WIREFRAME · non-functional design mockup · Insurance Brokerage — Placement / E&O Integrity · static illustrative data (ACCT-2026-0847)
Synthetic Agency · Commercial P&C placement

Northgate Cold Storage · ACCT-2026-0847

Property + General Liability renewal · placement reviewed by DiligenceWorks before bind
48integ.
Placement-integrity score. $6.5M of cover voidable, $3.5M under-insured.
$8.0M
Total insured value as placed
Six adversarial placement checks
Disclosure Reject
Undisclosed 2023 fire loss at the premises — omitted from the signed application
$6.5M cover voidable
Coverage Reject
Building TIV $8.0M vs $11.5M replacement appraisal — under-insured; coinsurance applies
−$3.5M under-insured
Submission Flag
SOV sprinkler/protection class keyed Class 1 vs inspection Class 4 — mis-rated
Re-rate / deny risk
Carrier Flag
Quote 2: non-admitted, unrated insurer (no AM Best); surplus-lines security
$1.0M layer at risk
Continuity Flag
Claims-made GL retro date 2019 not carried forward (reset to 2026) — prior-acts gap
Prior-acts gap
Conduct Pass
Producer licensed for the line & state; sanctions/AML on the insured clear
Clear
Cards reveal in sequence during the demo. Green = pass · Amber = flag (cure before bind) · Red = reject (do not bind). Disclosure & Coverage are grounded, cited checks — the broker keeps the placement decision. Every figure is traceable (see the exposure-bridge drawer).
Exception report
CheckVerdictFindingClaimedSupportedDeltaSource
DisclosureReject2023 fire loss omitted from the signed application — material non-disclosurefull covervoidable$6.5M*prior loss run · fire record
CoverageRejectBuilding TIV $8.0M vs $11.5M replacement appraisal — under-insured; coinsurance penalty applies$8.0M$11.5M$3.5Mappraisal · SOV
SubmissionFlagSprinkler/protection class keyed Class 1 vs inspection Class 4 — mis-rated premiumas-ratedClass 4reprice/denyinspection report
CarrierFlagQuote 2 — non-admitted & unrated (no AM Best); surplus-lines notice not on filesecureunrated—AM Best · DOI list
ContinuityFlagClaims-made GL retro date 2019 reset to 2026 on the replacement quote — prior-acts gapcontinuousgap—expiring dec page
Total uninsured / voidable exposure at issue$10.0M*$6.5M voidable + $3.5M under-insured
Recommended position — exposure on this placement
$0.5M
Defensible
$1.0M
Cure before bind
$6.5M
Uninsured / voidable
Placement decision  DO NOT BIND as submitted · cure 5 items, then bind: re-present the 2023 loss to the market · raise the building limit to $11.5M · correct the protection class · carry the GL retro date forward · replace the unrated carrier.
Export E&O / placement memo (PDF) Push to AMS (stub) Accept / override flags
Exposure bridge (on click): the $8.0M placed → on a covered loss the carrier may rescind the property section for the undisclosed 2023 fire loss (duty of fair presentation) → effectively $6.5M voidable; and even if upheld, the $8.0M limit is $3.5M short of the $11.5M replacement appraisal, so a coinsurance penalty applies on any partial loss. Cure both before binding — re-present the loss to the market and raise the limit to $11.5M.

Book exposure flagged — this agency

$42M
uninsured / voidable exposure surfaced across 120 placements this quarter — the book-level E&O early-warning the AMS doesn't give you
Bars = $ exposure flagged per month · amber = above-threshold months.
Mockup only — illustrative figures, no live engine. Final figures come from the six-check placement engine per DESIGN-insurance-brokerage-placement-eo-verification.md.