{"id":"review-mt7dqxoz","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","pagesSwept":21,"pagesTotal":51,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The reading proceeded without: Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01; Underlying policy TB2‐641‐445533‐030 scheduled by 42-XSF-310461-01; Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01; Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01; Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"expectations":[{"id":"expectation:42-xsf-310461-01:tb2-641-445533-040","what":"Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:tb2-641-445533-030","what":"Underlying policy TB2‐641‐445533‐030 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wa7-64d-445533-010","what":"Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #WA7‐64D‐445533‐\n010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wc7-641-445533-020","what":"Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":8,"quote":"Policy #WC7‐641‐445533‐\n020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies","what":"Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null}],"documentsRead":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},"answers":[{"state":"fail","message":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"cannot-determine","message":"Fewer than two policies carry a named insured, so there is nothing to compare.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"fail","message":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"pass","message":"Defense costs are payable in addition to the limits, so legal spend does not reduce what is available to pay a claim.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":"Employer's Liability US ‐ United States","role":"unknown","limit":1000000,"carrier":"Liberty Insurance Corporation","inTower":false,"sources":{"limit":{"page":7,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Insurance\nCorporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #WA7‐64D‐445533‐\n010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-2","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2023-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WA7‐64D‐445533‐010","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Employer's Liability US ‐ United States (MN Only)","role":"unknown","limit":1000000,"carrier":"Liberty Insurance Corporation","inTower":false,"sources":{"limit":{"page":8,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":8,"quote":"Liberty Insurance\nCorporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":8,"quote":"Policy #WC7‐641‐445533‐\n020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-3","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2021-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WC7‐641‐445533‐020","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's +$15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire\nInsurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-0","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"TB2‐641‐445533‐040","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's $1m‐$15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire\nInsurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-1","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"TB2‐641‐445533‐030","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"LEAD UMBRELLA","role":"unknown","limit":25000000,"carrier":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","inTower":true,"sources":{"limit":{"page":27,"quote":"$25,000,000 EACH OCCURRENCE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":27,"quote":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":27,"quote":"$25,000,000 AGGREGATE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-4","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":null,"scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":25000000,"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":"National Fire & Marine Insurance Company","inTower":true,"sources":{"limit":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"attachmentPoint":{"page":7,"quote":"FOLLOWED POLICY: ... General Liability US ‐ United States (CV's +$15m) Liberty Mutual Fire Insurance Company 03/01/2020 to 03/31/2027 Policy #TB2‐641‐445533‐040 $5,000,000 Per Occurrence $10,000,000 General Aggregate Per Project/Per Policy Year $10,000,000 Products‐Completed Operations Aggregate Per Project","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"productsCompletedOpsAggregate":{"page":1,"quote":"C. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","effective":"2020-03-01","formBasis":"occurrence","deductible":null,"expiration":"2027-03-31","formNumbers":["FF‐XS‐DEC‐10/2014","CLP‐UN‐016‐07/2013","FFP‐XS‐001‐10/2014","FFP‐XS‐002‐11/2014","CL‐UN‐083‐01/2015","CL‐UN‐156‐01/2015","FFP‐XS‐013‐07/2014","FF‐XS‐026‐02/2016","CL‐UN‐185‐12/2015","CL‐UN‐075‐12/2016","MANUSCRIPT","MANUSCRIPT"],"namedInsured":"J.E. Dunn Construction Group, Inc.","policyNumber":"42-XSF-310461-01","scheduledOnly":false,"attachmentPoint":25000000,"exhaustionPoint":50000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":50000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names TB2‐641‐445533‐040, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names TB2‐641‐445533‐030, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WA7‐64D‐445533‐010, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WC7‐641‐445533‐020, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-3"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names a policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES at 25,000,000 each occurrence, with no policy number printed, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-4"]},{"kind":"attachment-gap","amount":20000000,"detail":"TB2‐641‐445533‐040 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-0","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"attachment-gap","amount":20000000,"detail":"TB2‐641‐445533‐030 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-1","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2023-03-01 on WA7‐64D‐445533‐010), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-2"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2021-03-01 on WC7‐641‐445533‐020), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-3"]}],"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":1000000,"formNumber":"CL-UN-083-01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply - Territory New York","where":"endorsement","source":"policy-language","citation":{"page":12,"quote":"Territory(ies): New York","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"CL-UN-156-01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FFP-XS-013-07/2014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","source":"policy-language","citation":{"page":14,"quote":"This policy does not apply to \" bodily injury \" , \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a . unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non ‐ public c o n f i d e n t i a l o r p e r s o n a l i n f o r m a t i o n","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FF-XS-026-02/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":19,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"CL-UN-075-12/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","source":"policy-language","citation":{"page":23,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, directly or indirectly, any premises if all or part of those premises are or were at any time, whether before or after the effective dates of this policy, used, occupied, listed, marketed, rented or sold as a residential premises.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"Manuscript","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"no","underlyingScheduleCount":5,"formsWithNoRestrictionFound":10},"findings":[{"id":"finding-global.attachment-continuity","layer":"global","impact":"Does every layer attach where the layer beneath it exhausts?","ruleId":"global.attachment-continuity","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐\n010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","ruleVersion":"cbb148ade44b"},{"id":"finding-global.underlying-provided","layer":"global","impact":"Was every policy named in a schedule of underlying insurance provided?","ruleId":"global.underlying-provided","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐\n010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"},{"id":"finding-global.term-concurrency","layer":"global","impact":"Do all layers run on the same policy period?","ruleId":"global.term-concurrency","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐\n010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","ruleVersion":"57030f9e857f"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Act of Terrorism Self-Insured Retention is capped at 1,000,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt7dqxoz","decisions":[],"unanswered":[{"reason":"Fewer than two policies carry a named insured, so there is nothing to compare.","questionId":"global.same-named-insured"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-shallow-global.defense-outside-limits","evidence":[],"statement":"\"Are defense costs payable in addition to the limits?\" is answered from policy language, and 21 pages were read as text for schedules and declarations values rather than examined. The answer stands on the pages that were read in full.","packetComplete":false},{"id":"observation-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-classifier","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf, from the classifier: This PDF is a full policy packet, not solely a declarations page. It contains two distinct policies: (1) National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (pages 1–24), a Follow Form Excess Liability policy including declarations, forms schedule, coverage form, and multiple endorsements; and (2) The Ohio Casualty Insurance Company (Liberty Mutual) policy ECO (27) 60 81 04 20 (pages 25–28), a separate Excess Liability policy with its own declarations, schedule of underlying insurance, and forms list. Pages 29–30 contain the Excess Liability Coverage Form (CE 65 24 06 97) associated with the Ohio Casualty policy. The document is classified as 'declarations' based on the dominant character of the opening pages (the National Fire & Marine declarations page), and the line is 'excess' as both policies are excess liability. The second policy number ECO (27) 60 81 04 20 issued by The Ohio Casualty Insurance Company to J.E. Dunn Construction Group, Inc. is also present (pages 25–28). Confidence is medium because this is a multi-policy packet and the dominant classification covers only part of the document.","packetComplete":false},{"id":"observation-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-truncated","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf: pages 1 to 30 were read in full, and all 50 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions; 1 schedule entry were found that the front pages did not carry. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":62647,"outputTokens":540,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":70079,"outputTokens":6119,"cacheReadTokens":2134,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":27715,"outputTokens":2774,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8473,"outputTokens":494,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","sha256":"b6cad50544fa1b8ba25ecced1f14101243e917e49c9894b8995c803f4c926e1c","filename":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"This PDF is a full policy packet, not solely a declarations page. It contains two distinct policies: (1) National Fire & Marine Insurance Company policy 42‐XSF‐310461‐01 (pages 1–24), a Follow Form Excess Liability policy including declarations, forms schedule, coverage form, and multiple endorsements; and (2) The Ohio Casualty Insurance Company (Liberty Mutual) policy ECO (27) 60 81 04 20 (pages 25–28), a separate Excess Liability policy with its own declarations, schedule of underlying insurance, and forms list. Pages 29–30 contain the Excess Liability Coverage Form (CE 65 24 06 97) associated with the Ohio Casualty policy. The document is classified as 'declarations' based on the dominant character of the opening pages (the National Fire & Marine declarations page), and the line is 'excess' as both policies are excess liability. The second policy number ECO (27) 60 81 04 20 issued by The Ohio Casualty Insurance Company to J.E. Dunn Construction Group, Inc. is also present (pages 25–28). Confidence is medium because this is a multi-policy packet and the dominant classification covers only part of the document.","carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"pageCount":51,"confidence":"medium","namedInsured":{"value":"J.E. Dunn Construction Group, Inc.","citation":{"page":1,"quote":"J.E. Dunn Construction Group, Inc.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"42‐XSF‐310461‐01","citation":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}},"deepSweep":{"found":1,"pages":50,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","role":"excess","term":{"effective":{"value":"2020-03-01","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},"notes":"1. This document packet contains two separate policies: (a) National Fire & Marine Insurance Company policy 42-XSF-310461-01 (pages 1-24) and (b) The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (pages 25-30). The extraction above covers only the National Fire & Marine policy (42-XSF-310461-01). 2. The Limits of Insurance on the declarations page (page 1) are superseded by the Manuscript Limits of Insurance Modification endorsement (pages 20-22), which sets project-size-specific limits. The declaration page limits ($25,000,000 per occurrence, $25,000,000 aggregate, $25,000,000 products-completed ops) are printed but explicitly deleted and replaced by the endorsement. The modified limits are: for projects CV $1m-$15m: $25,000,000 per occurrence, $50,000,000 general aggregate (per project/per policy year), $100,000,000 general aggregate maximum (per policy year), $100,000,000 products-completed operations hazard aggregate; for projects CV >$15m: $25,000,000 per occurrence, $50,000,000 general aggregate (per project/per policy year), $50,000,000 products-completed operations hazard aggregate (per project). The schema limits fields are populated from the declarations page as printed, but downstream users should note the endorsement supersedes those figures. 3. The attachment point is not printed as a single dollar figure; the policy attaches excess of the 'retained limit' defined as the total applicable limits of all underlying policies. No single attachment point number is printed. The field is populated with $25,000,000 as that is the per-occurrence limit of the lead underlying (National Fire & Marine umbrella per the Ohio Casualty schedule on page 27), but this is uncertain; confidence is low. 4. Defense inside limits: The policy form states defense costs operate in an identical manner to the followed policy. The underlying schedule prints 'Defense Treatment: Outside the Limit' for all underlying lines. The Excess Liability Coverage Form (CE 65 24 06 97, page 29-30) for the Ohio Casualty policy (a separate policy in this packet) states the insurer has the right but not the duty to defend. For the National Fire & Marine policy, the followed-form defense treatment is 'outside the limit' per the underlying schedule, so 'no' is recorded. 5. The terrorism self-insured retention endorsement (CL-UN-083-01/2015) adds a $1,000,000 SIR for certified acts of terrorism only; this is a conditional, not the general policy retention. No general deductible or SIR is printed on the declarations for this excess policy itself. 6. The Employer's Liability underlying rows use per-accident and per-employee measures, not per-occurrence; they are transcribed with the each-accident figure in the eachOccurrence field for schema compliance, but should not be read as occurrence limits. 7. Policy period is unusually long (03/01/2020 to 03/31/2027), which is as printed on the declarations page.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":1,"quote":"C. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"}},"carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"],"namedInsured":{"value":"J.E. Dunn Construction Group, Inc.","citation":{"page":1,"quote":"Named Insured: J.E. Dunn Construction Group, Inc.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"42-XSF-310461-01","citation":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":1000000,"formNumber":"CL-UN-083-01/2015","carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply - Territory New York","where":"endorsement","citation":{"page":12,"quote":"Territory(ies): New York","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"CL-UN-156-01/2015","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","citation":{"page":13,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"FFP-XS-013-07/2014","carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","citation":{"page":14,"quote":"This policy does not apply to \" bodily injury \" , \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a . unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non ‐ public c o n f i d e n t i a l o r p e r s o n a l i n f o r m a t i o n","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"FF-XS-026-02/2016","carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":19,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"CL-UN-075-12/2016","carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","citation":{"page":23,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, directly or indirectly, any premises if all or part of those premises are or were at any time, whether before or after the effective dates of this policy, used, occupied, listed, marketed, rented or sold as a residential premises.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"Manuscript","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Follow Form Excess Liability Common Policy Declarations","citation":{"page":3,"quote":"Follow Form Excess Liability Common Policy Declarations","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":3,"quote":"FF‐XS‐DEC‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FF‐XS‐DEC‐10/2014","citation":{"page":3,"quote":"FF‐XS‐DEC‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Forms Schedule","citation":{"page":3,"quote":"Forms Schedule","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CLP‐UN‐016‐07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Follow Form Excess Liability Policy","citation":{"page":3,"quote":"Follow Form Excess Liability Policy","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"10/2014","citation":{"page":3,"quote":"FFP‐XS‐001‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"FFP‐XS‐001‐10/2014","citation":{"page":3,"quote":"FFP‐XS‐001‐10/2014","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Schedule of Underlying","citation":{"page":3,"quote":"Schedule of 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General Liability US ‐ United States (CV's +$15m) Liberty Mutual Fire Insurance Company 03/01/2020 to 03/31/2027 Policy #TB2‐641‐445533‐040 $5,000,000 Per Occurrence $10,000,000 General Aggregate Per Project/Per Policy Year $10,000,000 Products‐Completed Operations Aggregate Per Project","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"low"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire\nInsurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"General Liability US ‐ United States (CV's +$15m)","citation":{"page":7,"quote":"General Liability\nUS ‐ United States\n(CV's +$15m)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"03/01/2020 to 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