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PolicyCompareIQ™

know exactly what changed

AI-powered clause-level comparison for policies, contracts, and regulatory documents. Every material difference identified, severity-rated, and traced to its source clause.

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PC
PolicyCompareIQ™
New Comparison
Marine Hull Policy — 2024 vs 2025 Renewal
47 clauses compared · 12 changes detected · 3 critical
Clause20242025Status
Coverage Limit$5M$3MCritical
Deductible$50K$75KCritical
War Risk ExclusionClause 12bClause 14cChanged
Navigation AreaInstituteInstituteSame
Premium Rate0.35%0.42%Changed
Piracy CoverageIncludedExcludedCritical
Clause-level accuracy
Fast results — time varies by document size
Human review before any output
PDF, DOCX & images accepted
Audit-ready output
What the Platform Does

Every stage of the comparison workflow.
One platform.

PolicyCompareIQ™ brings every stage of the policy comparison workflow into a single intelligent platform — from upload to export, with AI at every step.

Compare
Upload any two policy documents and get a structured analysis of every difference — clause by clause, with speed depending on document length and complexity.
Policy Schedule
View baseline vs renewal fields side-by-side — premium, limits, deductibles, jurisdiction, and every key term in a structured table.
Section by Section
Every clause grouped by section, with status, risk level, and AI-drafted plain-English summaries of what changed and why it matters.
Executive Summary
A structured risk summary showing same, changed, missing, and partial clauses — with financial impact, coverage change, and elevated risk categories.
Side-by-Side
View both policy texts side by side with differences highlighted inline — with a detected changes panel showing status, risk level, and notes.
PDF Side-by-Side Viewer
View both original PDFs rendered side by side — with changes, additions, and removals highlighted directly on the source pages in both documents simultaneously. Synced scrolling keeps both in lock-step.
XAI Evidence
Every AI finding is accompanied by its evidence source, justification, and a validation status — so every conclusion is traceable and auditable.
Export & History
Download full comparison reports as PDF, send via email, or access version history. Every comparison stored and searchable for audit and renewal.
Ask AI Assistant
Ask any question about your policy documents in plain English. The AI has read both documents and answers with clause-level citations.
Prompt Editor
Configure exactly what the AI analyses for each business class — define sections, add reasoning rules, and version your comparison framework.
Platform Preview

See PolicyCompareIQ™ in action.

A curated preview of the key screens. Book a live demo to see it running on your own documents.

app.marzallabs.com/compare
MARZAL LABS · DEMO PREVIEW
Compare data from any
Insurance document at scale
Upload two policy documents to start a comparison.
Drag & drop files here, or click '+' to browse
Supports PDF, TXT, PNG, JPG files up to 2 GB. Max 2 documents.
+
Offshore Energy ↓
PC
Policy Compare Pro
Policy analysis workspace
MAIN
Dashboard
Uploads
CONFIGURATION
Prompt Editor
Business Class
A
Admin
Administrator
Sign out
Dashboard
Pipeline activity and portfolio totals.
3
COMPLETED
0
PROCESSING
0
FAILED
3
UPLOADS
THROUGHPUT (7D) +100%
Current
3
Prior
0
PORTFOLIO MIX
26
Changed
14
Missing
0
Partial
2
High Risk
0
FAILED
0
STALLED
2
HIGH RISK
2
REVIEW
Compare Results
All Users ↓All Business Plans ↓+ New Comparison
All (3) Processing (0) Failed (0) High Risk (2)
NAMEBUSINESS PLANCOMPARED ONPROVIDERMODELPROGRESSSTATUSACTION
Offshore Energy Slip Renewal 2025
1 high-risk clause(s)
Offshore Energy27/03/2026, 15:35GEMINIgemini-2.5-pro
100%
Completed
ViewDelete
Cargo Policy Renewal 2025
1 high-risk clause(s)
DnO27/03/2026, 14:58GEMINIgemini-2.5-pro
100%
Completed
ViewDelete
Marine Cargo Signed Slip 2026
Offshore Energy27/03/2026, 14:22GEMINIgemini-2.5-pro
100%
Completed
ViewDelete
Showing 1-3 of 3
BUSINESS CLASS — OFFSHORE ENERGY
Offshore Energy Slip Renewal Comparison
Sections: 7 Wording Checks: 53 Material Changes: 13
Baseline Policy 2024 - PPL.pdf → Renewal Policy 2025 - PPL.pdf
← Back to Dashboard
Key Changes 24 Policy Schedule 24 Exceptions 13 Full Comparison 53 Validation 53 Evidence
Summary Side-by-Side ○ PDF Side-by-Side ↻ Reprocess Export
EXECUTIVE SUMMARY
SAME
40
CHANGED
5
MISSING
8
PARTIAL
0
A) FINANCIAL CHANGESFINANCIAL IMPACT
14%
B) COVERAGE CHANGESCOVERAGE CHANGE
100%
D) RISK IMPLICATIONSELEVATED RISK
57%
RISK SUMMARY
HIGH
● 0
MEDIUM
● 2
LOW
● 11
ASSESSMENT NEEDED
BUSINESS CLASS — OFFSHORE ENERGY
Offshore Energy Slip Renewal Comparison
Key Changes 24 Policy Schedule 24 Exceptions 13 Full Comparison 53 Validation 53 Evidence
1.4 Policy PeriodChanged
Policy period renewed from 01 Jan 2024–31 Dec 2024 to 01 Jan 2025–31 Dec 2025.
Section 1.4 · Risk · Low
4.1 Premium & Payment TermsChanged
Minimum and deposit premium decreased from USD 493,612.34 to USD 475,000.00.
Section 4.1 · Financial · Medium
2.1 Notice / PreambleMissing
No claims-made preamble in either policy. Absence signals coverage scope uncertainty.
Section 2.1 · Coverage · Low
5.4 Security DetailsChanged
An underwriting participant is no longer listed as a signed underwriter in the Renewal.
Section 5.4 · Security · Medium
Offshore Energy Slip Renewal Comparison
Exceptions — Live Demo
See how PolicyCompareIQ™ flags contractual exceptions, coverage gaps, and clauses that require underwriter review — on your own documents.
AI Confidence & Evaluation
OVERALL CONFIDENCE SCORE 85%
Summarizes confidence across all evaluation aspects.
The comparison data is highly structured, with clear summaries, citations, and change indicators for each section. Most changes are clearly articulated with specific values. The frequent 'page-not-found' for citations slightly reduces confidence in direct wording verification from original documents.
DOCUMENT CLARITY
Confidence Score70%
While summaries are clear, the page-not-found status for many citations indicates that direct page number extraction was challenging.
STRUCTURE MATCHING
Confidence Score95%
The provided comparison data is already perfectly structured into the required sections, indicating a high-quality initial comparison process.
WORDING EXTRACTION
Confidence Score80%
Summaries and change vectors are detailed and specific wording is often quoted. However, exact wording cannot always be fully verified against original pages.
Offshore Energy Slip Renewal Comparison
Key Changes 24 Policy Schedule 24 Exceptions 13 Full Comparison 53 Validation 53 Evidence
Summary Side-by-Side ●
Baseline Policy 2024 - PPL.pdf
Risk
1.4 Policy Period
The Policy Period for the Baseline policy is from 01 January 2024 to 31 December 2024, both days inclusive, Local Standard Time at the location of the Property Insured.
1.7 Optional Extension Period (OEP)
Not present in the slip.
2. Scope of Coverage
2.3 Limit: Section 2 (Control of Well)
Not present in the slip.
Renewal Policy 2025 - PPL.pdf
Risk
1.4 Policy Period
The Policy Period for the Renewal policy is from 01 January 2025 to 31 December 2025, both days inclusive, Local Standard Time at the location of the Property Insured.
1.7 Optional Extension Period (OEP)
Not present in the slip.
2. Scope of Coverage
2.3 Limit: Section 2 (Control of Well)
Not present in the slip.
Detected Changes (13)
2.1 Notice / PreambleMissing
Absence of a claims-made basis preamble signals coverage scope uncertainty.
● Low
1.4 Policy PeriodChanged
Policy period renewed for the subsequent year, confirming standard annual renewal.
● Low
7.1.7 Optional Extension PeriodMissing
No OEP in either policy. No coverage gap introduced.
Offshore Energy Slip Renewal Comparison
PDF source: auto-loaded from comparison 100% 🔒 Sync Side Highlight Use local files
Baseline Policy 2024 · PPL.pdf
Dated: 21 December 2023  |  Slip Leader (Stamped, or as agreed on PPL)
● 1 change
RISK DETAILS
UNIQUE MARKET REFERENCE: AB1284 10227BE24 TYPE: Energy Facultative Reinsurance of Contractor's Plant and Machinery, as more fully defined in the policy wording
ORIGINAL INSURED:
Name:Offshore Energy Operator Ltd. Address:One Energy Plaza, Floor 7, Suite D City:Aberdeen Country:United Kingdom
REINSURED:
Reinsurance Carrier Alpha S.A.
PERIOD:
From:  01 January 2024
To:    31 December 2024
INTEREST:
All Risks of Physical Loss or Physical Damage with respect to the Original Insured's drilling rigs and associated equipment as detailed in the Information section of this Market Reform Contract, and whilst in storage and/or in transit and/or in use in locations Onshore and Offshore.
Renewal Policy 2025 · PPL.pdf
Dated: 18 December 2024  |  Slip Leader (Stamped, or as agreed on PPL)
● 1 change
RISK DETAILS
UNIQUE MARKET REFERENCE: AB128410227BE25 TYPE: Energy Facultative Reinsurance of Contractor's Plant and Machinery, as more fully defined in the policy wording
ORIGINAL INSURED:
Name:Offshore Energy Operator Ltd. Address:One Energy Plaza, Floor 7, Suite D City:Aberdeen Country:United Kingdom
REINSURED:
Reinsurance Carrier Beta S.A.
PERIOD:
From:  01 January 2025
To:    31 December 2025
Both days inclusive Local Standard Time at the location of the Property Insured.
INTEREST:
All Risks of Physical Loss or Physical Damage with respect to the Original Insured's drilling rigs and associated equipment as detailed in the Information section of this Market Reform Contract, and whilst in storage and/or in transit and/or in use in locations Onshore and Offshore.
SectionsGeneral Diff
Changes (13)
2.1 Notice / PreambleMissing
1.2 • Low
1.4 Policy PeriodChanged
1.4 • Low
7.1.7 OEPMissing
1.7 • Low
2.3 Limit: Control of WellMissing
2.3 • Low
Prompt Editor
Manage and version prompt sections outside Admin settings.
Back to Dashboard
Business Class Linked COBs: Cargo v12 · 9bbd92e23413
History Add Section Add Row Export Excel Import Excel Save
SLNO
SECTION TITLE
CATEGORY
DESCRIPTION
ANALYSIS / REASONING
ACTIVE
ACTIONS
▼ 2.
Identity & Administrative
↑ ↓ + ×
2.1
UMR & Administrative
Admin
Policy reference, broker, class of business, syndicates
Compare UMR — confirm renewal UMR cross-references the expiring policy number. Compare producing broker or coverholder — flag any change; check TOBAs and profit commission arrangements require review.
↑ ↓ + ×
2.2
Insured / Assured
Admin
Named insured, additional insureds, loss payees
Compare named insured legal name — changes may indicate M&A, restructuring, or assignment; review original assured wording. Compare additional insureds — flag any new AIs that significantly extend the insured class.
↑ ↓ + ×
2.3
Period / Policy Dates
Admin
Inception, expiry, continuous cover, retroactive date
Check renewal inception is contiguous with expiring expiry — even a 1-day gap creates uninsured exposure for transits in progress. Compare policy period — a change from 12 to 18 months affects earned premium calculation.
↑ ↓ + ×
▼ 3.
Risk & Exposure
↑ ↓ + ×
3.1
Interest / Subject Matter
Risk
Commodity, packing, temperature, IMO class
Compare commodity description — broadening increases moral hazard; narrowing may exclude goods shipped this year. Flag any new commodity types added (electronics, pharmaceuticals, etc.).
↑ ↓ + ×
This is a curated preview — the full platform runs on your own policy documents.
Book a 30-minute session and we'll run a live comparison on your actual renewals.
Use Cases

Built for every stage of the policy lifecycle.

PolicyCompareIQ™ fits into the workflows where document comparison matters most — at renewal, at claim, at submission, and at review.

Renewal Underwriting
Policy renewal wording review
Underwriters compare expiring and renewal wordings clause by clause — catching retroactive date changes, new exclusions, and narrowed definitions before the policy binds.
Claims Investigation
Policy wording vs. claim basis
Claims handlers compare the wording in force at the time of the alleged wrongful act against the current wording — identifying coverage gaps relevant to the claim.
Broker Submission
Multi-market quote comparison
Brokers compare quote wordings from multiple carriers — identifying material differences in coverage terms and presenting clients with a structured view of what each option actually provides.
Regulatory Review
Policy against regulatory standards
Compliance teams compare policy wordings against FCA guidance, Lloyd's minimum standards, or internal benchmarks — flagging gaps before submission to the regulator or market.
By the Numbers

Measurable outcomes from day one.

Fast
End-to-end clause comparison — speed scales with document size and complexity
100%
Clause coverage — no missed differences, no overlooked exclusions
XAI
Source clause cited for every finding with full justification
HITL
Human review gate before any report is finalised — mandatory, not optional
Engineering Standards

Built to the standards
regulated industries require.

Every agent we build carries the same non-negotiable standards. PolicyCompareIQ™ is no exception.

Explainable AI at every layer
Every finding is explained in plain English and traced to its source clause. Reviewers can validate the reasoning — not just the conclusion.
Human-in-the-Loop mandatory
No report is finalised without a human reviewer confirming the findings. HITL is architecture, not a feature.
Immutable audit trail
Every document, finding, and human decision — timestamped and logged. Regulatory-grade traceability from input to output.
Deployed in your environment
Your documents stay in your infrastructure. We deploy into your cloud tenant — your data, your controls, your security team's oversight.

See a live comparison
on your documents.

30 minutes. Your actual policy wordings. We run a comparison and walk you through the findings in real time.

No setup required  ·  Your documents, your infrastructure  ·  Available now