The change is almost never in the price. The price is the part everybody checks, because it is the part that is easy to check. What moves quietly is a definition, an exclusion, a notice period, a cap, and a policy can arrive at the same premium and cover less than it did last year without the summary page saying so. Paste this brief into whichever assistant you already use, give it this year and last year, and it finds what moved and writes the questions to ask before you sign.
The premium was up two percent, which felt fair, so it got signed on a Friday afternoon. The claim came in March. Water damage had been redefined over the winter to exclude anything originating below ground level, which was where the stockroom was, and had been for eleven years. Nothing on the front page had changed at all.
“The terms and conditions have been updated.”
Water damage now excludes anything originating below ground level, which is where the stockroom is.
Reading two long documents side by side to find one changed word is exactly the work people are worst at and assistants are good at. What was missing was the discipline around it: comparing section by section rather than page by page, checking the definitions rather than the clauses, and refusing to say what anything means legally. That is a method, not a feature, and it fits on one page.
It is an ordinary chat. You paste the brief, answer a few questions about what you are renewing, then attach both documents. If your assistant cannot take a file, it tells you which four sections to paste instead. Nothing gets installed.
What it does not do. It finds differences and writes questions. It does not tell you what a clause means legally and it does not tell you whether to sign, because that is your broker's job or your lawyer's. It also only sees what you give it, so a section you leave out is a section it will say it never read.
Asked what it is meant to protect against, the answer is the building and the stock. Asked what changed this year, the stockroom moved downstairs in August. Only then does it open the files, and it works through the definitions before the clauses, because that is where a single word reaches everything. The finding it hands back quotes both years and ends in a question for the broker, not an opinion about whether to sign.
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