{"id":"review-mt8vyzbf","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","pagesSwept":21,"pagesTotal":51,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The reading proceeded without: Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01; Underlying policy TB2‐641‐445533‐030 scheduled by 42-XSF-310461-01; Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01; Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01; Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"expectations":[{"id":"expectation:42-xsf-310461-01:tb2-641-445533-040","what":"Underlying policy TB2‐641‐445533‐040 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:tb2-641-445533-030","what":"Underlying policy TB2‐641‐445533‐030 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wa7-64d-445533-010","what":"Underlying policy WA7‐64D‐445533‐010 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:wc7-641-445533-020","what":"Underlying policy WC7‐641‐445533‐020 scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":8,"quote":"Policy #WC7‐641‐445533‐020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null},{"id":"expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies","what":"Underlying policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES, no policy number printed, scheduled by 42-XSF-310461-01","basis":"cited","source":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"satisfiedByDocumentId":null}],"documentsRead":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},"answers":[{"state":"fail","message":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"cannot-determine","message":"Fewer than two policies carry a named insured, so there is nothing to compare.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"fail","message":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"pass","message":"Defense costs are payable in addition to the limits, so legal spend does not reduce what is available to pay a claim.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"fail","message":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":"Employer's Liability US ‐ United States","role":"unknown","limit":1000000,"carrier":"Liberty Insurance Corporation","inTower":false,"premium":null,"sources":{"limit":{"page":7,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-2","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2023-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WA7‐64D‐445533‐010","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"Employer's Liability US ‐ United States (MN Only)","role":"unknown","limit":1000000,"carrier":"Liberty Insurance Corporation","inTower":false,"premium":null,"sources":{"limit":{"page":8,"quote":"$1,000,000 Each Accident","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":8,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":8,"quote":"Policy #WC7‐641‐445533‐020","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-3","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2021-03-01","formNumbers":[],"namedInsured":null,"policyNumber":"WC7‐641‐445533‐020","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's +$15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"premium":null,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-0","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"TB2‐641‐445533‐040","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"General Liability US ‐ United States (CV's $1m‐$15m)","role":"unknown","limit":5000000,"carrier":"Liberty Mutual Fire Insurance Company","inTower":true,"premium":null,"sources":{"limit":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-1","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":"TB2‐641‐445533‐030","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":"LEAD UMBRELLA","role":"unknown","limit":25000000,"carrier":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","inTower":true,"premium":null,"sources":{"limit":{"page":27,"quote":"$25,000,000 EACH OCCURRENCE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":27,"quote":"BERKSHIRE HATHAWAY HOMESTATE COMPANIES","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":27,"quote":"TO BE FURNISHED","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":27,"quote":"$25,000,000 AGGREGATE LIMIT","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"scheduled-4","effective":"2020-03-01","formBasis":"unknown","deductible":null,"expiration":"2027-03-31","formNumbers":[],"namedInsured":null,"policyNumber":null,"scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":25000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":25000000,"carrier":"National Fire & Marine Insurance Company","inTower":true,"premium":null,"sources":{"limit":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"carrier":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyNumber":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"attachmentPoint":{"page":7,"quote":"SCHEDULE OF UNDERLYING INSURANCE: FOLLOWED POLICY:","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"generalAggregate":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"productsCompletedOpsAggregate":{"page":1,"quote":"C. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","effective":"2020-03-01","formBasis":"occurrence","deductible":null,"expiration":"2027-03-31","formNumbers":["FF‐XS‐DEC‐10/2014","CLP‐UN‐016‐07/2013","FFP‐XS‐001‐10/2014","FFP‐XS‐002‐11/2014","CL‐UN‐083‐01/2015","CL‐UN‐156‐01/2015","FFP‐XS‐013‐07/2014","FF‐XS‐026‐02/2016","CL‐UN‐185‐12/2015","CL‐UN‐075‐12/2016","MANUSCRIPT","MANUSCRIPT"],"namedInsured":"J.E. Dunn Construction Group, Inc.","policyNumber":"42-XSF-310461-01","scheduledOnly":false,"attachmentPoint":25000000,"exhaustionPoint":50000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":50000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names TB2‐641‐445533‐040, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names TB2‐641‐445533‐030, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WA7‐64D‐445533‐010, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names WC7‐641‐445533‐020, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-3"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 42-XSF-310461-01 names a policy from BERKSHIRE HATHAWAY HOMESTATE COMPANIES at 25,000,000 each occurrence, with no policy number printed, which was not provided.","layerPolicyIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","scheduled-4"]},{"kind":"attachment-gap","amount":20000000,"detail":"TB2‐641‐445533‐040 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-0","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"attachment-gap","amount":20000000,"detail":"TB2‐641‐445533‐030 exhausts at 5,000,000 on its line, 42-XSF-310461-01 does not pay until 25,000,000, and 42-XSF-310461-01 states that it does not drop down when an underlying exhausts. The insured carries that 20,000,000 band.","layerPolicyIds":["scheduled-1","jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2023-03-01 on WA7‐64D‐445533‐010), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-2"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2020-03-01 to 2027-03-31 on TB2‐641‐445533‐040, 2020-03-01 to 2021-03-01 on WC7‐641‐445533‐020), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-0","scheduled-3"]}],"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","source":"policy-language","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":1000000,"formNumber":"CL ‐ UN ‐ 083 ‐ 01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply Per Schedule (New York Territory)","where":"endorsement","source":"policy-language","citation":{"page":12,"quote":"Territory(ies): New York","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"CL ‐ UN ‐ 156 ‐ 01/2015","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","source":"policy-language","citation":{"page":13,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FFP ‐ XS ‐ 013 ‐ 07/2014","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","source":"policy-language","citation":{"page":14,"quote":"This policy does not apply to \" bodily injury \" , \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a . unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non ‐ public c o n f i d e n t i a l o r p e r s o n a l i n f o r m a t i o n","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"FF ‐ XS ‐ 026 ‐ 02/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":19,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":100000000000,"formNumber":"CL ‐ UN ‐ 075 ‐ 12/2016","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","source":"policy-language","citation":{"page":23,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, directly or indirectly, any premises if all or part of those premises are or were at any time, whether before or after the effective dates of this policy, used, occupied, listed, marketed, rented or sold as a residential premises.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"policyId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","subLimit":null,"formNumber":"Manuscript","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"no","underlyingScheduleCount":5,"formsWithNoRestrictionFound":5},"findings":[{"id":"finding-global.attachment-continuity","layer":"global","impact":"Does every layer attach where the layer beneath it exhausts?","ruleId":"global.attachment-continuity","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"At least one layer does not begin where the layer beneath it ends. Either an unfunded band sits inside the tower and the insured carries it, or two layers overlap and part of the stack is bought twice. The tower says which, and where.","ruleVersion":"cbb148ade44b"},{"id":"finding-global.underlying-provided","layer":"global","impact":"Was every policy named in a schedule of underlying insurance provided?","ruleId":"global.underlying-provided","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"},{"id":"finding-global.term-concurrency","layer":"global","impact":"Do all layers run on the same policy period?","ruleId":"global.term-concurrency","degraded":true,"evidence":[{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},{"page":7,"quote":"Policy #WA7‐64D‐445533‐010","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":["expectation:42-xsf-310461-01:tb2-641-445533-040","expectation:42-xsf-310461-01:tb2-641-445533-030","expectation:42-xsf-310461-01:wa7-64d-445533-010","expectation:42-xsf-310461-01:wc7-641-445533-020","expectation:42-xsf-310461-01:berkshire-hathaway-homestate-companies"],"statement":"Layers run on different terms. The tower changes shape partway through the year, and a loss is covered by whatever stack existed on the date it occurred.","ruleVersion":"57030f9e857f"},{"id":"finding-global.coverage-capped-below-limit","layer":"global","impact":"Is any coverage capped below the policy limit?","ruleId":"global.coverage-capped-below-limit","degraded":false,"evidence":[{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"}],"dependsOn":[],"statement":"One or more coverages are capped well below the headline limit. The tower's figures are correct for what they cover, and these caps are what the policy actually pays for those exposures. Act of Terrorism Self-Insured Retention is capped at 1,000,000.","ruleVersion":"485c5e73f822"},{"id":"finding-global.endorsements-restrict","layer":"global","impact":"Do the attached endorsements restrict this coverage?","ruleId":"global.endorsements-restrict","degraded":false,"evidence":[],"dependsOn":[],"statement":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","ruleVersion":"86033228d3f6"}],"reviewId":"review-mt8vyzbf","decisions":[],"unanswered":[{"reason":"Fewer than two policies carry a named insured, so there is nothing to compare.","questionId":"global.same-named-insured"},{"reason":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","questionId":"global.aggregate-impairment-known"}],"observations":[{"id":"observation-shallow-global.defense-outside-limits","evidence":[],"statement":"\"Are defense costs payable in addition to the limits?\" is answered from policy language, and 21 pages were read as text for schedules and declarations values rather than examined. The answer stands on the pages that were read in full.","packetComplete":false},{"id":"observation-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-classifier","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf, from the classifier: This PDF contains multiple distinct policies/documents. The dominant document (pages 1–24) is the National Fire & Marine Insurance Company Follow Form Excess Liability declarations (Policy No. 42‐XSF‐310461‐01) with its forms schedule, coverage form, and endorsements. Pages 25–28 contain a second, separate Excess Liability Policy Declarations and schedule of underlying insurance issued by The Ohio Casualty Insurance Company (Liberty Mutual Insurance), Policy No. ECO (27) 60 81 04 20, for the same named insured. Pages 29–30 are a degraded-scan coverage form (CE 65 24 06 97 Excess Liability Coverage Form) associated with the Ohio Casualty policy. Classification is based on the dominant first document; the presence of a second policy and its forms is noted here for downstream handling. Confidence is medium because the packet contains two distinct policies that should be split.","packetComplete":false},{"id":"observation-jedunn-excess-liability_national-fire-marine_42-XSF-310461-01-truncated","evidence":[],"statement":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf: pages 1 to 30 were read in full, and all 50 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions; 1 schedule entry were found that the front pages did not carry. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":62647,"outputTokens":467,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":70368,"outputTokens":5913,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":27715,"outputTokens":3006,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":8473,"outputTokens":494,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","sha256":"b6cad50544fa1b8ba25ecced1f14101243e917e49c9894b8995c803f4c926e1c","filename":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"This PDF contains multiple distinct policies/documents. The dominant document (pages 1–24) is the National Fire & Marine Insurance Company Follow Form Excess Liability declarations (Policy No. 42‐XSF‐310461‐01) with its forms schedule, coverage form, and endorsements. Pages 25–28 contain a second, separate Excess Liability Policy Declarations and schedule of underlying insurance issued by The Ohio Casualty Insurance Company (Liberty Mutual Insurance), Policy No. ECO (27) 60 81 04 20, for the same named insured. Pages 29–30 are a degraded-scan coverage form (CE 65 24 06 97 Excess Liability Coverage Form) associated with the Ohio Casualty policy. Classification is based on the dominant first document; the presence of a second policy and its forms is noted here for downstream handling. Confidence is medium because the packet contains two distinct policies that should be split.","carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"pageCount":51,"confidence":"medium","namedInsured":{"value":"J.E. Dunn Construction Group, Inc.","citation":{"page":1,"quote":"J.E. Dunn Construction Group, Inc.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"42‐XSF‐310461‐01","citation":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}},"deepSweep":{"found":1,"pages":50,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01","role":"excess","term":{"effective":{"value":"2020-03-01","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":1,"quote":"From: 03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},"notes":"This document contains two separate policies: (1) National Fire & Marine Insurance Company policy 42-XSF-310461-01 (pages 1-24), which is the primary subject of this extraction, and (2) The Ohio Casualty Insurance Company policy ECO (27) 60 81 04 20 (pages 25-30), which is a separate excess policy also covering J.E. Dunn Construction Group, Inc. The Ohio Casualty policy is NOT extracted here as it is a separate policy document.\n\nThe Limits of Insurance on the declarations page (page 1) show $25,000,000 per occurrence and aggregates, but these are superseded by the manuscript Limits of Insurance Modification endorsement (pages 20-22), which sets differentiated limits based on project construction value: for CVs $1m-$15m: $25M per occurrence, $50M general aggregate (per project/per policy year), $100M general aggregate maximum (per policy year), $100M products-completed operations hazard aggregate; for CVs >$15M: $25M per occurrence, $50M general aggregate (per project/per policy year), $50M products-completed operations hazard aggregate (per project). The per occurrence limit of $25,000,000 is consistent across both tiers.\n\nThe attachment point is not stated as a single dollar figure on this policy; instead Item 4 (Followed Policy) references 'See attached underlying schedule.' The underlying schedule lists Liberty Mutual GL policies with $5M per occurrence limits and Employer's Liability at $1M. The policy does not print a single consolidated attachment point figure.\n\nDefense treatment: The policy states 'Defense costs and expenses shall operate in an identical manner to the \"followed policy\".' The underlying schedule notes 'Defense Treatment: Outside the Limit' for all listed underlying policies. Since this is a follow-form excess, and the underlying policies pay defense outside the limit, this policy does the same - answered 'no' for defenseInsideLimits.\n\nThe drops-down question: The policy language at Section II states obligations attach only after the retained limit 'has in fact been exhausted by payment' and the risk of uncollectability 'is expressly retained by the insured.' This indicates the policy does NOT drop down on underlying exhaustion (for example, insolvency), answered 'no.'\n\nPremium: All premium fields on page 1 and the Composite Rate Endorsement (page 16) are blank - no dollar amounts are printed. Premium is null.\n\nThe terrorism self-insured retention endorsement (CL-UN-083-01/2015) establishes a $1,000,000 SIR for acts of terrorism specifically; this is not a general policy SIR and is not extracted into the retention fields to avoid misrepresentation of the general retention structure.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":1,"quote":"A. Per Occurrence $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"generalAggregate":{"value":25000000,"citation":{"page":1,"quote":"B. Aggregate Limit, except Auto: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":1,"quote":"C. Products‐Completed Operations Aggregate Limit: $25,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"medium"}},"carrier":{"value":"National Fire & Marine Insurance Company","citation":{"page":1,"quote":"National Fire & Marine Insurance Company\n1314 Douglas Street, Suite 1400\nOmaha, NE 68102‐1944","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"premium":null,"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"medium","documentIds":["jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"],"namedInsured":{"value":"J.E. Dunn Construction Group, Inc.","citation":{"page":1,"quote":"J.E. Dunn Construction Group, Inc.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"42-XSF-310461-01","citation":{"page":1,"quote":"Policy No.: 42‐XSF‐310461‐01","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"restrictions":[{"label":"Act of Terrorism Self-Insured Retention","where":"endorsement","citation":{"page":9,"quote":"Act of \"Terrorism\" Self ‐ Insured Retention: $1,000,000","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":1000000,"formNumber":"CL ‐ UN ‐ 083 ‐ 01/2015","carrierNoticedReduction":false},{"label":"Limitation - Coverage Does Not Apply Per Schedule (New York Territory)","where":"endorsement","citation":{"page":12,"quote":"Territory(ies): New York","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"CL ‐ UN ‐ 156 ‐ 01/2015","carrierNoticedReduction":false},{"label":"Workers' Compensation And Similar Laws Exclusion","where":"endorsement","citation":{"page":13,"quote":"This insurance does not apply to any \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \" suit \" caused by, resulting from, or with respect to any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"FFP ‐ XS ‐ 013 ‐ 07/2014","carrierNoticedReduction":false},{"label":"Confidential or Personal Information Disclosure Exclusion","where":"endorsement","citation":{"page":14,"quote":"This policy does not apply to \" bodily injury \" , \"property damage\", \"personal and advertising injury\", or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, resulting from, or in any way related to any actual or alleged: a . unauthorized or improper access to, collection, use or disclosure of, or failure to protect any non ‐ public c o n f i d e n t i a l o r p e r s o n a l i n f o r m a t i o n","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"FF ‐ XS ‐ 026 ‐ 02/2016","carrierNoticedReduction":false},{"label":"Cap On Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":19,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":100000000000,"formNumber":"CL ‐ UN ‐ 075 ‐ 12/2016","carrierNoticedReduction":false},{"label":"Residential Construction Exclusion","where":"endorsement","citation":{"page":23,"quote":"This policy does not apply to \"bodily injury\", \"property damage\", \"personal and advertising injury\" or any other loss, cost, defense fee, expense, injury, damage, claim, dispute or \"suit\", however caused, in whole or in part arising out of, directly or indirectly, any premises if all or part of those premises are or were at any time, whether before or after the effective dates of this policy, used, occupied, listed, marketed, rented or sold as a residential premises.","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"subLimit":null,"formNumber":"Manuscript","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Follow Form Excess Liability Common Policy Declarations","citation":{"page":3,"quote":"Follow Form Excess Liability Common Policy 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Schedule","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":{"value":"07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"formNumber":{"value":"CLP‐UN‐016‐07/2013","citation":{"page":3,"quote":"CLP‐UN‐016‐07/2013","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"title":{"value":"Follow Form Excess Liability Policy","citation":{"page":3,"quote":"Follow Form Excess Liability 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Exclusion","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"edition":null,"formNumber":{"value":"Manuscript","citation":{"page":3,"quote":"Manuscript","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}}],"attachmentPoint":{"value":25000000,"citation":{"page":7,"quote":"SCHEDULE OF UNDERLYING INSURANCE: FOLLOWED POLICY:","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"low"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"General Liability US ‐ United States (CV's +$15m)","citation":{"page":7,"quote":"General Liability\nUS ‐ United States\n(CV's +$15m)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"TB2‐641‐445533‐040","citation":{"page":7,"quote":"Policy #TB2‐641‐445533‐040","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Mutual Fire Insurance Company","citation":{"page":7,"quote":"Liberty Mutual Fire Insurance Company","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"General Liability US ‐ United States (CV's $1m‐$15m)","citation":{"page":7,"quote":"General Liability\nUS ‐ United States\n(CV's $1m‐$15m)","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"effective":{"value":"2020-03-01","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"expiration":{"value":"2027-03-31","citation":{"page":7,"quote":"03/01/2020 to 03/31/2027","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"policyNumber":{"value":"TB2‐641‐445533‐030","citation":{"page":7,"quote":"Policy #TB2‐641‐445533‐030","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":7,"quote":"$5,000,000 Per Occurrence","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":7,"quote":"$10,000,000 General Aggregate Per Project/Per Policy Year","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"}},{"carrier":{"value":"Liberty Insurance Corporation","citation":{"page":7,"quote":"Liberty Insurance Corporation","documentId":"jedunn-excess-liability_national-fire-marine_42-XSF-310461-01"},"confidence":"high"},"coverage":{"value":"Employer's Liability US ‐ United 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