{"id":"review-mt6hjbea","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":[{"line":null,"role":"primary","limit":2000000,"carrier":"STONEMARCH CASUALTY INSURANCE COMPANY","inTower":true,"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 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$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},{"line":null,"role":"excess","limit":10000000,"carrier":"CALDER SHORE SPECIALTY INSURANCE COMPANY","inTower":true,"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":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","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},{"line":null,"role":"excess","limit":25000000,"carrier":"THORNWICK INDEMNITY COMPANY","inTower":true,"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":1,"quote":"Attachment Point (Total Underlying Limits) $12,000,000","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":"occurrence","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},{"line":null,"role":"excess","limit":25000000,"carrier":"HAVENBROOK NATIONAL INSURANCE COMPANY","inTower":true,"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":1,"quote":"Attachment Point (Total Underlying Limits) 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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":[],"restrictions":[],"aggregateImpairment":{"basis":"loss-run","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":1454000,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":10,"formsWithNoRestrictionFound":0},"findings":[],"reviewId":"review-mt6hjbea","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-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. Footer states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. All companies, policies, and claims are fictitious. The prior policy number GL 4471901 is also printed on the page as the renewal predecessor.","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 with limits and attachment point; page 2 is a Schedule of Underlying Insurance listing Stonemarch Casualty Insurance Company policy GL 4471902 as the underlying carrier. The document footer states this is a synthetic document written for the CoverageCheck product demonstration and that all companies, policies, and claims are fictitious.","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 with limits and attachment point; page 2 is a Schedule of Underlying Insurance listing two underlying policies (Calder Shore Specialty Insurance Company, Policy No. XS 118430, and Stonemarch Casualty Insurance Company, Policy No. GL 4471902). Both pages bear policy number TXS 660214. The document is identified as a synthetic demonstration document and explicitly states all companies, policies, and claims are fictitious.","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; 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 a synthetic demonstration document and is explicitly noted as fictitious. No coverage forms or endorsements were provided; presence or absence of exclusions cannot be determined from this packet alone.","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 with limits and attachment point; page 2 is a 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). The document bears a synthetic/fictitious disclaimer at the bottom of each page. Page 2 also references underlying policy numbers that are not the subject policy.","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 for policy GL 4471902, covering policy term 04/01/2026 – 04/01/2027. All four claims are GL Premises/Operations type. Page 1 contains a summary; page 2 contains claim-level detail. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is fictitious.","packetComplete":false},{"id":"observation-meridian-second-excess_thornwick-indemnity_TXS-660214-sweep-losses","evidence":[],"statement":"meridian-second-excess_thornwick-indemnity_TXS-660214.pdf: of the 2 pages searched for provisions and schedule entries, 2 pages could not be read ([\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      0,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  },\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      1,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  }\n]). A restriction printed on one of those pages would not appear here.","packetComplete":false},{"id":"observation-meridian-third-excess_havenbrook-national_HN-XS-30755-sweep-losses","evidence":[],"statement":"meridian-third-excess_havenbrook-national_HN-XS-30755.pdf: of the 2 pages searched for provisions and schedule entries, 2 pages could not be read ([\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      0,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  },\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      1,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  },\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      2,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  }\n]). A restriction printed on one of those pages would not appear here.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":3114,"outputTokens":315,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":10546,"outputTokens":941,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4691,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","sha256":"72793bbf6ebbcd7fab2baf6aa3996f1a504f9e19ff4843c42e30bd2f3308a6a8","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. Footer states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. All companies, policies, and claims are fictitious. The prior policy number GL 4471901 is also printed on the page as the renewal predecessor.","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, as expected for a primary policy. No attachment point applies. No schedule of forms was provided on this page; whether endorsements are attached cannot be determined from this document alone. No retention (deductible or SIR) is printed. No per-project aggregate endorsement is referenced on this declarations page. 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No deductible or self-insured retention is printed on these pages. 7. 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