{"id":"review-mt769q0b","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},{"documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902","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","meridian-loss-run_stonemarch-casualty_GL-4471902"]},"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":"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":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":{"amount":1454000,"figure":"total-incurred","asOfDate":"09/01/2026","citation":{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"joinDeterminedByPerson":false,"remainingGeneralAggregate":2546000},"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 118430","scheduledOnly":false,"attachmentPoint":2000000,"exhaustionPoint":12000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"THORNWICK INDEMNITY COMPANY","inTower":true,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"carrier":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: TXS 660214","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $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, LLC","policyNumber":"HN-XS-30755","scheduledOnly":false,"attachmentPoint":37000000,"exhaustionPoint":62000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":40000000,"carrier":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","inTower":true,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"carrier":{"page":1,"quote":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PF-XL-90218","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $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":"loss-run","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":1454000,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":10,"formsWithNoRestrictionFound":0},"findings":[],"reviewId":"review-mt769q0b","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"}],"observations":[{"id":"observation-meridian-loss-run_stonemarch-casualty_GL-4471902-erosion","evidence":[{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"}],"statement":"meridian-loss-run_stonemarch-casualty_GL-4471902.pdf, valued 09/01/2026, erodes the GL 4471902 general aggregate by $1,454,000 of incurred losses: $2,546,000 of the printed $4,000,000 remains. Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"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. Policy is a renewal of GL 4471901, which is also printed on the page. The footer states this is a synthetic document created for product demonstration purposes; all entities are fictitious.","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 with limits and attachment point; page 2 is the Schedule of Underlying Insurance listing the underlying CGL policy (Stonemarch Casualty Insurance Company, Policy No. GL 4471902). Both pages bear the same policy number XS 118430. The footer on both pages states this is a synthetic document written for the CoverageCheck product demonstration and is 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 with limits and attachment point; page 2 is a Schedule of Underlying Insurance listing two underlying policies (Calder Shore Specialty Insurance Company Policy No. XS 118430 and 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 that every company, policy, and claim shown 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 (limits table and attachment point); page 2 is the Schedule of Underlying Insurance listing three underlying carriers and policies (THORNWICK INDEMNITY COMPANY / TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY / XS 118430, STONEMARCH CASUALTY INSURANCE COMPANY / GL 4471902). The document is classified as declarations because it names the insured, carrier, policy number, term, and limits. Page 2 functions as an attached underlying-insurance schedule, not a standalone schedule-of-forms. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is 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 a Schedule of Underlying Insurance listing four underlying carriers (HAVENBROOK NATIONAL INSURANCE COMPANY Policy No. HN-XS-30755, THORNWICK INDEMNITY COMPANY Policy No. TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY Policy No. XS 118430, STONEMARCH CASUALTY INSURANCE COMPANY Policy No. GL 4471902). The document is labeled a synthetic/fictitious document for demonstration purposes.","packetComplete":false},{"id":"observation-meridian-loss-run_stonemarch-casualty_GL-4471902-classifier","evidence":[],"statement":"meridian-loss-run_stonemarch-casualty_GL-4471902.pdf, from the classifier: Two-page loss run covering policy term 04/01/2026–04/01/2027. Page 1 is the summary; page 2 is the claim detail. All four claims are GL Premises/Operations type, all located in Columbus, OH. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is 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]). A restriction printed on one of those pages would not appear here.","packetComplete":false},{"id":"observation-meridian-fourth-excess_pallenford-re_PF-XL-90218-sweep-losses","evidence":[],"statement":"meridian-fourth-excess_pallenford-re_PF-XL-90218.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  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      3,\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}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":3114,"outputTokens":299,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":10546,"outputTokens":952,"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. Policy is a renewal of GL 4471901, which is also printed on the page. The footer states this is a synthetic document created for product demonstration purposes; all entities are fictitious.","carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"pageCount":1,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"POLICY NUMBER: GL 4471902","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":1,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","role":"primary","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"}},"notes":"This is a primary CGL declarations page. No schedule of underlying insurance is present, consistent with a primary policy. No schedule of forms was found on the page provided; forms may exist but were not included in this extract. No retention or deductible is printed. The per-project aggregate endorsement is not mentioned on this declarations page. The drops-down field is not applicable to a primary policy but is returned as unknown because the page does not address it. The document footer states this is a synthetic document written for the CoverageCheck product demonstration.","limits":{"eachOccurrence":{"value":2000000,"citation":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":2000000,"citation":{"page":1,"quote":"Personal and Advertising Injury Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":4000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"}},"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["meridian-gl-declarations_stonemarch-casualty_GL-4471902"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"POLICY NUMBER: GL 4471902","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":null,"retroactiveDate":null,"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":10,"failures":[],"notFound":0,"verified":10,"verifiedExact":10,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4827,"outputTokens":349,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12259,"outputTokens":1462,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4849,"outputTokens":520,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-first-excess_calder-shore-specialty_XS-118430","sha256":"7ba4a93c7465892cb1d90ad14d46578658e74dea1dfb271ac247cfdf489ccc9a","filename":"meridian-first-excess_calder-shore-specialty_XS-118430.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the First Excess Liability Declarations with limits and attachment point; page 2 is the Schedule of Underlying Insurance listing the underlying CGL policy (Stonemarch Casualty Insurance Company, Policy No. GL 4471902). Both pages bear the same policy number XS 118430. The footer on both pages states this is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":1,"quote":"POLICY NUMBER: XS 118430","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-first-excess_calder-shore-specialty_XS-118430","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"}},"notes":"The declarations page identifies this as a 'FIRST EXCESS LIABILITY' policy that 'follows its form,' confirming the excess role. No form basis (occurrence vs. claims-made) is printed on the pages provided. No schedule of forms appears on either page provided; the policy form language itself was not provided, so defense-inside-limits and drops-down-on-exhaustion cannot be determined from the text given. The underlying schedule lists only one carrier (Stonemarch Casualty) with a products-completed ops aggregate of $4,000,000 also printed; that figure is not captured in the schema's underlyingSchedule generalAggregate field, which I have used for the general aggregate. The coverage label for the underlying row is inferred from the structure of the limits printed (each occurrence, general aggregate, products-completed ops aggregate), which is consistent with commercial general liability; the schedule prints no explicit coverage column or heading, so confidence on that field is medium. No retention (deductible or SIR) is printed on either page.","limits":{"eachOccurrence":{"value":10000000,"citation":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-first-excess_calder-shore-specialty_XS-118430"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":1,"quote":"POLICY NUMBER: XS 118430","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":2000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"coverage":{"value":"Commercial General Liability","citation":{"page":2,"quote":"$2,000,000 Each Occurrence\n$4,000,000 General Aggregate\n$4,000,000 Products-Completed Operations Aggregate","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"medium"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":15,"failures":[],"notFound":0,"verified":15,"verifiedExact":15,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4870,"outputTokens":413,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12302,"outputTokens":1911,"cacheReadTokens":2134,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-second-excess_thornwick-indemnity_TXS-660214","sha256":"225fcca1f0a9f7e7e25a422c433af923ca58a7cd678b1555f218cff98e180417","filename":"meridian-second-excess_thornwick-indemnity_TXS-660214.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the Second Excess Liability Declarations with limits and attachment point; page 2 is a Schedule of Underlying Insurance listing two underlying policies (Calder Shore Specialty Insurance Company Policy No. XS 118430 and 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 that every company, policy, and claim shown is fictitious.","carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY\n2100 Lakeshore Center, Chicago, IL 60601","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":1,"quote":"POLICY NUMBER: TXS 660214","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":"[\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]","failedPages":2,"timedOutPages":0},"extraction":{"id":"meridian-second-excess_thornwick-indemnity_TXS-660214","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}},"notes":"The declarations page is titled 'SECOND EXCESS LIABILITY DECLARATIONS' and the policy states it 'follows its form,' confirming excess follow-form role. No schedule of forms appears on either page provided; the policy form and any endorsements were not included. Coverage line of business labels are not printed in the underlying schedule — no heading or Coverage column is present for either underlying row; coverage has been noted as unknown for both rows. The form basis (occurrence vs. claims-made) is not stated on the declarations pages provided. Defense-inside-limits and drops-down fields cannot be determined from the pages provided, as no policy form language was included. No retention, deductible, or SIR is printed. The Calder Shore row prints 'Aggregate' without the word 'General'; transcribed as printed.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-second-excess_thornwick-indemnity_TXS-660214"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":1,"quote":"POLICY NUMBER: TXS 660214","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":12000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $12,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"coverage":{"value":"unknown","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY\nPolicy No. XS 118430\n04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"low"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"eachOccurrence":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}},{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"coverage":{"value":"unknown","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY\nPolicy No. GL 4471902\n04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"low"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":22,"failures":[],"notFound":0,"verified":22,"verifiedExact":22,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4929,"outputTokens":459,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12361,"outputTokens":2475,"cacheReadTokens":2134,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-third-excess_havenbrook-national_HN-XS-30755","sha256":"6953f19a79f01e0fe5c2de897ba0c1faa7e678b4bed7b9f3ea6265bb7b653082","filename":"meridian-third-excess_havenbrook-national_HN-XS-30755.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the Third Excess Liability Declarations (limits table and attachment point); page 2 is the Schedule of Underlying Insurance listing three underlying carriers and policies (THORNWICK INDEMNITY COMPANY / TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY / XS 118430, STONEMARCH CASUALTY INSURANCE COMPANY / GL 4471902). The document is classified as declarations because it names the insured, carrier, policy number, term, and limits. Page 2 functions as an attached underlying-insurance schedule, not a standalone schedule-of-forms. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","carrier":{"value":"HAVENBROOK NATIONAL INSURANCE COMPANY","citation":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY\n450 Commerce Tower, Kansas City, MO 64106","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"HN-XS-30755","citation":{"page":1,"quote":"POLICY NUMBER: HN-XS-30755","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":"[\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]","failedPages":2,"timedOutPages":0},"extraction":{"id":"meridian-third-excess_havenbrook-national_HN-XS-30755","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}},"notes":"This is a two-page declarations document only; no policy form, endorsements, or schedule of forms was provided. formBasis cannot be determined from the declarations page alone. Coverage labels for the three underlying schedule rows are not printed; the schedule provides no heading or coverage column, so coverage is null for all three rows. The role is excess based on the document title 'THIRD EXCESS LIABILITY DECLARATIONS' and the language 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form.' defenseInsideLimits and dropsDownOnUnderlyingExhaustion cannot be determined without the policy form language, which was not provided. The attachment point of $37,000,000 is printed as 'Total Underlying Limits'; note that the sum of each occurrence limits across the three underlying rows as printed is $37,000,000 ($25M + $10M + $2M), but no arithmetic was performed to derive the attachment point value — it is transcribed as printed. No schedule of forms was found on the pages provided; the declarations do not include a forms schedule section. The Stonemarch Casualty row prints 'Aggregate' for the first two underlying policies and 'General Aggregate' for the third; these are transcribed as printed.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"HAVENBROOK NATIONAL INSURANCE COMPANY","citation":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-third-excess_havenbrook-national_HN-XS-30755"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"HN-XS-30755","citation":{"page":1,"quote":"POLICY NUMBER: HN-XS-30755","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":37000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $37,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":2,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"coverage":{"value":"unknown","citation":{"page":2,"quote":"THORNWICK INDEMNITY COMPANY\nPolicy No. TXS 660214\n04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"low"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Aggregate","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}},{"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"coverage":{"value":"unknown","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY\nPolicy No. XS 118430\n04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"low"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"eachOccurrence":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}},{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"coverage":{"value":"unknown","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY\nPolicy No. GL 4471902\n04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"low"},"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":29,"failures":[],"notFound":0,"verified":29,"verifiedExact":29,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4993,"outputTokens":433,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12425,"outputTokens":2603,"cacheReadTokens":2134,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-fourth-excess_pallenford-re_PF-XL-90218","sha256":"1433857e876bba6c316a06eb572f8dfd89a09d3fbd0b4335cdf706ab7fb3204c","filename":"meridian-fourth-excess_pallenford-re_PF-XL-90218.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the Fourth Excess Liability Declarations with limits and attachment point; page 2 is a Schedule of Underlying Insurance listing four underlying carriers (HAVENBROOK NATIONAL INSURANCE COMPANY Policy No. HN-XS-30755, THORNWICK INDEMNITY COMPANY Policy No. TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY Policy No. XS 118430, STONEMARCH CASUALTY INSURANCE COMPANY Policy No. GL 4471902). The document is labeled a synthetic/fictitious document for demonstration purposes.","carrier":{"value":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"PALLENFORD RE SPECIALTY INSURANCE COMPANY\n1 Harborline Plaza, Hartford, CT 06103","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"PF-XL-90218","citation":{"page":1,"quote":"POLICY NUMBER: PF-XL-90218","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":"[\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  {\n    \"expected\": \"string\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      3,\n      \"coverage\",\n      \"value\"\n    ],\n    \"message\": \"Invalid input\"\n  }\n]","failedPages":2,"timedOutPages":0},"extraction":{"id":"meridian-fourth-excess_pallenford-re_PF-XL-90218","role":"excess","term":{"effective":{"value":"2026-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2026 TO APRIL 1, 2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},"notes":"No schedule of forms was found on either page provided. The declarations page states 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form,' indicating follow-form excess treatment, but the underlying form(s) were not provided; defenseInsideLimits and dropsDownOnUnderlyingExhaustion cannot be determined from these pages alone. formBasis is unknown as neither 'occurrence' nor 'claims-made' is printed on the declarations. No retention or deductible is printed. The schedule of underlying insurance does not print a coverage type column or headings, so coverage fields for each underlying row are omitted. The Aggregate Limit on this policy ($40,000,000) is labeled 'Aggregate Limit' rather than 'General Aggregate'; it is transcribed as generalAggregate as printed but the label distinction is noted. The STONEMARCH CASUALTY row prints a General Aggregate distinct from the three rows above it which print only 'Aggregate'; this asymmetry is noted for downstream review.","limits":{"eachOccurrence":{"value":40000000,"citation":{"page":1,"quote":"Each Occurrence Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":40000000,"citation":{"page":1,"quote":"Aggregate Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"formBasis":"unknown","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["meridian-fourth-excess_pallenford-re_PF-XL-90218"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC\n1400 QUARRY BEND ROAD\nCOLUMBUS, OH 43215","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"PF-XL-90218","citation":{"page":1,"quote":"POLICY NUMBER: PF-XL-90218","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":62000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $62,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"HAVENBROOK NATIONAL INSURANCE COMPANY","citation":{"page":2,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"coverage":null,"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"HN-XS-30755","citation":{"page":2,"quote":"Policy No. HN-XS-30755","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},{"carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":2,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"coverage":null,"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"TXS 660214","citation":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":2,"quote":"$25,000,000 Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},{"carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"coverage":null,"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"XS 118430","citation":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}},{"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"coverage":null,"effective":{"value":"2026-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"expiration":{"value":"2027-04-01","citation":{"page":2,"quote":"04/01/2026 to 04/01/2027","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":32,"failures":[],"notFound":0,"verified":32,"verifiedExact":32,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5235,"outputTokens":365,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":7918,"outputTokens":1039,"cacheReadTokens":0,"cacheWriteTokens":1191}],"reRead":false,"lossRun":{"id":"meridian-loss-run_stonemarch-casualty_GL-4471902","notes":"The summary table on page 1 prints columns labeled 'Loss & Expense Reserves' ($825,000), 'Losses & Expenses Paid' ($629,000), and 'Total Incurred' ($1,454,000). The schema fields paidLoss and paidExpense are not separately printed in the summary table; they appear only at the individual claim level on page 2. Because the schema asks for period-level figures and the period-level row does not separately break out paid loss from paid expense, those fields are omitted rather than derived by summing claim-level components. The 'Losses & Expenses Paid' figure of $629,000 is the closest printed match to a combined paid figure for the period; it is captured in grandTotalPaid citing the page 2 policy totals row, which repeats the same figure. The outstandingReserves field for the period is populated from the 'Loss & Expense Reserves' column ($825,000) as printed; the report's own label is 'Loss & Expense Reserves.' The document is identified as a synthetic demonstration document, not a carrier form.","carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"periods":[{"paidLoss":null,"effective":{"value":"04/01/2026","citation":{"page":1,"quote":"04/01/2026 - 04/01/2027","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"claimCount":4,"expiration":{"value":"04/01/2027","citation":{"page":1,"quote":"04/01/2026 - 04/01/2027","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"paidExpense":null,"totalIncurred":{"value":1454000,"citation":{"page":1,"quote":"$1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"outstandingReserves":{"value":825000,"citation":{"page":1,"quote":"$825,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"}}],"asOfDate":{"value":"09/01/2026","citation":{"page":1,"quote":"Current As of Date: 09/01/2026","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"confidence":"high","documentIds":["meridian-loss-run_stonemarch-casualty_GL-4471902"],"insuredName":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"Insured Name: MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"GL 4471902","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"grandTotalPaid":{"value":629000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"grandTotalIncurred":{"value":1454000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $825,000   Paid: $629,000   Total Incurred: $1,454,000","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"}},"document":{"id":"meridian-loss-run_stonemarch-casualty_GL-4471902","sha256":"f7675cdc8207738b92b0dd3eb6242a39049ee83cbdee693234186d8b91d32fcd","filename":"meridian-loss-run_stonemarch-casualty_GL-4471902.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"loss-run","notes":"Two-page loss run covering policy term 04/01/2026–04/01/2027. Page 1 is the summary; page 2 is the claim detail. All four claims are GL Premises/Operations type, all located in Columbus, OH. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is fictitious.","carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"Insured Name: MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"},"policyNumber":{"value":"GL 4471902","citation":{"page":1,"quote":"GL 4471902   04/01/2026 – 04/01/2027GL","documentId":"meridian-loss-run_stonemarch-casualty_GL-4471902"},"confidence":"high"}}},"deepSweep":null,"extraction":null,"needsHuman":null,"citationAudit":{"total":10,"failures":[],"notFound":0,"verified":10,"verifiedExact":10,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]}],"totalUsage":{"inputTokens":105319,"outputTokens":13307,"cacheReadTokens":17840,"cacheWriteTokens":1191},"instructionVersions":{"reasoning/posture.md":"93456a16a26b","extraction/classify-document.md":"1cce3142702d","extraction/loss-run-extraction.md":"6e7c57637027","extraction/declarations-extraction.md":"4b5679a7d2ad"}},"client":"Meridian Ridge Constructors, LLC","ruleSet":{"authored":[],"standingIds":["global.attachment-continuity","global.every-policy-placed","global.underlying-provided","global.same-named-insured","global.term-concurrency","global.defense-outside-limits","global.carrier-reduced-coverage","global.coverage-capped-below-limit","global.endorsements-restrict","global.aggregate-impairment-known"]},"createdAt":"2026-08-24T11:48:12.396Z","sampleOrigin":true}