{"id":"review-mt7n8p8w","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04","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:xsu-3318842-04:cgl-7204518-04","what":"Underlying policy CGL 7204518-04 scheduled by XSU 3318842-04","basis":"cited","source":{"page":2,"quote":"Policy No. CGL 7204518-04","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"satisfiedByDocumentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"}],"documentsRead":["torvane-gl-declarations_standhope-mutual_CGL-7204518-04","torvane-umbrella_quarrywood-specialty_XSU-3318842-04","torvane-loss-run_standhope-mutual_CGL-7204518-04"]},"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":"pass","message":"Every page was searched and no restricting provision was found in the attached forms.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"pass","message":"Aggregate impairment is established from a loss run, so the tower reflects what is actually left.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":null,"role":"primary","limit":1000000,"carrier":"STANDHOPE MUTUAL INSURANCE COMPANY","inTower":true,"premium":45988,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"carrier":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"premium":{"page":1,"quote":"Advance Premium for this Coverage Part $45,988","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-04","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) 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$318,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"joinDeterminedByPerson":false,"remainingGeneralAggregate":1682000},"generalAggregate":2000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":2000000},{"line":null,"role":"umbrella","limit":15000000,"carrier":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","inTower":true,"premium":24850,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $15,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"carrier":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"premium":{"page":1,"quote":"Annual Premium $24,850","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: XSU 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This is in the policy language, so it is answerable with the full form set.","questionId":"global.defense-outside-limits"}],"observations":[{"id":"observation-torvane-loss-run_standhope-mutual_CGL-7204518-04-erosion","evidence":[{"page":2,"quote":"Policy Totals   Reserves: $189,000   Paid: $129,000   Total Incurred: $318,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"}],"statement":"torvane-loss-run_standhope-mutual_CGL-7204518-04.pdf, valued 06/01/2027, erodes the CGL 7204518-04 general aggregate by $318,000 of incurred losses: $1,682,000 of the printed $2,000,000 remains. Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"id":"observation-torvane-gl-declarations_standhope-mutual_CGL-7204518-04-classifier","evidence":[],"statement":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04.pdf, from the classifier: Document is a two-page packet: page 1 is the Commercial General Liability Declarations page and page 2 is the Forms and Endorsements Schedule. Both pages bear the same policy number CGL 7204518-04. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious. The dominant character of the packet is the declarations page, which carries insured-specific limits and premium; the schedule-of-forms page is ancillary to it. Classified as declarations. The forms and endorsements listed on page 2 were not provided as separate documents; coverage content of those forms cannot be read from this packet.","packetComplete":false},{"id":"observation-torvane-umbrella_quarrywood-specialty_XSU-3318842-04-classifier","evidence":[],"statement":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04.pdf, from the classifier: Two-page document consisting of a Commercial Umbrella Liability Declarations page (page 1) and a Schedule of Underlying Insurance (page 2). The schedule of underlying insurance references one underlying policy: Commercial General Liability with Standhope Mutual Insurance Company, Policy No. CGL 7204518-04. 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Document footer states this is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is fictitious.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5037,"outputTokens":402,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12758,"outputTokens":2260,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":5055,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04","sha256":"915c9ab5f7bd3beaf51f10e142ab1564bda9588f974fce89106832828c9c530d","filename":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Document is a two-page packet: page 1 is the Commercial General Liability Declarations page and page 2 is the Forms and Endorsements Schedule. Both pages bear the same policy number CGL 7204518-04. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious. The dominant character of the packet is the declarations page, which carries insured-specific limits and premium; the schedule-of-forms page is ancillary to it. Classified as declarations. The forms and endorsements listed on page 2 were not provided as separate documents; coverage content of those forms cannot be read from this packet.","carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-04","citation":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-04","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04","role":"primary","term":{"effective":{"value":"2027-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2027 TO MARCH 1, 2028","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"expiration":{"value":"2028-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2027 TO MARCH 1, 2028","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"}},"notes":"This is a primary CGL policy. No attachment point applies. No schedule of underlying insurance is present. No deductible or self-insured retention is printed on the declarations page. The drops-down-on-underlying-exhaustion field is marked unknown as this is a primary policy with no underlying insurance schedule and no policy language on this point was provided. The per-project aggregate endorsement (e.g., CG 25 03) does not appear in the forms schedule. Defense costs are stated to be payable in addition to limits on page 1.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"generalAggregate":{"value":2000000,"citation":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $2,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":1000000,"citation":{"page":1,"quote":"Personal and Advertising Injury Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":2000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit 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98","citation":{"page":2,"quote":"SM IL 00 17 11 98 Common Policy Conditions","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"formNumber":{"value":"SM IL 00 17","citation":{"page":2,"quote":"SM IL 00 17","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"}},{"title":{"value":"Employment-Related Practices Exclusion","citation":{"page":2,"quote":"Employment-Related Practices Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"edition":{"value":"12 07","citation":{"page":2,"quote":"SM GL 21 47 12 07 Employment-Related Practices Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"formNumber":{"value":"SM GL 21 47","citation":{"page":2,"quote":"SM GL 21 47","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"}},{"title":{"value":"Silica or Silica-Related Dust Exclusion","citation":{"page":2,"quote":"Silica or Silica-Related Dust Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"edition":{"value":"03 05","citation":{"page":2,"quote":"SM GL 21 96 03 05 Silica or Silica-Related Dust Exclusion","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"formNumber":{"value":"SM GL 21 96","citation":{"page":2,"quote":"SM GL 21 96","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"}},{"title":{"value":"Waiver of Transfer of Rights of Recovery Against Others to Us","citation":{"page":2,"quote":"Waiver of Transfer of Rights of Recovery Against Others to Us","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"edition":{"value":"05 09","citation":{"page":2,"quote":"SM GL 24 04 05 09 Waiver of Transfer of Rights of Recovery Against Others to Us","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"formNumber":{"value":"SM GL 24 04","citation":{"page":2,"quote":"SM GL 24 04","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"}},{"title":{"value":"Disclosure Pursuant to Terrorism Risk Insurance Act","citation":{"page":2,"quote":"Disclosure Pursuant to Terrorism Risk Insurance Act","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"edition":{"value":"01 15","citation":{"page":2,"quote":"SM IL 09 85 01 15 Disclosure Pursuant to Terrorism Risk Insurance Act","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"formNumber":{"value":"SM IL 09 85","citation":{"page":2,"quote":"SM IL 09 85","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"confidence":"high"}}],"attachmentPoint":null,"retroactiveDate":null,"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-04"},"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":4906,"outputTokens":353,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12627,"outputTokens":1619,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4926,"outputTokens":495,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04","sha256":"6fbbd5d0e5e7511cea339a0208d1dfccbae909a002be762b1c6e3f666f93dd49","filename":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"umbrella","type":"declarations","notes":"Two-page document consisting of a Commercial Umbrella Liability Declarations page (page 1) and a Schedule of Underlying Insurance (page 2). The schedule of underlying insurance references one underlying policy: Commercial General Liability with Standhope Mutual Insurance Company, Policy No. CGL 7204518-04. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form.","carrier":{"value":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-04","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-04","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04","role":"umbrella","term":{"effective":{"value":"2027-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2027 TO MARCH 1, 2028","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"expiration":{"value":"2028-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2027 TO MARCH 1, 2028","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"}},"notes":"Role set to umbrella based on the title 'COMMERCIAL UMBRELLA LIABILITY DECLARATIONS' and the statement 'This policy provides coverage following the form of the underlying insurance shown in the Schedule of Underlying Insurance on page 2, and applies in excess of that underlying insurance.' The attachment point of $1,000,000 is inferred from the underlying CGL each occurrence limit as the most likely attachment point, but no explicit attachment point dollar figure is printed on the declarations page; confidence is medium for that field. The aggregate limit label on the declarations reads 'Aggregate Limit' without distinguishing between a general aggregate and a products-completed operations aggregate; it has been recorded under generalAggregate only. The underlying schedule also prints a $2,000,000 Products-Completed Operations Aggregate for the underlying CGL policy, but no separate products aggregate is printed for this umbrella policy itself. No schedule of forms was found on the pages provided; the declarations do not include a list of attached forms. Defense inside limits and drops-down behavior are not addressed on the pages provided — only form language would settle these, and no policy form pages were included. formBasis is set to occurrence as this is a commercial umbrella liability policy with no claims-made language present, though the policy form itself was not provided to confirm.","limits":{"eachOccurrence":{"value":15000000,"citation":{"page":1,"quote":"Each Occurrence Limit $15,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"generalAggregate":{"value":15000000,"citation":{"page":1,"quote":"Aggregate Limit $15,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","citation":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"premium":{"value":24850,"citation":{"page":1,"quote":"Annual Premium $24,850","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"per-occurrence","deductible":null,"selfInsuredRetention":{"value":10000,"citation":{"page":1,"quote":"Self-Insured Retention (Any One Occurrence) $10,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"}},"confidence":"medium","documentIds":["torvane-umbrella_quarrywood-specialty_XSU-3318842-04"],"namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"TORVANE COLD STORAGE, INC.\n41 COMMERCE PARK DRIVE\nUTICA, NY 13502","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-04","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-04","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"medium"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":2,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"coverage":{"value":"Commercial General Liability","citation":{"page":2,"quote":"Commercial General\nLiability","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"effective":{"value":"2027-03-01","citation":{"page":2,"quote":"03/01/2027 to 03/01/2028","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"expiration":{"value":"2028-03-01","citation":{"page":2,"quote":"03/01/2027 to 03/01/2028","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-04","citation":{"page":2,"quote":"Policy No. CGL 7204518-04","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"},"generalAggregate":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 General Aggregate","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-04"},"confidence":"high"}}],"defenseInsideLimits":"unknown","defenseInsideLimitsSource":null,"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":17,"failures":[],"notFound":0,"verified":17,"verifiedExact":17,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5133,"outputTokens":355,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":7816,"outputTokens":1078,"cacheReadTokens":0,"cacheWriteTokens":1191}],"reRead":false,"lossRun":{"id":"torvane-loss-run_standhope-mutual_CGL-7204518-04","notes":"The summary table on page 1 prints two columns relevant to paid and reserves: 'Loss & Expense Reserves' ($189,000) and 'Losses & Expenses Paid' ($129,000). The report does not print separate paidLoss and paidExpense columns at the period summary level; it combines them into 'Losses & Expenses Paid'. Accordingly, paidLoss and paidExpense are omitted from the period record as the report does not print them at that level of aggregation. The detail on page 2 does print per-claim loss and expense components, but those are claim-level figures and are not summed here per the no-arithmetic rule. The 'Loss & Expense Reserves' figure of $189,000 is mapped to outstandingReserves as the closest matching field; the report's own label is 'Loss & Expense Reserves'. The policy term printed as '03/01/2027 - 03/01/2028GL' appears to have 'GL' appended to the expiration date, likely a formatting artifact where the Policy Type column ('GL') ran into the date; expiration is read as 03/01/2028.","carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"periods":[{"paidLoss":null,"effective":{"value":"03/01/2027","citation":{"page":1,"quote":"03/01/2027 - 03/01/2028GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"claimCount":3,"expiration":{"value":"03/01/2028","citation":{"page":1,"quote":"03/01/2027 - 03/01/2028GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"paidExpense":null,"totalIncurred":{"value":318000,"citation":{"page":1,"quote":"$318,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"outstandingReserves":{"value":189000,"citation":{"page":1,"quote":"$189,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"}}],"asOfDate":{"value":"06/01/2027","citation":{"page":1,"quote":"Current As of Date: 06/01/2027","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"confidence":"high","documentIds":["torvane-loss-run_standhope-mutual_CGL-7204518-04"],"insuredName":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"Insured Name: TORVANE COLD STORAGE, INC.","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-04","citation":{"page":1,"quote":"CGL 7204518-04 03/01/2027 - 03/01/2028GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"grandTotalPaid":{"value":129000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $189,000   Paid: $129,000   Total Incurred: $318,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"grandTotalIncurred":{"value":318000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $189,000   Paid: $129,000   Total Incurred: $318,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"}},"document":{"id":"torvane-loss-run_standhope-mutual_CGL-7204518-04","sha256":"336afa800f3b0feae2cf3839a260a357280d5f543825414512135460c94d4074","filename":"torvane-loss-run_standhope-mutual_CGL-7204518-04.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"loss-run","notes":"Two-page loss run covering policy term 03/01/2027–03/01/2028. Three claims listed, all GL Premises/Operations, all located in Utica, NY. Document footer states this is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is fictitious.","carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"Insured Name: TORVANE COLD STORAGE, INC.","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-04","citation":{"page":1,"quote":"CGL 7204518-04 03/01/2027 - 03/01/2028GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-04"},"confidence":"high"}}},"deepSweep":null,"extraction":null,"needsHuman":null,"citationAudit":{"total":10,"failures":[],"notFound":0,"verified":10,"verifiedExact":10,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]}],"totalUsage":{"inputTokens":58258,"outputTokens":6589,"cacheReadTokens":8283,"cacheWriteTokens":1191},"instructionVersions":{"reasoning/posture.md":"93456a16a26b","extraction/classify-document.md":"1cce3142702d","extraction/loss-run-extraction.md":"6e7c57637027","extraction/declarations-extraction.md":"d67926a09631"}},"client":"Torvane Cold Storage, Inc.","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":"2026-08-24T19:43:18.225Z","sampleOrigin":true}