Applications
Applications show what carriers ask before they issue coverage. They can reveal eligibility rules, underwriting controls, risk attributes, and the data carriers collect from applicants.
FilingFocus converts each form into a numeric representation of its wording. The map compares distance between those representations, so forms with similar intent, not just keywords, appear closer together. This helps show repeated variants, related form families, and outliers.
Funds transfer fraud coverage pays loss from fraudulent instructions to transfer money or securities. Compares Beazley and Next Insurance forms; 76 insurers file it.
A fungi or bacteria exclusion limits coverage for loss, injury or cleanup connected to mold, fungi or bacteria. Compares two insurers' forms; 365 insurers file it.
Garagekeepers coverage pays for damage to customers' autos in the care of a garage, dealer, repair shop or valet. Compares two insurers' forms; 301 insurers file it.
A guaranteed renewal endorsement sets out a commitment to renew the policy, subject to stated terms and exceptions. Compares two insurers' forms; 35 insurers file it.
A habitability exclusion removes liability coverage for claims that rented premises were unsafe or unfit to live in. Compares RLI and Arch forms; 81 insurers file it.
Hired and non-owned auto coverage covers liability for autos a business hires, borrows or uses without owning. Compares two insurers' forms; 212 insurers file it.
Exclusions show where coverage stops. They can reveal how carriers address emerging risks, narrow coverage grants, carve back hazards, and respond to product-specific loss trends.
Policy forms are the core product language carriers submit to regulators. They define coverage grants, conditions, duties, limitations, exclusions, and the structure of the policy package.
Endorsements add, remove, clarify, limit, or customize policy language. They are one of the richest ways to see how carriers adapt coverage by product, state, industry, and emerging risk.
Declarations and schedules show how policy-specific information is presented: insured details, coverage parts, limits, deductibles, locations, premiums, forms, and endorsements.
Disclosures and notices show what carriers must tell policyholders, applicants, certificate holders, and insureds about coverage, rights, exclusions, renewals, cancellations, privacy, and state-specific requirements.
FilingFocus lets product, filing, actuarial, underwriting, and broker teams search policy forms, endorsements, exclusions, applications, notices, and form versions from one source-driven workspace.