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Invented example

  • D&O policy

    Policy, cover

    Condition 11 lets the insurer cancel with sixty (60) days' written notice.

    Condition 11. The Insurer may cancel this Policy by giving sixty (60) days' written notice.

    Condition 11 Amended by Endorsement 3

  • Endorsement 3

    Endorsement, cover

    Notice of cancellation is now forty-five (45) days.

    the period of notice in Condition 11 is amended to forty-five (45) days

    Endorsement 3, page 1

  • Property policy

    Policy, cover

    Section 2 covers escape of water. The excess is set by endorsement.

    Section 2. The Insurer will pay for loss caused by the sudden escape of water from any fixed tank, apparatus or pipe.

    Section 2, Escape of water Amended by Endorsement 5

  • Endorsement 5

    Endorsement, cover

    The excess for escape of water is $10,000 each loss.

    the Excess applying to Section 2 is ten thousand dollars ($10,000) each and every loss

    Endorsement 5, page 1

  • War exclusion 4.2

    Clause library, cover

    The approved war exclusion, kept by your legal team.

    Clause 4.2. This Policy excludes loss arising from war, invasion or acts of foreign enemies, whether war be declared or not.

    Clause library, 4.2

  • Claim CL-2041

    Claim file, claims

    A water damage claim at the insured's premises, reported on 12 March.

    Reported loss: burst supply pipe, ground floor stock room, found on opening.

    Claim file, first notice

  • Adjuster note

    Note, claims

    The cause looks like a failed supply pipe, with no sign of slow leakage.

    Inspection on 14 March: sudden failure of a supply pipe. No sign of long term seepage.

    Adjuster note, 14 March

  • Scanned loss report

    Scan, claims

    Page 3 is too faint to read.

    For you The engine does not guess at a page it cannot read. It sends the page to a person.

    Loss report, page 3

  • Renewal submission

    Submission, underwriting

    The D&O renewal asks for a limit of $5,000,000.

    Requested limit: $5,000,000 any one claim and in the aggregate.

    Submission, page 2

  • D&O appetite guideline

    Guideline, underwriting

    Limits above $10,000,000 go to a senior underwriter.

    Limits up to $10,000,000 may be quoted by an underwriter. Above $10,000,000, refer to a senior underwriter.

    Guideline, section 3

  • War exclusion draft 2

    Draft, underwriting

    A draft endorsement that uses clause 4.2 from your own wording.

    This Policy excludes loss arising from war, invasion or acts of foreign enemies, whether war be declared or not.

    Draft 2, from clause library 4.2 Reviewer signs off

  • Binding authority agreement

    Agreement, programs

    The MGA may bind property risks up to $2,000,000.

    The Coverholder may bind risks with a limit not exceeding two million dollars ($2,000,000).

    Agreement, clause 6.1

  • Program form

    Form, programs

    The standard wording issued under the agreement. Flood is covered up to a sublimit.

    Flood is covered up to a sublimit of $250,000 in the annual aggregate.

    Program form, section 5

  • Quota share treaty

    Treaty, programs

    Cedes forty per cent of each risk written under the agreement. It does not mention flood.

    The Reinsurer accepts forty per cent (40%) of each risk written under the Agreement.

    Treaty, Article 3

From file to answer

Connect

Reads your document system and mail where they live. You choose the sources.

Read

Policies are read with the endorsements that amend them. A page it cannot read goes to a person.

Link

Endorsements point at their policies, and claims at the cover that applies.

Answer

Every line shows its source and version. No passage, no answer.

Review

A reviewer signs off. The engine never binds or sends.

Invented examples

What stays true

Every lineShows its source and the version it came from
A passage it cannot findNever becomes an answer
Binding or sendingNever, a reviewer signs off
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