---
title: "Review the policy wording and build a coverage table"
url: "https://ailawframework.com/practice/insurance-law/review-the-policy-wording-and-draft-a-coverage-advice-table/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R1-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Review the policy wording and build a coverage table

> Extract insuring clause, exclusions, conditions, limits, deductible, and the claims-made or occurrence label into a table, each with the page. Do not state whether a loss is covered.

Canonical page: https://ailawframework.com/practice/insurance-law/review-the-policy-wording-and-draft-a-coverage-advice-table/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Extract insuring clause, exclusions, conditions, limits, deductible, and the claims-made or occurrence label into a table, each with the page. Do not state whether a loss is covered. |
| What the lawyer must review | 15 U.S.C. § 1012(a) leaves the business of insurance to state law, and § 1012(b) says an Act of Congress does not override a state insurance statute unless the Act specifically relates to the business of insurance. You read the policy against the state's coverage cases. California Insurance Code § 790.03 includes misrepresenting to claimants pertinent facts or policy provisions relating to coverages at issue. The NAIC model Act is not itself the state's law. Formal Opinion 512: verify every citation before the table is used. |
| Written for | United States |
| Applies to | [Review the policy wording and draft a coverage advice table](https://ailawframework.com/practice/insurance-law/review-the-policy-wording-and-draft-a-coverage-advice-table.md) |

## Checking plan

- What the AI does: Extract insuring clause, exclusions, conditions, limits, deductible, and the claims-made or occurrence label into a table, each with the page. Do not state whether a loss is covered.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- NAIC model MO-900 says it is not intended to create a private cause of action, and a listed act is an unfair practice only if flagrant or frequent enough to be a general business practice.
- Do not apply the Insurance Contracts Act 1984 (Cth).

## Sources

- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [California Insurance Code § 790.03, unfair methods of competition and unfair acts](https://california.public.law/codes/ca_ins_code_section_790.03) (checked 2026-10-22)
- [NAIC Unfair Claims Settlement Practices Act, model MO-900](https://content.naic.org/sites/default/files/model-law-900.pdf) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Tender of a claim or suit to a liability insurer](https://ailawframework.com/precedents/insurance-law/us-coverage-tender-letter.md) | Letter | Yellow | A notice to a liability insurer that a claim or a suit has been made, enclosing the papers the lawyer marks.… |
| [New York liability-policy notice checklist](https://ailawframework.com/precedents/insurance-law/us-ny-liability-notice-checklist.md) | Checklist | Yellow | A worksheet for whether New York Insurance Law § 3420's notice and disclaimer provisions are even in play. It records facts. It does not decide prejudice or timeliness. |

Signed-in accounts can read the full text of each one.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*