{"id":"review-mta1ubwt","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-third-excess_coppermill-national_CPM-XS-40771","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204","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:wls-xs-24019:lgm-gl-7714026","what":"Underlying policy LGM-GL-7714026 scheduled by WLS-XS-24019","basis":"cited","source":{"page":2,"quote":"Policy No. LGM-GL-7714026","documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},"satisfiedByDocumentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},{"id":"expectation:mi-xs-551830:lgm-gl-7714026","what":"Underlying policy LGM-GL-7714026 scheduled by MI-XS-551830","basis":"cited","source":{"page":2,"quote":"Policy No. LGM-GL-7714026","documentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},"satisfiedByDocumentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},{"id":"expectation:mi-xs-551830:wls-xs-24019","what":"Underlying policy WLS-XS-24019 scheduled by MI-XS-551830","basis":"cited","source":{"page":2,"quote":"Policy No. WLS-XS-24019","documentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},"satisfiedByDocumentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},{"id":"expectation:cpm-xs-40771:lgm-gl-7714026","what":"Underlying policy LGM-GL-7714026 scheduled by CPM-XS-40771","basis":"cited","source":{"page":2,"quote":"Policy No. LGM-GL-7714026","documentId":"meridian-third-excess_coppermill-national_CPM-XS-40771"},"satisfiedByDocumentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},{"id":"expectation:cpm-xs-40771:wls-xs-24019","what":"Underlying policy WLS-XS-24019 scheduled by CPM-XS-40771","basis":"cited","source":{"page":2,"quote":"Policy No. WLS-XS-24019","documentId":"meridian-third-excess_coppermill-national_CPM-XS-40771"},"satisfiedByDocumentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},{"id":"expectation:cpm-xs-40771:mi-xs-551830","what":"Underlying policy MI-XS-551830 scheduled by CPM-XS-40771","basis":"cited","source":{"page":2,"quote":"Policy No. MI-XS-551830","documentId":"meridian-third-excess_coppermill-national_CPM-XS-40771"},"satisfiedByDocumentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},{"id":"expectation:sbr-xl-16204:lgm-gl-7714026","what":"Underlying policy LGM-GL-7714026 scheduled by SBR-XL-16204","basis":"cited","source":{"page":2,"quote":"Policy No. LGM-GL-7714026","documentId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204"},"satisfiedByDocumentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},{"id":"expectation:sbr-xl-16204:wls-xs-24019","what":"Underlying policy WLS-XS-24019 scheduled by SBR-XL-16204","basis":"cited","source":{"page":2,"quote":"Policy No. WLS-XS-24019","documentId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204"},"satisfiedByDocumentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},{"id":"expectation:sbr-xl-16204:mi-xs-551830","what":"Underlying policy MI-XS-551830 scheduled by SBR-XL-16204","basis":"cited","source":{"page":2,"quote":"Policy No. MI-XS-551830","documentId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204"},"satisfiedByDocumentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},{"id":"expectation:sbr-xl-16204:cpm-xs-40771","what":"Underlying policy CPM-XS-40771 scheduled by SBR-XL-16204","basis":"cited","source":{"page":2,"quote":"Policy No. CPM-XS-40771","documentId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204"},"satisfiedByDocumentId":"meridian-third-excess_coppermill-national_CPM-XS-40771"}],"documentsRead":["meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026","meridian-first-excess_wexford-line-specialty_WLS-XS-24019","meridian-second-excess_marlstone-indemnity_MI-XS-551830","meridian-third-excess_coppermill-national_CPM-XS-40771","meridian-fourth-excess_sablewood-re_SBR-XL-16204"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"pass","message":"Every policy named in an underlying schedule is present in the document set.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"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":"cannot-determine","message":"No forms schedule was read on these policies, so there is nothing to check.","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":2000000,"carrier":"LEDGEMONT CASUALTY INSURANCE COMPANY","inTower":true,"premium":182900,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"carrier":{"page":1,"quote":"LEDGEMONT CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"premium":{"page":1,"quote":"Advance Premium for this Coverage Part $182,900","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: LGM-GL-7714026","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) $4,000,000","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"productsCompletedOpsAggregate":{"page":1,"quote":"Products-Completed Operations Aggregate Limit $4,000,000","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"}},"policyId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026","effective":"2027-04-01","formBasis":"occurrence","deductible":null,"expiration":"2028-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"LGM-GL-7714026","scheduledOnly":false,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":2000000,"productsCompletedOpsAggregate":4000000},{"line":null,"role":"excess","limit":10000000,"carrier":"WEXFORD LINE SPECIALTY INSURANCE COMPANY","inTower":true,"premium":121250,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},"carrier":{"page":1,"quote":"WEXFORD LINE SPECIALTY INSURANCE COMPANY","documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},"premium":{"page":1,"quote":"Policy Premium $121,250","documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: WLS-XS-24019","documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $2,000,000","documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $10,000,000","documentId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019"}},"policyId":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019","effective":"2027-04-01","formBasis":"occurrence","deductible":null,"expiration":"2028-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"WLS-XS-24019","scheduledOnly":false,"attachmentPoint":2000000,"exhaustionPoint":12000000,"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":"MARLSTONE INDEMNITY COMPANY","inTower":true,"premium":81500,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $15,000,000","documentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},"carrier":{"page":1,"quote":"MARLSTONE INDEMNITY COMPANY","documentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},"premium":{"page":1,"quote":"Policy Premium $81,500","documentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: MI-XS-551830","documentId":"meridian-second-excess_marlstone-indemnity_MI-XS-551830"},"attachmentPoint":{"page":1,"quote":"COVERAGE: SECOND EXCESS LIABILITY. 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ATTACHES EXCESS OF $52,000,000.","documentId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204"},"generalAggregate":{"page":1,"quote":"Aggregate Limit $35,000,000","documentId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204"}},"policyId":"meridian-fourth-excess_sablewood-re_SBR-XL-16204","effective":"2027-04-01","formBasis":"occurrence","deductible":null,"expiration":"2028-04-01","formNumbers":[],"namedInsured":"MERIDIAN RIDGE CONSTRUCTORS, LLC","policyNumber":"SBR-XL-16204","scheduledOnly":false,"attachmentPoint":52000000,"exhaustionPoint":87000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":35000000,"retentionApplies":"unknown","defenseInsideLimits":"no","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null}],"totalLimit":87000000,"towerIssues":[],"restrictions":[],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"no","underlyingScheduleCount":10,"formsWithNoRestrictionFound":0},"findings":[],"reviewId":"review-mta1ubwt","decisions":[],"unanswered":[{"reason":"No forms schedule was read on these policies, so there is nothing to check.","questionId":"global.endorsements-restrict"},{"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-meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026-classifier","evidence":[],"statement":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026.pdf, from the classifier: Single-page commercial general liability declarations. The footer states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. All values are fictitious per the footer notice. No schedule of forms or endorsements is included; absence of those documents cannot be taken to mean the policy has no endorsements or exclusions.","packetComplete":false},{"id":"observation-meridian-first-excess_wexford-line-specialty_WLS-XS-24019-classifier","evidence":[],"statement":"meridian-first-excess_wexford-line-specialty_WLS-XS-24019.pdf, from the classifier: Two-page declarations packet for a First Excess Liability policy. Page 1 is the declarations page with limits and premium. Page 2 is a Schedule of Underlying Insurance listing one underlying policy (Ledgemont Casualty Insurance Company, Policy No. LGM-GL-7714026, CGL primary). Both pages carry the same policy number WLS-XS-24019. Document footer states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form.","packetComplete":false},{"id":"observation-meridian-second-excess_marlstone-indemnity_MI-XS-551830-classifier","evidence":[],"statement":"meridian-second-excess_marlstone-indemnity_MI-XS-551830.pdf, from the classifier: Two-page document: page 1 is the Second Excess Liability Declarations and page 2 is the Schedule of Underlying Insurance, both bearing policy number MI-XS-551830. The schedule references two underlying policies: Commercial General Liability (LEDGEMONT CASUALTY INSURANCE COMPANY, Policy No. LGM-GL-7714026) and First Excess Liability (WEXFORD LINE SPECIALTY INSURANCE COMPANY, Policy No. WLS-XS-24019). Document footer states it is a synthetic document written for the CoverageCheck product demonstration and that every company, policy, and claim shown is fictitious.","packetComplete":false},{"id":"observation-meridian-third-excess_coppermill-national_CPM-XS-40771-classifier","evidence":[],"statement":"meridian-third-excess_coppermill-national_CPM-XS-40771.pdf, from the classifier: Two-page document: page 1 is the Third Excess Liability Declarations; page 2 is the Schedule of Underlying Insurance listing three underlying policies (CGL with Ledgemont Casualty, Policy No. LGM-GL-7714026; First Excess with Wexford Line Specialty, Policy No. WLS-XS-24019; Second Excess with Marlstone Indemnity, Policy No. MI-XS-551830). 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-meridian-fourth-excess_sablewood-re_SBR-XL-16204-classifier","evidence":[],"statement":"meridian-fourth-excess_sablewood-re_SBR-XL-16204.pdf, from the classifier: Two-page document: page 1 is the Fourth Excess Liability Declarations for policy SBR-XL-16204; page 2 is a Schedule of Underlying Insurance attached to the same policy, listing four underlying policies (LGM-GL-7714026, WLS-XS-24019, MI-XS-551830, CPM-XS-40771). The document is classified as declarations because page 1 carries the named insured, carrier, policy number, term, limits, and premium. The schedule of underlying insurance on page 2 is an integral part of this declarations packet. Document footer notes this is a synthetic document written for product demonstration purposes.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":3170,"outputTokens":331,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":11200,"outputTokens":1044,"cacheReadTokens":0,"cacheWriteTokens":2574},{"model":"claude-haiku-4-5","inputTokens":5181,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026","sha256":"c84c77a00e172546deb19038452ab6d9c9d2b81b5723e3af4349871baa9a764b","filename":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Single-page commercial general liability declarations. The footer states this is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. All values are fictitious per the footer notice. No schedule of forms or endorsements is included; absence of those documents cannot be taken to mean the policy has no endorsements or exclusions.","carrier":{"value":"LEDGEMONT CASUALTY INSURANCE COMPANY","citation":{"page":1,"quote":"LEDGEMONT CASUALTY INSURANCE COMPANY","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"confidence":"high"},"pageCount":1,"confidence":"high","namedInsured":{"value":"MERIDIAN RIDGE CONSTRUCTORS, LLC","citation":{"page":1,"quote":"MERIDIAN RIDGE CONSTRUCTORS, LLC","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"confidence":"high"},"policyNumber":{"value":"LGM-GL-7714026","citation":{"page":1,"quote":"POLICY NUMBER: LGM-GL-7714026","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":1,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026","role":"primary","term":{"effective":{"value":"2027-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"confidence":"high"},"expiration":{"value":"2028-04-01","citation":{"page":1,"quote":"POLICY PERIOD: FROM APRIL 1, 2027 TO APRIL 1, 2028","documentId":"meridian-gl-declarations_ledgemont-casualty_LGM-GL-7714026"},"confidence":"high"}},"notes":"This is a primary CGL declarations page. No schedule of underlying insurance is present, which is expected for a primary policy. No schedule of forms was found on the single page provided; endorsements may be attached but were not included in the pages given. No retention or deductible is printed. The per-project aggregate endorsement (CG 25 03 or similar) is not referenced on this page. The role is confirmed by the printed language 'COMMERCIAL GENERAL LIABILITY. PRIMARY LAYER, NOT EXCESS.' 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