PolicyCompareIQ™ — AI Policy Comparison Platform

01 — Dashboard

A workspace that tells you what to look at next.

Open the app and see what's in flight, what just finished, and where attention is needed — not a blank canvas.

app.policycomparepro.com/dashboard

Workspace › Overview

Good afternoon, John.

May 2026 + New comparison

Comparisons this month

37

▲ 22% MoM

Active jobs

3

2 processing · 1 queued

Avg. turn-around

1m 54s

▼ 12s vs last week

High-risk findings

11

across 4 reports

Recent comparisons See all →

DO

Hartwell Energy — D&O Renewal

B0823VIP2026 · finished 4 min ago

14 changed2 high

11:42

CY

Norden Maritime — Cyber Q2 2026

B1198 · 47 sections analyzed

38 same2 missing

10:08

MA

Trident Cargo Slip vs Wording

Marine Cargo · v3 prompt

3 partiallow risk

09:21

PR

Aurora Property — Renewal vs Quote

£42m PD · BI added

9 changedmed risk

Yesterday

Risk distribution Insights →

62open items

High risk · 20

Medium · 18

Low / informational · 24

Heads-up: 4 reports await sign-off before quarter close.

02 — Ingest

Drop two slips. We handle the rest.

The app detects which PDF is the baseline and which is the renewal from filename dates, validates the class-of-business, and queues the right prompt template.

↺Auto-ordering — baseline / renewal detected from period of insurance dates, never the wrong way round.
1111 classes supported — D&O, Cyber, Marine, Aviation, Property, Political Risk, Professional Lines, Crisis, Offshore Energy, Reinsurance, Fit-Out.
↥Drag, paste, or pick from history — accepts PDF up to 40MB per slip.

app.policycomparepro.com/upload

⬆

Drop both policy slips here

PDF · up to 40MB each · we keep your files encrypted at rest

📄 Hartwell_DO_2025_baseline.pdf ✕ 📄 Hartwell_DO_2026_renewal.pdf ✕

Class of business

Directors & Officers Liability ▾

Prompt version

v3.2 · production ▾

Baseline → Renewal ordering

Detected: 2025-04-01 baseline → 2026-04-01 renewal

app.policycomparepro.com/jobs/4711 · streaming

Job 4711 · D&O · Hartwell Energy

Analyzing 52 sections in parallel

elapsed 01:14 · ETA 00:42

01 · Done✓

Extract text

02 · Done✓

Schedule fields

03 · Running◐

Section MAP × 52

04 · Queued

Reduce + classify

05 · Queued

Clause deep-dive

Live signal

✓

UMR & Period extracted

B0823VIP2026 · 01 Apr 2026 → 31 Mar 2027

+00:03

✓

Premium parsed across both slips

Baseline £482,000 → Renewal £521,840 · +8.2%

+00:08

!

Possible Side-A drop-down removal flagged

Will be confirmed in REDUCE step

+00:42

03 — Processing

You don't wait in the dark.

A streaming progress view shows the map-reduce pipeline in real time — extraction, schedule parsing, parallel section MAP, sequential REDUCE, and clause deep-dive. Findings start appearing before the run finishes.

⚡Streaming UI — you see findings as they land, never frozen.
×52Parallel MAP over every section to keep median runtime under 2 minutes.
↻Interrupt safely — partial outputs are checkpointed; resume from where you stopped.

04 — Executive summary

The 30-second read. Then the deep dive.

Top-of-report distillation — what's same, what changed, what's missing, where the financial movement is, and which risks need underwriter attention.

app.policycomparepro.com/reports/4711/summary

Reports › Hartwell D&O 2026 › Summary

Executive summary

Gemini 2.5 Pro Sign off ▾

Same

31

no underwriter action

Changed

14

review delta wording

Missing

5

coverage absent in renewal

Partial

2

scope narrowed

Financial movement

Premium (net)	£482,000	£521,840 (+8.2%)
Limit of liability	£25m AOA / Agg	£25m AOA / Agg
Retention	£250,000	£500,000 (+100%)
Sub-limit (Crisis)	£2m	£1m
Brokerage	22.5%	22.5%

Risk implications · 7-part narrative

A. Financial — premium up 8.2%, retention doubled
B. Coverage — Side-A DIC removed; cyber exclusion broadened
C. Declarations — new statement re: subsidiary M&A activity
D. Risk implications — net coverage contraction for insured
E. Other — extended reporting period unchanged at 12 months
F. Assessment — recommend underwriter discussion before bind
G. Notes — broker indicates market hardening; comparable peers seeing similar movement

05 — Section-by-section diff

Every section. Every word. Every citation.

52+ standard sections rendered as a precise diff — insertions, deletions, status, risk, action — with deep links back to the source paragraph in both PDFs.

app.policycomparepro.com/reports/4711/diff

All 52 High risk · 6 Changed · 14 Missing · 5 Partial · 2

Group by section ▾ Export ▾

Section	Baseline 2025	Renewal 2026	Status
7. Side-A DIC drop-downPage 14 · Coverage	"Insurer agrees to drop down and pay non-indemnifiable Loss…"	Entire clause removed in renewal wording.	Missing High
14. Cyber exclusionPage 28 · Exclusions	"…shall not apply to ransomware events subject to a sublimit of £2,000,000."	"…shall not apply to ransomware events subject to a sublimit of £2,000,000. Absolute exclusion — no carve-back."	Changed High
9. RetentionSchedule · Page 4	Each Claim retention: £250,000	Each Claim retention: £500,000	Changed Med
22. Notification of claimsPage 41 · Conditions	"…as soon as reasonably practicable…"	"…within 30 days of becoming aware…"	Changed Med
11. Outside directorshipPage 23 · Extensions	"Cover extends to service on the boards of non-profit entities."	"Cover extends to service on the boards of non-profit and for-profit entities, subject to the company's written consent."	Partial Low
3. Insured entity definitionPage 6 · Definitions	Identical wording in both slips.	Identical wording in both slips.	Same

06 — PDF side-by-side

Trust, but verify in the source.

Click any finding and both PDFs jump to the cited paragraph, highlighted in the colour of the status. Synchronized scrolling, page jump, and a zoom slider make verification fast.

app.policycomparepro.com/reports/4711/pdf

Section 14 — Cyber ExclusionPage 28 of 64

Sync scroll ⇄ Zoom 110% Highlights · all

14. Cyber Exclusion

The Insurer shall not be liable to pay any Loss arising from any actual or alleged Cyber Event, except that this exclusion shall not apply to ransomware events subject to a sublimit of £2,000,000 in the aggregate.

For the purposes of this exclusion, Cyber Event means any unauthorized access, use, modification, disclosure, or destruction of electronic data, hardware, or software, including any related ransomware demand.

14. Cyber Exclusion

The Insurer shall not be liable to pay any Loss arising from any actual or alleged Cyber Event. This exclusion shall be absolute and no carve-back shall apply.

For the purposes of this exclusion, Cyber Event means any unauthorized access, use, modification, disclosure, destruction, or attempted access of electronic data, hardware, or software.

Same / unchanged Changed wording Material / removed

app.policycomparepro.com/reports/4711/chat

M

Has the retention change been pre-agreed with the insured, or is this a unilateral move by the insurer?

PCP

The renewal slip lists the retention as £500,000 (Schedule item 9, p.4). The baseline was £250,000. There is no broker note, endorsement, or correspondence referenced in either PDF that confirms the insured has agreed to this increase.

The cover note dated 14 Mar 2026 mentions "discussions ongoing with insured re: deductible level" — which implies the change was not yet confirmed at the time of slip preparation.

Schedule p.4Cover note p.2Section 9

M

Compare the cyber exclusion language to a typical LMA cyber endorsement.

PCP

The renewal wording closely tracks LMA5400 — the standard "absolute cyber exclusion" form. The key differences:

· Stricter: renewal adds "attempted access" to the cyber event definition, which is broader than LMA5400.
· Removed carve-back: baseline allowed a £2m ransomware sublimit; this is fully removed.

Net effect: cyber-related D&O liabilities are now uninsured under this policy.

Section 14 · renewalLMA5400 (web)Baseline p.28

⎘

07 — AI Assistant

Ask follow-ups. Get citations, not just answers.

The assistant has both slips in context plus optional web search for market comparables. Every answer cites the exact page or external source so you can verify in one click.

📎Attach up to 4 files (2MB each) for one-off comparisons against a market form or precedent.
🔗Citations linked to the page in the side-by-side PDF viewer.
↻Thread persistence per report — pick up the conversation a week later with full memory.

08 — Admin & prompts

Tune the model. Version every change.

Per-class prompts with version history, change notes, and one-click rollback. Reprocess any historical comparison against the latest prompt to backfill improvements.

app.policycomparepro.com/admin/prompts/do

Admin › Prompts › Directors & Officers

D&O · v3.2 (production)

v3.2 · live Deploy ▾

MAP prompt — section analyzer Diff vs v3.1 →

1# Role

2You are an expert D&O underwriter reviewing a single section of

3two policy slips (baseline + renewal). Produce a structured diff.

4

5# Output schema

6status: "same" | "changed" | "missing" | "partial"

7risk: "high" | "medium" | "low"

8summary: "One sentence: what the underwriter must know."

9citations: [{ page, paragraph, slip }]

10

11# Rules

12- Flag any Side-A DIC removal as high risk.

13- Treat absolute cyber exclusion as high risk.

Version history

v3.2

Add cyber absolute-exclusion rule

by you · 12 days ago

live

v3.1

Tighten Side-A risk grading

by S. Mensah · 27 days ago

AI-Ready Blueprint™

Read every clause. In two minutes, not four hours.

A workspace that tells you what to look at next.

Good afternoon, John.

Recent comparisons See all →

Risk distribution Insights →

Drop two slips. We handle the rest.

Drop both policy slips here

Live signal

You don't wait in the dark.

The 30-second read. Then the deep dive.

Executive summary

Financial movement

Risk implications · 7-part narrative

Every section. Every word. Every citation.

Trust, but verify in the source.

14. Cyber Exclusion

14. Cyber Exclusion

Ask follow-ups. Get citations, not just answers.

Tune the model. Version every change.

D&O · v3.2 (production)

MAP prompt — section analyzer Diff vs v3.1 →

Version history