Exclusions
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.
This focuses on forms whose names identify them as exclusions, so broad endorsement records do not crowd out the specific exclusion families.
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.
An absolute pollution exclusion removes or sharply limits coverage for pollution injury, damage and cleanup. Compares eleven insurers' forms; 424 insurers file it.
A PFAS exclusion limits coverage for injury, damage, cleanup or liability from per- and polyfluoroalkyl substances. Compares four insurers' forms; 355 insurers file it.
A cannabis exclusion limits coverage for operations, products or premises involving cannabis, marijuana or hemp. Compares two Cincinnati forms; 333 insurers file it.
A ransomware exclusion names ransomware and excludes or limits ransomware loss, extortion threats and related expense. Compares four insurers' forms; 15 insurers file it.
A biometric privacy exclusion limits coverage for claims over fingerprints, face geometry or biometric privacy laws. Compares four insurers' forms; 167 insurers file it.
A prior acts exclusion limits coverage for acts, errors or events that occurred before a specified date. Compares Federal and Vantapro forms; 115 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.
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.
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.