{"id":"review-mt9mku16","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: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"},{"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: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}],"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 $186,420","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: GL 2214607","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"productsCompletedOpsAggregate":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"}},"policyId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","effective":"2026-01-01","formBasis":"occurrence","deductible":null,"expiration":"2027-01-01","formNumbers":["AM GL 00 20","AM IL 00 05","AM GL 41 02","AM GL 44 18","AM IL 09 12"],"namedInsured":"CITY OF VERRICK FALLS","policyNumber":"GL 2214607","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":{"amount":858000,"figure":"total-incurred","asOfDate":"08/01/2026","citation":{"page":2,"quote":"Policy Totals Reserves: $580,000 Paid: $278,000 Total Incurred: $858,000","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"joinDeterminedByPerson":false,"remainingGeneralAggregate":3142000},"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":2000000,"productsCompletedOpsAggregate":4000000},{"line":"Second Excess Liability","role":"unknown","limit":10000000,"carrier":"BELLWEATHER EXCESS INSURANCE COMPANY","inTower":true,"premium":null,"sources":{"limit":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"carrier":{"page":2,"quote":"BELLWEATHER EXCESS INSURANCE COMPANY","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"policyNumber":{"page":2,"quote":"Policy No. BX-2260714","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"generalAggregate":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"}},"policyId":"scheduled-0","effective":"2026-01-01","formBasis":"unknown","deductible":null,"expiration":"2027-01-01","formNumbers":[],"namedInsured":null,"policyNumber":"BX-2260714","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":10000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":5000000,"carrier":"KESTREL HARBOR INDEMNITY COMPANY","inTower":true,"premium":61500,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $5,000,000","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"carrier":{"page":1,"quote":"KESTREL HARBOR INDEMNITY COMPANY\n310 Waterline Avenue, Milwaukee, WI 53202","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"premium":{"page":1,"quote":"Annual Premium $61,500","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: KH-XS-40118","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $5,000,000","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"}},"policyId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","effective":"2026-01-01","formBasis":"occurrence","deductible":null,"expiration":"2027-01-01","formNumbers":[],"namedInsured":"CITY OF VERRICK FALLS","policyNumber":"KH-XS-40118","scheduledOnly":false,"attachmentPoint":2000000,"exhaustionPoint":7000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"line":null,"role":"excess","limit":10000000,"carrier":"IRONWOLD CASUALTY COMPANY","inTower":true,"premium":48900,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"carrier":{"page":1,"quote":"IRONWOLD CASUALTY COMPANY\n45 Foundry Row, Pittsburgh, PA 15222","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"premium":{"page":1,"quote":"Annual Premium $48,900","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: IWC-XL-55302","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $17,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"}},"policyId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","effective":"2026-01-01","formBasis":"occurrence","deductible":null,"expiration":"2027-01-01","formNumbers":[],"namedInsured":"CITY OF VERRICK FALLS","policyNumber":"IWC-XL-55302","scheduledOnly":false,"attachmentPoint":17000000,"exhaustionPoint":27000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":10000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":27000000,"towerIssues":[{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on IWC-XL-55302 names BX-2260714, which was not provided.","layerPolicyIds":["verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","scheduled-0"]},{"kind":"attachment-overlap","amount":8000000,"detail":"KH-XS-40118 attaches below the point at which the coverage beneath it exhausts. 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 01 24","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-mt9mku16","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 and premium. Page 2 is a Forms and Endorsements Schedule listing five forms attached to the policy. The document is paginated 'Page 1 of 2' and 'Page 2 of 2' and covers a single policy, GL 2214607. The footer on both pages states this is a synthetic document written for a product demonstration and is fictitious.","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 2 is the Schedule of Underlying Insurance, which lists one underlying policy (Public Entity General Liability, Ashgrove Municipal Insurance Company, Policy No. GL 2214607). Both pages bear the same policy number KH-XS-40118. The footer on both pages states this 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: Two-page document: page 1 is the Third Excess Liability Declarations and page 2 is the Schedule of Underlying Insurance for policy IWC-XL-55302. The schedule lists three underlying policies: (1) Public Entity General Liability, Ashgrove Municipal Insurance Company, Policy No. GL 2214607; (2) First Excess Liability, Kestrel Harbor Indemnity Company, Policy No. KH-XS-40118; (3) Second Excess Liability, Bellweather Excess Insurance Company, Policy No. BX-2260714. Document bears a synthetic/fictitious disclaimer on both pages.","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: Document is a two-page business loss run current as of 08/01/2026, covering policy term 01/01/2026–01/01/2027. Three GL Premises/Operations claims are detailed on page 2. The document footer states it is a synthetic document written for a product demonstration and that every company, policy, and claim shown is fictitious.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5029,"outputTokens":338,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12750,"outputTokens":2085,"cacheReadTokens":0,"cacheWriteTokens":2349},{"model":"claude-haiku-4-5","inputTokens":5044,"outputTokens":130,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","sha256":"754009f0a3b49fd0fe391b63867a5bb5a2e6422a68e81a737d9753a3ff2ec05e","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 and premium. Page 2 is a Forms and Endorsements Schedule listing five forms attached to the policy. The document is paginated 'Page 1 of 2' and 'Page 2 of 2' and covers a single policy, GL 2214607. The footer on both pages states this is a synthetic document written for a product demonstration and is fictitious.","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":"Policy is declared as primary on its face: 'PUBLIC ENTITY GENERAL LIABILITY. PRIMARY LAYER, NOT EXCESS.' No attachment point, no schedule of underlying insurance, and no retention or deductible is printed. Defense outside limits is expressly stated on page 1. dropsDownOnUnderlyingExhaustion is unknown because no policy language on this topic was provided in the pages given. No retroactive date is printed; coverage is occurrence basis. perProjectAggregate is not printed and no per-project aggregate endorsement appears in the forms schedule.","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 Advertising Injury Limit $2,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"productsCompletedOpsAggregate":{"value":4000000,"citation":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}},"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"},"premium":{"value":186420,"citation":{"page":1,"quote":"Advance Premium for this Coverage Part $186,420","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"],"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"},"restrictions":[{"label":"Total Pollution Exclusion","where":"endorsement","citation":{"page":2,"quote":"AM GL 41 02 03 24 Total Pollution Exclusion","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"subLimit":null,"formNumber":"AM GL 41 02","carrierNoticedReduction":true},{"label":"Total Pollution Exclusion","where":"endorsement","citation":{"page":2,"quote":"AM GL 00 20 01 24 Total Pollution Exclusion","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"subLimit":null,"formNumber":"AM GL 00 20 01 24","carrierNoticedReduction":false}],"formsSchedule":[{"title":{"value":"Public Entity General Liability Coverage Form","citation":{"page":2,"quote":"Public Entity General Liability Coverage Form","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"edition":{"value":"01 24","citation":{"page":2,"quote":"AM GL 00 20 01 24","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"formNumber":{"value":"AM GL 00 20","citation":{"page":2,"quote":"AM GL 00 20","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}},{"title":{"value":"Common Policy Conditions","citation":{"page":2,"quote":"Common Policy Conditions","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"edition":{"value":"01 24","citation":{"page":2,"quote":"AM IL 00 05 01 24","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"formNumber":{"value":"AM IL 00 05","citation":{"page":2,"quote":"AM IL 00 05","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}},{"title":{"value":"Total Pollution Exclusion","citation":{"page":2,"quote":"Total Pollution Exclusion","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"edition":{"value":"03 24","citation":{"page":2,"quote":"AM GL 41 02 03 24","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"formNumber":{"value":"AM GL 41 02","citation":{"page":2,"quote":"AM GL 41 02","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}},{"title":{"value":"Waiver of Transfer of Rights of Recovery Against Others to Us","citation":{"page":2,"quote":"Waiver of Transfer of Rights of Recovery Against Others to Us","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"edition":{"value":"07 23","citation":{"page":2,"quote":"AM GL 44 18 07 23","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"formNumber":{"value":"AM GL 44 18","citation":{"page":2,"quote":"AM GL 44 18","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}},{"title":{"value":"Disclosure Pursuant to Terrorism Risk Insurance Act","citation":{"page":2,"quote":"Disclosure Pursuant to Terrorism Risk Insurance Act","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"edition":{"value":"05 22","citation":{"page":2,"quote":"AM IL 09 12 05 22","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"},"formNumber":{"value":"AM IL 09 12","citation":{"page":2,"quote":"AM IL 09 12","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"confidence":"high"}}],"attachmentPoint":null,"retroactiveDate":null,"underlyingSchedule":[],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":28,"failures":[],"notFound":0,"verified":28,"verifiedExact":27,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":3265,"outputTokens":315,"cacheReadTokens":0,"cacheWriteTokens":1195}],"reRead":false,"lossRun":null,"document":{"id":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02","sha256":"e9ff60b1bcf432ad9776a6afd4684e1183629c77256775e4a8d1cd82d77b9652","filename":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"endorsement","notes":"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.","carrier":{"value":"ASHGROVE MUNICIPAL INSURANCE COMPANY","citation":{"page":1,"quote":"ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02"},"confidence":"high"},"pageCount":1,"confidence":"high","namedInsured":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"NAMED INSURED: CITY OF VERRICK FALLS","documentId":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02"},"confidence":"high"},"policyNumber":{"value":"GL 2214607","citation":{"page":1,"quote":"POLICY NUMBER: GL 2214607","documentId":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02"},"confidence":"high"}}},"deepSweep":null,"extraction":null,"needsHuman":null,"citationAudit":null,"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":4937,"outputTokens":396,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12658,"outputTokens":1622,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4952,"outputTokens":495,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","sha256":"93b5d573339b3c8d53caebc724ac53698cc8317ab458ef41a72dca629a22a01e","filename":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the First Excess Liability Declarations; page 2 is the Schedule of Underlying Insurance, which lists one underlying policy (Public Entity General Liability, Ashgrove Municipal Insurance Company, Policy No. GL 2214607). Both pages bear the same policy number KH-XS-40118. The footer on both pages states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form.","carrier":{"value":"KESTREL HARBOR INDEMNITY COMPANY","citation":{"page":1,"quote":"KESTREL HARBOR INDEMNITY COMPANY\n310 Waterline Avenue, Milwaukee, WI 53202","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"CITY OF VERRICK FALLS\n215 MUNICIPAL PLAZA\nVERRICK FALLS, MN 55418","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"policyNumber":{"value":"KH-XS-40118","citation":{"page":1,"quote":"POLICY NUMBER: KH-XS-40118","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","role":"excess","term":{"effective":{"value":"2026-01-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM JANUARY 1, 2026 TO JANUARY 1, 2027","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"expiration":{"value":"2027-01-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM JANUARY 1, 2026 TO JANUARY 1, 2027","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"}},"notes":"No schedule of forms was found on either page provided; the declarations page does not list attached forms or endorsements. The aggregate limit on this policy is labeled 'Aggregate Limit' rather than 'General Aggregate'; it is transcribed as generalAggregate as that is the closest matching field. The underlying schedule also prints a Products-Completed Operations Aggregate of $4,000,000 for the underlying policy (GL 2214607), but the schema for underlyingSchedule items does not include a productsCompletedOpsAggregate field, so that figure is not captured in the structured output; it is noted here for completeness: '$4,000,000 Products-Completed Operations Aggregate' (page 2). The policy states it 'follows its form' (page 1: 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form'), which is characteristic of follow-form excess; drops-down-on-exhaustion is not addressed in the provided pages and is returned as unknown. Form basis is not explicitly printed as 'occurrence' or 'claims-made'; the policy is a follow-form excess over a general liability primary, and no retroactive date is printed, but form basis is returned as 'occurrence' with medium confidence based on the general liability context and absence of any claims-made language.","limits":{"eachOccurrence":{"value":5000000,"citation":{"page":1,"quote":"Each Occurrence Limit $5,000,000","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":1,"quote":"Aggregate Limit $5,000,000","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"KESTREL HARBOR INDEMNITY COMPANY","citation":{"page":1,"quote":"KESTREL HARBOR INDEMNITY COMPANY\n310 Waterline Avenue, Milwaukee, WI 53202","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"premium":{"value":61500,"citation":{"page":1,"quote":"Annual Premium $61,500","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"],"namedInsured":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"CITY OF VERRICK FALLS\n215 MUNICIPAL PLAZA\nVERRICK FALLS, MN 55418","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"policyNumber":{"value":"KH-XS-40118","citation":{"page":1,"quote":"POLICY NUMBER: KH-XS-40118","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":2000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"ASHGROVE MUNICIPAL INSURANCE COMPANY","citation":{"page":2,"quote":"ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"coverage":{"value":"Public Entity General Liability (Primary)","citation":{"page":2,"quote":"1. Public Entity General Liability (Primary)","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"effective":{"value":"2026-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"expiration":{"value":"2027-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"policyNumber":{"value":"GL 2214607","citation":{"page":2,"quote":"Policy No. GL 2214607","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"confidence":"high"}}],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"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":5081,"outputTokens":435,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":12802,"outputTokens":2515,"cacheReadTokens":2349,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":5088,"outputTokens":1427,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","sha256":"549599c013a2247faf0406c319f73658fc2ac1c3b6e424a18a040aaa7269cc16","filename":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"Two-page document: page 1 is the Third Excess Liability Declarations and page 2 is the Schedule of Underlying Insurance for policy IWC-XL-55302. The schedule lists three underlying policies: (1) Public Entity General Liability, Ashgrove Municipal Insurance Company, Policy No. GL 2214607; (2) First Excess Liability, Kestrel Harbor Indemnity Company, Policy No. KH-XS-40118; (3) Second Excess Liability, Bellweather Excess Insurance Company, Policy No. BX-2260714. Document bears a synthetic/fictitious disclaimer on both pages.","carrier":{"value":"IRONWOLD CASUALTY COMPANY","citation":{"page":1,"quote":"IRONWOLD CASUALTY COMPANY\n45 Foundry Row, Pittsburgh, PA 15222","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"CITY OF VERRICK FALLS\n215 MUNICIPAL PLAZA\nVERRICK FALLS, MN 55418","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"policyNumber":{"value":"IWC-XL-55302","citation":{"page":1,"quote":"POLICY NUMBER: IWC-XL-55302","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":2,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","role":"excess","term":{"effective":{"value":"2026-01-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM JANUARY 1, 2026 TO JANUARY 1, 2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"expiration":{"value":"2027-01-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM JANUARY 1, 2026 TO JANUARY 1, 2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"}},"notes":"No schedule of forms was found on the pages provided; the declarations do not list attached endorsements or forms. The policy is labeled 'THIRD EXCESS LIABILITY' and follows the form of the underlying insurance per page 1: 'This policy applies in excess of the underlying insurance scheduled on page 2, and follows its form.' The formBasis field is set to 'occurrence' based on the structure of the limits (each occurrence / aggregate) and the follow-form nature of the policy; however, the base form is not explicitly labeled occurrence or claims-made in the provided pages. The aggregate limit on this policy is labeled 'Aggregate Limit' rather than 'General Aggregate'; it is transcribed under generalAggregate as the closest matching field. No productsCompletedOpsAggregate is separately printed for this policy. The schedule of underlying insurance on page 2 shows a Products-Completed Operations Aggregate of $4,000,000 for the primary layer (GL 2214607) but this is not separately broken out for the excess layers. dropsDownOnUnderlyingExhaustion is unknown because the provided pages do not contain language addressing this point.","limits":{"eachOccurrence":{"value":10000000,"citation":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},"carrier":{"value":"IRONWOLD CASUALTY COMPANY","citation":{"page":1,"quote":"IRONWOLD CASUALTY COMPANY\n45 Foundry Row, Pittsburgh, PA 15222","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"premium":{"value":48900,"citation":{"page":1,"quote":"Annual Premium $48,900","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"],"namedInsured":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"CITY OF VERRICK FALLS\n215 MUNICIPAL PLAZA\nVERRICK FALLS, MN 55418","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"policyNumber":{"value":"IWC-XL-55302","citation":{"page":1,"quote":"POLICY NUMBER: IWC-XL-55302","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"restrictions":[],"formsSchedule":[],"attachmentPoint":{"value":17000000,"citation":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $17,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"retroactiveDate":null,"underlyingSchedule":[{"carrier":{"value":"ASHGROVE MUNICIPAL INSURANCE COMPANY","citation":{"page":2,"quote":"ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"coverage":{"value":"Public Entity General Liability (Primary)","citation":{"page":2,"quote":"1. Public Entity General Liability (Primary)","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"effective":{"value":"2026-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"expiration":{"value":"2027-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"policyNumber":{"value":"GL 2214607","citation":{"page":2,"quote":"Policy No. GL 2214607","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"eachOccurrence":{"value":2000000,"citation":{"page":2,"quote":"$2,000,000 Each Occurrence","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"generalAggregate":{"value":4000000,"citation":{"page":2,"quote":"$4,000,000 General Aggregate","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"}},{"carrier":{"value":"KESTREL HARBOR INDEMNITY COMPANY","citation":{"page":2,"quote":"KESTREL HARBOR INDEMNITY COMPANY","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"coverage":{"value":"First Excess Liability","citation":{"page":2,"quote":"2. First Excess Liability","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"effective":{"value":"2026-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"expiration":{"value":"2027-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"policyNumber":{"value":"KH-XS-40118","citation":{"page":2,"quote":"Policy No. KH-XS-40118","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"eachOccurrence":{"value":5000000,"citation":{"page":2,"quote":"$5,000,000 Each Occurrence","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"generalAggregate":{"value":5000000,"citation":{"page":2,"quote":"$5,000,000 Aggregate","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"}},{"carrier":{"value":"BELLWEATHER EXCESS INSURANCE COMPANY","citation":{"page":2,"quote":"BELLWEATHER EXCESS INSURANCE COMPANY","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"coverage":{"value":"Second Excess Liability","citation":{"page":2,"quote":"3. Second Excess Liability","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"effective":{"value":"2026-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"expiration":{"value":"2027-01-01","citation":{"page":2,"quote":"01/01/2026 to 01/01/2027","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"policyNumber":{"value":"BX-2260714","citation":{"page":2,"quote":"Policy No. BX-2260714","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"eachOccurrence":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Each Occurrence","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"},"generalAggregate":{"value":10000000,"citation":{"page":2,"quote":"$10,000,000 Aggregate","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"confidence":"high"}}],"defenseInsideLimits":"no","defenseInsideLimitsSource":{"page":1,"quote":"Defense costs are payable in addition to the limits.","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"dropsDownOnUnderlyingExhaustion":"unknown","dropsDownOnUnderlyingExhaustionSource":null},"needsHuman":null,"citationAudit":{"total":31,"failures":[],"notFound":0,"verified":31,"verifiedExact":31,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]},{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5121,"outputTokens":334,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":7804,"outputTokens":1049,"cacheReadTokens":0,"cacheWriteTokens":1191}],"reRead":false,"lossRun":{"id":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607","notes":"The summary table on page 1 prints two columns that correspond to the period-level figures: 'Loss & Expense Reserves' ($580,000) and 'Losses & Expenses Paid' ($278,000) and 'Total Incurred' ($858,000). The schema fields paidLoss and paidExpense are not printed as combined figures in the summary table; they appear only as separate claim-level line items on page 2 (e.g., 'Losses Paid' and 'Expenses Paid' per claim). Because the summary period row does not print a single 'Losses & Expenses Paid' figure broken into loss vs. expense, and the schema fields paidLoss and paidExpense are not directly labeled at the period-summary level, those fields are omitted for the period to avoid constructing a figure not printed at that level. The 'Losses & Expenses Paid' column in the summary ($278,000) is captured in grandTotalPaid, which is also confirmed by the Policy Totals row on page 2. The report covers one policy period only. The document footer notes it is a synthetic demonstration document; this does not affect the transcription.","carrier":{"value":"ASHGROVE MUNICIPAL INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"periods":[{"paidLoss":null,"effective":{"value":"01/01/2026","citation":{"page":1,"quote":"01/01/2026 - 01/01/2027","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"claimCount":3,"expiration":{"value":"01/01/2027","citation":{"page":1,"quote":"01/01/2026 - 01/01/2027","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"paidExpense":null,"totalIncurred":{"value":858000,"citation":{"page":1,"quote":"Total Incurred $858,000","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"outstandingReserves":{"value":580000,"citation":{"page":1,"quote":"Loss & Expense Reserves $580,000","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"}}],"asOfDate":{"value":"08/01/2026","citation":{"page":1,"quote":"Current As of Date: 08/01/2026","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"confidence":"high","documentIds":["verrick-falls-loss-run_ashgrove-municipal_GL-2214607"],"insuredName":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"Insured Name: CITY OF VERRICK FALLS","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"policyNumber":{"value":"GL 2214607","citation":{"page":1,"quote":"GL 2214607","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"grandTotalPaid":{"value":278000,"citation":{"page":2,"quote":"Policy Totals Reserves: $580,000 Paid: $278,000 Total Incurred: $858,000","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"grandTotalIncurred":{"value":858000,"citation":{"page":2,"quote":"Policy Totals Reserves: $580,000 Paid: $278,000 Total Incurred: $858,000","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"}},"document":{"id":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607","sha256":"691e99a23aa55ea88a20ba9daef20b345c60262f43e20034f7d718586c5a3b8b","filename":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"loss-run","notes":"Document is a two-page business loss run current as of 08/01/2026, covering policy term 01/01/2026–01/01/2027. Three GL Premises/Operations claims are detailed on page 2. The document footer states it is a synthetic document written for a product demonstration and that every company, policy, and claim shown is fictitious.","carrier":{"value":"ASHGROVE MUNICIPAL INSURANCE COMPANY","citation":{"page":1,"quote":"Carrier: ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"pageCount":2,"confidence":"high","namedInsured":{"value":"CITY OF VERRICK FALLS","citation":{"page":1,"quote":"Insured Name: CITY OF VERRICK FALLS","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"},"policyNumber":{"value":"GL 2214607","citation":{"page":1,"quote":"Policy # GL 2214607","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"},"confidence":"high"}}},"deepSweep":null,"extraction":null,"needsHuman":null,"citationAudit":{"total":10,"failures":[],"notFound":0,"verified":10,"verifiedExact":8,"pageUnreadable":0,"foundOnOtherPage":0},"additionalPolicies":[]}],"totalUsage":{"inputTokens":84531,"outputTokens":11141,"cacheReadTokens":4698,"cacheWriteTokens":9515},"instructionVersions":{"reasoning/posture.md":"93456a16a26b","extraction/classify-document.md":"1cce3142702d","extraction/loss-run-extraction.md":"6e7c57637027","extraction/declarations-extraction.md":"d67926a09631"}},"client":"City of Verrick Falls","ruleSet":{"authored":[],"standingIds":["global.attachment-continuity","global.every-policy-placed","global.underlying-provided","global.same-named-insured","global.term-concurrency","global.defense-outside-limits","global.carrier-reduced-coverage","global.coverage-capped-below-limit","global.endorsements-restrict","global.aggregate-impairment-known"]},"createdAt":"2026-08-26T05:00:17.036Z","sampleOrigin":true}