{"id":"review-mt6m5571","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"meridian-first-excess_calder-shore-specialty_XS-118430","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218","pagesSwept":0,"pagesTotal":2,"pagesInFull":2}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted."],"unsatisfied":[],"expectations":[{"id":"expectation:xs-118430:gl-4471902","what":"Underlying policy GL 4471902 scheduled by XS 118430","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:txs-660214:xs-118430","what":"Underlying policy XS 118430 scheduled by TXS 660214","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:txs-660214:gl-4471902","what":"Underlying policy GL 4471902 scheduled by TXS 660214","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:hn-xs-30755:txs-660214","what":"Underlying policy TXS 660214 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},{"id":"expectation:hn-xs-30755:xs-118430","what":"Underlying policy XS 118430 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:hn-xs-30755:gl-4471902","what":"Underlying policy GL 4471902 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:pf-xl-90218:hn-xs-30755","what":"Underlying policy HN-XS-30755 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. HN-XS-30755","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},{"id":"expectation:pf-xl-90218:txs-660214","what":"Underlying policy TXS 660214 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},{"id":"expectation:pf-xl-90218:xs-118430","what":"Underlying policy XS 118430 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:pf-xl-90218:gl-4471902","what":"Underlying policy GL 4471902 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"}],"documentsRead":["meridian-gl-declarations_stonemarch-casualty_GL-4471902","meridian-first-excess_calder-shore-specialty_XS-118430","meridian-second-excess_thornwick-indemnity_TXS-660214","meridian-third-excess_havenbrook-national_HN-XS-30755","meridian-fourth-excess_pallenford-re_PF-XL-90218"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"pass","message":"No provision was found capping a coverage below the policy limit.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"cannot-determine","message":"No forms schedule was read on these policies, so there is nothing to check.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"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":null,"role":"primary","limit":2000000,"carrier":"STONEMARCH CASUALTY INSURANCE COMPANY","inTower":true,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"carrier":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: GL 4471902","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"productsCompletedOpsAggregate":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"}},"policyId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","effective":"2026-04-01","formBasis":"occurrence","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"GL 4471902","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":2000000,"productsCompletedOpsAggregate":4000000},{"line":null,"role":"excess","limit":10000000,"carrier":"CALDER SHORE SPECIALTY INSURANCE COMPANY","inTower":true,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"carrier":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: XS 118430","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"}},"policyId":"meridian-first-excess_calder-shore-specialty_XS-118430","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"XS 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$12,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"}},"policyId":"meridian-second-excess_thornwick-indemnity_TXS-660214","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"TXS 660214","scheduledOnly":false,"attachmentPoint":12000000,"exhaustionPoint":37000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"HAVENBROOK NATIONAL INSURANCE COMPANY","inTower":true,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"carrier":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: HN-XS-30755","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $37,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"}},"policyId":"meridian-third-excess_havenbrook-national_HN-XS-30755","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, 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$62,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"}},"policyId":"meridian-fourth-excess_pallenford-re_PF-XL-90218","effective":"2026-04-01","formBasis":"unknown","deductible":null,"expiration":"2027-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"PF-XL-90218","scheduledOnly":false,"attachmentPoint":62000000,"exhaustionPoint":102000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":40000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":102000000,"towerIssues":[],"restrictions":[],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":10,"formsWithNoRestrictionFound":0},"findings":[],"reviewId":"review-mt6m5571","decisions":[],"unanswered":[{"reason":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"},{"reason":"No forms schedule was read on these policies, so there is nothing to check.","questionId":"global.endorsements-restrict"},{"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-meridian-gl-declarations_stonemarch-casualty_GL-4471902-classifier","evidence":[],"statement":"meridian-gl-declarations_stonemarch-casualty_GL-4471902.pdf, from the classifier: Single-page commercial general liability declarations. The footer states this is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is fictitious. Renewal of GL 4471901 is noted on the same page.","packetComplete":false},{"id":"observation-meridian-first-excess_calder-shore-specialty_XS-118430-classifier","evidence":[],"statement":"meridian-first-excess_calder-shore-specialty_XS-118430.pdf, from the classifier: Two-page document: page 1 is the First Excess Liability Declarations; page 2 is the Schedule of Underlying Insurance, which lists one underlying policy (Stonemarch Casualty Insurance Company, Policy No. GL 4471902, 04/01/2026 to 04/01/2027). The document footer states it is a synthetic document written for the CoverageCheck product demonstration and that all companies, policies, and claims are fictitious.","packetComplete":false},{"id":"observation-meridian-second-excess_thornwick-indemnity_TXS-660214-classifier","evidence":[],"statement":"meridian-second-excess_thornwick-indemnity_TXS-660214.pdf, from the classifier: Two-page document: page 1 is the Second Excess Liability Declarations; page 2 is a Schedule of Underlying Insurance listing two underlying policies (Calder Shore Specialty Insurance Company, Policy No. XS 118430; Stonemarch Casualty Insurance Company, Policy No. GL 4471902). Both pages carry the same policy number TXS 660214. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","packetComplete":false},{"id":"observation-meridian-third-excess_havenbrook-national_HN-XS-30755-classifier","evidence":[],"statement":"meridian-third-excess_havenbrook-national_HN-XS-30755.pdf, from the classifier: Two-page document: page 1 is the Third Excess Liability Declarations with limits and attachment point; page 2 is the Schedule of Underlying Insurance listing three underlying carriers (THORNWICK INDEMNITY COMPANY Policy No. TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY Policy No. XS 118430, and STONEMARCH CASUALTY INSURANCE COMPANY Policy No. GL 4471902). The document footer states it is a synthetic document written for the CoverageCheck product demonstration and that all companies, policies, and claims are fictitious.","packetComplete":false},{"id":"observation-meridian-fourth-excess_pallenford-re_PF-XL-90218-classifier","evidence":[],"statement":"meridian-fourth-excess_pallenford-re_PF-XL-90218.pdf, from the classifier: Two-page document: page 1 is the Fourth Excess Liability Declarations with limits and attachment point; page 2 is the Schedule of Underlying Insurance listing four underlying carriers (HAVENBROOK NATIONAL INSURANCE COMPANY policy HN-XS-30755, THORNWICK INDEMNITY COMPANY policy TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY policy XS 118430, and STONEMARCH CASUALTY INSURANCE COMPANY policy GL 4471902). The document is explicitly marked as a synthetic demonstration document, not a carrier form, with all companies and policies stated to be fictitious.","packetComplete":false},{"id":"observation-meridian-second-excess_thornwick-indemnity_TXS-660214-sweep-losses","evidence":[],"statement":"meridian-second-excess_thornwick-indemnity_TXS-660214.pdf: of the 2 pages searched for provisions and schedule entries, 2 pages could not be read ([\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      0,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  },\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      1,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  }\n]). A restriction printed on one of those pages would not appear here.","packetComplete":false},{"id":"observation-meridian-third-excess_havenbrook-national_HN-XS-30755-sweep-losses","evidence":[],"statement":"meridian-third-excess_havenbrook-national_HN-XS-30755.pdf: of the 2 pages searched for provisions and schedule entries, 2 pages could not be read ([\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      0,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  },\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      1,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  },\n  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      2,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  }\n]). 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A restriction printed on one of those pages would not appear here.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":3114,"outputTokens":307,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":10546,"outputTokens":923,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4691,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","sha256":"72793bbf6ebbcd7fab2baf6aa3996f1a504f9e19ff4843c42e30bd2f3308a6a8","filename":"meridian-gl-declarations_stonemarch-casualty_GL-4471902.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Single-page commercial general liability declarations. The footer states this is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is fictitious. 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No schedule of underlying insurance is present, consistent with primary role. No schedule of forms was found on the page provided; whether endorsements are attached cannot be determined from this page alone. No retention or deductible is printed. No per-project aggregate endorsement is referenced on this page. 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