Quotev4
Binder
Policy
TEST ACCOUNT — Demo Manufacturing & Logistics·Diversified Manufacturing / Distribution (Test Fixture)·$1.85B revenue·Eff 01/01/2026·Demo Brokerage Partners / T. Lovable

Tower Limit

$150M

$150M excess over $2M SIR

Total Premium

$3,177,500

Weighted $/M

$21.2K

Banyan GWP

$190,000

6.0% of tower

Largest Loss · 10Y

$12.4M

pierces SIR

Open Exceptions

2

Coverage Lines

GLGeneral Liability$150Mxs $2M
ALAuto Liability$150Mxs $2M
ELEmployers Liability$150Mxs $2M
CyberCyber$150Mxs $2M
HPLHealthcare Professional$150Mxs $2M
derived · hover for formula

AI Underwriting Summary

2026 Renewal · generated 3m ago

Synthetic test fixture exercising every Tower data-model field: per-occ + aggregate layers, premium breakdowns (base/TRIA/taxes/fees/brokerage), punitive pricing, ALAE, Banyan share + GWP, sticky overrides, multi-year exposure across revenue/payroll/units/miles/employees/locations, and full loss-run granularity (paid/reserve/ALAE split). The 2026 renewal is a $125M tower over $2M SIR with Chubb lead, AXIS/BHS XS1, Arch XS2 (aggregate cap), and two QS layers where Banyan participates 20% and 30% respectively. The open $12.4M Texas auto claim is the primary stress test — at policy limit it would pierce Excess 1.

Confirm Lloyd's Syndicate 2987 net line and Sompo binder authorityValidate Arch XS2 aggregate trigger language (reinstatement TBD)Stress-test tower against $30M auto-BI nuclear-verdict scenarioReconcile 2026 exposure forecast to audited 2025 payroll figuresConfirm Banyan QS allocation between Excess 3 (5M) and Excess 4 (15M)

Tower Structure · 2026 Renewal

BoundQuotedIndication
$0M ─
$38M ─
$76M ─
$114M ─
$152M ─
SIR$2M xs $0M
Lead Umbrella$25M xs $2M
Chubb
Excess 1$25M xs $27M
AXIS +1
Excess 2$25M xs $52M
Arch
Excess 3 (QS)$25M xs $77M
Argo +2BANYAN 5M
Excess 4 (QS)$50M xs $102M
Lloyd's Syndicate 2987 +2BANYAN 15M
2022 · $3.2M
2023 · $4.8M
2024 · $12.4M

Bars scaled by limit; carrier shown with composite count. Red dashed lines map historical incurred losses piercing above the SIR. Dashed gray outlines = expiring tower for delta read.