{"id":"review-mt9kt6va","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"alder-point-gl-endorsement_brackenridge-mutual_BM-GL-38-17","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"alder-point-first-excess_halstead-bay-specialty_HB-XS-71204","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"alder-point-second-excess_colverne-national_CN-XL-880461","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:hb-xs-71204:cgl-5580394","what":"Underlying policy CGL 5580394 scheduled by HB-XS-71204","basis":"cited","source":{"page":2,"quote":"Policy No. CGL 5580394","documentId":"alder-point-first-excess_halstead-bay-specialty_HB-XS-71204"},"satisfiedByDocumentId":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394"},{"id":"expectation:cn-xl-880461:hb-xs-71204","what":"Underlying policy HB-XS-71204 scheduled by CN-XL-880461","basis":"cited","source":{"page":2,"quote":"Policy No. HB-XS-71204","documentId":"alder-point-second-excess_colverne-national_CN-XL-880461"},"satisfiedByDocumentId":"alder-point-first-excess_halstead-bay-specialty_HB-XS-71204"},{"id":"expectation:cn-xl-880461:cgl-5580394","what":"Underlying policy CGL 5580394 scheduled by CN-XL-880461","basis":"cited","source":{"page":2,"quote":"Policy No. CGL 5580394","documentId":"alder-point-second-excess_colverne-national_CN-XL-880461"},"satisfiedByDocumentId":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394"}],"documentsRead":["alder-point-gl-declarations_brackenridge-mutual_CGL-5580394","alder-point-gl-endorsement_brackenridge-mutual_BM-GL-38-17","alder-point-first-excess_halstead-bay-specialty_HB-XS-71204","alder-point-second-excess_colverne-national_CN-XL-880461"]},"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":"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":"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":"cannot-determine","message":"No policy document states how much of the aggregate has been consumed, so the tower assumes full limits are available. A loss run from the carrier is the only thing that settles it.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":null,"role":"primary","limit":1000000,"carrier":"BRACKENRIDGE MUTUAL INSURANCE COMPANY","inTower":true,"premium":128640,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $1,000,000","documentId":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394"},"carrier":{"page":1,"quote":"BRACKENRIDGE MUTUAL INSURANCE COMPANY","documentId":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394"},"premium":{"page":1,"quote":"Advance Premium for this Coverage Part $128,640","documentId":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: CGL 5580394","documentId":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other 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INC.","policyNumber":"HB-XS-71204","scheduledOnly":false,"attachmentPoint":1000000,"exhaustionPoint":11000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":15000000,"carrier":"COLVERNE NATIONAL INSURANCE COMPANY","inTower":true,"premium":22750,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $15,000,000","documentId":"alder-point-second-excess_colverne-national_CN-XL-880461"},"carrier":{"page":1,"quote":"COLVERNE NATIONAL INSURANCE COMPANY","documentId":"alder-point-second-excess_colverne-national_CN-XL-880461"},"premium":{"page":1,"quote":"Annual Premium $22,750","documentId":"alder-point-second-excess_colverne-national_CN-XL-880461"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: 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the year.","layerPolicyIds":["alder-point-gl-declarations_brackenridge-mutual_CGL-5580394","alder-point-second-excess_colverne-national_CN-XL-880461"]}],"restrictions":[],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"no","underlyingScheduleCount":3,"formsWithNoRestrictionFound":5},"findings":[{"id":"finding-global.term-concurrency","layer":"global","impact":"Do all layers run on the same policy period?","ruleId":"global.term-concurrency","degraded":false,"evidence":[],"dependsOn":[],"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"}],"reviewId":"review-mt9kt6va","decisions":[],"unanswered":[{"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-alder-point-gl-declarations_brackenridge-mutual_CGL-5580394-classifier","evidence":[],"statement":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394.pdf, from the classifier: Page 1 is the Commercial General Liability Declarations page. Page 2 is a Forms and Endorsements Schedule attached to the same policy (CGL 5580394). The document is classified as 'declarations' because page 1 is the dominant character of the packet and carries the named insured, limits, and premium. The schedule of forms on page 2 is part of the same declarations packet. The footer on both pages notes this is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","packetComplete":false},{"id":"observation-alder-point-gl-endorsement_brackenridge-mutual_BM-GL-38-17-unjoined","evidence":[],"statement":"alder-point-gl-endorsement_brackenridge-mutual_BM-GL-38-17.pdf classified as endorsement (general-liability). Recorded, not extracted: only declarations carry tower fields.","packetComplete":false},{"id":"observation-alder-point-gl-endorsement_brackenridge-mutual_BM-GL-38-17-classifier","evidence":[],"statement":"alder-point-gl-endorsement_brackenridge-mutual_BM-GL-38-17.pdf, from the classifier: Single-page endorsement adding an Employment-Related Practices Exclusion to the Commercial General liability Coverage Part. Form number BM GL 38 17, edition 06 22, effective 06/01/2025. 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The document footer states it is a synthetic document written for a product demonstration and every company, policy, and claim shown is fictitious.","packetComplete":false},{"id":"observation-alder-point-second-excess_colverne-national_CN-XL-880461-classifier","evidence":[],"statement":"alder-point-second-excess_colverne-national_CN-XL-880461.pdf, from the classifier: Two-page document: page 1 is the Second Excess Liability Declarations; page 2 is a Schedule of Underlying Insurance listing two underlying policies (First Excess Liability, Policy No. HB-XS-71204, Halstead Bay Specialty Insurance Company; and Commercial General Liability, Policy No. CGL 5580394, Brackenridge Mutual Insurance Company). The schedule of underlying insurance is part of this declarations packet, not a separate document. Document footer states it is a synthetic document written for the CoverageCheck product demonstration and is fictitious.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5024,"outputTokens":366,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":12745,"outputTokens":1959,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":5040,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394","sha256":"f80ae1e4b174d8594e5a97e3f5dfd2fcfce8a841b6cdae739db5a5eabc31a1a7","filename":"alder-point-gl-declarations_brackenridge-mutual_CGL-5580394.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Page 1 is the Commercial General Liability Declarations page. 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Form number BM GL 38 17, edition 06 22, effective 06/01/2025. 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The underlying schedule shows a products-completed operations aggregate of $2,000,000 (printed as '$2,000,000 Products-Completed Operations Aggregate') but the schema's underlyingSchedule item does not have a productsCompletedOpsAggregate field, so that value is noted here: page 2, quote '$2,000,000 Products-Completed Operations Aggregate'. The policy header reads 'FIRST EXCESS LIABILITY DECLARATIONS' and the body states 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form,' confirming an excess follow-form role. The underlying CGL policy term (06/01/2025 to 06/01/2026) does not align with the excess policy term (03/01/2026 to 03/01/2027); this gap is noted but not resolved here. No language addressing drop-down on underlying exhaustion was found in the provided pages. 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