Finds the clause, the exclusion and the condition — and lets a person decide
Coverage questions get answered from memory, because the wording is forty pages long, the endorsements amend it in three places, and the caller is on hold. That is how a claim gets wrongly discouraged and how a policy gets mis-described at the point of sale.
This agent reads the wording instead. Ask whether a situation falls within cover and it returns the operative clause, the exclusions that touch it, the conditions the insured must have satisfied, and any endorsement that changes the position — each quoted, each with the document and section it came from.
What it will not do is tell you the answer. It does not decide coverage, does not accept or decline a claim, and does not advise a customer. It puts the relevant wording in front of a handler or broker in ten seconds instead of twenty minutes, and the decision stays with the person who is authorised to make it.
The wording found and quoted while the caller is still on the line.
Two handlers asked the same question get the same clauses, not two recollections.
Every answer records which wording and which version it came from — which is what a complaint file needs.
The operative clause as written, with the document and section, never a paraphrase of what it probably says.
An answer that shows the grant of cover and omits the exclusion is the answer that causes complaints.
Checks whether an endorsement amends the clause, because the base wording alone is often the wrong answer.
Notification periods, warranties and duties the insured must have met for the clause to respond.
An unaddressed situation is reported as unaddressed and referred, not resolved by inference.
No coverage determination, no claim accepted or declined, no advice to a policyholder. By design and in every output.
This agent runs server-side through the PROMIVO runtime. Each run is logged step by step and every tool call is permission-checked before it executes.
Demo dataIllustrative sample output, abridged.
{
"question": "Is damage from a burst pipe covered while the property was unoccupied?",
"policyReference": "HH-2024-Standard"
}{
"escalate": false,
"conditions": [
{
"section": "General Condition 6",
"quotedText": "Where the home is unoccupied during the period 1 November to 31 March, the water supply must be turned off at the mains and the system drained, unless heating is maintained at a minimum of 12°C.",
"sourceDocument": "Household Wording HH-2024-Standard v3"
}
],
"disclaimer": "This is the wording that bears on the question, not a coverage decision. Whether this claim responds is for an authorised handler to determine.",
"exclusions": [
{
"section": "Section 1, Exclusion 4b",
"relevance": "Directly engages the unoccupancy element of the question.",
"quotedText": "We will not cover loss or damage occurring while the home is unoccupied for more than 45 consecutive days.",
"sourceDocument": "Household Wording HH-2024-Standard v3"
}
],
"wordingFound": true,
"policyDocument": "Household Wording HH-2024-Standard v3",
"operativeClauses": [
{
"section": "Section 1, Peril 4 — Escape of water",
"quotedText": "We will cover loss or damage caused by water escaping from any fixed water or heating installation.",
"sourceDocument": "Household Wording HH-2024-Standard v3"
}
],
"forHandlerToDetermine": [
"The number of consecutive days the property was unoccupied.",
"Whether General Condition 6 was satisfied on the date of loss."
]
}No integrations required.
Find the clauses and conditions that bear on the circumstance, before the file is opened.
Answer a client's 'would this be covered?' with the wording rather than a recollection.
See how two policies treat the same peril, clause against clause.
Reconstruct exactly what the wording said when the decision was made.
$249/month
Billed monthly through your PROMIVO subscription. Cancel at any time.
Runs consume your plan allowance for agent executions and tokens. See plan limits.
No, and that is deliberate. It surfaces the operative clause, the exclusions, the conditions and any endorsement, then refers the determination to an authorised person. Coverage decisions carry regulatory consequences and are not the agent's to make.
It is built for handlers and brokers. Putting it in front of a policyholder would mean an automated system appearing to advise on a claim, which is regulated activity in most markets.
It looks for them explicitly and reports where one amends the clause it just quoted. Answering from a base wording that an endorsement has changed is the most common way these questions go wrong.
It reports the ambiguity and both readings, and refers it. Ambiguity in an insurance contract has legal consequences that the agent does not attempt to resolve.
No reviews yet. Reviews open once customers have run this agent.
Tell us what to change and our team will scope a customised version for your business.
Customize this agent