{"id":"review-mt9kserx","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607","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.","The reading proceeded without: Underlying policy BX-2260714 scheduled by IWC-XL-55302. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:iwc-xl-55302:bx-2260714"],"expectations":[{"id":"expectation:kh-xs-40118:gl-2214607","what":"Underlying policy GL 2214607 scheduled by KH-XS-40118","basis":"cited","source":{"page":2,"quote":"Policy No. GL 2214607","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"satisfiedByDocumentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},{"id":"expectation:iwc-xl-55302:bx-2260714","what":"Underlying policy BX-2260714 scheduled by IWC-XL-55302","basis":"cited","source":{"page":2,"quote":"Policy No. BX-2260714","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"satisfiedByDocumentId":null},{"id":"expectation:iwc-xl-55302:kh-xs-40118","what":"Underlying policy KH-XS-40118 scheduled by IWC-XL-55302","basis":"cited","source":{"page":2,"quote":"Policy No. KH-XS-40118","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"satisfiedByDocumentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},{"id":"expectation:iwc-xl-55302:gl-2214607","what":"Underlying policy GL 2214607 scheduled by IWC-XL-55302","basis":"cited","source":{"page":2,"quote":"Policy No. GL 2214607","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"satisfiedByDocumentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"}],"documentsRead":["verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02","verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","verrick-falls-loss-run_ashgrove-municipal_GL-2214607"]},"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":"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":"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":"fail","message":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"pass","message":"No provision was found capping a coverage below the policy limit.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"fail","message":"Restrictive endorsements are attached. The tower's figures stand, but what they pay for is narrowed by the provisions listed with this reading. What each one does to a specific loss is a legal reading this build does not perform.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"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":2000000,"carrier":"ASHGROVE MUNICIPAL INSURANCE COMPANY","inTower":true,"premium":186420,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"carrier":{"page":1,"quote":"ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"premium":{"page":1,"quote":"Advance Premium for this Coverage Part 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The overlapping band is paid for twice.","layerPolicyIds":["verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","scheduled-0","verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"]},{"kind":"attachment-gap","amount":10000000,"detail":"Coverage beneath IWC-XL-55302 exhausts at 7,000,000 but it does not begin paying until 17,000,000. The insured carries that band.","layerPolicyIds":["verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"]}],"restrictions":[{"label":"Total Pollution Exclusion","where":"endorsement","source":"policy-language","citation":{"page":2,"quote":"AM GL 41 02 03 24 Total Pollution Exclusion","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"policyId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","subLimit":null,"formNumber":"AM GL 41 02","alsoProvisions":[],"carrierNoticedReduction":true},{"label":"Total Pollution Exclusion","where":"endorsement","source":"policy-language","citation":{"page":2,"quote":"AM GL 00 20 01 24 Total Pollution Exclusion","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"policyId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","subLimit":null,"formNumber":"AM GL 00 20","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"loss-run","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":858000,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"no","underlyingScheduleCount":4,"formsWithNoRestrictionFound":3},"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":2,"quote":"Policy No. BX-2260714","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"}],"dependsOn":["expectation:iwc-xl-55302:bx-2260714"],"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":2,"quote":"Policy No. BX-2260714","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"}],"dependsOn":["expectation:iwc-xl-55302:bx-2260714"],"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.carrier-reduced-coverage","layer":"global","impact":"Did the carrier give notice that it reduced this coverage?","ruleId":"global.carrier-reduced-coverage","degraded":false,"evidence":[{"page":2,"quote":"AM GL 41 02 03 24 Total Pollution Exclusion","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"}],"dependsOn":[],"statement":"The carrier issued notice that coverage previously granted has been reduced or removed. These are the carrier's own words, not a reading of the policy, and they are listed with this reading. pollution.","ruleVersion":"e3496ae3227a"},{"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-mt9kserx","decisions":[],"unanswered":[],"observations":[{"id":"observation-verrick-falls-loss-run_ashgrove-municipal_GL-2214607-erosion","evidence":[{"page":2,"quote":"Policy Totals Reserves: $580,000 Paid: $278,000 Total Incurred: $858,000","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"}],"statement":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607.pdf, valued 08/01/2026, erodes the GL 2214607 general aggregate by $858,000 of incurred losses: $3,142,000 of the printed $4,000,000 remains. Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"id":"observation-verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607-classifier","evidence":[],"statement":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607.pdf, from the classifier: Page 1 is the declarations page with limits of insurance and premium. Page 2 is a Forms and Endorsements Schedule listing five forms attached to the policy. Both pages bear policy number GL 2214607 and named insured CITY OF VERRICK FALLS. The document is typed as declarations because page 1 is the dominant character; page 2 is an embedded schedule-of-forms. The footer on both pages states this is a synthetic document written for a product demonstration and is not a carrier form.","packetComplete":false},{"id":"observation-verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02-unjoined","evidence":[],"statement":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02.pdf classified as endorsement (general-liability). Recorded, not extracted: only declarations carry tower fields.","packetComplete":false},{"id":"observation-verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02-classifier","evidence":[],"statement":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02.pdf, from the classifier: Total Pollution Exclusion endorsement, form AM GL 41 02, edition 03 24, effective 01/01/2026, modifying the Public Entity General liability Coverage Part. Document footer states this is a synthetic document written for product demonstration purposes and is not a carrier form.","packetComplete":false},{"id":"observation-verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118-classifier","evidence":[],"statement":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118.pdf, from the classifier: Two-page document: page 1 is the First Excess Liability Declarations page; page 2 is the Schedule of Underlying Insurance for the same policy (KH-XS-40118). The underlying policy is a Public Entity General Liability policy with Ashgrove Municipal Insurance Company, Policy No. GL 2214607. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form.","packetComplete":false},{"id":"observation-verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302-classifier","evidence":[],"statement":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302.pdf, from the classifier: Page 1 is the Third Excess Liability Declarations for policy IWC-XL-55302. Page 2 is a Schedule of Underlying Insurance attached to the same policy, listing three underlying policies: (1) Second Excess Liability, BELLWEATHER EXCESS INSURANCE COMPANY, Policy No. BX-2260714; (2) First Excess Liability, KESTREL HARBOR INDEMNITY COMPANY, Policy No. KH-XS-40118; (3) Public Entity General Liability, ASHGROVE MUNICIPAL INSURANCE COMPANY, Policy No. GL 2214607. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","packetComplete":false},{"id":"observation-verrick-falls-loss-run_ashgrove-municipal_GL-2214607-classifier","evidence":[],"statement":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607.pdf, from the classifier: Two-page business loss run for policy term 01/01/2026–01/01/2027. Page 1 is the summary; page 2 is the claim detail. Three GL Premises/Operations claims shown: two open, one closed. Document footer states this is a synthetic document written for a product demonstration and that every company, policy, and claim is fictitious.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5010,"outputTokens":357,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12731,"outputTokens":2299,"cacheReadTokens":0,"cacheWriteTokens":2349},{"model":"claude-haiku-4-5","inputTokens":5026,"outputTokens":126,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","sha256":"0b8b2a9c956efb54dbf06d171e6ff4a5679244c9f9fdb15b40ae2a4b71454a96","filename":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Page 1 is the declarations page with limits of insurance and premium. 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The footer on both pages states this is a synthetic document written for a product demonstration and is not a carrier form.","carrier":{"value":"ASHGROVE MUNICIPAL INSURANCE COMPANY","citation":{"page":1,"quote":"ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"CITY OF VERRICK FALLS","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"policyNumber":{"value":"GL 2214607","citation":{"page":1,"quote":"POLICY NUMBER: GL 2214607","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","role":"primary","term":{"effective":{"value":"2026-01-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM JANUARY 1, 2026 TO JANUARY 1, 2027","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"expiration":{"value":"2027-01-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM JANUARY 1, 2026 TO JANUARY 1, 2027","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}},"notes":"This is a primary public entity general liability policy with no underlying schedule. Attachment point is null as appropriate for a primary policy. No deductible or self-insured retention is printed on the declarations page; the retention field reflects that absence. The forms schedule appears complete on page 2 as a full 2-of-2 page document. A total pollution exclusion endorsement (AM GL 41 02 03 24) is attached, which may restrict coverage relative to a standard CGL form, but the exclusion form itself was not provided so its precise scope cannot be read here. dropsDownOnUnderlyingExhaustion is unknown because this is a primary policy with no underlying insurance and the question is not applicable; no language addressing drops-down was found in the provided pages.","limits":{"eachOccurrence":{"value":2000000,"citation":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":{"value":2000000,"citation":{"page":1,"quote":"Personal and 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