Quote, binder, renewal. Did the coverage hold up?
Upload any two related documents. RiskRemedy flags the differences that matter: sublimit shifts, form edition swaps, exclusion adds, language tightening. Commentary you can act on, before the client signs.
What the carrier ultimately issues isn't always what was bound. Forms edition gets swapped from CG-2010 (04/13) to CG-2010 (12/19), narrowing the Additional Insured coverage you thought you bound. A pollution sublimit quietly drops from $5M to $1M, an earth movement exclusion shows up on a property policy nobody mentioned, and the client is exposed before anyone notices.
Every change between the documents comes with what it means for the insured. A claims-made tail shortened by 12 months isn't a 'date change,' it's an uncovered claims window. A defense-within-limits clause added at issuance isn't a 'language tweak,' it's defense costs eating your indemnity. You get a coverage report, not just a comparison sheet.
- Binder vs. issued policy: form edition swaps, sublimit shifts, and exclusion adds that turn the binder into a policy the insured didn't actually buy
- Quote vs. issued policy: conditions added at issuance that the insured wasn't priced for
- Prior policy vs. renewal: year-over-year coverage drift surfaced at renewal, not three claims later
- Manuscript vs. standard ISO: where the carrier's wording narrows what the insured thought they had