{"id":"review-mt765u22","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":"unknown","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-mt765u22","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 packet: page 1 is the Commercial General Liability Declarations and page 2 is the Forms and Endorsements Schedule. Classified as declarations because page 1 carries the named insured, policy number, policy period, and limits table. Page 2 (schedule of forms) is part of the same packet. The footer on both pages states this is a synthetic document written for a product demonstration and that every company, policy, and claim shown 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: Page 1 is the Commercial Umbrella Liability Declarations for policy XSU 3318842-03. Page 2 is the Schedule of Underlying Insurance, which lists a Commercial General Liability policy (CGL 7204518-03) with Standhope Mutual Insurance Company as the underlying policy. The Schedule of Underlying Insurance is part of this declarations packet, not a standalone document. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","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: Document is a two-page business loss run current as of 08/01/2026, covering one policy period (03/01/2026 - 03/01/2027) with four GL Premises/Operations claims, all located in Utica, NY. The footer on both pages states this is a synthetic document written for the CoverageCheck 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":363,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12469,"outputTokens":2130,"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 packet: page 1 is the Commercial General Liability Declarations and page 2 is the Forms and Endorsements Schedule. 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No attachment point applies. No schedule of underlying insurance is present, which is expected for a primary policy. No retention (deductible or SIR) is printed on the declarations page. The dropsDownOnUnderlyingExhaustion field is unknown because this is a primary policy with no underlying; the question is not applicable and the policy language was not provided. The perProjectAggregate limit is not printed; no designated construction project aggregate endorsement appears in the forms schedule.","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 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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 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1 is the Commercial Umbrella Liability Declarations for policy XSU 3318842-03. Page 2 is the Schedule of Underlying Insurance, which lists a Commercial General Liability policy (CGL 7204518-03) with Standhope Mutual Insurance Company as the underlying policy. The Schedule of Underlying Insurance is part of this declarations packet, not a standalone document. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","carrier":{"value":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","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.","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' but 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,' and page 2 repeats 'The insurance afforded by this policy applies in excess of the underlying insurance scheduled above.' The follow-form language and 'in excess of' phrasing is characteristic of a follow-form excess policy rather than a true umbrella; role is returned as 'excess' based on the operative language, with medium confidence due to the 'umbrella' in the title. Attachment point: The schedule shows only one underlying policy with a $1,000,000 each occurrence limit; the attachment point is transcribed from that printed figure rather than computed. The schedule also prints a $2,000,000 Products-Completed Operations Aggregate which is noted in the underlying schedule row but is not separately extracted into a schema field for the underlying row. The products-completed ops aggregate for the umbrella/excess policy itself is not printed on the declarations. No schedule of forms was provided on either page. 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