{"id":"review-mt7idjs3","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. 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":null,"role":"primary","limit":2000000,"carrier":"STONEMARCH CASUALTY INSURANCE COMPANY","inTower":true,"premium":null,"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":null,"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,"premium":null,"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":"occurrence","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,"premium":null,"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,"premium":null,"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,"premium":null,"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":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":10,"formsWithNoRestrictionFound":0},"findings":[],"reviewId":"review-mt7idjs3","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"},{"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-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. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. The prior policy number GL 4471901 is also printed on the page as the renewal of reference. No coverage forms, endorsements, or schedules were provided with this document.","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 a Schedule of Underlying Insurance listing Stonemarch Casualty Insurance Company policy GL 4471902 as the underlying carrier. The footer on both pages states this is a synthetic document written for a product demonstration and that all companies, policies, and claims are 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 (limits, attachment point, policy period); page 2 is the 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. The document bears a footer stating it is a synthetic document written for the CoverageCheck product demonstration and that all companies, policies, and claims are 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 page; page 2 is a Schedule of Underlying Insurance listing three underlying carriers (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 bears a footer stating it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form.","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 the Schedule of Underlying Insurance listing four underlying policies (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, and STONEMARCH CASUALTY INSURANCE COMPANY Policy No. GL 4471902). The document footer states it is a synthetic document written for the CoverageCheck product demonstration and 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\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      0,\n      \"coverage\",\n      \"citation\"\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\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      1,\n      \"coverage\",\n      \"citation\"\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\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      2,\n      \"coverage\",\n      \"citation\"\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  {\n    \"expected\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      3,\n      \"coverage\",\n      \"citation\"\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":323,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":10835,"outputTokens":930,"cacheReadTokens":2349,"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. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. The prior policy number GL 4471901 is also printed on the page as the renewal of reference. No coverage forms, endorsements, or schedules were provided with this document.","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 retention, deductible, or self-insured retention is printed. No schedule of underlying insurance is present, consistent with primary role. No schedule of forms is printed on this page; it is marked Page 1 of 1, so no additional pages were provided. No premium is printed. No per-project aggregate endorsement is referenced. The document bears a synthetic/demonstration disclaimer.","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"},"premium":null,"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":336,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12548,"outputTokens":1488,"cacheReadTokens":2349,"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 a Schedule of Underlying Insurance listing Stonemarch Casualty Insurance Company policy GL 4471902 as the underlying carrier. The footer on both pages states this is a synthetic document written for a 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","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":"Page 1 identifies this as a 'FIRST EXCESS LIABILITY' policy that 'follows its form,' confirming the role as excess and follow-form. The Aggregate Limit of $10,000,000 is labeled only as 'Aggregate Limit' without further subdivision into general aggregate and products-completed ops aggregate; it has been recorded under generalAggregate as printed. No products-completed ops aggregate is separately stated for this policy's own limits. The underlying schedule (page 2) lists a products-completed operations aggregate of $4,000,000 for the underlying policy GL 4471902, which is transcribed separately. No forms schedule was provided on either page. Defense inside limits and drops-down treatment are not addressed in the two pages provided; the policy form itself was not included. Coverage label for the underlying schedule row is inferred from context (limits structure showing occurrence and aggregate figures consistent with CGL); no explicit coverage heading or column was printed on the schedule page, so confidence is medium. formBasis is set to 'occurrence' as no claims-made language appears anywhere in the provided pages, though the underlying form and policy form pages were not provided.","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"},"premium":null,"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\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":403,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12591,"outputTokens":1918,"cacheReadTokens":2349,"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 (limits, attachment point, policy period); page 2 is the 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. The document bears a footer stating it is a synthetic document written for the CoverageCheck product demonstration and that all companies, policies, and claims are 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":"This is a two-page declarations document with no policy form language provided. formBasis cannot be determined from these pages alone. Coverage labels for the underlying schedule rows are not printed in a coverage column or under headings; the labels assigned carry low confidence and are inferred from the policy numbers (XS prefix suggesting excess; GL prefix suggesting general liability). defenseInsideLimits and dropsDownOnUnderlyingExhaustion cannot be determined without the policy form. No schedule of forms was found on either page provided. The declaration states 'follows its form' referencing the underlying, but the underlying form was not provided. No retention or deductible is printed. No premium is printed. The Calder Shore row prints 'Aggregate' without the modifier 'General'; transcribed as printed. Confidence is medium because only declarations pages were provided and the policy form language is absent.","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"},"premium":null,"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":"Excess Liability","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":"Commercial General Liability","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":376,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12650,"outputTokens":2461,"cacheReadTokens":2349,"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 page; page 2 is a Schedule of Underlying Insurance listing three underlying carriers (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 bears a footer stating it is a synthetic document written for the CoverageCheck product demonstration and is 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":"Only a two-page declarations packet was provided (declarations page and schedule of underlying insurance). No policy form, endorsements, or schedule of forms were included, so formBasis, defenseInsideLimits, dropsDownOnUnderlyingExhaustion, and retention cannot be determined from the pages provided. The coverage label for each underlying row is not printed in the schedule; the schedule prints no heading or coverage column. Labels assigned are inferred from policy number prefixes (GL, XS) and are low confidence — they should be confirmed against the underlying policy documents. The aggregate limit on page 1 is labeled 'Aggregate Limit' without further qualification (no separate general aggregate or products aggregate distinction is printed). No premium appears on the pages provided.","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"},"premium":null,"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\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"},"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":"Excess Liability","citation":{"page":2,"quote":"THORNWICK INDEMNITY COMPANY\nPolicy No. TXS 660214\n04/01/2026 to 04/01/2027\n$25,000,000 Each Occurrence\n$25,000,000 Aggregate","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":"Excess Liability","citation":{"page":2,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY\nPolicy No. XS 118430\n04/01/2026 to 04/01/2027\n$10,000,000 Each Occurrence\n$10,000,000 Aggregate","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":"General Liability","citation":{"page":2,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY\nPolicy No. GL 4471902\n04/01/2026 to 04/01/2027\n$2,000,000 Each Occurrence\n$4,000,000 General Aggregate","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":443,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12714,"outputTokens":2529,"cacheReadTokens":2349,"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 the Schedule of Underlying Insurance listing four underlying policies (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, and STONEMARCH CASUALTY INSURANCE COMPANY Policy No. GL 4471902). The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","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\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      0,\n      \"coverage\",\n      \"citation\"\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\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      1,\n      \"coverage\",\n      \"citation\"\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\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      2,\n      \"coverage\",\n      \"citation\"\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  {\n    \"expected\": \"object\",\n    \"code\": \"invalid_type\",\n    \"path\": [\n      \"underlyingSchedule\",\n      3,\n      \"coverage\",\n      \"citation\"\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":"This is a two-page declarations packet only. No policy form language was provided, so formBasis, defenseInsideLimits, and dropsDownOnUnderlyingExhaustion cannot be determined from the pages given. No forms schedule appears on these pages. No retention or deductible is printed. The schedule of underlying insurance does not carry coverage-type headings or a Coverage column; coverage labels for each underlying row are therefore null and omitted. The Stonemarch row prints a General Aggregate distinct from the other rows which print only 'Aggregate'; this distinction is transcribed as printed. The attachment point of $62,000,000 is printed directly on page 1. Premium is not printed on either page.","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"},"premium":null,"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":[]}],"totalUsage":{"inputTokens":93611,"outputTokens":11754,"cacheReadTokens":17720,"cacheWriteTokens":0},"instructionVersions":{"reasoning/posture.md":"93456a16a26b","extraction/classify-document.md":"1cce3142702d","extraction/loss-run-extraction.md":"6e7c57637027","extraction/declarations-extraction.md":"d67926a09631"}},"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":"2026-08-24T17:27:06.339Z","sampleOrigin":true}