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STRUCTURED POLICY INTELLIGENCE

Insurance you can verify.

We read the actual policy — the wording, the limits, the exclusions — and tell you exactly what it covers, what it doesn't, and whether it's right. Every answer traces back to the clause.

READ THE STRUCTURE
Ingest policy documents, classify wordings, normalise terms, and map how clauses interact.
SURFACE WHAT MATTERS
Gaps, exclusions and conflicts — identified and traced to the exact supporting clause.
SHOW YOUR WORKING
Every answer points to its source clause — visible in every screen, report and recommendation.
The problem

The exclusion that matters is on page 87.

A policy looks fine on the pages anyone actually reads. The clause that decides your claim sits dozens of pages deep -- and no one was ever going to find it by hand.

PAGE 1
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PAGE 64
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PAGE 80
PAGE 87
PAGE 88
PAGE 92
Page 87 -- §11.4 exclusion
Contents are excluded from fire cover unless Endorsement E7 is attached. It isn't.
Page 1 / 124
01 -- ON THE SURFACE
It all looks fine.
The schedule reads cleanly. The cover sounds right. This is as far as most people -- including many professionals -- ever get.
02 -- UNDERNEATH
124 pages of conditional language.
Definitions, provisos and endorsements that quietly rewrite each other. Too much, too dense, to read by hand.
03 -- PAGE 87
One clause changes everything.
A buried exclusion removes the cover you thought you had -- and you'd only discover it at claim time, when it's too late.
04 -- WITH POLICYCHECK
Found in seconds. Shown with proof.
PolicyCheck reads every page, surfaces the clause that matters, and points to exactly where it came from -- before you're committed, not after.
The Solution

Multiple documents. One context.

A policy is never one document. It's a wording, endorsements, a binder and mid-term adjustments — all layered on top of each other. SPI reads them as one connected structure.

Policy wording
Section 4 -- Property damage
Endorsement E7
Contents -- added back
Binder -- BA-2241
Authority & limits
MTA -- v2024-11
Mid-term adjustment
Context resolved -- all layers aligned
How the agents read it
  • 01Read the wordingStart from the base policy -- every clause, classified.
  • 02Overlay endorsementsEach endorsement layered onto the clauses it changes.
  • 03Link the binderAuthority and limits the wording must sit inside.
  • 04Apply the MTAsMid-term adjustments stacked in version order.
Our Customers

One engine. Three audiences.

The same intelligence, from advice to oversight.

Structured policy intelligence that scales from individual adviser comparisons to portfolio-wide delegated authority oversight.

Managing agents

Operational pressure

Live oversight before bind: a digital twin of every binder, every policy checked as written, continuous audit and exception data.

Coverholders

Operational pressure

Faster automated authority checks — within, refer, or outside — fewer surprises, audit-ready evidence produced at issuance.

Brokers

Operational pressure

Faster answers traced to the clause, coverage-gap identification at scale, defensible recommendations you can stand behind.

Behind the scenes

Five AI agents. One policy. Working together.

Each agent checks one thing -- wording, endorsements, authority, gaps, audit -- and they run in parallel. Their findings converge into one answer, every line traced to the clause that proves it.

Source -- Policy PB-4471
Property programme
WordingReads & classifies clauses
EndorsementOverlays changes
AuthorityChecks the binder limits
GapFinds what's missing
AuditEvidences every step
Why not just an LLM?

A model is the engine. This is the vehicle.

Structured Policy Intelligence isn't four features bolted together -- it's one system. The model reads; everything wrapped around it makes the answer defensible in a regulated market.

Reads structureBuilt for regulationDomain depthShows its workingTHE MODEL
LAYER 01 / 04

Reads structure, not just words

A general model reads a document and answers a prompt. SPI ingests the policy, classifies the wording, normalises the terms and maps how clauses interact -- so it understands that a definition on page 80 rewrites a cover on page 4.

Clause cascade detected
One system. Each layer needs the one beneath it.
For managing agents

Risk doesn't wait for the annual audit.

Point-in-time oversight checks the book once a year. Between stamps, exposure and authority drift build unseen. PolicyCheck checks every policy as it's written, so the gap never opens.

Point-in-timeAudit once a year
Unseen exposure: 0%
M1M2M3M4M5M6M7M8M9M10M11M12
PolicyCheckContinuous — every policy, as written
Unseen exposure: 10%
Point-in-time
Oversight arrives after the decision. By the time a problem surfaces, the avoidable risk is already on the book.
Continuous
Every policy included and evidenced to the clause — exceptions surface early enough to act on, not at next year's audit.
For coverholders

Within authority? Know before you bind.

Every risk is checked against your binder the moment it lands. Within authority, refer, or outside, with the rule that decided it and audit-ready evidence produced at issuance.

Incoming risks
Cafe -- Auckland CBD
Property -- sum insured $850k
Warehouse -- Brisbane
Property -- sum insured $9.2m
Chemical plant -- Geelong
Property -- excluded occupancy
Authority check
Waiting for a risk...

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