{"id":"review-mt7dphye","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"meridian-first-excess_calder-shore-specialty_XS-118430","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218","pagesSwept":0,"pagesTotal":2,"pagesInFull":2}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted."],"unsatisfied":[],"expectations":[{"id":"expectation:xs-118430:gl-4471902","what":"Underlying policy GL 4471902 scheduled by XS 118430","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:txs-660214:xs-118430","what":"Underlying policy XS 118430 scheduled by TXS 660214","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:txs-660214:gl-4471902","what":"Underlying policy GL 4471902 scheduled by TXS 660214","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:hn-xs-30755:txs-660214","what":"Underlying policy TXS 660214 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},{"id":"expectation:hn-xs-30755:xs-118430","what":"Underlying policy XS 118430 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:hn-xs-30755:gl-4471902","what":"Underlying policy GL 4471902 scheduled by HN-XS-30755","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"},{"id":"expectation:pf-xl-90218:hn-xs-30755","what":"Underlying policy HN-XS-30755 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. HN-XS-30755","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-third-excess_havenbrook-national_HN-XS-30755"},{"id":"expectation:pf-xl-90218:txs-660214","what":"Underlying policy TXS 660214 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660214","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660214"},{"id":"expectation:pf-xl-90218:xs-118430","what":"Underlying policy XS 118430 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118430","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118430"},{"id":"expectation:pf-xl-90218:gl-4471902","what":"Underlying policy GL 4471902 scheduled by PF-XL-90218","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471902","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90218"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471902"}],"documentsRead":["meridian-gl-declarations_stonemarch-casualty_GL-4471902","meridian-first-excess_calder-shore-specialty_XS-118430","meridian-second-excess_thornwick-indemnity_TXS-660214","meridian-third-excess_havenbrook-national_HN-XS-30755","meridian-fourth-excess_pallenford-re_PF-XL-90218"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"cannot-determine","message":"The provided pages do not say whether defense costs erode the limits. This is in the policy language, so it is answerable with the full form set.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"pass","message":"No provision was found capping a coverage below the policy limit.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"cannot-determine","message":"No forms schedule was read on these policies, so there is nothing to check.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. 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The document footer on both pages states it is a synthetic document written for the CoverageCheck product demonstration and that all companies, policies, and claims are fictitious.","carrier":{"value":"CALDER SHORE SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY\n88 Federal Wharf, Boston, MA 02110","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\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"}}},"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 underlying schedule prints a Products-Completed Operations Aggregate of $4,000,000 (quote: '$4,000,000 Products-Completed Operations Aggregate', page 2) which is distinct from the General Aggregate; the schema for underlyingSchedule items does not include a productsCompletedOpsAggregate field so this value is not captured in the structured output but is noted here. No schedule of forms was found on either page provided; the policy may carry endorsements not listed here. The form basis is recorded as 'occurrence' because this is a first excess liability policy following the form of an underlying CGL, but no explicit occurrence/claims-made designation was printed on the declarations page — confidence is accordingly medium. The coverage label for the underlying row is inferred as Commercial General Liability from context (per-occurrence and aggregate structure); no explicit coverage column or heading label was printed on the schedule. Defense inside limits and drops-down mechanics cannot be determined from the pages provided as the policy language was not included.","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":"occurrence","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","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":409,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12302,"outputTokens":2010,"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 the Schedule of Underlying Insurance listing two underlying policies (CALDER SHORE SPECIALTY INSURANCE COMPANY, Policy No. XS 118430; STONEMARCH CASUALTY INSURANCE COMPANY, Policy No. GL 4471902). Both pages bear the same policy number TXS 660214. The document is labeled a synthetic demonstration document and states 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":"1. Role is excess: the declarations page is titled 'SECOND EXCESS LIABILITY DECLARATIONS' and states 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form.' 2. Form basis (occurrence vs. claims-made) is not printed on the declarations pages provided. 3. No schedule of forms was found on the pages provided; this is a two-page declarations packet and no forms list appears on either page. Whether the policy carries endorsements cannot be determined from these pages alone. 4. Defense inside limits cannot be determined from the pages provided; the policy form was not included. 5. Drops down on exhaustion cannot be determined from the pages provided; the follow-form language does not address this on the declarations page. 6. No retention (deductible or SIR) is printed on either page. 7. Coverage labels for the two underlying schedule rows are not printed in the schedule; the schedule provides no heading or Coverage column, so coverage type for each row is not determinable from these pages. The Stonemarch row prints 'General Aggregate' which suggests a CGL-type policy, but no label is printed for the row itself. 8. The Calder Shore row prints 'Aggregate' without specifying '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 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document: page 1 is the Third Excess Liability Declarations and page 2 is the Schedule of Underlying Insurance. The schedule on page 2 references three underlying carriers and policies (THORNWICK INDEMNITY COMPANY / TXS 660214, CALDER SHORE SPECIALTY INSURANCE COMPANY / XS 118430, STONEMARCH CASUALTY INSURANCE COMPANY / GL 4471902); those are underlying policies, not separate insured policies in this document. Document is marked as a synthetic demonstration document — not a carrier form.","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"},"pageCount":2,"confidence":"high","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"}}},"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":"No forms schedule was found in the two pages provided; the declarations do not list attached endorsements. Form basis (occurrence vs. claims-made) is not stated on the declarations. The policy states it 'follows its form' referencing underlying insurance, but the underlying policy forms were not provided, so defenseInsideLimits and dropsDownOnUnderlyingExhaustion cannot be determined from the pages given. The schedule of underlying insurance does not print a coverage-type column or heading for any row; coverage labels are therefore null/unknown for all three underlying entries. The Stonemarch Casualty row prints a General Aggregate distinct from the Each Occurrence limit, which is transcribed as-is. No retention or deductible is printed on the declarations.","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 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