Renewals arrive looking identical to last year. They often aren’t — and right now, insurers are quietly adding rules that remove AI-related coverage. Send us both documents; a real person finds every change and explains it in plain English within 48 hours.
Rather not send your documents to anyone? Compare them yourself with our free tool — it runs entirely in your browser and nothing is uploaded.
Then check your own renewal: use the free in-browser tool or read the plain-English guide.
Big insurers have started adding new rules to business policies that say problems involving AI aren’t covered. Standard exclusion forms took effect January 2026 — the changes are arriving in renewal packets now. Read the plain-English guide to the new AI exclusions →
A website chatbot, an email-writing tool, software that screens applications or sets prices — most businesses use AI without thinking of it that way. If one of those causes a problem and your policy has a new rule, the insurance may not help.
Renewals are sent as if nothing changed. The new rule sits pages deep, in legal language. The only way to catch it is comparing this year’s document to last year’s, line by line — which almost nobody does. That’s the part we do for you.
Last year’s policy and this year’s renewal, as PDFs. The form below takes about 2 minutes.
Technology helps with the reading — but a real person checks every finding against your actual documents before anything is sent. Nothing unchecked reaches you.
Within 48 hours: everything added, removed, or reworded — with the exact page it’s on and what the words mean, in normal language.
Here’s what one finding looks like. Your report lists every one we find, or tells you plainly that nothing changed.
No equivalent wording appears anywhere in last year’s policy.
“This policy does not apply to any claim arising out of, or in any way involving, the use of artificial intelligence…”
Illustrative sample — wording drawn from how these clauses are typically structured, not from any real customer’s policy.
Not sure about sending insurance documents to a website you just found? Fair. That’s why there are two doors — and one of them means we never see your documents at all.
Our free comparison tool runs entirely in your browser. Your documents are never uploaded — you can even switch off your Wi‑Fi after the page loads and it still works. It finds every added and removed passage and flags the clauses worth reading twice.
The tool shows you what changed; a person can tell you what the words mean. Send both documents below and a real person reads them side by side and replies in plain English within 48 hours. Documents deleted within 14 days.
Our team’s background is in the insurance industry — which is exactly how we know that renewals change quietly, that almost nobody compares the documents, and that the fine print is written to be skimmed. We built the service we watched policyholders need.
We are not an agency or a broker, we don’t sell policies, and no insurance company pays us. That independence is the point: our only job is telling you what your documents say — we have no reason to shade it.
A service like this lives or dies on trust, and trust is earned by being right — not by charging early. We also publish overall statistics on what’s changing in business renewals (never anyone’s documents or names). If we ever sell anything, this page will say so plainly.
No catch, and here’s the honest reason. We’re new, and a service like this lives or dies on trust — a wrong report would finish us; a free one only costs us time. We also publish overall statistics about what’s changing in business renewals (never anyone’s documents, name, or company — just counts, like how many renewals we’ve seen add an AI rule). If we ever sell anything, it will say so plainly on this page. Your documents are never the product and your email address is never sold.
They’re sent over an encrypted connection, used only to produce your report, seen only by the people producing it, never used for anything else — including training AI — and deleted from our systems within 14 days of delivery. If you cancel before delivery, they’re deleted immediately.
You can, and for a first look you should. Two differences: a chatbot reading a 60-page policy will sometimes report changes that aren’t there and miss ones that are — and nothing it says is checked. Every finding in our report is confirmed by a person against your actual pages before it’s sent, and the date it was checked is printed on the report. The checking is the service.
Then your report says so, and lists the sections we checked. That’s the good outcome — and it’s worth having in writing before you sign.
No, and we won’t pretend otherwise. Whether a change matters for your business depends on facts we don’t know and judgments a licensed professional should make. We tell you what the documents say. Your broker or attorney tells you what to do about it — and our report makes that a better conversation.
An independent document-review project built by people with a background in the insurance industry. We are not an insurance agency, not a broker, and nobody here is a licensed insurance producer or consultant — which is exactly why the report is a factual comparison and not advice.
Where our facts come from. The insurance-industry changes described above were first reported by the Financial Times in November 2025 and summarised by Insurance Business and the-decoder. New AI-specific coverage: Armilla and Chaucer, Munich Re HSB, and an overview from the law firm Hunton. Where something rests on a single report rather than an official filing, we say so.