Catch every discrepancy. Prevent every E&O claim.
Our AI-powered policy comparison engine reads binders and policies the way your best CSR would -- but in 3 seconds instead of 30 minutes. With a comprehensive 47-point E&O checklist and severity scoring, nothing slips through the cracks.
Policy checking is the #1 source of E&O exposure
When a policy doesn't match what was quoted, your agency is exposed. Manual comparison is slow, inconsistent, and error-prone.
30 min
Average time to manually compare a policy
23%
Of policies have discrepancies from the binder
$35K
Average E&O claim cost for independent agencies
From upload to E&O protection in 4 steps
Upload Documents
Upload the binder/quote and the issued policy, or a current and renewal policy. Drag-and-drop or forward via email.
AI Analyzes & Compares
Our AI extracts data from both documents, normalizes formats, and runs a comprehensive comparison against all 47 checklist points.
Review Scored Results
View a clear, organized report with every difference categorized by severity. Critical items are highlighted for immediate action.
Export & Document
Generate a PDF report for your E&O file, share findings with your team, or send a summary directly to the carrier for corrections.
The 47-point E&O checklist
Every comparison runs against a comprehensive checklist covering all critical policy elements.
Named Insured & Entity
4 verification points
- Named insured matches across all documents
- Entity type (LLC, Corp, DBA) consistency
- Additional insured endorsements present
- Waiver of subrogation endorsements
Coverage Limits
5 verification points
- General liability limits match quoted
- Auto liability limits verified
- Umbrella/excess limits confirmed
- Workers comp statutory limits
- Professional liability limits match
Policy Terms
5 verification points
- Effective and expiration dates correct
- Premium amounts match proposal
- Deductible/SIR amounts verified
- Retroactive dates maintained
- Policy territory confirmed
Endorsements & Exclusions
5 verification points
- All quoted endorsements attached
- No unexpected exclusions added
- Blanket additional insured wording
- Primary/non-contributory language
- Cyber liability sublimits
Property & Equipment
5 verification points
- Building values match schedule
- Business personal property limits
- Equipment breakdown included
- Business income coverage period
- Inland marine scheduled items
Plus Additional Checks
Comprehensive coverage verification
- Carrier rating & admitted status
- Surplus lines compliance
- Audit provisions review
- Cancellation notice requirements
- Loss payee & mortgagee clauses
- Scheduled location accuracy
- Driver/vehicle schedule verification
Know what to fix first
Every discrepancy is scored by severity so you can prioritize the issues that matter most.
Coverage gaps that could lead to uninsured claims. Requires immediate attention before binding.
Examples
- • Missing liability coverage
- • Wrong named insured
- • Excluded key operations
Significant discrepancies that materially affect coverage. Should be resolved before delivery.
Examples
- • Limits lower than quoted
- • Missing endorsements
- • Incorrect deductibles
Notable differences that should be documented and communicated to the client.
Examples
- • Minor premium variance
- • Territory differences
- • Subjectivity changes
Minor formatting or cosmetic differences that don't affect coverage.
Examples
- • Address formatting
- • Policy number format
- • Carrier name abbreviation
Professional reports for your E&O file
Generate detailed PDF reports documenting every comparison. These reports serve as proof of your due diligence and become part of your E&O defense file.
- Complete comparison summary with severity breakdown
- Side-by-side data extraction from both documents
- Timestamped audit trail of review and actions
- Reviewer sign-off and notes fields
- Branded with your agency logo
- Automatic filing to your document management system