> ## Documentation Index
> Fetch the complete documentation index at: https://docs.insurestack.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Policy Management

> Upload, organize, and analyze insurance policies with AI

## What is Policy Management?

**Policy analysis that transforms your workflow.** Scan policies, compare across carriers, check for deficiencies, and generate proposals—all in minutes. Upload any PDF from any carrier and get instant AI-powered extraction and analysis.

## How to Upload Policies

<Steps>
  <Step title="Navigate to Policies">
    From the sidebar, click **"Policy Checking & Comparison"** or use the Quick Action Card on the Dashboard.
  </Step>

  <Step title="Click 'Upload Policy'">
    Start the upload workflow.
  </Step>

  <Step title="Upload any PDF from any carrier">
    Drag and drop your policy PDF file or click to browse. Works with any carrier format.

    <Note>
      Ensure your PDF includes all pages, endorsements, and schedules for complete analysis.
    </Note>
  </Step>

  <Step title="Organize your policy">
    Provide the following information to help organize and find policies later:

    * **Carrier** - Which insurance company issued it (e.g., Travelers, Progressive, CNA)
    * **Client** - Who the policy belongs to (e.g., "ABC Trucking LLC")
    * **Policy Type** - Coverage type: Auto, GL, Property, WC, Umbrella, etc.
    * **Year** - Policy effective year (e.g., 2025)

    <Tip>
      Use consistent naming for clients and carriers to make searching easier later.
    </Tip>
  </Step>

  <Step title="Click 'Upload'">
    Start the AI extraction process.
  </Step>

  <Step title="AI Analysis">
    AI instantly extracts and structures policy details:

    * Coverage limits and deductibles
    * Premiums and payment terms
    * Policy forms and endorsements
    * Exclusions and limitations
    * Named insureds and effective dates

    Large policies (100+ pages) may take 5-10 minutes to process fully.
  </Step>
</Steps>

## Policy Chat: Generate Custom Insights

Once a policy is uploaded and processed, chat with your policy to extract information and generate customized analysis.

### How to Use Policy Chat

<Steps>
  <Step title="Select your policy">
    From your policy list, click on the policy you want to analyze.
  </Step>

  <Step title="Click 'Chat with Policy'">
    Open the chat interface.
  </Step>

  <Step title="Ask questions">
    Type your questions in natural language. Examples:

    * "What is the general liability limit?"
    * "Are cyber incidents covered?"
    * "What are the deductibles for property damage?"
    * "List all exclusions"
    * "What's the aggregate limit?"
    * "Is there a waiver of subrogation?"
  </Step>

  <Step title="Review AI answers">
    Receive AI-powered answers with:

    * Direct excerpts from the policy
    * Page number references
    * Plain-language explanations of complex terms
  </Step>
</Steps>

<Warning>
  Policy Chat is currently unavailable for combined policy types. For combined policies, select individual policy types first to use this feature.
</Warning>

## Best Practices for Policy Upload

<AccordionGroup>
  <Accordion icon="file-check" title="Upload complete policies">
    Include all pages, dec pages, endorsements, and schedules. Incomplete policies lead to incomplete analysis.
  </Accordion>

  <Accordion icon="file-pdf" title="Ensure PDF quality">
    Use high-quality scans or native PDFs. Low-quality scans may result in extraction errors.
  </Accordion>

  <Accordion icon="tag" title="Use consistent naming">
    Name clients and carriers consistently (e.g., always "ABC Trucking LLC," not sometimes "ABC Trucking" or "ABC Trucking Company").
  </Accordion>

  <Accordion icon="calendar" title="Specify the correct year">
    Use the policy effective year, not the current year or upload year. This helps with tracking renewals.
  </Accordion>

  <Accordion icon="folder-tree" title="Organize by policy type">
    Select the specific policy type (Auto, GL, etc.) rather than "Combined" for best Chat functionality.
  </Accordion>
</AccordionGroup>

## What Gets Extracted?

AI automatically extracts and structures all critical policy information:

### Coverage Details

* Policy limits (per occurrence, aggregate, etc.)
* Deductibles and retentions
* Coverage territory and effective dates
* Coverage gaps and deficiencies

### Named Insured Information

* Business name and address
* Named insureds and additional insureds
* Certificate holders and loss payees

### Forms and Endorsements

* Policy forms used (ISO or carrier-specific)
* All endorsements attached
* Form numbers and editions

### Financial Information

* Premium amounts and payment terms
* Audit provisions
* Commission information

### Exclusions and Limitations

* Standard and special exclusions
* Coverage limitations
* Endorsement modifications

<Note>
  AI-powered deficiency detection catches coverage gaps automatically. Always review critical details before sharing with clients.
</Note>

## Viewing Your Policies

The policy list displays all uploaded policies with searchable and filterable views:

* **Policy thumbnail** - Visual preview of policy
* **Carrier** - Insurance company name
* **Client** - Insured's name
* **Policy type** - Coverage type (Auto, GL, Property, WC, etc.)
* **Year** - Policy effective year
* **Upload date** - When you uploaded it
* **Status** - Processing or Completed

From here, you can compare policies across carriers, check for deficiencies, and export comparisons in multiple formats (Excel, PowerPoint, PDF).

## Credit Usage

<Note>
  Credits are only consumed when the policy is successfully processed. Failed uploads do not consume credits.
</Note>

Learn more about [credit costs](/billing/overview).

## Limits and Recommendations

* **File format:** Only PDF files are accepted
* **File size:** No hard limit, but policies over 500 pages may take longer to process
* **Processing time:** Most policies process in under 10 minutes; very large policies (100+ pages) may take up to 20 minutes
* **Number of policies:** No limit on how many policies you can upload and store

## Next Steps

Now that you understand policy upload and organization, explore the powerful comparison and analysis tools:

<Card title="Advanced Policy Tools" icon="wand-magic-sparkles" href="/features/policies-advanced" horizontal>
  Learn about Quick Comparison, Wedge Finder, Proposal Generation, and more advanced features
</Card>

<CardGroup cols={2}>
  <Card title="Generate Quotes" icon="calculator" href="/features/quoting">
    Request new quotes to compare against incumbent policies
  </Card>

  <Card title="Track Commissions" icon="chart-line" href="/features/commissions">
    Monitor commission statements for bound policies
  </Card>

  <Card title="Best Practices" icon="lightbulb" href="/support/best-practices">
    Learn tips for policy management
  </Card>

  <Card title="View Billing" icon="credit-card" href="/billing/overview">
    Check your credit usage
  </Card>
</CardGroup>