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Hartline — loss run review Qumis Private Compute Artifacts (6)

Break down these loss runs for the renewal meeting — frequency vs. severity by policy year, the causes driving incurred, and anything the client should hear before we go to market.

Hartline_LossRuns_2021-2026.xlsx5 policy years · 64 claims

Qumis · Claims specialist

6/6 tasks completed2m 41s

Read the loss runs — 5 carriers, 5 policy years0:18
Normalized 64 claims to one schema0:24
Computed frequency, severity, and development0:31
Built the interactive claims dashboard0:52

The dashboard is saved to outputs/hartline_claims_dashboard.html — overview cards, the policy-year trend, a filterable claims register, and a deductible simulator.

1. Executive summary

Across five policy years Hartline has incurred $2,010,750 on 64 claimsSummary · r.4, and 2025–26 alone accounts for 41% of it.

Paid & ALAE: $1,184,300 (58.9% of incurred)Paid · r.66
Open reserves: $826,450 — two products claims hold 61%Open · r.3–4
Average severity: $31,418, up from $23,556 in 2021–22

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Claims dashboard — HTML HTML 6 files · 88.2 KB

Hartline Manufacturing

Claims analysis & risk insights · policy years 2021–2026

Valued Aug 31, 2026

Overview Claims Explorer Deductible Simulator Risk Insights

Total incurred$2.01M+71% vs. prior year

Claims6419 in 2025–26

Avg. severity$31.4K+33% since 2021

Open reserves$826K41% of incurred

Policy-year trend — frequency vs. severityIncurred lossClaim count

Incurred loss by cause

Products liability$612K Material handling$344K Premises slip & fall$286K Fleet auto$248K Strain / lifting$192K Lacerations$138K Water damage$112K Equipment breakdown$78K

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The coverage position built the way counsel would, in hours — and the loss run read for the pattern.

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Proposals, RFP responses, and interactive microsites in your brand, carrying the analysis that built them.

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The whole tower read as one program — concurrency, attachment points, and the wording between markets, layer by layer.

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The year’s advisory work assembled into branded reports and living microsites — the record that answers what the broker actually did.

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ReportsPolicy comparisonsHartline — CGL renewal vs. expiring

Qumis Private Compute Share Export

ReportCoverage TableStudioDocuments 3

Commercial General Liability — renewal review

Hartline Manufacturing · Keystone Mutual · KM-GL-4471902

142 terms checked

Key findings4 material changes · all cited

1Premium up 18.4% — $186,420 → $220,700 on flat salesQuote · p.2
2Products-completed ops aggregate halved — $4M → $2MQuote Dec · p.3
3New CG 21 53 exclusion — designated ongoing operationsCG 21 53 · p.14
4GL deductible doubled — $25,000 → $50,000 per occurrenceCG 03 00 · p.11

Quote vs. expiringKeystone Mutual · both terms

Coverage / term	Expiring2025–26	Renewal quote2026–27	Change
Each occurrence	$1,000,000	$1,000,000	UnchangedQuote · p.3
General aggregate	$2,000,000	$2,000,000	UnchangedQuote · p.3
Products-completed agg.	$4,000,000	$2,000,000	ReducedQuote · p.3
Personal & adv. injury	$1,000,000	$1,000,000	UnchangedQuote · p.3
Damage to rented premises	$300,000	$300,000	UnchangedQuote · p.3
Deductible, BI/PD per occ.	$25,000	$50,000	IncreasedCG 03 00 · p.11
Designated ongoing ops	—	Excluded	AddedCG 21 53 · p.14
Annual premium	$186,420	$220,700	+18.4%Quote · p.2

Renewal quote · CG 21 53 · p.14

POLICY NUMBER: KM-GL-4471902CG 21 53 01 96

COMMERCIAL GENERAL LIABILITY

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION — DESIGNATED ONGOING OPERATIONS

This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Description of Designated Ongoing Operation(s): Installation, commissioning and on-site modification of food-processing equipment at customer facilities.

Specified Location (If Applicable): All locations

The following exclusion is added to paragraph 2., Exclusions of Section I – Coverage A – Bodily Injury And Property Damage Liability:

This insurance does not apply to “bodily injury” or “property damage” arising out of the ongoing operations described in the Schedule of this endorsement, regardless of whether such operations are conducted by you or on your behalf or whether the operations are conducted for yourself or for others.

CG 21 53 01 96Keystone Mutual · p.14 of 38

Why it matters

Hartline’s crews commission lines at Brightwater Foods plants — the exact operation scheduledMSA §9.2.

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Coverage position

Reliance: Reviewed

Exploratory
Draft
Reviewed

Claim HM-25-0412 DOL Nov 18, 2025 CGL KM-GL-4471902 Keystone Mutual · 4/1/25–4/1/26 CG 00 01 04 13 occurrence

FactsBrightwater demand · p.2Incident report · p.1

Brightwater alleges a Hartline-supplied conveyor gearbox leaked lubricant into a production run: 41,000 units destroyed, a 9-day line shutdown, $1.84M claimed.

Issues5 analyzed · CG 00 01 04 13All verdicts

Insuring agreement — property damage & occurrence

Likely covered

“…damages because of ‘property damage’ … caused by an ‘occurrence’”

CG 00 01 §I.1.a–b · p.1§V.13 · p.15Contaminated units are PD; the leak is an accident.

Exclusion k — damage to your product

Excludes the gearbox itself

“‘Property damage’ to ‘your product’ arising out of it or any part of it.”

§I.2.k · p.5§V.21 · p.16Bars the $64K gearbox, not Brightwater's product or plant.

Exclusion m — impaired property

Contested

“…loss of use of other property arising out of sudden and accidental physical injury…”

§I.2.m · p.5§V.8 · p.14Idle line is impaired property; the exception may restore it.

Loss of use — 9-day shutdown as property damage

Covered in part

“Loss of use of tangible property that is not physically injured.”

§V.17.b · p.15Line downtime is loss of use; lost profit beyond it is pure economic loss.

Notice — “as soon as practicable”

Refer to coverage counsel

“You must see to it that we are notified as soon as practicable of an ‘occurrence’…”

§IV.2.a · p.11Reported 47 days after the loss; the prejudice rule turns on state law.

Timing

Date of loss	Nov 18, 2025	D0
Notice to Hartline	Nov 20, 2025	+2
Notice to carrier	Jan 4, 2026	+47
ROR sent	Feb 12, 2026	+86
Response due	Mar 15, 2026	+117

Claimed damagesDemand · p.4

Destroyed unitsCovered$712K Line shutdownIn part$946K Cleanup & disposalCovered$118K Gearbox itselfExcluded$64K

Total claimed$1,840,000

Deliverables

Reservation of rights responseDraft · DOCX · 6 pp

Coverage chartPDF · 2 pp · 5 issues cited

StudioHartline — 2026–27 renewal proposal

Saved AMJR Share Export

Heading 2 Insert citation Your firm 100%

YOUR FIRMPage 4 of 12

Renewal proposal · 2026–27 program

Prepared for Hartline Manufacturing

Alex Morgan, Account executive · Effective July 1, 2026

Coverage summary

The program renews with four carriers at $679,900, up 6.8% on the expiring $636,600Expiring · p.2. Keystone Mutual keeps GL on the CG 00 01 occurrence formKeystone quote · p.6, and the umbrella follows form over GL, auto, and ELNorthstar §II · p.4.

Line	Carrier	Limits	Premium
General liability	Keystone Mutual	$2M / $4M	$220,700
Umbrella	Northstar Specialty	$5M	$96,300
Property	Summit National	$48.2M TIV	$142,900
Auto	Keystone Mutual	$1M CSL	$88,400
Workers' comp	Arbor Casualty	Stat. / $1M EL	$131,600
Total program premium			$679,900

Products-completed operations

Products-completed operations coverage continues on the renewal, subject to the policy aggregate, and remains an important consideration for a manufacturer supplying food-processing equipment to customers such as Brightwater Foods.

Program 2025–26

9 requirements 5 met 3 unmet 1 ambiguous Draft endorsement request Draft client answer

Brightwater_MSA.pdf p.18–19 of 42

Master Supply Agreement

Brightwater Foods, Inc. / Hartline Manufacturing

§12 Insurance

12.1 Commercial General Liability. Supplier shall maintain CGL insurance on an occurrence form with limits of not less than $2,000,000 per occurrence⁠1 and $4,000,000 aggregate⁠2, including products-completed operations.

12.2 Additional Insured. Buyer shall be named as an additional insured for Supplier’s work, including installation of Equipment, for ongoing operations⁠3 and completed operations⁠4, on a primary and non-contributory basis⁠5.

12.3 Waiver. Supplier shall cause its insurers to waive all rights of subrogation against Buyer⁠6.

Page 19

12.4 Umbrella. Supplier shall maintain umbrella or excess liability of $10,000,000⁠7, following form over §12.1.

12.5 Product Recall. Supplier shall maintain product recall / contamination coverage of $1,000,000⁠8, which may be provided by endorsement.

12.6 Notice. Each policy shall provide thirty (30) days’ prior written notice of cancellation⁠9 to Buyer.

Requirements9 Keystone Mutual · CGL Northstar Specialty · Umbrella

#	Requirement	Contract	Program	Status
1	CGL occurrenceOccurrence form	$2,000,000MSA §12.1 · p.18	$2,000,000 per occurrenceCGL Dec · p.1	Met
2	CGL aggregateIncl. products-CO	$4,000,000MSA §12.1 · p.18	$4M general · $4M P-COCGL Dec · p.1	Met
3	Additional insuredOngoing operations	BrightwaterMSA §12.2 · p.18	CG 20 10 · Buyer scheduledCG 20 10 · p.1	Met
4	Additional insuredCompleted operations	BrightwaterMSA §12.2 · p.18	CG 20 10 only · no CG 20 37Forms sched. · p.2	Unmet
5	Primary basisNon-contributory	RequiredMSA §12.2 · p.18	No CG 20 01 · contributesCG 00 01 · p.12	Unmet
6	Waiver of subro.In favor of Buyer	RequiredMSA §12.3 · p.18	Blanket CG 24 04CG 24 04 · p.1	Met
7	Umbrella / excessFollow form	$10,000,000MSA §12.4 · p.19	$5,000,000 · $5M shortUmbrella Dec · p.1	Unmet
8	Product recallIncl. contamination	$1,000,000MSA §12.5 · p.19	Not scheduled · excl. unclearUmbrella excl. q · p.9	Ambiguous
9	CancellationNotice to Buyer	30 daysMSA §12.6 · p.19	30 days · by endorsementKM 02 30 · p.1	Met

ReportsTower reviewHartline — 2026 casualty program

Export Draft memo

Hartline — 2026 casualty program

Hartline Manufacturing · $25M excess of primary · 4/1/2026 – 4/1/2027

4 layers7 policies5 carriers3 issues

Program towerLimits excess of primary

$25M

L4$10M xs $15MQuota shareFollow form

Ironbridge Excess50% · $5M p/o $10M4/15/26 – 4/15/27

Summit National50% · $5M p/o $10M4/15/26 – 4/15/27

$15M

L3$10M xs $5MFollow-form drift

Arbor CasualtyFollow form + 1 exclusion

4/1/26 – 4/1/27ARB XS 00 01

ARB 21 07PFAS exclusionnot in NSU 00 01

$5M

L2$5M umbrellaxs primaryLead form

Northstar Specialty$25K SIR

4/1/26 – 4/1/27NSU 00 01

L1PrimaryKeystone Mutual4/1/26 – 4/1/27

CGL$2M / $4MCG 00 01

Auto$1M CSLCA 00 01

EL$1M / $1M / $1MWC 00 00 00

Concurrency findings5 checks across 4 layersAll layers

GapFollow-form drift at Layer 3L3 · L2

Arbor adds a PFAS exclusion the umbrella lacks, opening a $5M–$15M hole for PFAS claims. ARB 21 07 · p.2NSU 00 01 §IV · p.6

GapPolicy period misaligned at Layer 4L4 · L3

Ironbridge and Summit incept 4/15/26; $10M xs $15M is bare from 4/1 to 4/15. Ironbridge Dec · p.1Arbor Dec · p.1

UpdateSchedule of underlying: expired autoL2 · L1

Schedule A lists auto BA 25-10448, expired 4/1/26; the renewal is BA 26-11873. NSU Sched. A · p.4Keystone BA Dec · p.1

ConfirmSIR not carried into excess drop-downL3 · L2

Northstar retains $25K where no underlying applies; Arbor's drop‑down is silent on it. NSU Decl. Item 4 · p.1ARB XS §III.B · p.5

ConsistentQuota share: both follow formL4

Ironbridge 50% and Summit 50% follow the Northstar form; shares total 100%. IBX 00 01 §I · p.2SNX 10 §I · p.2

StudioHartline — stewardship 2025–26 Draft · v3 Preview Export PDF Publish microsite

Private microsite· hartline-2025-26 DesktopMobilePDF Updated 2 min ago

YFYOUR FIRMfor Hartline Manufacturing FoundFixedDefendedWhat’s next

Stewardship report · policy year 2025–26

Hartline Manufacturing — the year, on the record

Prepared for Dana Ruiz, CFO · Alex Morgan, account executive · March 2026

7issues caught before bind

3endorsements secured

2claims positions defended

$148Kpremium avoided vs. indications

Schedule of insurance

4/1/25–4/1/26 · incl. TRIA

Line	Carrier	Period	Limits	Premium	vs. prior
GL	Keystone Mutual	4/1/25–26	$2M / $4M	$186,420	+3.8%
Umbrella	Northstar Specialty	4/1/25–26	$5M	$91,200	+9.5%
Property	Summit National	4/1/25–26	$48.2M TIV	$136,500	+6.2%
Auto	Keystone Mutual	4/1/25–26	$1M CSL	$90,300	−2.1%
WC	Arbor Casualty	4/1/25–26	Statutory / $1M EL	$132,180	−4.6%
Total program · 5 lines, 4 carriers				$636,600	+2.3%

Premiums and limits from the bound policiesGL dec · p.1WC dec · p.2SOV · r.48

Year in review

4 milestones

Apr 2025Found

Renewal review caught a cut to the products-completed ops aggregate; restored to $4M.

GL quote §III · p.7
Jun 2025Fixed

Supply agreement requirements checked against the program; 2 gaps closed by endorsement.

Supply §9.2CG 20 37 · p.1
Nov 2025Defended

Brightwater contamination claim: coverage position delivered in 6 hours.

CG 00 01 §I.2.m · p.5
Feb 2026Fixed

Tower concurrency review; umbrella drop-down wording fixed.

Umbrella §IV.B · p.9

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Hartline Manufacturing

Trusted by the people who manage the most complex risks

Qumis works at every stage of a risk-managed account.

Commercial General Liability — renewal review

Coverage position

Prepared for Hartline Manufacturing

Coverage summary

Products-completed operations

Hartline — 2026 casualty program

Hartline Manufacturing — the year, on the record

Schedule of insurance

Qumis closes the Insurance Advisory Gap.

Regionals win accounts that used to be out of reach.

Nationals put their best specialist on every account.

It catches what people miss. Clients notice.

Built for every seat on the account team.

Live with early design partners.

Complex Submission Preparation

Agency Management Integrations

Qumis MCP

Already running ChatGPT or Copilot? So are our largest customers.