"Is the policy submission occurrence-based or claims-made, and what is the retroactive date?"

"Does this policy cover damage to my client's building that occurred while my insured was performing renovation work?"

"Explain the Dependent Business Interruption coverage limit to my non-technical client."

"Compare the crime insurance endorsements in the Chubb and Travelers policies—specifically the employee theft coverage limits, discovery periods, and any exclusions for inventory shortages."

"This Absolute Pollution Exclusion endorsement was added to my client's property policy—does this mean damage from mold or lead paint is no longer covered?"

"Is this waiver of subrogation endorsement blanket (applies to all contracts) or scheduled (applies only to named parties), and does it affect claims against the landlord?"

"How does this Limited Pollution Liability endorsement modify the base CGL policy—does it provide affirmative coverage or just narrow an existing exclusion?"

"Add a one-page premium summary table showing the total premium, key coverage limits (GL, Property, Auto, Umbrella), deductibles, and effective dates."

"Add the insured's three location addresses and building values above the property and liability coverage sections."

"My client's subcontractor caused water damage while installing plumbing at a customer's office—would the client's CGL policy or the subcontractor's policy respond first, and is there any contractual liability coverage?"

"Would this cyber liability policy respond to a ransomware attack that encrypted my client's servers and demanded a $50,000 bitcoin payment, including business interruption losses during the 5-day shutdown?"

"List the key underwriting questions I should ask for a food processing plant with 150 employees, including safety protocols, equipment maintenance, and recall procedures."

"What information will underwriters need for a metal fabrication shop with welding operations—should I include fire suppression details, employee training records, and contract values?"

"Draft a professional email explaining to my client why their commercial property premium increased 18% this year due to two water damage claims and increased replacement cost values."

"How do I explain to my restaurant client why the insurer is requiring a warranty that all deep fryers must have automatic fire suppression systems installed within 60 days?"

"Does this claims-made professional liability policy require that claims be reported within 30 days of the incident, or only within the policy period, and what happens if my client is late?"

"How might this athletic and recreation exclusion affect coverage for a slip-and-fall claim if a customer was injured in the client's gym during a yoga class?"

"Clean up this coverage summary I drafted for a client—make it more professional, remove jargon, and organize it by coverage type with bullet points."

"Turn my handwritten renewal meeting notes into a polished proposal summary with sections for current coverage, gaps identified, and recommended changes."

“Summarize this policy for a non-technical client in 3–4 bullet points.”

“Compare the two Asbestos Exclusions and tell me which is more restrictive”

Being too vague. Saying “email” alone doesn’t provide the AI Assistant enough guidance.

Paste the exact clause / endorsement text, or

Upload the policy/endorsement using the + icon to the left of the text box.

“For a small contractor client in Ontario, explain what this faulty workmanship exclusion does, in language they’ll understand.”

“Highlight any material coverage restrictions in this endorsement.”

“For this scenario, which policy is most likely to respond based on this wording?”

“What are the main coverage pitfalls here that I should flag to my client?”

“Explain this policy, analyze coverage for three scenarios, draft an email, and give marketing tips.”

“First: summarize key coverages and major exclusions for a client.”

“Next: analyze this specific claim scenario.”

Deciding whether specific wording is legally enforceable or compliant with law

Tax treatment of premiums or claims

Legal duties of directors/officers beyond what’s in the policy wording

The AI Assistant won’t help with anything deceptive, non-compliant, or misleading.

Be sure to attach or paste the actual wording the AI Assistant should refer to. It cannot guess based on the title or code alone.

The AI Assistant is there to support your decision-making process by providing insight and helpful information — not make binding or suitability decisions for you.

Use the blue Intercom chat bubble in the lower right corner of the Coverflow platform to talk to the team about product support.

The AI Assistant can’t reference current rates, markets, or live wordings. You need to provide the text/documents you want to analyze, or ****share a URL to a website you’d like the AI Assistant to reference.

Proposal templates often feature materials with non-editable, department-approved language, such as About the Agency pages, legal disclosures, and/or other materials with binding language. The AI Assistant will not edit these pages.