{"id":"review-mt7n7ucn","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"meridian-first-excess_calder-shore-specialty_XS-118431","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219","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-118431:gl-4471903","what":"Underlying policy GL 4471903 scheduled by XS 118431","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471903","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},{"id":"expectation:txs-660215:xs-118431","what":"Underlying policy XS 118431 scheduled by TXS 660215","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118431","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},{"id":"expectation:txs-660215:gl-4471903","what":"Underlying policy GL 4471903 scheduled by TXS 660215","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471903","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},{"id":"expectation:hn-xs-30756:txs-660215","what":"Underlying policy TXS 660215 scheduled by HN-XS-30756","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660215","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},{"id":"expectation:hn-xs-30756:xs-118431","what":"Underlying policy XS 118431 scheduled by HN-XS-30756","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118431","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},{"id":"expectation:hn-xs-30756:gl-4471903","what":"Underlying policy GL 4471903 scheduled by HN-XS-30756","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471903","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},{"id":"expectation:pf-xl-90219:hn-xs-30756","what":"Underlying policy HN-XS-30756 scheduled by PF-XL-90219","basis":"cited","source":{"page":2,"quote":"Policy No. HN-XS-30756","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"satisfiedByDocumentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},{"id":"expectation:pf-xl-90219:txs-660215","what":"Underlying policy TXS 660215 scheduled by PF-XL-90219","basis":"cited","source":{"page":2,"quote":"Policy No. TXS 660215","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"satisfiedByDocumentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},{"id":"expectation:pf-xl-90219:xs-118431","what":"Underlying policy XS 118431 scheduled by PF-XL-90219","basis":"cited","source":{"page":2,"quote":"Policy No. XS 118431","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"satisfiedByDocumentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},{"id":"expectation:pf-xl-90219:gl-4471903","what":"Underlying policy GL 4471903 scheduled by PF-XL-90219","basis":"cited","source":{"page":2,"quote":"Policy No. GL 4471903","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"satisfiedByDocumentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"}],"documentsRead":["meridian-gl-declarations_stonemarch-casualty_GL-4471903","meridian-first-excess_calder-shore-specialty_XS-118431","meridian-second-excess_thornwick-indemnity_TXS-660215","meridian-third-excess_havenbrook-national_HN-XS-30756","meridian-fourth-excess_pallenford-re_PF-XL-90219"]},"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":"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":null,"role":"primary","limit":2000000,"carrier":"STONEMARCH CASUALTY INSURANCE COMPANY","inTower":true,"premium":186400,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"carrier":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"premium":{"page":1,"quote":"Advance Premium for this Coverage Part $186,400","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: GL 4471903","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"productsCompletedOpsAggregate":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"}},"policyId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903","effective":"2027-04-01","formBasis":"occurrence","deductible":null,"expiration":"2028-04-01","formNumbers":["SC GL 21 32"],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"GL 4471903","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":142500,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"carrier":{"page":1,"quote":"CALDER SHORE SPECIALTY INSURANCE COMPANY","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"premium":{"page":1,"quote":"Policy Premium $142,500","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: XS 118431","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"}},"policyId":"meridian-first-excess_calder-shore-specialty_XS-118431","effective":"2027-04-01","formBasis":"unknown","deductible":null,"expiration":"2028-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"XS 118431","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":15000000,"carrier":"THORNWICK INDEMNITY COMPANY","inTower":true,"premium":86250,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $15,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"carrier":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"premium":{"page":1,"quote":"Policy Premium $86,250","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: TXS 660215","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $12,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $15,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"}},"policyId":"meridian-second-excess_thornwick-indemnity_TXS-660215","effective":"2027-04-01","formBasis":"unknown","deductible":null,"expiration":"2028-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"TXS 660215","scheduledOnly":false,"attachmentPoint":12000000,"exhaustionPoint":27000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":15000000,"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":77500,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"carrier":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"premium":{"page":1,"quote":"Policy Premium $77,500","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: HN-XS-30756","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $27,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $25,000,000","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"}},"policyId":"meridian-third-excess_havenbrook-national_HN-XS-30756","effective":"2027-04-01","formBasis":"unknown","deductible":null,"expiration":"2028-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"HN-XS-30756","scheduledOnly":false,"attachmentPoint":27000000,"exhaustionPoint":52000000,"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":61000,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"carrier":{"page":1,"quote":"PALLENFORD RE SPECIALTY INSURANCE COMPANY","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"premium":{"page":1,"quote":"Policy Premium $61,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: PF-XL-90219","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $52,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $40,000,000","documentId":"meridian-fourth-excess_pallenford-re_PF-XL-90219"}},"policyId":"meridian-fourth-excess_pallenford-re_PF-XL-90219","effective":"2027-04-01","formBasis":"unknown","deductible":null,"expiration":"2028-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"PF-XL-90219","scheduledOnly":false,"attachmentPoint":52000000,"exhaustionPoint":92000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":40000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":92000000,"towerIssues":[],"restrictions":[{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":1,"quote":"SC GL 21 32 04 13 Communicable Disease Exclusion","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"policyId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903","subLimit":null,"formNumber":"SC GL 21 32 04 13","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"unknown","underlyingScheduleCount":10,"formsWithNoRestrictionFound":0},"findings":[{"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-mt7n7ucn","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 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-4471903-classifier","evidence":[],"statement":"meridian-gl-declarations_stonemarch-casualty_GL-4471903.pdf, from the classifier: Single-page commercial general liability declarations. Document footer states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. The forms and endorsements section lists one endorsement (SC GL 21 32, edition 04 13, Communicable Disease Exclusion); the endorsement form itself was not provided.","packetComplete":false},{"id":"observation-meridian-first-excess_calder-shore-specialty_XS-118431-classifier","evidence":[],"statement":"meridian-first-excess_calder-shore-specialty_XS-118431.pdf, from the classifier: Document is a two-page First Excess Liability Declarations packet. Page 1 contains the declarations with limits and premium; page 2 contains the Schedule of Underlying Insurance listing the underlying carrier (STONEMARCH CASUALTY INSURANCE COMPANY, Policy No. GL 4471903) and its limits. The document footer states it 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-660215-classifier","evidence":[],"statement":"meridian-second-excess_thornwick-indemnity_TXS-660215.pdf, from the classifier: Document is a two-page Second Excess Liability Declarations issued by Thornwick Indemnity Company. Page 1 contains the declarations (limits, attachment point, premium). Page 2 is a Schedule of Underlying Insurance listing two underlying policies: Calder Shore Specialty Insurance Company, Policy No. XS 118431 ($10,000,000 each occurrence / $10,000,000 aggregate) and Stonemarch Casualty Insurance Company, Policy No. GL 4471903 ($2,000,000 each occurrence / $4,000,000 general aggregate). The document is classified as a declarations page; the schedule of underlying insurance is printed as part of the same declarations packet. Document footer states it is a synthetic document written for the CoverageCheck product demonstration and every company, policy, and claim shown is fictitious.","packetComplete":false},{"id":"observation-meridian-third-excess_havenbrook-national_HN-XS-30756-classifier","evidence":[],"statement":"meridian-third-excess_havenbrook-national_HN-XS-30756.pdf, from the classifier: Two-page document: page 1 is the Third Excess Liability Declarations page; page 2 is the Schedule of Underlying Insurance listing three underlying carriers (THORNWICK INDEMNITY COMPANY policy TXS 660215, CALDER SHORE SPECIALTY INSURANCE COMPANY policy XS 118431, STONEMARCH CASUALTY INSURANCE COMPANY policy GL 4471903). Both pages carry the footer indicating this is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","packetComplete":false},{"id":"observation-meridian-fourth-excess_pallenford-re_PF-XL-90219-classifier","evidence":[],"statement":"meridian-fourth-excess_pallenford-re_PF-XL-90219.pdf, from the classifier: Two-page document: page 1 is the Fourth Excess Liability Declarations page; page 2 is a Schedule of Underlying Insurance listing four underlying carriers and policies (HAVENBROOK NATIONAL INSURANCE COMPANY / HN-XS-30756, THORNWICK INDEMNITY COMPANY / TXS 660215, CALDER SHORE SPECIALTY INSURANCE COMPANY / XS 118431, STONEMARCH CASUALTY INSURANCE COMPANY / GL 4471903). The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious. The renewal policy number PF-XL-90218 is also printed on page 1.","packetComplete":false},{"id":"observation-meridian-second-excess_thornwick-indemnity_TXS-660215-sweep-losses","evidence":[],"statement":"meridian-second-excess_thornwick-indemnity_TXS-660215.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-30756-sweep-losses","evidence":[],"statement":"meridian-third-excess_havenbrook-national_HN-XS-30756.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}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":3163,"outputTokens":325,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":10884,"outputTokens":1217,"cacheReadTokens":0,"cacheWriteTokens":2349},{"model":"claude-haiku-4-5","inputTokens":4736,"outputTokens":140,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-gl-declarations_stonemarch-casualty_GL-4471903","sha256":"6d5afc34b090a67373676435ea1f13d7028c3df6ad1329cbd934120029a80788","filename":"meridian-gl-declarations_stonemarch-casualty_GL-4471903.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Single-page commercial general liability declarations. Document footer states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. The forms and endorsements section lists one endorsement (SC GL 21 32, edition 04 13, Communicable Disease Exclusion); the endorsement form itself was not provided.","carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"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-4471903"},"confidence":"high"},"policyNumber":{"value":"GL 4471903","citation":{"page":1,"quote":"POLICY NUMBER: GL 4471903","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":1,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-gl-declarations_stonemarch-casualty_GL-4471903","role":"primary","term":{"effective":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"},"expiration":{"value":"2028-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"}},"notes":"This is a primary CGL policy; attachment point is null as correct for a primary. No deductible or self-insured retention is printed on the declarations page. No schedule of underlying insurance is present, consistent with a primary policy. The forms schedule lists one endorsement (SC GL 21 32, edition 04 13, Communicable Disease Exclusion). No per-project aggregate endorsement is listed. Coverage is written on an occurrence basis as printed. Defense costs are explicitly stated as payable in addition to limits. The policy is identified as Page 1 of 1, so no additional pages are indicated.","limits":{"eachOccurrence":{"value":2000000,"citation":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"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-4471903"},"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-4471903"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":4000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"}},"carrier":{"value":"STONEMARCH CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"STONEMARCH CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"},"premium":{"value":186400,"citation":{"page":1,"quote":"Advance Premium for this Coverage Part $186,400","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["meridian-gl-declarations_stonemarch-casualty_GL-4471903"],"namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"},"policyNumber":{"value":"GL 4471903","citation":{"page":1,"quote":"POLICY NUMBER: GL 4471903","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"},"restrictions":[{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":1,"quote":"SC GL 21 32 04 13 Communicable Disease Exclusion","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"subLimit":null,"formNumber":"SC GL 21 32 04 13","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Communicable Disease Exclusion","citation":{"page":1,"quote":"Communicable Disease Exclusion","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"},"edition":{"value":"04 13","citation":{"page":1,"quote":"04 13","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"},"formNumber":{"value":"SC GL 21 32","citation":{"page":1,"quote":"SC GL 21 32","documentId":"meridian-gl-declarations_stonemarch-casualty_GL-4471903"},"confidence":"high"}}],"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-4471903"},"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":4841,"outputTokens":345,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12562,"outputTokens":1510,"cacheReadTokens":0,"cacheWriteTokens":2349},{"model":"claude-haiku-4-5","inputTokens":4863,"outputTokens":494,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-first-excess_calder-shore-specialty_XS-118431","sha256":"75edeedaf3bbce746423c1ce87e397dabd463187f45a9882037dfc3efd67fe6d","filename":"meridian-first-excess_calder-shore-specialty_XS-118431.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Document is a two-page First Excess Liability Declarations packet. Page 1 contains the declarations with limits and premium; page 2 contains the Schedule of Underlying Insurance listing the underlying carrier (STONEMARCH CASUALTY INSURANCE COMPANY, Policy No. GL 4471903) and its limits. The document footer states it 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-118431"},"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-118431"},"confidence":"high"},"policyNumber":{"value":"XS 118431","citation":{"page":1,"quote":"POLICY NUMBER: XS 118431","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-first-excess_calder-shore-specialty_XS-118431","role":"excess","term":{"effective":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"confidence":"high"},"expiration":{"value":"2028-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-first-excess_calder-shore-specialty_XS-118431"},"confidence":"high"}},"notes":"Page 1 titles this as 'FIRST EXCESS LIABILITY DECLARATIONS' and states 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form.' 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Document footer states it is a synthetic document written for the CoverageCheck product demonstration and every company, policy, and claim shown is fictitious.","carrier":{"value":"THORNWICK INDEMNITY COMPANY","citation":{"page":1,"quote":"THORNWICK INDEMNITY COMPANY","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"confidence":"high"},"policyNumber":{"value":"TXS 660215","citation":{"page":1,"quote":"POLICY NUMBER: TXS 660215","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"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-660215","role":"excess","term":{"effective":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"confidence":"high"},"expiration":{"value":"2028-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"confidence":"high"}},"notes":"The declarations page is titled 'SECOND EXCESS LIABILITY DECLARATIONS' indicating this is a second-layer excess policy sitting above $12,000,000 of underlying insurance. The policy states it 'follows its form,' confirming follow-form excess. No schedule of forms was provided on either page. Coverage labels for underlying schedule rows are not printed; the label for the Calder Shore row is inferred from context (excess policy number prefix 'XS') and the Stonemarch row from policy number prefix 'GL' — both are low-confidence inferences and null would be equally defensible. Form basis (occurrence vs. claims-made) is not stated on the pages provided; the underlying form governs per the follow-form provision but was not provided. Defense inside limits and drops-down language are not printed on these two pages. No retention or deductible is printed. The 'Aggregate Limit' on page 1 is labeled simply 'Aggregate Limit' without further qualification as general aggregate or products aggregate; it is recorded in generalAggregate as the closest match to what is printed.","limits":{"eachOccurrence":{"value":15000000,"citation":{"page":1,"quote":"Each Occurrence Limit $15,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"confidence":"high"},"generalAggregate":{"value":15000000,"citation":{"page":1,"quote":"Aggregate Limit $15,000,000","documentId":"meridian-second-excess_thornwick-indemnity_TXS-660215"},"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-660215"},"confidence":"high"},"premium":{"value":86250,"citation":{"page":1,"quote":"Policy Premium 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document: page 1 is the Third Excess Liability Declarations page; page 2 is the Schedule of Underlying Insurance listing three underlying carriers (THORNWICK INDEMNITY COMPANY policy TXS 660215, CALDER SHORE SPECIALTY INSURANCE COMPANY policy XS 118431, STONEMARCH CASUALTY INSURANCE COMPANY policy GL 4471903). Both pages carry the footer indicating this is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","carrier":{"value":"HAVENBROOK NATIONAL INSURANCE COMPANY","citation":{"page":1,"quote":"HAVENBROOK NATIONAL INSURANCE COMPANY","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"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-30756"},"confidence":"high"},"policyNumber":{"value":"HN-XS-30756","citation":{"page":1,"quote":"POLICY NUMBER: HN-XS-30756","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"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-30756","role":"excess","term":{"effective":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"confidence":"high"},"expiration":{"value":"2028-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-third-excess_havenbrook-national_HN-XS-30756"},"confidence":"high"}},"notes":"formBasis is not stated on the declarations page provided; the policy is follow-form excess ('follows its form') so the form basis of the underlying policy would govern, but it is not printed here. Coverage labels for the underlying schedule rows are not printed; the schedule provides no headings or coverage column — coverage values for all three rows are null in substance and marked unknown. No forms schedule appears on either page provided; absence of a schedule of forms on these pages does not mean no endorsements are attached. defenseInsideLimits and dropsDownOnUnderlyingExhaustion cannot be determined from the pages provided; policy language forms were not included. The Stonemarch Casualty row prints $4,000,000 General Aggregate as distinct from $2,000,000 Each Occurrence, recorded separately. The attachment point of $27,000,000 is printed as 'Total Underlying Limits'; the underlying schedule shows Thornwick ($15M occ/$15M agg), Calder Shore ($10M occ/$10M agg), and Stonemarch ($2M occ/$4M agg) — the sum of occurrence limits matches the printed attachment point. 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