1. The policy
2. Optional details
Enter your contract's required limits to check them. Override a value only if the page read it wrong.
Paste the policy, then click Read the policy.
Result
Key terms (check each against the policy)
| Term | Value | Where it came from |
|---|
Your contract's required limits
| Limit | Required | Policy | Result |
|---|
Key dates
| Date | What happens |
|---|
Coverage questions for your broker
What it reads, and what it leaves to you
- Extracted: policy period, claims-made or occurrence trigger, retroactive date, per-occurrence and aggregate limits, deductible or retention, premium, cancellation notice, extended reporting window, business income waiting period, coinsurance.
- Flagged: limits below your contract's requirement, defense costs inside the limit, professional services, cyber, contractual liability, subcontractor, pollution, employee and mold exclusions, actual cash value, coinsurance, long waiting periods, short cancellation notice, missing additional-insured wording, large deductibles.
- Not decided: whether a particular claim would be paid, whether a limit is enough for your risk, or which policy to buy. Endorsements, forms and schedules you do not paste are not seen.
Common questions
What is the difference between claims-made and occurrence insurance?
An occurrence policy covers incidents that happen during the policy period, even if the claim arrives years later. A claims-made policy covers only claims made while it is in force, so letting it lapse can leave earlier work uncovered unless you buy extended reporting (tail) coverage.
What is a retroactive date on a claims-made policy?
The earliest date work can have been done and still be covered. Work before it is excluded even if the claim arrives this year, so keep it unchanged when you renew or switch carriers.
Do defense costs reduce my policy limit?
On some policies they do. If defense costs are inside the limit, legal fees are paid out of the same amount that would pay a settlement, leaving less than the headline limit. Many policies pay defense in addition to the limit.
How do I know if my limits meet a client contract?
Contracts often ask for $1,000,000 per occurrence and $2,000,000 aggregate, sometimes with umbrella coverage. Enter your contract's required limits on this page and it compares them with the limits it reads from your policy.
What does a professional services exclusion mean?
A general liability policy with this exclusion does not pay claims that your advice, design or professional work was wrong. Consultants, designers, agencies and software firms usually need separate professional liability (E&O) coverage.
Does this replace an insurance broker?
No. It reads wording with fixed rules, shows the sentence each value came from, and lists questions buyers commonly ask a broker. It does not say what a claim would pay.
Is my policy uploaded anywhere?
No. The text is read in your browser and nothing is sent; a test in the code asserts there are no network calls.