Declarations
Declarations and schedules show how policy-specific information is presented: insured details, coverage parts, limits, deductibles, locations, premiums, forms, and endorsements.
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.
Equipment breakdown coverage pays loss from mechanical, electrical or pressure breakdown of covered equipment. Compares two insurers' forms; 440 insurers file it.
These exclusions remove coverage for injury, damage or loss arising from a certified act of terrorism. Compares two insurers' forms; 295 insurers file it.
An expected or intended injury exclusion removes coverage for injury or damage an insured expected or intended. Compares two insurers' forms; 66 insurers file it.
An extended reporting period lets claims be reported after a claims-made policy ends, subject to its dates and terms. Compares four insurers' forms; 545 insurers file it.
This exclusion can limit coverage for claims arising from an insured's failure to obtain or maintain insurance. Compares two insurers' forms; 50 insurers file it.
A failure to supply exclusion bars coverage for injury or loss from an insured's failure to supply utilities or water. Compares two insurers' forms; 82 insurers file it.
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.
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.
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.
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.
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.