Live, auditable oversight

Check every policy against the authority that actually applied — on the day it was bound. PolicyCheck keeps a live picture of each binder and its endorsements, giving you continuous, audit-ready oversight across every binder you run.

How it works

The same binder gives different answers on different days.

A binder isn't one document — it's a pack that changes over time. Drag the playhead to any date and PolicyCheck resolves which version was in force, which endorsements and MTAs applied, and checks the policy against that state. Not the raw PDF. Every answer traces to the clause.

B4589WF2626 · California Wildfire Property · Synd 4589
Checking as at
01 Jan 2026
Binder v1original
Binder v2renewal
Binder v3reissue
END-01 Terrorism exclusionACTIVE
END-02 Brush clearance warrantyDROPPED @ v2
MTA-01 Limit → USD 7.5mOVERLAY
END-04 Wildfire sub-limitACTIVE
END-05 Run-off (post-expiry)NOT LIVE
Jan 2026May 2026Sep 2026Dec 2026 · run-off
In force on this date
Authoritative versionBinder v1
Per-risk limitUSD 5,000,000
TerritoryUS · California
Active endorsementsEND-01 · END-02
MTA overlaynone
Authority check · policy P-10428
Outside authority
Risk value USD 6.2m exceeds the per-risk limit in force on this date (USD 5.0m). No limit-increasing MTA has yet taken effect.
BAA §4.2 · Schedule A — per-risk limit USD 5,000,000, California only.
Features & Benefits

Features & Benefits

  • See inside every binder

    PolicyCheck reads the whole binder pack and turns it into a living, structured view — recognising standard market wordings and highlighting where a binder deviates, so nothing hides in the paperwork.

  • Work with your binders, not around them

    Explore any binder in plain language, mark up where authority starts and stops, work across multilingual packs, and ask questions scoped to the version, section or date you care about.

  • Catch breaches automatically

    Every policy is checked against the authority it was written under the moment it arrives — not weeks later. Limits and exposure are reconciled against the bordereaux, so drift surfaces early.

  • Keep your whole book in view

    High-risk policies are surfaced to an exceptions dashboard, and written premium is tracked live against each binder's authority — so you can act before limits are breached, not after.

Use Cases & Examples

Use Cases & Examples

  •     Always know where an endorsement stands

    PolicyCheck tracks whether each endorsement is active, dropped, incorporated, expired or superseded — and keeps that separate from your workflow status, so the coverage picture is always accurate.

  •     Fix problems before bind, not after a loss

    Authority checks run automatically as policies come in, so issues are caught while you can still do something about them — long before a claim exposes them.

  •     Know exactly what applied on any date

    Ask what cover and authority were in force on a given day and get a clear, evidenced answer — the foundation for continuous, audit-ready oversight across your portfolio.

Frequently Asked Questions (FAQs)
  • Does PolicyCheck replace binder management or policy admin systems?
  • Who stays accountable for underwriting and authority decisions?
  • How does this relate to brokers and advisers?
  • What happens when a breach is found?
  • Can it handle lots of binders and coverholders?
  • Does it fit with our existing bordereaux process?
  • How much work is it to get started?
  • How is our data kept secure?
  • How does it handle mid-term changes and endorsements?
  • Can it tell me what applied on a specific date?
  • What about non-standard or bespoke wordings?
  • Can it work with binders in other languages?
  • Can we get the evidence out for auditors and regulators?
  • Who in the team actually uses PolicyCheck?

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