Policies
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.
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.
Accounts receivable coverage pays collection losses and reconstruction costs when receivable records are damaged. Compares two insurers' forms; 120 insurers file it.
Actual cash value loss settlement applies depreciation or a payment schedule, often to wind or hail roof losses. Compares two insurers' forms; 374 insurers file it.
Agreed value coverage values covered property at a scheduled or agreed amount instead of replacement cost or ACV. Compares Harco and Grange forms; 260 insurers file it.
An artificial intelligence exclusion limits coverage for claims involving AI systems, generative tools or outputs. Compares four insurers' forms; 47 insurers file it.
Auto medical payments coverage pays medical expenses for covered persons injured in or around a covered auto. Compares two insurers' forms; 170 insurers file it.
Business income and extra expense coverage pays lost income and added costs when a covered event halts operations. Compares two insurers' forms; 304 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.
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.
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.