{"id":"review-mt6i0f8s","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 Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":8,"quote":"Policy #WC7‐641‐445533‐020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-3","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2021-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WC7‐641‐445533‐020","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","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"},"generalAggregate":{"page":7,"quote":"$1,000,000 Policy Limit","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-6","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2023-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"Policy #WA7 ‐ 64D ‐ 445533 ‐ 010","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":1000000,"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 Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":8,"quote":"Policy #WC7 ‐ 641 ‐ 445533 ‐ 020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":8,"quote":"$1,000,000 Policy Limit","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-7","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2021-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"Policy #WC7 ‐ 641 ‐ 445533 ‐ 020","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":1000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's +$15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-0","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"TB2‐641‐445533‐040","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's $1m‐$15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-1","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"TB2‐641‐445533‐030","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's +$15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-4","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 040","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's $1m ‐ $15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$20,000,000 General Aggregate Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-5","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 030","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":20000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"LEAD UMBRELLA","role":"unknown","limit":25000000,"carrier":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","inTower":true,"sources":{"limit":{"page":27,"quote":"$25,000,000 EACH OCCURRENCE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":27,"quote":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":27,"quote":"$25,000,000 AGGREGATE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-8","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":null,"scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":25000000,"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":"National Fire & Marine Insurance Company","inTower":true,"sources":{"limit":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"attachmentPoint":{"page":6,"quote":"\"Retained limit\" means the total applicable limits of all \"underlying policies\".","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"productsCompletedOpsAggregate":{"page":1,"quote":"C. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","effective":"2020-03-01","formBasis":"occurrence","deductible":null,"expiration":"2027-03-31","formNumbers":["FF‐XS‐DEC‐10/2014","CLP‐UN‐016‐07/2013","FFP‐XS‐001‐10/2014","FFP‐XS‐002‐11/2014","CL‐UN‐083‐01/2015","CL‐UN‐156‐01/2015","FFP‐XS‐013‐07/2014","FF‐XS‐026‐02/2016","CL‐UN‐185‐12/2015","CL‐UN‐075‐12/2016","MANUSCRIPT","MANUSCRIPT"],"namedInsured":"J.E. 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-mt6i0f8s","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 is a full policy packet, not a standalone declarations page. It contains at least two distinct policies: (1) National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (Follow Form Excess Liability), pages 1–24, including declarations, forms schedule, coverage form, and multiple endorsements; and (2) The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (Excess Liability), pages 25–30, including its own declarations, schedule of underlying insurance, forms/endorsements list, and coverage form pages. The document is classified by the dominant leading policy (42‐XSF‐310461‐01). The second policy number ECO (27) 60 81 04 20 issued by The Ohio Casualty Insurance Company (Liberty Mutual) also appears in this packet and should be split downstream. Pages 29–30 contain a degraded scan (rendered as exclamation-mark characters) of the Excess Liability Coverage Form CE 65 24 06 97; content on those pages is not fully legible, lowering overall confidence to medium.","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":515,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":70079,"outputTokens":5829,"cacheReadTokens":2134,"cacheWriteTokens":0},{"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 is a full policy packet, not a standalone declarations page. It contains at least two distinct policies: (1) National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (Follow Form Excess Liability), pages 1–24, including declarations, forms schedule, coverage form, and multiple endorsements; and (2) The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (Excess Liability), pages 25–30, including its own declarations, schedule of underlying insurance, forms/endorsements list, and coverage form pages. The document is classified by the dominant leading policy (42‐XSF‐310461‐01). The second policy number ECO (27) 60 81 04 20 issued by The Ohio Casualty Insurance Company (Liberty Mutual) also appears in this packet and should be split downstream. Pages 29–30 contain a degraded scan (rendered as exclamation-mark characters) of the Excess Liability Coverage Form CE 65 24 06 97; content on those pages is not fully legible, lowering overall confidence to medium.","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":"This document contains two separate policies. Pages 1–24 are the National Fire & Marine Insurance Company Follow Form Excess Liability policy (42‐XSF‐310461‐01). Pages 25–30 appear to be a separate policy issued by The Ohio Casualty Insurance Company (ECO (27) 60 81 04 20); fields extracted here pertain only to the National Fire & Marine policy.\n\nLimits note: The Limits of Insurance Modification endorsement (Manuscript, page 20) expressly deletes and replaces the Declarations page limits with a project-value-tiered schedule. The Declarations page prints $25,000,000 per occurrence and $25,000,000 aggregate, but those figures are superseded by the endorsement. The endorsement prints different limits depending on construction value tier (e.g., $25,000,000 per occurrence / $50,000,000 general aggregate per project per policy year for both tiers, with $100,000,000 general aggregate maximum for CV $1m–$15m and $100,000,000 products-completed ops aggregate for CV $1m–$15m; $50,000,000 products-completed ops aggregate per project for CV >$15m). The limits fields above reflect only what the Declarations page prints, since the endorsement creates a tiered structure that cannot be reduced to a single number without choosing a tier.\n\nAttachment point: The policy defines 'retained limit' as 'the total applicable limits of all underlying policies' (page 6), but does not print a single numerical attachment point figure on the declarations. The attachment point cited ($25,000,000) is taken from the Declarations page limit of the single underlying line identified in Item 4, which refers to an attached schedule. The underlying schedule (pages 7–8) lists multiple underlying policies; the attachment point cannot be reduced to a single number from the document as printed.\n\nDefense inside limits: The policy states defense costs operate identically to the followed policy (page 4); the underlying schedule prints 'Defense Treatment: Outside the Limit' for all underlying rows (pages 7–8). Following that language, defense is outside the limit, but this is follow-form and dependent on the followed policy.\n\nDrops down: The policy expressly states obligations only attach after the retained limit is exhausted by actual payment and that uncollectability risk remains with the insured; it does not drop down on underlying exhaustion other than by payment.","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. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"}},"carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"],"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"},"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":1000000,"formNumber":"CL ‐ UN ‐ 083 ‐ 01/2015","carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply (New York Territory)","where":"endorsement","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"},"subLimit":null,"formNumber":"CL ‐ UN ‐ 156 ‐ 01/2015","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","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"},"subLimit":null,"formNumber":"FFP ‐ XS ‐ 013 ‐ 07/2014","carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","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"},"subLimit":null,"formNumber":"FF ‐ XS ‐ 026 ‐ 02/2016","carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","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"},"subLimit":null,"formNumber":"Manuscript","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Follow Form Excess Liability Common Policy Declarations","citation":{"page":3,"quote":"Follow Form Excess Liability Common Policy Declarations","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":3,"quote":"FF‐XS‐DEC‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FF‐XS‐DEC‐10/2014","citation":{"page":3,"quote":"FF‐XS‐DEC‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Forms Schedule","citation":{"page":3,"quote":"Forms Schedule","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CLP‐UN‐016‐07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Follow Form Excess Liability Policy","citation":{"page":3,"quote":"Follow Form Excess Liability Policy","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":3,"quote":"FFP‐XS‐001‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FFP‐XS‐001‐10/2014","citation":{"page":3,"quote":"FFP‐XS‐001‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Schedule of Underlying","citation":{"page":3,"quote":"Schedule of Underlying","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"11/2014","citation":{"page":3,"quote":"FFP‐XS‐002‐11/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FFP‐XS‐002‐11/2014","citation":{"page":3,"quote":"FFP‐XS‐002‐11/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Act of Terrorism Self‐Insured Retention Endorsement","citation":{"page":3,"quote":"Act of Terrorism Self‐Insured Retention Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"01/2015","citation":{"page":3,"quote":"CL‐UN‐083‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐083‐01/2015","citation":{"page":3,"quote":"CL‐UN‐083‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Limitation - Coverage Does Not Apply Per the Schedule of this Endorsement","citation":{"page":3,"quote":"Limitation ‐ Coverage Does Not Apply Per the Schedule of this Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"01/2015","citation":{"page":3,"quote":"CL‐UN‐156‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐156‐01/2015","citation":{"page":3,"quote":"CL‐UN‐156‐01/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Workers' Compensation and Similar Laws Exclusion","citation":{"page":3,"quote":"Workers' Compensation and Similar Laws Exclusion","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"07/2014","citation":{"page":3,"quote":"FFP‐XS‐013‐07/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FFP‐XS‐013‐07/2014","citation":{"page":3,"quote":"FFP‐XS‐013‐07/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Confidential or Personal Information Disclosure Exclusion Endorsement","citation":{"page":3,"quote":"Confidential or Personal Information Disclosure Exclusion Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"02/2016","citation":{"page":3,"quote":"FF‐XS‐026‐02/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FF‐XS‐026‐02/2016","citation":{"page":3,"quote":"FF‐XS‐026‐02/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Composite Rate Endorsement","citation":{"page":3,"quote":"Composite Rate Endorsement","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"12/2015","citation":{"page":3,"quote":"CL‐UN‐185‐12/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐185‐12/2015","citation":{"page":3,"quote":"CL‐UN‐185‐12/2015","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Cap On Losses From Certified Acts of Terrorism (ISO Based)","citation":{"page":3,"quote":"Cap On Losses From Certified Acts of Terrorism (ISO Based)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"12/2016","citation":{"page":3,"quote":"CL‐UN‐075‐12/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CL‐UN‐075‐12/2016","citation":{"page":3,"quote":"CL‐UN‐075‐12/2016","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Limits Of Insurance Modification","citation":{"page":3,"quote":"Limits Of Insurance Modification","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":3,"quote":"Manuscript","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Residential Construction Exclusion","citation":{"page":3,"quote":"Residential Construction Exclusion","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":3,"quote":"Manuscript","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}],"attachmentPoint":{"value":25000000,"citation":{"page":6,"quote":"\"Retained limit\" means the total applicable limits of all \"underlying policies\".","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"low"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"General Liability US ‐ United States (CV's +$15m)","citation":{"page":7,"quote":"General Liability\nUS ‐ United States\n(CV's +$15m)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"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":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"TB2‐641‐445533‐040","citation":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"General Liability US ‐ United States (CV's $1m‐$15m)","citation":{"page":7,"quote":"General Liability\nUS ‐ United States\n(CV's $1m‐$15m)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"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":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"TB2‐641‐445533‐030","citation":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Insurance Corporation","citation":{"page":7,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"Employer's Liability US ‐ United States","citation":{"page":7,"quote":"Employer's Liability\nUS ‐ United States","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/01/2023","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2023-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/01/2023","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"WA7‐64D‐445533‐010","citation":{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":7,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":null},{"carrier":{"value":"Liberty Insurance Corporation","citation":{"page":8,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"Employer's Liability US ‐ United States (MN Only)","citation":{"page":8,"quote":"Employer's Liability\nUS ‐ United States\n(MN Only)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":8,"quote":"03/01/2020 to 03/01/2021","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2021-03-01","citation":{"page":8,"quote":"03/01/2020 to 03/01/2021","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"WC7‐641‐445533‐020","citation":{"page":8,"quote":"Policy #WC7‐641‐445533‐020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":8,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":null},{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"General Liability US ‐ United States (CV's +$15m)","citation":{"page":7,"quote":"General Liability US ‐ United States (CV's +$15m)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"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":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 040","citation":{"page":7,"quote":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"General Liability US ‐ United States (CV's $1m ‐ $15m)","citation":{"page":7,"quote":"General Liability US ‐ United States (CV's $1m ‐ $15m)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"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":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 030","citation":{"page":7,"quote":"Policy #TB2 ‐ 641 ‐ 445533 ‐ 030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":20000000,"citation":{"page":7,"quote":"$20,000,000 General Aggregate Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Insurance Corporation","citation":{"page":7,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"Employer's Liability US ‐ United States","citation":{"page":7,"quote":"Employer's Liability US ‐ United States","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/01/2023","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2023-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/01/2023","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"Policy #WA7 ‐ 64D ‐ 445533 ‐ 010","citation":{"page":7,"quote":"Policy #WA7 ‐ 64D ‐ 445533 ‐ 010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":7,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":1000000,"citation":{"page":7,"quote":"$1,000,000 Policy Limit","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Insurance Corporation","citation":{"page":8,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"Employer's Liability US ‐ United States (MN Only)","citation":{"page":8,"quote":"Employer's Liability US ‐ United States (MN Only)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":8,"quote":"03/01/2020 to 03/01/2021","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2021-03-01","citation":{"page":8,"quote":"03/01/2020 to 03/01/2021","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"Policy #WC7 ‐ 641 ‐ 445533 ‐ 020","citation":{"page":8,"quote":"Policy #WC7 ‐ 641 ‐ 445533 ‐ 020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":8,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":1000000,"citation":{"page":8,"quote":"$1,000,000 Policy Limit","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","citation":{"page":27,"quote":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"LEAD UMBRELLA","citation":{"page":27,"quote":"LEAD UMBRELLA","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":27,"quote":"03/01/2020 - 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":27,"quote":"03/01/2020 - 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"TO BE FURNISHED","citation":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":27,"quote":"$25,000,000 EACH OCCURRENCE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":27,"quote":"$25,000,000 AGGREGATE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":4,"quote":"Defense costs and expenses shall operate in an identical manner to the \"followed policy\".","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"dropsDownOnUnderlyingExhaustion":"no","dropsDownOnUnderlyingExhaustionSource":{"page":4,"quote":"Our obligations in this policy shall only attach after the \"retained limit\" has in fact been exhausted by payment, in legal currency, of damages by or on behalf of the \"underlying insurers\". The risk of uncollectability with respect to any \"underlying policy\" or \"underlying insurers\" for any reason is expressly retained by the \"insured\", and is not insured under this policy or otherwise assumed by us.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"needsHuman":null,"citationAudit":{"total":111,"failures":[],"notFound":0,"verified":111,"verifiedExact":109,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]}],"totalUsage":{"inputTokens":168914,"outputTokens":9936,"cacheReadTokens":3329,"cacheWriteTokens":0},"instructionVersions":{"reasoning/posture.md":"93456a16a26b","extraction/classify-document.md":"1cce3142702d","extraction/loss-run-extraction.md":"6e7c57637027","extraction/declarations-extraction.md":"4b5679a7d2ad"}},"client":"J.E. Dunn Construction Group","ruleSet":{"authored":[],"standingIds":["global.attachment-continuity","global.every-policy-placed","global.underlying-provided","global.same-named-insured","global.term-concurrency","global.defense-outside-limits","global.carrier-reduced-coverage","global.coverage-capped-below-limit","global.endorsements-restrict","global.aggregate-impairment-known"]},"createdAt":"2026-08-24T00:29:07.757Z","sampleOrigin":true}