The contract, checked against the program.

Q: We already run general AI assistants. Why use Qumis for contract review?

Keep them — Qumis's largest customers run both. A general assistant summarizes the insurance section; Qumis reads each requirement against the policy language that actually controls it and cites both sides.

Leases, MSAs, construction agreements, and diligence files read against the live program — each requirement met, unmet, or ambiguous, cited both ways, with the client’s answer and the endorsement request drafted.

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Lease §9 against the program — met, unmet, ambiguous, cited both ways

Representative screen · specimen lease

Program 2025–26

Lakeshore_BldgC_Lease.pdf·Article 9, Insurance·pp. 21–23 of 64

Lease §9 insurance requirements

Hartline Manufacturing, Tenant·Lakeshore Industrial REIT, Landlord

11checked

Met8
Unmet2
Ambiguous1

Draft endorsement request Draft client answer

LineRequirementLease saysProgram saysVerdict

General liability

Keystone Mutual

KM-GL-4471902

4 of 5 met

CGL limitsOccurrence, CG 00 01 $1M occ. / $2M agg.Lease §9.1 · p.21 $1M / $2M · P-CO $2MCGL Dec · p.1 Met

Additional insuredLandlord Landlord, as to premisesLease §9.2 · p.21 CG 20 11 · Lakeshore scheduledCG 20 11 · p.1 Met

Additional insuredLandlord’s lender Harbor Point Capital, lenderLease §9.2 · p.21 Not scheduled · needs CG 20 18Forms sched. · p.2 UnmetEndt. request

Primary basisNon-contributory Required for AIsLease §9.2 · p.22 CG 20 01 attachedCG 20 01 · p.1 Met

Waiver of subrogationIn favor of Landlord All liability policiesLease §9.5 · p.22 Blanket CG 24 04 · written contractCG 24 04 · p.1 Met

Property · BI

Summit National

1 of 2 met

Tenant improvementsReplacement cost Full replacement costLease §9.3 · p.22 In BPP as TI&B · not on SOVCP 00 10 · p.1 Ambiguous

Business incomeIncl. rent abatement 12 monthsLease §9.4 · p.22 12 months ALS · CP 00 30Property Dec · p.2 Met

Umbrella

Northstar Specialty

Umbrella / excessFollow form $5,000,000Lease §9.1 · p.21 $5,000,000 · AIs follow formUmbrella Dec · p.1 Met

Environmental

Not in program

Pollution legal liab.Premises, Building C $2,000,000Lease §9.6 · p.23 No PLL · CGL excludes pollutionCG 21 49 · p.1 UnmetClient answer

Nothing in the program responds to §9.6. The Keystone CGL carries the CG 21 49 total pollution exclusion and the Northstar umbrella follows it. Place a $2M site PLL on Building C before occupancy, or ask Lakeshore to waive §9.6.

Notice · COI

All policies

2 of 2 met

Notice of cancellationTo Landlord 30 days’ written noticeLease §9.7 · p.23 30 days · by endorsementKM 02 30 · p.1 Met

CertificateDelivered annually At occupancy, then yearlyLease §9.8 · p.23 ACORD 25 issued 07/01/2025COI · p.1 Met

The client’s deal, answered before it stalls.

“Does our insurance meet the requirements?” is the question clients ask most, on their own deadline — a lease, an MSA, a construction agreement, an acquisition. By hand, each one takes a qualified reader about two hours, so the client waits — or the skim misses the manuscript endorsement buried in the repeat MSA.

Extracts every requirement and risk-transfer provision.

Insurance requirements, additional-insured status, waivers of subrogation, hold-harmless and indemnification language, limitations of liability — from leases, MSAs, vendor and construction agreements, and diligence files.

Maps each to the controlling policy language.

Not to the form number — to the language that actually controls, including the endorsement buried in the repeat MSA. Met, unmet, or genuinely ambiguous, cited to the contract clause and to the policy.

Drafts the answer.

The requirements memo in plain client language, the broker’s recommendation, and the endorsement request for the carrier — one pass, ready for your professional’s review.

The question

“The question I often get is: here’s what they put together — does our insurance meet the requirements?”

Broker, recorded call

With Qumis

Requirements extracted, mapped to the language that controls, and answered in minutes — with the ledger your E&O file wants behind it.

Met · unmet · ambiguous — cited both ways

Contracts came to Qumis before this job had a name.

3,135

contracts uploaded by customers and read against their programs — alongside 34,800 policies and 12,000 quotes.

Qumis production data, 25 August 2026. Construction, real estate, and healthcare practices live on contract flow; fee-based firms bill the review as service.

Requirements memo — Specimen Manufacturing Co. lease

For the client · drafted, for your review

Your lease requires additional-insured status for ongoing and completed operations. The endorsement on your general liability policy covers ongoing operations only — we have asked the carrier for the broader form, and the request is attached.

3 met2 unmet — requests drafted1 ambiguous — flagged

Illustrative client — generic by designCited both ways: lease clause ↔ policy language

Teams that answer contracts here usually run these next.

Policy Review & CheckingThe program the contract is checked against, checked whole at renewal.See the use case Claims Coverage Analysis & AnalyticsWhen the indemnity the contract promised is tested, the position built the way counsel would.See the use case Stewardship Reports & EBRsEvery deal answered becomes part of the year-end record.See the use case

The questions buyers ask first.

We already run general AI assistants. Why use Qumis for contract review?

Keep them — our largest customers run both. Ask a general assistant about a lease and you get a summary of the insurance section. Qumis reads the requirement against the policy language that actually controls it — including the endorsement that quietly narrowed the additional-insured grant — and cites both sides.

We have a certificate-tracking system.

Keep it — that is compliance operations on incoming certificates, and it is a different job. This is the client’s own deal: what their contract requires of their program, and whether the program delivers it.

Which teams get the most out of it?

Construction, real estate, and healthcare practices live on contract flow; fee-based firms bill the review as service; and client-side risk managers use it to check vendors’ certificates against what the contract actually requires.

Can it review a whole portfolio of contracts?

Yes. Upload the client’s contract set and get the requirements profile, the limitation-of-liability inventory, and the exceptions worth a conversation — the portfolio question a client-side risk team asked us to answer.

Underneath the six is Coverage Intelligence — the system of judgment Qumis is building for commercial insurance, where every reviewed decision makes the next one better.

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