{"id":"review-mt767d1k","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"austin-excess-liability_starr-indemnity_1000588272231","pagesSwept":16,"pagesTotal":46,"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 XSM G47398137 001 scheduled by 1000588272231; Underlying policy TB5-661-067424-023 scheduled by 1000588272231; Underlying policy WA5-66D-067424-013 scheduled by 1000588272231; Underlying policy 140000976 scheduled by 1000588272231; Underlying policy 0313-7437 scheduled by 1000588272231. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"expectations":[{"id":"expectation:1000588272231:xsm-g47398137-001","what":"Underlying policy XSM G47398137 001 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:tb5-661-067424-023","what":"Underlying policy TB5-661-067424-023 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:wa5-66d-067424-013","what":"Underlying policy WA5-66D-067424-013 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:140000976","what":"Underlying policy 140000976 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:0313-7437","what":"Underlying policy 0313-7437 scheduled by 1000588272231","basis":"cited","source":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null}],"documentsRead":["austin-excess-liability_starr-indemnity_1000588272231"]},"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":"fail","message":"At least one layer pays defense costs inside the limits. Legal spend erodes the same money that pays the loss, so the stated limit is not what is available at the end of a contested 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":"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":"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":"Employers Liability","role":"unknown","limit":1000000,"carrier":"LM Insurance Corp.","inTower":false,"sources":{"limit":{"page":12,"quote":"$1,000,000 Each Accident","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-2","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2026-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"WA5-66D-067424-013","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":"General Liability","role":"unknown","limit":2000000,"carrier":"LM Insurance Corp.","inTower":true,"sources":{"limit":{"page":12,"quote":"$2,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$4,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-1","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"TB5-661-067424-023","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Excess Liability","role":"unknown","limit":5000000,"carrier":"QBE Insurance Corp.","inTower":true,"sources":{"limit":{"page":12,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: QBE Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-3","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"140000976","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Excess Liability","role":"unknown","limit":5000000,"carrier":"Allied World Specialty Ins Co.","inTower":true,"sources":{"limit":{"page":13,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":13,"quote":"Carrier: Allied World Specialty Ins Co.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":13,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-4","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"0313-7437","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Excess Liability","role":"unknown","limit":15000000,"carrier":"Indem Ins Co. of North America","inTower":true,"sources":{"limit":{"page":12,"quote":"$15,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: Indem Ins Co. of North America","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$15,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-0","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"XSM G47398137 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Liability\nCarrier: LM Insurance Corp.\nPolicy No.: TB5-661-067424-023\nPolicy Period: 04/03/2023 - 04/03/2029\n$2,000,000 Each Occurrence Limit\n$4,000,000 Other Aggregate Limit\n$4,000,000 Products-Completed Operations Aggregate Limit\n\nCoverage: Employers Liability\nCarrier: LM Insurance Corp.\nPolicy No.: WA5-66D-067424-013\nPolicy Period: 04/03/2023 - 04/03/2026\n$1,000,000 Each Accident\n$1,000,000 Disease - Each Employee Limit\n$1,000,000 Disease - Policy Limit\n\nCoverage: Excess Liability\nCarrier: QBE Insurance Corp.\nPolicy No.: 140000976\nPolicy Period: 04/03/2023 - 04/03/2029\n$5,000,000 Each Occurrence Limit\n$5,000,000 Other Aggregate Limit\n$5,000,000 Products-Completed Operations Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"productsCompletedOpsAggregate":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","effective":"2023-04-03","formBasis":"occurrence","deductible":null,"expiration":"2029-04-03","formNumbers":["PNSI 014 TX","CLAIMS RPT","SIPN 018","SIPN-002 03 21","XS 360 TX","XS 101 TX D","SIIL-0001 01 22","XS 102","XS 100","XS 301 TX","XS 331 TX","XS 104","XS 113","XS 134 TX","XS 143","XS 149","XS 342","XS 343","SIXS-0341 01 22","XS 374","XS 395","XS-416"],"namedInsured":"City of Austin","policyNumber":"1000588272231","scheduledOnly":false,"attachmentPoint":27000000,"exhaustionPoint":52000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"yes","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":52000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names XSM G47398137 001, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names TB5-661-067424-023, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names WA5-66D-067424-013, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 140000976, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-3"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 0313-7437, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-4"]},{"kind":"attachment-gap","amount":12000000,"detail":"Coverage beneath 1000588272231 exhausts at 15,000,000 but it does not begin paying until 27,000,000. The insured carries that band.","layerPolicyIds":["scheduled-1","scheduled-3","scheduled-4","scheduled-0","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2029-04-03 on TB5-661-067424-023, 2023-04-03 to 2026-04-03 on WA5-66D-067424-013), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-1","scheduled-2"]}],"restrictions":[{"label":"Defense Condition","where":"endorsement","source":"policy-language","citation":{"page":31,"quote":"Defense Condition Amendment","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 143","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","source":"policy-language","citation":{"page":33,"quote":"This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof, or any substantially similar system or any part thereof","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 149","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 342","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses","where":"endorsement","source":"policy-language","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 343","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":37,"quote":"\"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"SIXS-0341","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":40,"quote":"\"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 395","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","source":"policy-language","citation":{"page":41,"quote":"This insurance does not apply to: Cannabis 1. \"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS-416","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":21,"quote":"A. Asbestos 1. \"Ultimate Net Loss\" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of or exposure to asbestos, asbestos products, asbestos fibers or asbestos dust","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS – 360 TX","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Auto Coverages Exclusion","where":"base-form","source":"policy-language","citation":{"page":23,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 100","alsoProvisions":["Nuclear Exclusion","Pollution Exclusion","Workers Compensation and Similar Laws Exclusion"],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception and a Hostile Fire Exception","where":"endorsement","source":"policy-language","citation":{"page":27,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 104","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Continuing or Progressively Deteriorating Damages","where":"endorsement","source":"policy-language","citation":{"page":30,"quote":"In the event of continuing or progressively deteriorating damage, such damage shall be deemed to occur only when such damage becomes known to the insured. If the damage first becomes known to the insured during the Policy Period, our Limits of Insurance in effect at the time of such knowledge shall be the only limits that apply.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 134 TX","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"yes","underlyingScheduleCount":5,"formsWithNoRestrictionFound":20},"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":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"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":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"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":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}],"dependsOn":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"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.defense-outside-limits","layer":"global","impact":"Are defense costs payable in addition to the limits?","ruleId":"global.defense-outside-limits","degraded":true,"evidence":[],"dependsOn":[],"statement":"At least one layer pays defense costs inside the limits. Legal spend erodes the same money that pays the loss, so the stated limit is not what is available at the end of a contested claim.","ruleVersion":"fea2836950cd"},{"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-mt767d1k","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 16 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-austin-excess-liability_starr-indemnity_1000588272231-classifier","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf, from the classifier: This is a complete policy packet for a Commercial Excess Liability policy, policy number 1000588272231, issued by Starr Indemnity & Liability Company to City of Austin. The packet contains: policyholder notices (pages 1-5), a Texas Policyholder Notice - Asbestos Exclusion that names the policy number (page 6), the Excess Liability Declarations pages (pages 7-9), a TRIA disclosure endorsement (pages 10-11), the Schedule of Underlying Insurance (pages 12-13), the Excess Liability Policy Form XS-100 (pages 14-23), and several endorsements (pages 24-30). The dominant document is the declarations (pages 7-9, form XS-101-D TX). The policy period runs from April 3, 2023 to April 3, 2029. The Item 6 premium schedule on page 8 is blank (no dollar amounts printed). The document represents a single policy.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-citations","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: 125 of 126 figures were confirmed against the page they cite. The remaining 1 could not be, so it is the reader's word rather than the document's. Nothing else in this reading depends on it.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-truncated","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: pages 1 to 30 were read in full, and all 46 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. 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":62955,"outputTokens":479,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":70387,"outputTokens":8937,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24531,"outputTokens":4140,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4629,"outputTokens":180,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"austin-excess-liability_starr-indemnity_1000588272231","sha256":"d65afe97490a408aab228f36fcacb61738212beee8f3f047880515a6a61bf3c3","filename":"austin-excess-liability_starr-indemnity_1000588272231.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"This is a complete policy packet for a Commercial Excess Liability policy, policy number 1000588272231, issued by Starr Indemnity & Liability Company to City of Austin. The packet contains: policyholder notices (pages 1-5), a Texas Policyholder Notice - Asbestos Exclusion that names the policy number (page 6), the Excess Liability Declarations pages (pages 7-9), a TRIA disclosure endorsement (pages 10-11), the Schedule of Underlying Insurance (pages 12-13), the Excess Liability Policy Form XS-100 (pages 14-23), and several endorsements (pages 24-30). The dominant document is the declarations (pages 7-9, form XS-101-D TX). The policy period runs from April 3, 2023 to April 3, 2029. The Item 6 premium schedule on page 8 is blank (no dollar amounts printed). The document represents a single policy.","carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"pageCount":46,"confidence":"high","namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":46,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"austin-excess-liability_starr-indemnity_1000588272231","role":"excess","term":{"effective":{"value":"2023-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"expiration":{"value":"2029-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"notes":"1. The attachment point field is not printed as a single sum in the declarations. The schedule of underlying insurance (pages 12-13) lists the underlying policies: LM Insurance Corp. General Liability ($2,000,000 each occurrence), LM Insurance Corp. Employers Liability ($1,000,000 each accident), QBE Insurance Corp. Excess Liability ($5,000,000 each occurrence), Allied World Specialty Ins Co. Excess Liability ($5,000,000 each occurrence), and Indem Ins Co. of North America Excess Liability ($15,000,000 each occurrence). No single attachment point figure is printed; the value in this record is not transcribed from the document and should not be used for tower calculations. The attachmentPoint field has been populated with a placeholder citation only; it should be treated as null for purposes of downstream processing.\n2. The form basis is stated as occurrence for the primary policy; however, page 9 notes: 'IF THE FIRST UNDERLYING INSURANCE POLICY(IES) PROVIDE COVERAGE ON A CLAIMS-MADE BASIS, THIS POLICY ALSO APPLIES ON A CLAIMS-MADE BASIS.' The first underlying (Indem Ins Co. of North America) policy form basis is not provided in this packet, so the form basis of this excess policy cannot be determined with certainty from the documents provided. The declared basis has been recorded as 'occurrence' because no claims-made trigger was activated by the documents provided.\n3. Defense inside limits: The Ultimate Net Loss definition conditionally includes defense costs when underlying insurance includes them within limits. The endorsement XS 143 (Defense Condition Amendment) is listed in the forms schedule but its text was not provided in the packet. The reading above is based on the base form language on page 17; XS 143 may modify this result.\n4. The Employers Liability row (WA5-66D-067424-013) expires 04/03/2026, which is earlier than the Starr policy expiration of 04/03/2029. This gap is noted but not resolved here.\n5. The attachment point cannot be correctly transcribed from the document as a single printed figure; the value shown is a reading note only.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":7,"quote":"A. $ 25,000,000 Each Occurrence","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["austin-excess-liability_starr-indemnity_1000588272231"],"namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"restrictions":[{"label":"Defense Condition","where":"endorsement","citation":{"page":31,"quote":"Defense Condition Amendment","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 143","carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","citation":{"page":33,"quote":"This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof, or any substantially similar system or any part thereof","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 149","carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 342","carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses","where":"endorsement","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 343","carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","citation":{"page":37,"quote":"\"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"SIXS-0341","carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":40,"quote":"\"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 395","carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","citation":{"page":41,"quote":"This insurance does not apply to: Cannabis 1. \"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS-416","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","citation":{"page":6,"quote":"NO COVERAGE IS PROVIDED FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS OR ANY OBLIGATION TO INDEMNIFY OTHERS FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS – 360 TX","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"base-form","citation":{"page":21,"quote":"A. Asbestos 1. \"Ultimate Net Loss\" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of or exposure to asbestos, asbestos products, asbestos fibers or asbestos dust","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS – 360 TX","carrierNoticedReduction":false},{"label":"Auto Coverages Exclusion","where":"base-form","citation":{"page":21,"quote":"B. Auto Coverages \"Ultimate Net Loss\" arising out of or resulting from any first party physical damage coverage; no- fault law; personal injury protection or auto medical payments coverage; or uninsured or underinsured motorist law.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Nuclear Exclusion","where":"base-form","citation":{"page":22,"quote":"C. Nuclear \"Ultimate Net Loss\": 1. a. With respect to which the Insured is also an Insured under a nuclear energy liability policy","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Pollution Exclusion","where":"base-form","citation":{"page":23,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception and a Hostile Fire Exception","where":"endorsement","citation":{"page":27,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 104","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws Exclusion","where":"base-form","citation":{"page":23,"quote":"E. Workers Compensation and Similar Laws \"Ultimate Net Loss\" for any obligation of the Insured under any worker's compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100","carrierNoticedReduction":false},{"label":"Continuing or Progressively Deteriorating Damages","where":"endorsement","citation":{"page":30,"quote":"In the event of continuing or progressively deteriorating damage, such damage shall be deemed to occur only when such damage becomes known to the insured. If the damage first becomes known to the insured during the Policy Period, our Limits of Insurance in effect at the time of such knowledge shall be the only limits that apply.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 134 TX","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Important Notice To Texas Policyholders","citation":{"page":8,"quote":"Important Notice To Texas Policyholders PNSI 014 TX (07/16)","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"edition":{"value":"07/16","citation":{"page":8,"quote":"PNSI 014 TX (07/16)","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"formNumber":{"value":"PNSI 014 TX","citation":{"page":8,"quote":"Important Notice To Texas Policyholders PNSI 014 TX (07/16)","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},{"title":{"value":"Claim 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