Map a policy, and each endorsement shows on the section it changes

A policy is a cross-referenced document. A word in the exclusions means what the definitions say, unless an endorsement has changed it. Grounds for Insurance maps a policy you choose into an outline beside the PDF: declarations, coverage forms, definitions, exclusions, conditions and endorsements, each in its place. When the map can't place a change, it says so and asks you to pick the provision.

Discuss your agency's workspace See an endorsement on its section

A policy map in Redline: the policy's contents on the left with exclusion e. of Coverage A marked as changed, the exclusion in the middle with its old text struck through and the endorsement's wording set in, and the endorsement's page open in the PDF on the right with a clause highlighted. — An invented commercial general liability policy, mapped and shown in Redline. Exclusion e. of Coverage A has its old text struck through and the wording of the endorsement that replaced it set in, with the form and page it came from. The endorsement is open in the PDF at that page. The insurer, the insured and the policy are made up, written on the pattern of a standard liability form.

A policy map in Redline: a replaced exclusion with a tag naming the endorsement, its old text struck through and the endorsement's wording set in, and the endorsement's page open in the PDF on the right with the same clause highlighted. — Exclusion e. of an invented commercial general liability policy, mapped and shown in Redline: its old text struck through, the wording of the endorsement that replaced it set in, and the endorsement's page open beside it at the same clause. The insurer, the insured and the policy are made up, written on the pattern of a standard liability form.Exclusion e. of an invented liability policy in Redline: the old text struck through, and the wording of the endorsement that replaced it set in. The insurer, the insured and the policy are made up, written on the pattern of a standard liability form.

Exclusion e. of a liability policy in a policy map, with a tag naming the endorsement that replaced it, the old heading struck through, and the endorsement's wording set in on a green bar. — Exclusion e. of an invented commercial general liability policy, mapped and shown in Redline: its old text struck through, the wording of the endorsement that replaced it set in, and the endorsement's page open beside it at the same clause. The insurer, the insured and the policy are made up, written on the pattern of a standard liability form.Exclusion e. of an invented liability policy in Redline: the old text struck through, and the wording of the endorsement that replaced it set in. The insurer, the insured and the policy are made up, written on the pattern of a standard liability form.

An endorsement is drawn onto the section it changes

Endorsements are written as instructions: this exclusion is replaced, that definition is amended, this paragraph is deleted. For each instruction, the map finds the section it points to and marks that section. An AI model finds the changes, and it can put one on the wrong provision. Before you rely on the map, check the change card, which shows the endorsement's own instruction and page.

Read the section in Redline, with the removed words struck through and the endorsement's wording set in under its form and page, or in Clean, with only the wording in force. Endorsements issued separately can be added to the same map.

As written As amended

The forms as printed, with no endorsement applied.

Cancellation condition replaced, 71 02 condition added, 71 02 additional insureds added, 40 12 coverage added, 40 12 exclusion added, 40 12 limit added, 40 12 provision added, 41 06 deductible added, 45 02 paragraph 2. of Section III amended, 46 11 exclusion e. replaced, 47 03 definition added, 47 03 paragraph f. replaced, 47 21 exclusion added, 48 09 Coverage C deleted, 49 30 paragraph 7. of Section III deleted, 49 30 Coverage Part amended, 49 30 condition 9. amended, 71 02

16 forms on the schedule, 15 attached. 104 sections, 27 defined terms, 332 uses. 9 endorsements make 17 changes.

The invented policy, drawn from the map Grounds made of it on 3 October 2026: every form in order, its sections as ticks, and grey lines joining each defined term to where it's used. The blue layer is what the endorsements change. The schedule lists one form that isn't in the policy.

List the changes

LCI IL 71 02 04/25 replaces the Cancellation condition of the Common Policy Conditions.
LCI IL 71 02 04/25 adds a condition to the Common Policy Conditions.
LCI CG 40 12 04/25 adds additional insureds to Section II, Who is an insured.
LCI CG 40 12 04/25 adds coverage to Section II, Who is an insured.
LCI CG 40 12 04/25 adds an exclusion to the Commercial General Liability Coverage Part.
LCI CG 40 12 04/25 adds a limit to Section III, Limits of insurance.
LCI CG 41 06 04/25 adds a provision to the Other Insurance condition in Section IV.
LCI CG 45 02 04/25 adds a deductible to Section III, Limits of insurance.
LCI CG 46 11 04/25 amends paragraph 2. of Section III, Limits of insurance.
LCI CG 47 03 04/25 replaces exclusion e. of Coverage A.
LCI CG 47 03 04/25 adds a definition to Section V, Definitions.
LCI CG 47 21 04/25 replaces paragraph f. of the definition of "insured contract".
LCI CG 48 09 04/25 adds an exclusion to the exclusions of Coverage A.
LCI CG 49 30 04/25 deletes Coverage C.
LCI CG 49 30 04/25 deletes paragraph 7. of Section III, Limits of insurance.
LCI CG 49 30 04/25 amends the Commercial General Liability Coverage Part.
LCI IL 71 02 04/25 amends the When We Do Not Renew condition in Section IV.

A change card showing an endorsement's instruction, and the definition's paragraph f. as written above the same paragraph as changed. — The change card for the endorsement that replaced paragraph f. of the “insured contract” definition, with its instruction. The new paragraph makes a contract an insured contract only to the extent the injury is caused, at least in part, by the named insured's negligence or that of anyone acting for it. The policy is invented.

Click a defined term and its definition opens where you're reading

If an endorsement replaced the definition, you see the version in force and the one it replaced. If a term is defined twice and nothing says which controls, the map says that too. Terms used inside a definition are links, so you can follow one definition into the next, and the terms list shows where each one is used.

The definition of "insured contract" opened in a policy map: its section and page, a line naming the endorsement that replaced its paragraph f., and the definition's text. — “Insured contract” in the invented policy, with the endorsement that replaced its paragraph f. named at the top.

Ask a coverage question and the answer quotes the policy

In chat, the AI works from the policy and the rest of the account's documents, and answers with quotes from the policy language. The link under a quote opens the PDF at the highlighted words, and you can read the exclusion and its exception for yourself. With a mapped policy, the answer can also draw on the definitions and endorsements the map found.

A chat answer quoting the one exception in a liability policy's exclusion for injury to employees and contractor workers, with a link to the endorsement under the quote. — A broker asks whether the owner, added as an additional insured, is covered for an injury claim by a subcontractor's worker. The answer quotes the one exception to the policy's exclusion for injury to employees and contractor workers, and its link opens that endorsement in the PDF at the quoted words. The account and the policy are invented.A chat answer quoting the one exception to the policy's exclusion for injury to employees and contractor workers. The link under the quote opens the endorsement in the PDF at those words. The account and the policy are invented.

A chat answer quoting the exception in a liability policy's exclusion for injury to employees and contractor workers, with a link to the endorsement under the quote. — A broker asks whether the owner, added as an additional insured, is covered for an injury claim by a subcontractor's worker. The answer quotes the one exception to the policy's exclusion for injury to employees and contractor workers, and its link opens that endorsement in the PDF at the quoted words. The account and the policy are invented.A chat answer quoting the one exception to the policy's exclusion for injury to employees and contractor workers. The link under the quote opens the endorsement in the PDF at those words. The account and the policy are invented.

The declarations come out as a table you can check against the page

Named insured, policy period, limits, deductibles and premium are pulled into a table, and each value opens the declarations page it came from. The forms schedule is compared with the forms actually attached, and a form that's listed but missing, or attached but not listed, is called out.

A policy map's summary beside its contents: the named insured, insurer, producer, policy period and limits, then the forms count, 16 scheduled and 15 attached, with a line saying one scheduled endorsement isn't attached. The contents list that endorsement as scheduled and not attached. — The map's summary of the invented policy's declarations, with its count of forms. The schedule lists a waiver of subrogation endorsement that the policy doesn't contain.

A policy map's summary on a phone: the policy's limits, then the forms count, 16 scheduled and 15 attached, with a line saying one scheduled endorsement isn't attached. — The map's summary of the invented policy's declarations, with its count of forms. The schedule lists a waiver of subrogation endorsement that the policy doesn't contain.

For agencies and brokers, we build the system around your forms and your book of business

An agency's work runs through a handful of documents. We set up proposals, renewal letters and coverage summaries as templates and workflows in your formatting, and schedules and loss runs as spreadsheets the AI can fill in. A client portal can be added if you want clients to see and send documents in one place, with anything they upload held for your staff to approve. Tell me what leaves your agency as a document today, and we'll start there.

If you only need the policy map, say so when you write.

A spreadsheet of a contract's insurance requirements, one per row, with the policy form, the policy's words and a status for each, and the waiver of recovery requirement (§12.4) marked to check because its endorsement, LCI CG 42 18, is on the policy's schedule and missing from the policy. — A spreadsheet built in chat from a construction contract's insurance requirements and the client's policy, for the team to check. The waiver of recovery the contract requires depends on an endorsement that's on the policy's schedule and missing from the policy. The account, the contract and the policy are invented.

Where your policies are kept, and who can open them

Storage: Documents and records are stored with Supabase, our database host, in the U.S. East region.
Models: Model calls run on AWS Bedrock under zero-data-retention terms, so the model provider doesn't store what you send or train on it. Web search reaches other services, and only when it's used.
Encryption: Document text, summaries, chat messages and drafts are encrypted with your agency's own key before they're stored, and every query is scoped to your agency.
Access: We can restrict an account to its team, and the restriction covers pages, search and the AI's own tools. A security log records who opened, downloaded or exported each document.
Your files: Drafts download as Word files at any time, and we'll export your agency's records on request.

Tell me which policies and documents your team works through most

I'm Joe Wilbert. I read every note and answer it myself.