{"id":"review-mt8vxdb6","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03","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-3318842-03:cgl-7204518-03","what":"Underlying policy CGL 7204518-03 scheduled by XSU 3318842-03","basis":"cited","source":{"page":2,"quote":"Policy No. CGL 7204518-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"satisfiedByDocumentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"}],"documentsRead":["torvane-gl-declarations_standhope-mutual_CGL-7204518-03","torvane-umbrella_quarrywood-specialty_XSU-3318842-03","torvane-loss-run_standhope-mutual_CGL-7204518-03"]},"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":41388,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"carrier":{"page":1,"quote":"STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"premium":{"page":1,"quote":"Advance Premium for this Coverage Part $41,388","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: CGL 7204518-03","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) 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$1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"joinDeterminedByPerson":false,"remainingGeneralAggregate":760000},"generalAggregate":2000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":1000000,"productsCompletedOpsAggregate":2000000},{"line":null,"role":"umbrella","limit":10000000,"carrier":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","inTower":true,"premium":18750,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"carrier":{"page":1,"quote":"QUARRYWOOD SPECIALTY INSURANCE COMPANY","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"premium":{"page":1,"quote":"Annual Premium $18,750","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"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-7204518-03-erosion","evidence":[{"page":2,"quote":"Policy Totals   Reserves: $655,000   Paid: $585,000   Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"}],"statement":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf, valued 08/01/2026, erodes the CGL 7204518-03 general aggregate by $1,240,000 of incurred losses: $760,000 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-7204518-03-classifier","evidence":[],"statement":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03.pdf, from the classifier: Document is a two-page packet: page 1 is the Commercial General Liability Declarations and page 2 is the Forms and Endorsements Schedule. Both pages share the same policy number CGL 7204518-03. The document is classified as declarations because page 1 carries the named insured, policy period, and limits table; the schedule of forms on page 2 is an integral part of the declarations packet rather than a standalone document. The footer on both pages states this is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","packetComplete":false},{"id":"observation-torvane-umbrella_quarrywood-specialty_XSU-3318842-03-classifier","evidence":[],"statement":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03.pdf, from the classifier: Page 1 is the Commercial Umbrella Liability Declarations. Page 2 is the Schedule of Underlying Insurance listing one underlying policy: Commercial General Liability with Standhope Mutual Insurance Company, Policy No. CGL 7204518-03, 03/01/2026 to 03/01/2027. 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All claims arise under the Commercial General Liability coverage part per the document's own notation.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5037,"outputTokens":380,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12758,"outputTokens":2242,"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-7204518-03","sha256":"4e2470b80b94f172a5ffb882084fa2a3b9ab7b66d2086cdb7592d13597bd4ecc","filename":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03.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 and page 2 is the Forms and Endorsements Schedule. 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No attachment point applies. No retention (deductible or SIR) is printed on the declarations page. No schedule of underlying insurance is present, as expected for a primary policy. The per-project aggregate endorsement is not listed in the forms schedule. The drop-down field is not applicable to a primary policy and is returned as unknown because the policy language is not provided. Defense-outside-limits is explicitly stated on the declarations page.","limits":{"eachOccurrence":{"value":1000000,"citation":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"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-7204518-03"},"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-7204518-03"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":2000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit 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Us","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"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-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM GL 24 04","citation":{"page":2,"quote":"SM GL 24 04","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"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-7204518-03"},"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-7204518-03"},"confidence":"high"},"formNumber":{"value":"SM IL 09 85","citation":{"page":2,"quote":"SM IL 09 85","documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03"},"confidence":"high"}}],"attachmentPoint":null,"retroactiveDate":null,"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the 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1 is the Commercial Umbrella Liability Declarations. Page 2 is the Schedule of Underlying Insurance listing one underlying policy: Commercial General Liability with Standhope Mutual Insurance Company, Policy No. CGL 7204518-03, 03/01/2026 to 03/01/2027. Document footer states this 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-3318842-03"},"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-3318842-03"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-03","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","role":"umbrella","term":{"effective":{"value":"2026-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"expiration":{"value":"2027-03-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM MARCH 1, 2026 TO MARCH 1, 2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"}},"notes":"Role is umbrella based on the title 'COMMERCIAL UMBRELLA LIABILITY DECLARATIONS' on page 1. The policy states it 'provides coverage following the form of the underlying insurance' and 'applies in excess of that underlying insurance,' which is consistent with umbrella treatment but does not explicitly resolve follow-form excess vs. umbrella drop-down mechanics, so defenseInsideLimits and dropsDownOnUnderlyingExhaustion are returned as unknown. The attachment point of $1,000,000 is inferred from the underlying CGL each occurrence limit on page 2; no separate 'attachment point' figure is printed on the declarations page itself, hence medium confidence. The underlying schedule also shows a Products-Completed Operations Aggregate of $2,000,000 ($2,000,000 Products-Completed Operations Aggregate, page 2) which is not captured in the underlyingSchedule schema fields but is noted here. The declarations page prints an Aggregate Limit of $10,000,000 for this umbrella; it is not separately labeled as general aggregate vs. products aggregate, so only generalAggregate is populated. No schedule of forms was found on the pages provided. formBasis is returned as occurrence because no claims-made language appears anywhere in the provided pages, but the policy forms were not provided so this cannot be confirmed from base-form language.","limits":{"eachOccurrence":{"value":10000000,"citation":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"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-3318842-03"},"confidence":"high"},"premium":{"value":18750,"citation":{"page":1,"quote":"Annual Premium $18,750","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"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-3318842-03"},"confidence":"high"}},"confidence":"medium","documentIds":["torvane-umbrella_quarrywood-specialty_XSU-3318842-03"],"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-3318842-03"},"confidence":"high"},"policyNumber":{"value":"XSU 3318842-03","citation":{"page":1,"quote":"POLICY NUMBER: XSU 3318842-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"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-3318842-03"},"confidence":"high"},"coverage":{"value":"Commercial General Liability","citation":{"page":2,"quote":"Commercial General\nLiability","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"effective":{"value":"2026-03-01","citation":{"page":2,"quote":"03/01/2026 to 03/01/2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"expiration":{"value":"2027-03-01","citation":{"page":2,"quote":"03/01/2026 to 03/01/2027","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":2,"quote":"Policy No. CGL 7204518-03","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"eachOccurrence":{"value":1000000,"citation":{"page":2,"quote":"$1,000,000 Each Occurrence","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"confidence":"high"},"generalAggregate":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 General Aggregate","documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03"},"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":5253,"outputTokens":395,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":7936,"outputTokens":1115,"cacheReadTokens":1191,"cacheWriteTokens":0}],"reRead":false,"lossRun":{"id":"torvane-loss-run_standhope-mutual_CGL-7204518-03","notes":"The Loss Run Summary on page 1 prints columns labeled 'Loss & Expense Reserves' ($655,000) and 'Losses & Expenses Paid' ($585,000) for the single policy period. The schema fields paidLoss and paidExpense are not separately printed in the summary table; the report prints only a combined 'Losses & Expenses Paid' figure. The detail on page 2 prints per-claim Losses Paid and Expenses Paid separately but does not aggregate these into period-level subtotals. Accordingly, paidLoss and paidExpense are omitted from the period record, as no period-level combined or separated figures can be cited without performing arithmetic. The outstandingReserves field is populated from the printed 'Loss & Expense Reserves' column ($655,000, page 1), which the report labels as combining loss and expense reserves. The page 1 summary Totals row prints the same figures as the single period row, consistent with one period reported. The page 2 Policy Totals row confirms Reserves: $655,000, Paid: $585,000, Total Incurred: $1,240,000. The report covers one policy number only. The document footer states it is a synthetic document for product demonstration purposes; this is noted but does not affect transcription.","carrier":{"value":"STANDHOPE MUTUAL INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: STANDHOPE MUTUAL INSURANCE COMPANY","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"periods":[{"paidLoss":null,"effective":{"value":"03/01/2026","citation":{"page":1,"quote":"03/01/2026 - 03/01/2027GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"claimCount":4,"expiration":{"value":"03/01/2027","citation":{"page":1,"quote":"03/01/2026 - 03/01/2027GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"paidExpense":null,"totalIncurred":{"value":1240000,"citation":{"page":1,"quote":"$1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"outstandingReserves":{"value":655000,"citation":{"page":1,"quote":"$655,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"}}],"asOfDate":{"value":"08/01/2026","citation":{"page":1,"quote":"Current As of Date: 08/01/2026","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"confidence":"high","documentIds":["torvane-loss-run_standhope-mutual_CGL-7204518-03"],"insuredName":{"value":"TORVANE COLD STORAGE, INC.","citation":{"page":1,"quote":"Insured Name: TORVANE COLD STORAGE, INC.","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"policyNumber":{"value":"CGL 7204518-03","citation":{"page":1,"quote":"CGL 7204518-03 03/01/2026 - 03/01/2027GL","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"grandTotalPaid":{"value":585000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $655,000   Paid: $585,000   Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"},"grandTotalIncurred":{"value":1240000,"citation":{"page":2,"quote":"Policy Totals   Reserves: $655,000   Paid: $585,000   Total Incurred: $1,240,000","documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03"},"confidence":"high"}},"document":{"id":"torvane-loss-run_standhope-mutual_CGL-7204518-03","sha256":"e05cc89b372a6b2cbf7ae80b1d0942629d5634bd18070279ac967615505ed048","filename":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"loss-run","notes":"Two-page loss run for policy term 03/01/2026–03/01/2027. Page 1 contains summary; page 2 contains claim detail for 4 GL Premises/Operations claims. Document footer states: 'SYNTHETIC DOCUMENT WRITTEN FOR THE COVERAGECHECK PRODUCT DEMONSTRATION. NOT A CARRIER FORM. EVERY COMPANY, POLICY, AND CLAIM SHOWN IS FICTITIOUS.' 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