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Insurance Decisions in Commercial Agreements

Know What Insurance to Request or Provide.

Understand an agreement’s insurance requirements, check the evidence and prepare your next response. No insurance background needed.

Try an Example, No Sign Up Choose Your Task

Change one fact. See how the guidance changes.

Fictional Review

Explore an Insurance Decision

Example Situation

Your company manages a customer’s software and data. Their draft requires professional liability and cyber insurance.

Recommendation

Check both coverages, their limits and the requested conditions before agreeing.

Next Step

Compare the clause with your available insurance and any approved company standard. Flag mismatches for wording changes or broker confirmation.

Why this matters and what to confirm

Why It Matters

A software error can disrupt a customer’s operations; a data incident can expose personal information. Professional liability and cyber insurance may respond differently, depending on the policy terms.

Still to Confirm

Confirm the services, liabilities and policy terms. An agreed clause does not change a policy; check requested protection with your broker or insurer.

Fictional examples. These limits illustrate a comparison, not recommended amounts for every contract.

A Clear Place to Start

What Are You Working On?

An insurance clause sets the types, limits and conditions required in an agreement. Choose what you need to check.

Agreement reviewReview Insurance in an AgreementUnderstand what to request or provide, and prepare wording to discuss.Explore agreement review → Evidence checkCheck Insurance EvidenceSee what a document shows, what is missing and what to ask next.Explore evidence checks →
How the review works →

From the Work to the Decision

From the Work to Your Next Step

See the reason for each recommendation. Keep open questions and business decisions clear.

  1. Describe the Work

    Identify each party’s responsibilities and the losses their work could cause.

  2. Review the Requirement

    Check types, limits and conditions against the work and any approved company standard.

  3. Resolve the Questions

    See proposed wording, evidence gaps and a practical response to discuss.

  4. Record the Decision

    An authorized person decides whether to accept remaining risk. Agreed contract changes do not change the insurance policy.

InsureClause

Clear insurance decisions for commercial agreements.

ProductPricingLearning CentreTrust CenterSecurity & DataPrivacyTermsAboutSupport

Decision support for authorized commercial insurance reviews. Confirm legal, policy, coverage and approval questions with the appropriate qualified person.

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InsureClause

Insurance risk in commercial agreements

Continue your insurance review.

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Keep Your Place

Open guidance without leaving this work. Guides open in a new tab. Insurance terms open here, keeping your review in place.
ProductSee the complete review and decision journey. SolutionsFind guidance for your agreement, task or business moment. Learning CentreWatch a short guide or read the steps for the task in front of you. ResourcesUse the guides, examples and FAQs. Trust CenterUnderstand information handling and decision boundaries.
Try an exampleQuick answersSupport
Organization Your organization

Review workflow

Contract Insurance Review

Look up cover, wording or an abbreviation.

✓
Organization workspace

Use information you are authorized to process for your organization.

Review History

Saved Results

Look back at an earlier answer while keeping your current review in place.

Showing up to 251 recent saved results. Earlier results may not appear here.

Organization workspace

Your organization

Continue a review, handle a decision, or start something new.

Switch between organizations assigned to your account. Each workspace stays separate.
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What would you like to review?

Review Insurance in an Agreement

Understand the insurance requirements, how they fit the work, and what to do next.

Check Insurance Evidence

Understand a certificate, endorsement or broker letter, or compare it with what was requested.

Company Standards

InsureClause provides insurance decision support. Your organization makes the final decision.

0

Active reviews

0

Awaiting reply

0

Agreed or closed

0

Needs decision

Recent Reviews

Continue where you left off

Open a result or resume a saved draft.

Showing the most recent saved reviews. Older reviews remain saved but are not shown in this view. Search, filters and dashboard totals apply only to the recent reviews shown here.

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Review status

No review needs a decision

You are up to date.

Learn & support

Need a quick explanation?

Use plain language guidance while your review stays open.

Learning Centre ↗Guides and topics ↗Try an example ↗How recommendations work ↗

Organization standards

Company Standards

Keep your organization’s usual insurance requirements and negotiating limits in one place. Each saved position describes what your team can agree to, ask for, or refer for approval.

Saved organization positions
You can view saved positions, but cannot change them with this membership.

An organization administrator must create a draft, replacement version or approval.

What Company Standards covers

What Company Standards covers

Four practical questions for your team.

Begin with what you already know. You can add or review the remaining sections later.

01What coverage do we have?

Record the insurance information your team uses when answering contract questions.

02What can we agree to for customer contracts?

Set the insurance position your organization can offer when a customer asks you to carry coverage.

03What do we ask suppliers to carry?

Set the insurance you normally request from suppliers, vendors and other parties.

04When is approval needed?

Identify unusual requests and the person or team who should review them.

Choose how to begin

Use the information you have today.

Company Standards

Your organization’s saved positions

Open this section to check for saved company positions.

Create a draft or replacement versionThis editor keeps earlier history. The newest effective approved version of the same named Company Standards set is the version used in reviews.+

Detailed editor

Add a saved insurance position

Add the main position first. Review the insurance types, amounts and effective date before your team relies on it.

Company standards

Add the wording your team uses

One PDF, DOCX, TXT, PNG, JPEG or WebP file. Up to 3 MB; larger photos may be resized.

The original file is read for this request and is not saved.

Use only information you are authorized to include. Keep the relevant conditions and exceptions together. You can also drop a file or paste an image into this field when file reading is available.

Policy details describe the information supplied. Choose the contract position separately.

Examples: software or professional services. Leave blank when this applies to every contract type.
Examples: global, United States or California. Leave blank when this applies everywhere.
Add facts that make this position relevant, such as personal information or vehicles.
For example: $5,000,000. State whether this is the minimum you request, the amount you can offer or another usual position.
Set the date this position is intended to take effect. The saved version still remains a draft until an administrator approves it.

Organization records

Decision History

See decisions recorded from saved reviews. The original analysis is not changed.

For this organization only
0

Saved reviews

0

Decision records

0

Standards versions

Includes draft, approved and retired versions. Review their status in Company Standards.
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Recorded decisions

Open this section to load decision activity.

Account & Access

People & Seats

See who has access to this organization workspace and where to request a change.

Who manages access

Your organization access lead decides who may use the workspace. This page shows authorized users; contact your access lead or Support to request a change.

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Authorized Members

People & Seats

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Workspace Support

Get Help From Your Workspace

Ask a question and return here for replies. Help remains available after your trial ends.

For account access problems, use the public Support page.

Looking for an insurance review?

For agreement wording, use Review Insurance in an Agreement. For a certificate, endorsement, broker letter, or other policy evidence, use Check Insurance Evidence.

New Support Request

Describe the Issue

Requests are visible to you, organization administrators and authorized InsureClause support personnel.

Organization support requests

Your conversations

Open this section to load organization support requests.

Choose Your Review

What Do You Need to Understand?

Use the agreement path for the insurance position. Use the evidence path for what a document shows.

Choose one task now. See the answer, reason, next action and what still needs confirmation.

Review position

Technology services agreement where the other party carries insurance

Review required 6 clause topics identified
Cyber and privacy liability

Requirement appears responsive to the stated data exposure. Limit and scope require confirmation.

Primary and noncontributory wording

Confirm applicability to the relevant liability coverages and obligation to provide additional insured status.

✓
Commercially framed

Findings distinguish applicability, availability and escalation needs.

01

Read the Connected Agreement

Identify insurance requirements and keep related indemnity, liability, security, subcontracting and termination terms visible for review.

02

Check Commercial Fit

Consider who carries insurance, the services, exposure, industry, jurisdiction and the party expected to carry the risk.

03

Prepare the Response

Surface key concerns, recommended action, wording options and matters requiring approval or specialist review.

Step 1 of 3

What Is Happening?

Choose the closest situation, then add only the facts that could change the answer.

Agreement Context

Confirm the context for this wording

These are the drafting assumptions that accompanied the clause. Review the facts below and update any differences before the insurance analysis. Selecting an insurance type alone does not establish an exposure.

See Fictional Example Documents

What Are You Comparing It With?

Choose the source you actually have. The result keeps the source and the evidence separate.

01

Who Is Being Asked for Insurance?

Choose a side, or let InsureClause identify it from the wording for you to confirm.

Not sure yet. InsureClause will ask before analysis.

Change How the Parties Are Identified

InsureClause reads the wording by default. Choose the obligation yourself only when you already know the answer.

Who must carry the insurance?

02

What Work or Obligation Is Involved?

Use at least three characters.

Enter a review name with at least three characters.

Plain language is enough. State what each relevant party will do.0 / 1600

Describe the activity, obligation or agreement context in one short sentence.

Add Details That Could Change the Answer Optional

Add only what you know and what could change the insurance position.

Choose a stage only when it changes the answer.
Add a location only when it could change the answer. Agreements that cover multiple countries can stay global.

Add a location only when it matters to this review.

Describe what the organization will actually do. An industry label never selects insurance by itself.

Use one plain language note about a commercial fact that could change the insurance position.

The agreement description and this note can contain up to 1,600 characters in total.0 / 800, saved context 0 / 1,600

What Could Go Wrong?

For example, product recall, cargo or aviation.

Step 2 of 3

Provide the insurance wording, if you have it.

Add the available wording, or leave the field empty if no insurance clause has been provided. InsureClause will not invent a clause finding from engagement facts.

Text Input
Files Read for This Check

Saved Reviews

Only recent saved reviews are listed. Older reviews remain saved.

Agreement Wording

Paste the insurance wording you want to review. Include connected provisions when they affect the answer.

Start with a blank clause or build on this review’s saved wording.

Wording supplied: Insurance wording onlyChange
Choose Complete agreement only when the wording supplied is the complete agreement. InsureClause records this choice with the review.

Use the format you have. Paste the relevant text here, or choose Add a File above to select, drop, or paste a document or image.

Leave empty if no insurance wording was provided.0 / 50,000
Source Wording Is Not in English

Current saved reviews use English wording. Keep the original outside this saved flow and have a person prepare or check an English working interpretation before continuing. A working interpretation is not a certified translation. If any material meaning is unclear, stop and ask a qualified reviewer.

Claimed Insurance Position

Add the statement you were given about what insurance is held or available. InsureClause will compare the statement with the evidence without treating it as an agreement requirement.

Use the statement as provided. Up to 50,000 characters.0 / 50,000

Not saved: This claimed position clears when you refresh or sign out.

Insurance Evidence to Compare

Paste the certificate, endorsement, or broker letter you want to compare with the requirement.

Up to 50,000 characters. Text beyond the limit is not accepted.0 / 50,000

Not saved: This evidence clears when you refresh or sign out.

A certificate shows stated facts. It does not prove policy coverage.

Add a File

Add the relevant document, clause, or insurance evidence. We will check Word files for edits before adding their wording.

Choose whether the files contain the requirement or the evidence being checked.
Reading another language?
Digital text is checked for language signals automatically. For scans or images in another language, choose it here to help read the text. This does not translate the wording: the insurance review needs a reliable English translation, including conditions and exclusions.
Processed for This Check Only

Files are read for this request and are not saved as original documents. Large photos may be resized in your browser. Always check the extracted text against the file before analysis.

  • Use up to six PDF, DOCX, TXT, PNG, JPEG, or WebP files in one packet.
  • Clear, upright images work best. Reading original text does not verify its translation or insurance meaning. Files protected by a password and legacy DOC files are not accepted.
Available on supported phones and tablets.
Preparing File

Waiting to begin.

Details Found So Far
Who appears to carry insuranceWaiting for wordingInsureClause will ask you to confirm this before showing a recommendation.
Likely agreementAuto detectManual confirmation remains available.
Your organization
Not yet confirmed
Country
To confirm
Province, state or territory
Not specified
Review
Insurance obligations across supplied wording
Industry
Not specified
Before you continue

Review the details found in the wording. Ask legal, insurance or another specialist when the contract requires their advice.

Not yet saved

Review in progress

Preparing review.

Keeping your wording and engagement facts together before the review begins.

Review in progress

Guidance only. InsureClause does not certify coverage, compliance or legal sufficiency.

Your saved draft stays available. If processing finishes after you leave, reopen the review from Reviews.

Review Status

Review position

Contract wording, evidence limits and next action.

Agreement
Agreement type to confirm
Insurance responsibility
Who must carry the insurance needs confirmation.
Review required Saved review

Evidence Answer

Preparing the Evidence Answer

Separating what is shown from what still needs a next action.

Owner
Certainty
Working Answer
Source and comparison details+
  1. 01
    Submitted InformationWhat was provided for this check.
  2. 02
    What It ShowsThe facts displayed in the evidence.
  3. 03
    Match to RequestHow the evidence compares with the selected source.
  4. 04
    What RemainsAnything not shown, conflicting, or still uncertain.
  5. 05
    Next RequestThe narrowest useful next action.

Export Result

Downloads never change or send the agreement.

More formats

Word exports create a new working file without the original formatting of the agreement.

Help With This Result
How to Use This ResultWatch the short wording and redline guide.See a Longer ExampleWalk through a fictional decision.Decision BoundariesSee what still needs a person.

Saved result shown for continuity. This result no longer matches the current saved review facts. Return to the wording, confirm the current information, and analyze again before relying on it or recording a decision.

Your Agreement Answer

Complete the review to see what should happen next.

The review position will appear here.

Still to confirm:

Owner
Certainty
Working Answer
How This Answer Was Reached
  1. 01
    EngagementThe work and obligations in this agreement.
  2. 02
    Insurance RequestWhat the wording asks a party to carry or do.
  3. 03
    Practical FitHow the request fits the stated work and current insurance.
  4. 04
    ResponseThe clearest wording or business move.
  5. 05
    DecisionThe answer and any remaining confirmation.

Review context will appear here.

Do This Next

Wording reviewed: Text details were not recorded. Review this wording again.

Add the facts that could change this answer

Confirm a few relevant details and save an updated result. Your earlier result stays in the review history.

Continue this decisionCompare, Confirm, or Create WordingOpen only the next insurance step you need.+

Running another tool replaces the current comparison.

Compare the Requirement With Insurance Evidence

See what the agreement requires, what this document shows, what cannot be verified and what to do next.

Unsaved comparisons are temporary. Evidence remains in this open session unless you explicitly save an evidence version. Open Saved Evidence to check saving availability, choose retention or return to earlier versions.

Up to 50,000 characters.0 / 50,000
Saved Evidence and Version History

Keep a comparison with this agreement review, then return with updated evidence. Original files are not saved. Use only information authorized for this workspace; confidential input remains unavailable.

Open saved evidence to see earlier comparisons or save a new version.

Compare the Request With Current Insurance

Use one plain language summary, for example: Commercial General Liability (CGL) $1,000,000; Cyber $2,000,000. InsureClause will not infer policy coverage beyond what you state.

Create Starting Wording

When the contract does not contain insurance wording, create a working starting position from the facts already confirmed.

Working on this step

Preparing the requested tool

  1. 1Source ready
  2. 2Compare information
  3. 3Prepare result

Why

What Needs Attention

Start with the important items. Open one only when you need its source or technical detail.

Expert ViewSee Every Insurance RequirementOpen a compact comparison of the findings already shown in this result.+
Insurance requirements with separate contract, evidence, uncertainty and organization decision states
Insurance requirementContract asksEvidence showsGap or uncertaintyDecision recorded
See how the agreement context connects to the insurance position

Supporting reasoning

From Agreement Context to the Insurance Position

See how the stated activity, obligations and exposures connect to each material insurance topic.

Review Details

Review Details

Agreement Details

Who is setting the requirement
Not yet set
Your organization
Not yet set
Insurance responsibility
Not yet set
Agreement
Not yet set
Country, Region, or Global Scope
Not specified
Province, state or territory
Not specified
Scope
Not yet set

Supplied wording receipt

Related Contract Context

Topics are identified only in the wording supplied. Unlisted terms may appear elsewhere in the agreement. This is not a legal review.

Insurance wording
Not checked
Indemnity
Not checked
Liability cap
Not checked
Confidentiality, privacy or security
Not checked
Subcontracting
Not checked
Termination
Not checked
Risk of loss
Not checked

Organization position applied

Company Standards summary
Human confirmation remains required

Confirm the activity or obligations, the insurance available and any local requirements before relying on this review.

Recommended Changes

What to Change and Why

There is no clause to redline.

Add the proposed wording when it becomes available.

Proposed Wording

Recommended Wording

Before your decisions
Current Draft

Your Decisions

Review the Proposed Redline

Choose what to do with each proposed change.

No decisions selected
Review Basis and Limits
Review basisIndependent insurance review

Company Standards status will appear after analysis.

0

Replace

0

Delete

0

Insert

0

Comment

Organization Guidance

Insurance scope only

This view does not review other legal issues or certify coverage or compliance.

Save and compare wording

Keep the starting position

Review the next draft

Use your proposed wording or a revision from the other party. Saving keeps this draft with the starting result and shows what changed. It does not record agreement or approval.

This is your discussion draft, compared with the original wording. Saving it does not record an agreement or an insurance decision.

Your saved recommendation is selected automatically.
Optional Record Details
The automatic review will identify and classify the insurance issues it can support from the wording.

Account

Account overview

Review your account identity and organization access.

Email Not yet set
Organization Not yet set

Plans and subscription

Password and account access

Request a reset link at your account email. Your password changes only after you follow the link and confirm a new password.

Account access help. Never share passwords or reset links. If you lose access to your inbox, Support must verify your identity and organization authority.

Account information

Your access is tied to your individual account and assigned organization. Contact support if your account information needs to change.

Review confirmation

Confirm the review facts.

Review the supplied facts, then choose Confirm and Analyze.

    Supplied review facts
    Text provided
    Insurance wording only
    Supplied characters
    0
    Who must carry insurance
    Not yet confirmed
    Agreement
    Not yet confirmed
    Country, Region, or Global Scope, if supplied
    Not supplied
    Province, state or territory
    Not supplied
    Agreement Stage
    Not Yet Confirmed
    Exposure Indicators
    None supplied
    Choose the party that the agreement requires to maintain the insurance.
    Add only a fact that could materially change the insurance position.

    Your review journey

    Review an agreement in three steps.

    1. 01
      About the Agreement

      Add only the business facts that change the answer.

    2. 02
      Add the Wording

      Paste the relevant terms or add a document.

    3. 03
      Your Agreement Answer

      See what works, what to change, and what to do next.

    InsureClause provides insurance decision support. Your organization makes the final decision.

    Review methodology

    How reviews work

    1. Detect context

      Identify who must carry insurance and the agreement context. Use location only when it could materially change the answer.

    2. Extract insurance topics

      Recognize coverages, limits, insurance mechanics, evidence requests, territorial issues, arrangements where an organization funds its own risk and other clause patterns.

    3. Apply review logic

      Use structured insurance logic and the available review context to assess fit, identify gaps and determine the appropriate next step.

    4. Present the position

      Lead with a decision summary, show recommended changes, and keep full reasoning available on demand.

    Important note

    InsureClause provides guidance only. It does not certify coverage, legal compliance or conclusions about applicable law. Ask a specialist when needed.

    Insurance terms

    General explanation

    Understand the wording

    Search the InsureClause insurance knowledge library. Common abbreviations are welcome. It never searches another organization’s reviews.

    How it is used

    What to check

    Check the actual policy and agreement. An explanation does not confirm that coverage is in place.

    Action needed

    We could not complete that step. Your saved work remains unchanged.

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    Your saved reviews remain available to view and export.

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