXCLUSIONS is amended to include the following : Terrorism \"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"SIXS-0341 01 22","carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":40,"quote":"SECTION V. EXCLUSIONS is amended to include the following: Communicable Disease \"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 395 (11-14)","carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","citation":{"page":41,"quote":"The following exclusion is added to SECTION V. EXCLUSIONS : This insurance does not apply to: Cannabis 1. \"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS-416 (0120)","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception And a Hostile Fire Exception","where":"endorsement","citation":{"page":27,"quote":"Exclusion D. Pollution under SECTION V. EXCLUSIONS is replaced with the following: D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 104 (04-11)","carrierNoticedReduction":false},{"label":"Asbestos","where":"base-form","citation":{"page":6,"quote":"NO COVERAGE IS PROVIDED FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS OR ANY OBLIGATION TO INDEMNIFY OTHERS FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 360 TX (03/09)","carrierNoticedReduction":false},{"label":"Auto Coverages","where":"base-form","citation":{"page":21,"quote":"B. Auto Coverages \"Ultimate Net Loss\" arising out of or resulting from any first party physical damage coverage; no- fault law; personal injury protection or auto medical payments coverage; or uninsured or underinsured motorist law.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100 (10/08)","carrierNoticedReduction":false},{"label":"Nuclear","where":"base-form","citation":{"page":22,"quote":"C. Nuclear \"Ultimate Net Loss\": 1. a. With respect to which the Insured is also an Insured under a nuclear energy liability policy","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100 (10/08)","carrierNoticedReduction":false},{"label":"Pollution","where":"base-form","citation":{"page":22,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100 (10/08)","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws","where":"base-form","citation":{"page":23,"quote":"E. 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