Harbor View Services

Small business insurance cockpit: policies, documents, renewals, citations, and broker-safe review.
Jess demo pass

Turn scattered policies into an operating system for insurance decisions.

The cockpit is the product. Chat helps answer questions, but the durable value is the structured policy inventory, renewal timeline, missing-doc model, scheduled checks, and broker review workflow.

Today's Insurance Brief

Generated from docs, extracted policy fields, and scheduled jobs.

Read-only
Workers comp renews in 47 days.Payroll estimate and officer inclusion questions are not in the vault yet.
Cyber renewal application is missing.The system found the policy and quote, but not the application packet.
Business income wording changed.Broker review suggested before the owner relies on the answer.
Policies tracked
8Across property, GL, cyber, auto, umbrella, and workers comp.
Docs indexed
31Policies, endorsements, COIs, loss runs, quotes, and invoices.
Needs broker review
4Advice-sensitive or low-confidence items waiting for review.
Extraction confidence
91%Average confidence across normalized policy fields.

Policy Inventory

Structured source of truth extracted from insurance documents.

PolicyCarrierRenewalPremiumConfidenceStatus
Business Owner PolicyProperty + general liability
TravelersAug 31, 2026$18,420
Ready
Cyber Liability$1M aggregate
CoalitionSep 14, 2026$4,880
Missing app
Workers CompensationMI statutory benefits
Accident FundAug 25, 2026$11,720
Prep due
Commercial Auto4 vehicles indexed
Auto-OwnersOct 02, 2026$7,340
Ready

Renewal Timeline

Generated from policy dates and scheduled checks.

Missing-doc auditCyber renewal application not found.
Open
Broker question packetDraft questions for BOP and cyber.
Draft
Workers comp renewalPayroll estimate and officer status needed.
47 days
BOP renewalCompare terms against 2025 packet.
53 days

OpenClaw-Like Insurance Workflow

Tools and scheduled jobs make the product more durable than document chat.

UploadStore originals in a private bucket and log every document event.
ExtractClassify docs, OCR scans, and pull policy fields into Postgres.
CompareFind changes from last year's terms, limits, deductibles, and exclusions.
CiteAnswer questions with source snippets, page refs, and confidence labels.
ReviewRoute advice-sensitive outputs to the broker before they become recommendations.

Document Vault

Private Supabase Storage bucket with extraction, citations, and audit trail.

Tenant isolated

Drop policy docs, quotes, loss runs, COIs, invoices, or broker emails.

Accepted: PDF, DOCX, images, CSV schedules, and exported email attachments. Demo keeps this static; backend plan uses Supabase Edge Functions.

Indexed Documents

Every row maps back to extracted policy fields and chunks.

DocumentTypePolicyUploadedConfidenceStatus
BOP Renewal Packet 2026.pdfRenewalBOPJul 0896%Indexed
Cyber Declarations.pdfDeclarationsCyberJul 0888%Needs app
Auto Vehicle Schedule.xlsxScheduleAutoJul 0794%Indexed
Loss Runs 2023-2026.pdfClaimsAll linesJul 0682%Reviewed

Extraction Queue

Tool calls the UI should expose later.

extract_policy_fieldsBOP Renewal Packet 2026.pdf completed in 42s.
Done
detect_missing_docsCyber renewal application not found.
Open
compare_policy_versionsCurrent BOP vs prior year queued.
Queued

Policies

The structured insurance record is the product moat.

Property + Liability

  • BOP limit, deductible, named insured, locations, and endorsements extracted.
  • Business income waiting-period language changed from prior year.
  • Question routed to broker review before advice.

Cyber

  • $1M aggregate found on declaration page.
  • Renewal application is missing from the vault.
  • Funds-transfer wording needs broker confirmation.

Auto

  • Vehicle schedule and four VINs indexed.
  • Driver list should be refreshed before October renewal.

Workers Comp

  • Statutory benefits confirmed.
  • Payroll estimate missing for renewal packet.

Cited Insurance Chat

Answers what the documents say, then routes advice-sensitive items to broker review.

Read-only
What policies renew in the next 90 days? Workers Compensation renews Aug 25, BOP renews Aug 31, and Cyber renews Sep 14. The cyber renewal application is missing, so the system recommends sending a broker question packet before relying on the current quote.
BOP Renewal Packet p.2Cyber Declarations p.1Broker review

Answer Controls

Guardrails become trust, not friction.

Every answer needs sources.Policy fields and retrieved chunks display citations.
Advice is reframed.The assistant says what documents show and what to ask the broker.
Promote to broker question.Any answer can become a review item in the broker board.

Renewal Readiness Report

The strongest workflow for V1 and the best Jess demo story.

Snapshot8 active policies, 31 documents, 3 renewals inside 90 days, average extraction confidence 91%.
Missing ItemsCyber renewal application, workers comp payroll estimate, updated driver list, two expiring vendor COIs.
Changed TermsBOP business income waiting period appears different than prior year; needs broker confirmation.
Owner ActionsUpload payroll estimate, request cyber application, confirm driver schedule, review broker question list.
Broker Packet4 prioritized questions, source citations, and low-confidence fields ready for review.

Broker Question List

Useful without pretending to be insurance advice.

  • Did the business income waiting period or limit change from last year?
  • Does the cyber policy include funds-transfer fraud and social engineering coverage?
  • Are any COIs expiring before current vendor contracts renew?
  • Should the umbrella quote match current auto and GL limits?
  • Is the workers comp payroll estimate current for renewal underwriting?

Scheduled Jobs

OpenClaw-style loops that keep insurance memory alive after upload day.

Daily renewal scan9:00 AM weekdays. Checks renewal windows and missing prep items.
On
Missing-doc auditMondays. Detects absent applications, declarations, COIs, schedules, and loss runs.
On
CFO insurance briefFridays at 3:30 PM. Draft-only weekly summary.
Draft
Policy version compareRuns after each renewal upload and flags changed terms.
Review
Broker review packet30 days before renewal. Bundles low-confidence fields and questions.
On
COI expiration watcherWeekly vendor certificate expiration check.
On

Broker Review Board

This is the safety layer that makes the product credible for Gallagher.

4 open items

Needs Review 2

Business income wording changedQuestion generated from BOP renewal comparison. Broker should confirm impact.BOP p.18
Cyber funds-transfer languageAnswer confidence is 72% because endorsement text is partial.Low confidence

Ready For Broker 2

Umbrella alignmentAsk whether umbrella follows current GL and auto limits.Cited
Workers comp payroll estimateOwner should provide estimate before renewal packet.Cited

Resolved 3

Named insured mismatchResolved after user uploaded endorsement 06.Closed
Vehicle schedule indexedFour vehicles matched to commercial auto schedule.Closed

Governance

Broker-safe defaults from day one.

  • Tenant-isolated organization workspace with RLS-friendly data model.
  • Private document storage with signed access and audit events.
  • Document text is treated as evidence, not instruction.
  • Advice-sensitive outputs route to broker review.

Model Router

Suggested Edge Function routing for demo backend.

Extraction modelJSON schema output for policy fields and document types.
Strict
Answer modelRetrieval-grounded answers with citations and refusal boundaries.
Cited
Report modelRenewal report generation with source references.
Review