Coverage intelligence for policyholders and their counsel.

You spend the first six hours of every matter reconstructing the policy. The next four writing the opinion — cast, chronology, provision-by-provision — from a blank page. WorkProduct handles both: the compiled policy in minutes, and the coverage analysis drafted with the same specialist protocols you use when you're checking your associate's work.

We onboard a small group each quarter — your policies, your matters, no pitch.

The shift

The coverage bar still works like it's 1995.

Today · manual

20+ hrs
per coverage opinion
  • Toggle between base PDF and 7–14 endorsement riders
  • Build a homemade redline in Word, by hand
  • Trace every clause back to its source endorsement
  • Draft cast, chronology, and opinion from a blank page

With WorkProduct

15 min
to a reviewable draft
  • Compiled policy in minutes — every endorsement applied in issuance order, conflicts flagged and resolved
  • Redlined PDF with every change traced to its source endorsement and a citation log you can verify
  • CAS Chronology drafted automatically from the claim file
  • Provision-by-provision coverage opinion in structured, editable format
Module 01

Policy Compiler

Now in beta

Upload the base policy and every endorsement. Get back a single redlined PDF with each change in context, the AI's reasoning pinned to it, and a citation hash you can verify.

With WorkProduct

1 redlined PDF. 4m 12s.

Compiled · 102 bookmarks
Sample Policy 0019
42 / 91

ARTICLE IV — LIMITS OF LIABILITY

§4.2 Aggregate Limit

The Aggregate Limit shall be USD 25,000,000 USD 50,000,000 per Policy Year, which amount shall be the maximum amount payable by the Insurer for all Damages on account of all Occurrences taking place during the Policy Period, regardless of the number of Insureds or claims made.

The Aggregate Limit shall be reduced by Loss Adjustment Expenses incurred in connection with covered claims, subject to the Notice Provisions in §7.1 and the reservation set forth in E-008 §3(b).

ARTICLE III — DEFINITIONS

§3.4 Cyber Incident New definition

"Cyber Incident" means any unauthorized access to, disruption of, or compromise of an Insured's computer systems, networks, or data, including but not limited to ransomware, denial-of-service, data exfiltration, and any event triggering a notification obligation under applicable privacy law.

Compiled from base policy + 48 endorsements · 2026-05-14 · Citation hash: 9F3A·B221·EE07
Audit Trail
1
E-T1-001 §2(a)2026-04-19
Aggregate doubled at renewal
Replaces base §4.2 first sentence verbatim. No conflict with E-008 or E-009.
AI confidence: high
2
E-T2-002 §3(b)2026-05-02
Notice condition added
Introduces a 60-day notice prerequisite to LAE erosion. Verify the 03/14 incident satisfies the window.
mediumverify
3
E-T3-003 §12026-05-09
New definition: Cyber Incident
Inserts §3.4. No prior definition existed in base policy.
highadded
01

Endorsement-aware merging

Limits, exclusions, and definitions resolve in the order endorsements were issued. Conflicts are flagged, not silently overwritten.

02

AI reasoning, pinned

For every change, read the model's plain-English rationale and confidence before you accept it. Nothing is hidden.

03

Audit-ready output

Bookmarked, citation-stable redlined PDF. Every modification traces back to the source endorsement and clause.

Module 02

Coverage Analysis

Point Coverage Analysis at a compiled policy and a claim file. It produces three structured outputs: CAS Chronology, cast of characters, and a provision-by-provision Coverage Opinion — every conclusion pinned to the clause and the claim page it relies on.

Coverage Analysis · TRD-2261 · Truesdale Logistics v. Carrier
Cast of characters Chronology Coverage analysis Determination letter draft
Cast of characters6 parties identified
  • TL
    Truesdale Logistics, Inc.Named insured · Plaintiff
    Insured
  • MR
    Meridian Re, BermudaExcess carrier · Defendant
    Carrier
  • JN
    James NakamuraVP Risk, Truesdale
    Witness
  • RC
    R. Chen, Esq.Coverage counsel for insured
    Counsel
Chronology14 events · 03/14/24 → 09/02/25
03·14·24
Loss event. Warehouse fire, Tacoma WA. $42M est. damage.
03·19·24
First notice. Insured emails broker; broker forwards to carrier 03/22.
04·02·24
Reservation of rights letter. Carrier cites §7.1 notice condition.
07·11·24
Sworn proof of loss. Submitted within 90 days of demand.
Sample coverage analysis11 provisions · 9 ready · 2 flagged
§4.2 — Aggregate Limit
"…shall be USD 50,000,000 per policy year, reduced by Loss Adjustment Expenses…"
Covered, with reservation
Aggregate erodes by LAE per §4.2 as amended by E-007. §7.1 notice may be unsatisfied for 03/14 incident.
§4.2 (E-007 §2a) · §7.1 (Base) · Claim file pp. 14–17
01

Three structured outputs

Cast of characters, claim chronology, and provision-by-provision opinion — the same artifacts your team builds by hand, drafted in minutes.

02

Citations you can verify

Every verdict pins to the clause and the claim page that supports it. No phantom quotes. No hallucinated cites. Audit the chain in seconds.

03

You stay the author

Every clause and conclusion is editable. Ambiguity is flagged, not papered over. The judgment — and the signature — stays with the attorney.

The wedge

Generic legal AI doesn't know what it doesn't know.

Horizontal legal AI
No endorsement precedence model. Can't resolve nested modifications across 50 riders in issuance order.
No Bermuda Form depth. Private arbitration under New York law, no public precedent. Horizontal tools can't lean on Westlaw here because there's nothing to find.
No specialist protocols encoded. Pollution K's own pollutant definition, Breach Prerequisites, Integrated Occurrence aggregation — these are the things a junior attorney misses under deadline pressure.
Black-box reasoning. No citation graph, no per-step audit trail, no way to verify the chain of logic that produced a conclusion.
vs
WorkProduct coverage intelligence
Endorsement-aware compiled policy. Conflicts resolved in order of issuance. Every clause traceable to its source endorsement and clause number.
Bermuda Form architecture. Six-article structure, Coverage A/B treatment, Integrated Occurrence logic — encoded by practitioners with a decade of Bermuda arbitration practice.
13-agent sequential pipeline. Specialist protocols run as non-negotiable steps — Notice, Identity, Expected/Intended dual jurisdiction, all 19 Exclusion sub-agents. The things you check on the third read, checked on the first.
Full citation graph. Every conclusion pins to a clause, an endorsement, and a page. Reviewable reasoning chain, not a black-box answer.
Built for everyone in the room

Different roles. Same problem solved differently.

The Partner
Confidence that the junior work product walking onto your desk has already passed your protocols.

The system flags Pollution K's own definitions, Breach Prerequisites, dual jurisdiction issues — the things you check for on the third read — on the first read. You review conclusions, not process.

3h
avg saved per coverage matter on policy review alone
The Associate
No more manual Ctrl+F across thirty endorsements at 11 PM.

The Policy Compiler handles reconstruction. The Analysis pipeline runs the specialist checks. You spend your time on actual coverage analysis and client communication — not policy archaeology.

6–10h
of manual policy reconstruction per matter eliminated
The Firm
7,500 reclaimed hours annually for a 50-lawyer coverage practice.

If every coverage attorney saves 3 hours per matter on 50 matters a year, that's multiple millions of dollars in either billable capacity or margin — depending on how the firm bills. Same realization rate, more matters per partner, faster turnaround.

$M+
in billable capacity or margin recovered per year at scale
Built for regulated work

Locked down by default. Audited, not advertised.

Never used for training.

Policies, claims, and outputs stay in your isolated tenant. We never use customer documents to train models — not for fine-tuning, not for evals, not ever.

Citations you can verify.

Every conclusion links back to the exact clause and page. No phantom quotes. No hallucinated cites. The model can't make a claim it can't ground in your document.

Built by coverage attorneys.

The product was designed alongside practicing coverage counsel — not retrofitted from a generic AI chat tool. Lawyer-level first-pass review, with the attorney still in the loop.

Beta · 20 firms onboarding through Q3

Apply for beta access.

We're onboarding a small group of firms this quarter. Each beta firm gets a dedicated setup session using their own policies — not a canned demo.

  • Send us a policy before your onboarding call — we'll run it through the full pipeline
  • Review your actual compiled output and coverage analysis draft, not a scripted walkthrough
  • No NDA, no commitment, no contract required to participate
Bermuda Form policies are processed on UK-provisioned infrastructure only. All policy data and outputs are encrypted in transit and at rest. No data ever touches US servers — compute, storage, and model inference are all UK-resident for Bermuda matters.
Select policy forms
Applications reviewed weekly · Private tenant provisioned before your session