{"id":"review-mt6m4ua2","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03","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:xsu-3318842-03:cgl-7204518-03","what":"Underlying policy CGL 7204518-03 scheduled by XSU 3318842-03","basis":"cited","source":{"page":2,"quote":"Policy No. CGL 7204518-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"satisfiedByDocumentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"}],"documentsRead":["torvane-gl-declarations_standhope-mutual_CGL-7204518-03","torvane-umbrella_quarrywood-specialty_XSU-3318842-03","torvane-loss-run_standhope-mutual_CGL-7204518-03"]},"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":"pass","message":"Every page was searched and no restricting provision was found in the attached forms.","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":1000000,"carrier":"STANDHOPE MUTUAL INSURANCE COMPANY","inTower":true,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"carrier":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-03","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"productsCompletedOpsAggregate":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"}},"policyId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","effective":"2026-03-01","formBasis":"occurrence","deductible":null,"expiration":"2027-03-01","formNumbers":["SM GL 00 01","SM IL 00 17","SM GL 21 47","SM GL 21 96","SM GL 24 04","SM IL 09 85"],"namedInsured":"TORVANE COLD STORAGE, INC.","policyNumber":"CGL 7204518-03","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":{"amount":1240000,"figure":"total-incurred","asOfDate":"08/01/2026","citation":{"page":2,"quote":"Policy Totals   Reserves: $655,000   Paid: $585,000   Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"joinDeterminedByPerson":false,"remainingGeneralAggregate":760000},"generalAggregate":2000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":2000000},{"line":null,"role":"excess","limit":10000000,"carrier":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","inTower":true,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"carrier":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"attachmentPoint":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"selfInsuredRetention":{"page":1,"quote":"Self-Insured Retention (Any One Occurrence) $10,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"}},"policyId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","effective":"2026-03-01","formBasis":"occurrence","deductible":null,"expiration":"2027-03-01","formNumbers":[],"namedInsured":"TORVANE COLD STORAGE, INC.","policyNumber":"XSU 3318842-03","scheduledOnly":false,"attachmentPoint":1000000,"exhaustionPoint":11000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"per-occurrence","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":10000,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":11000000,"towerIssues":[],"restrictions":[],"aggregateImpairment":{"basis":"loss-run","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":1240000,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":1,"formsWithNoRestrictionFound":6},"findings":[],"reviewId":"review-mt6m4ua2","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"}],"observations":[{"id":"observation-torvane-loss-run_standhope-mutual_CGL-7204518-03-erosion","evidence":[{"page":2,"quote":"Policy Totals   Reserves: $655,000   Paid: $585,000   Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"}],"statement":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf, valued 08/01/2026, erodes the CGL 7204518-03 general aggregate by $1,240,000 of incurred losses: $760,000 of the printed $2,000,000 remains. Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"id":"observation-torvane-gl-declarations_standhope-mutual_CGL-7204518-03-classifier","evidence":[],"statement":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03.pdf, from the classifier: Document is a two-page Commercial General Liability Declarations packet. Page 1 is the declarations page with limits and premium. Page 2 is the Forms and Endorsements Schedule listing six forms attached to the policy. Both pages carry the same policy number CGL 7204518-03. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","packetComplete":false},{"id":"observation-torvane-umbrella_quarrywood-specialty_XSU-3318842-03-classifier","evidence":[],"statement":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03.pdf, from the classifier: Two-page document: page 1 is the Commercial Umbrella Liability Declarations; page 2 is the Schedule of Underlying Insurance listing an underlying CGL policy (STANDHOPE MUTUAL INSURANCE COMPANY, Policy No. CGL 7204518-03). The document footer on both pages states it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form.","packetComplete":false},{"id":"observation-torvane-loss-run_standhope-mutual_CGL-7204518-03-classifier","evidence":[],"statement":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf, from the classifier: Two-page loss run for policy term 03/01/2026–03/01/2027. Page 1 is the summary; page 2 is the claim-level detail. Four claims, all GL Premises/Operations, all located in Utica, NY. The document footer states it is a synthetic document produced for a product demonstration and that every company, policy, and claim shown is fictitious.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5037,"outputTokens":344,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12469,"outputTokens":2113,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":5055,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","sha256":"4e2470b80b94f172a5ffb882084fa2a3b9ab7b66d2086cdb7592d13597bd4ecc","filename":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Document is a two-page Commercial General Liability Declarations packet. Page 1 is the declarations page with limits and premium. Page 2 is the Forms and Endorsements Schedule listing six forms attached to the policy. Both pages carry the same policy number CGL 7204518-03. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-03","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","role":"primary","term":{"effective":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"expiration":{"value":"2027-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},"notes":"This is a primary commercial general liability policy. No attachment point, underlying schedule, retention, deductible, or self-insured retention is printed. No per-project aggregate endorsement appears in the forms schedule. The dropsDownOnUnderlyingExhaustion field is unknown because this is a primary policy and the concept does not apply; no language addressing it is present. The forms schedule appears complete on page 2 as provided.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"generalAggregate":{"value":2000000,"citation":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":1,"quote":"Personal and Advertising Injury Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":2000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},"carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["torvane-gl-declarations_standhope-mutual_CGL-7204518-03"],"namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-03","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"restrictions":[],"formsSchedule":[{"title":{"value":"Commercial General 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17","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Employment-Related Practices Exclusion","citation":{"page":2,"quote":"Employment-Related Practices Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"12 07","citation":{"page":2,"quote":"SM GL 21 47 12 07","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 21 47","citation":{"page":2,"quote":"SM GL 21 47","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Silica or Silica-Related Dust Exclusion","citation":{"page":2,"quote":"Silica or Silica-Related Dust Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"03 05","citation":{"page":2,"quote":"SM GL 21 96 03 05","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 21 96","citation":{"page":2,"quote":"SM GL 21 96","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Waiver of Transfer of Rights of Recovery Against Others to Us","citation":{"page":2,"quote":"Waiver of Transfer of Rights of Recovery Against Others to Us","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"05 09","citation":{"page":2,"quote":"SM GL 24 04 05 09","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 24 04","citation":{"page":2,"quote":"SM GL 24 04","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},{"title":{"value":"Disclosure Pursuant to Terrorism Risk Insurance Act","citation":{"page":2,"quote":"Disclosure Pursuant to Terrorism Risk Insurance Act","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"edition":{"value":"01 15","citation":{"page":2,"quote":"SM IL 09 85 01 15","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM IL 09 85","citation":{"page":2,"quote":"SM IL 09 85","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}}],"attachmentPoint":null,"retroactiveDate":null,"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":28,"failures":[],"notFound":0,"verified":28,"verifiedExact":28,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4906,"outputTokens":385,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12338,"outputTokens":1614,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4926,"outputTokens":495,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","sha256":"968c774a018ea6380feba013457935431d3eb25fd2b6f1d3cdb9ff0e37e7cede","filename":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"umbrella","type":"declarations","notes":"Two-page document: page 1 is the Commercial Umbrella Liability Declarations; page 2 is the Schedule of Underlying Insurance listing an underlying CGL policy (STANDHOPE MUTUAL INSURANCE COMPANY, Policy No. CGL 7204518-03). The document footer on both pages states it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form.","carrier":{"value":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY\n80 Pine Meadow Boulevard, Hartford, CT 06103","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.\n41 COMMERCE PARK DRIVE\nUTICA, NY 13502","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-03","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","role":"excess","term":{"effective":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"expiration":{"value":"2027-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}},"notes":"Role: The declarations page title reads 'COMMERCIAL UMBRELLA LIABILITY DECLARATIONS' and the policy language on page 1 states 'This policy provides coverage following the form of the underlying insurance shown in the Schedule of Underlying Insurance on page 2, and applies in excess of that underlying insurance.' The follow-form excess language ('following the form') and 'applies in excess of' phrasing led to classification as 'excess' rather than 'umbrella', though the title uses the word 'umbrella'. Downstream review of the actual policy form language would be needed to confirm this distinction. Attachment point: The schedule of underlying insurance lists a single underlying policy with a $1,000,000 Each Occurrence limit; the attachment point is inferred from the underlying schedule as printed, not from an explicit 'attachment point' field on the declarations. Confidence is medium because the declarations do not print an explicit attachment point figure separate from the underlying schedule. Forms schedule: No schedule of forms was found on the pages provided; these two pages appear to constitute the full declarations packet, but form endorsements may exist and not be included here. Defense inside limits and drops down: The provided pages contain no policy language on defense cost treatment or drop-down behavior; only the declarations pages were provided, and no form language was available to support a determination on these fields. The underlying schedule also lists a Products-Completed Operations Aggregate of $2,000,000 per page 2 ('$2,000,000 Products-Completed Operations Aggregate'); this is not captured in the underlyingSchedule item's generalAggregate field but is noted here for downstream use.","limits":{"eachOccurrence":{"value":10000000,"citation":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"per-occurrence","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"Self-Insured Retention (Any One Occurrence) $10,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}},"confidence":"medium","documentIds":["torvane-umbrella_quarrywood-specialty_XSU-3318842-03"],"namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-03","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"medium"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":2,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"coverage":{"value":"Commercial General Liability","citation":{"page":2,"quote":"Commercial General Liability","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"effective":{"value":"2026-03-01","citation":{"page":2,"quote":"03/01/2026 to 03/01/2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"expiration":{"value":"2027-03-01","citation":{"page":2,"quote":"03/01/2026 to 03/01/2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":2,"quote":"Policy No. CGL 7204518-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"generalAggregate":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 General Aggregate","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":16,"failures":[],"notFound":0,"verified":16,"verifiedExact":16,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5253,"outputTokens":370,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":7936,"outputTokens":1067,"cacheReadTokens":0,"cacheWriteTokens":1191}],"reRead":false,"lossRun":{"id":"torvane-loss-run_standhope-mutual_CGL-7204518-03","notes":"The summary table on page 1 prints two columns relevant to paid and reserves: 'Loss & Expense Reserves' ($655,000) and 'Losses & Expenses Paid' ($585,000). The schema fields paidLoss and paidExpense are not printed as separate combined figures in the summary; the report prints them only as component lines per claim on page 2. Per task instructions, no components were summed to fill paidLoss or paidExpense at the period level; those fields are omitted. The 'Losses & Expenses Paid' figure of $585,000 from the summary (page 1) is consistent with the 'Paid: $585,000' on the policy totals line (page 2); grandTotalPaid is cited to page 2 where the explicit 'Paid:' label appears. The policy term printed in the summary table runs through 03/01/2027, meaning the policy period extends beyond the valuation date of 08/01/2026; this is a current policy year, not a completed one. 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