Self-Serve tier

Determine additional-insured (AI) coverage scope under ISO CG 20 10 (ongoing operations) + CG 20 37 (completed operations) + CG 20 33 (blanket) + primary noncontributory + waiver of subrogation. Embedded contractor-vs-owner allocation, 2013 ISO restriction (caused-in-whole-or-in-

Evaluate first-party bad-faith and unfair-claims-practices exposure against an insurer under common-law tort + state-statutory schemes. Embedded TX Stowers doctrine, FL §624.155 + 90-day Civil Remedy Notice, CA Communale/Crisci, NY consequential damages, plus 50-state statutory m

Evaluate Illinois Biometric Information Privacy Act (BIPA) class-action exposure under 740 ILCS 14, including Cothron v. White Castle per-violation damages doctrine, Rosenbach v. Six Flags standing, Tims v. Black Horse Carriers 5-year limitations, and the August 2024 BIPA reform

Adjudicate builder's risk coverage at the in-progress vs completion-vs-occupancy boundary, the transition from builder's risk to permanent CGL/property tower, and CGL completed-operations product hazard liability after substantial completion. Embedded ISO/AAIS builder's risk form

Adjudicate business-interruption coverage triggered by physical loss/damage. Embedded ISO CP 00 30 + CP 00 10 + CP 00 40 civil authority + CP 04 60 dependent-property contingent BI. Walks period of restoration, ALE, extra expense, ingress/egress, and post-COVID appellate authorit

Determine which CGL trigger theory applies to a continuous, progressive, or latent bodily-injury or property-damage loss. Walks the four trigger theories (exposure, manifestation, injury-in-fact, continuous), maps situs-state binding precedent, identifies all policies on risk, an

Adjudicate cyber-policy ransomware / cyber-extortion sub-coverage with embedded OFAC SDN sanctions screening before payment. Covers ransom payment first-party trigger, OFAC general license + specific license analysis, FinCEN BSA/AML compliance, CISA reporting, and OFAC 2020 + 202

Adjudicate Directors & Officers liability across Side A (non-indemnifiable individual loss), Side B (corporate reimbursement), Side C (entity securities claim). Embedded ISO/AIG/Chubb D&O architecture, securities-claim trigger under §10(b)/§11/§12, derivative-claim coverage, cond

Adjudicate professional E&O claims-made coverage with retroactive date / prior-acts / extended reporting period (ERP) tail / discovery period / continuity-of-coverage analysis. Embedded ISO claims-made principles, tail purchase rights, prior-knowledge exclusions, and Helfand v. N

Resolve the boundary between professional services (covered by E&O / professional liability) and products-completed-operations hazard (covered by CGL Coverage A) when an underlying claim spans both lines. Embedded ISO CG 21 16 (professional services exclusion) variants, professio

Allocate long-tail asbestos / pollution / latent loss across a multi-year carrier tower using time-on-risk pro-rata (Owens-Illinois, Carter-Wallace, Boston Gas) or all-sums (Montrose III, Goodyear, Hercules). Embedded pro-rata math, horizontal vs vertical exhaustion, insured-shar

Map a claim-handling sequence to NAIC Unfair Claims Settlement Practices Act (UCSPA) Model standards as adopted in the situs state. Embedded California Insurance Code §790.03(h) 16 standards, Texas Insurance Code §541.060, and Florida §626.9541(1)(i). Identifies regulatory violat