AI for construction insurance agencies, tested first on contract reviews your account managers finished.

Each finished review is its own answer key. A contractor forwards an insurance article, and someone on your desk reads it against the forms schedule, writes back what is missing and asks the carrier for what can be added. The gap list and the emails that followed sit in the account folder. Your reviewer sets each AI draft beside that list, line by line, on the same contract.

Wrap-up programs have their own paper. Texas's Insurance Code defines a consolidated insurance program as one where a principal provides general liability, workers' compensation or both across one construction project or several. Public owners post the terms: the Port Authority of New York and New Jersey's contractor manual runs from June 2026 to June 2029, and the Metropolitan Washington Airports Authority's rolling program manual carries a September 2026 edition. That airports manual and a University of Kentucky cancer center project's manual each say on their face that the manual is a contract document, and the New York City School Construction Authority requires its manual to go to subcontractors as one. An enrollment file is read against a contract document with a term, so the sample has to carry the edition in force when each sub was awarded.

Builders risk sits somewhere different on each program. The Port Authority's master OCIP carries builder's risk inside the program and leaves the deductible with the contractor. The Judicial Council of California bought builders risk separately from the OCIP on its El Centro courthouse, with contractors of any tier endorsed as additional named insureds and the carrier's subrogation waived among them. On the Kentucky project, the contractor-controlled program provides no builder's risk coverage at all. Your account manager has to know which case applies before reading the subcontractor's certificate.

States draw the additional insured line differently. Oregon's section 30.140 voids a construction agreement's provision making someone indemnify another for damage caused by that other party's negligence, and the notes of decisions on it reach a requirement to buy insurance covering the other party. Colorado's section 13-21-111.5(6) allows an additional insured requirement only as far as it covers the indemnitor's own acts or omissions, voids the rest, and says the subsection does not apply to builder's risk insurance. An insurance article copied from another state's job can ask for more than this state will honor. Those are short summaries, not legal advice.

One limit covers both jobs. Commercial projects only. The proof of concept works on copies and never touches your agency management system, a carrier portal, a live policy or a live certificate. It never decides whether coverage exists and never issues a certificate. A licensed person reviews every gap list and a program administrator approves every enrollment, and nothing here is legal or insurance advice.