All AI Policy & Endorsement Audit ComparisonsNo Waitlist • No 5-Figure Minimums • Instant Self-Serve

Harvey AI & Luminance Alternative for CFOs, Brokers & SMBs: Self-Serve Policy Auditing in 60 Seconds

Harvey AI and Luminance serve mega-firms and multinational corporations on five- and six-figure annual contracts. ExclusionRadar democratizes multi-hop adversarial insurance policy and endorsement auditing for agile CFOs, founders, brokers, and risk teams at $19 per pass.

Quick 30-Second Verdict: Harvey AI / Luminance vs. ExclusionRadar.com (2026)

When to Choose Harvey AI / Luminance ($25,000–$100,000+/yr enterprise & AmLaw firm deployments):

You are a 500-lawyer global law firm or Fortune 100 risk department procuring a six-figure custom enterprise AI deployment.

When to Choose ExclusionRadar.com ($19 One-Time / $0 Free Preview):

You are a founder, CFO, board member, or independent insurance broker who wants instant self-serve access to multi-hop policy auditing and White-Label Word Track-Changes (.docx) for $19.

Capability / Requirement	ExclusionRadar (EndorseIQ™)	Harvey AI & Luminance Enterprise AI
Pricing & Commitment	$0 Free Preview • $19 Single / $29 Deal Pass / $59 5-Pack (Zero Subscription)	$25,000–$100,000+/yr enterprise & AmLaw firm deployments
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	Multi-week enterprise procurement, waitlist & IT deployment
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Enterprise tenant cloud storage
Native Word Track-Changes (.docx)	1-Click Native .docx (`<w:del>`, `<w:ins>` & Margin Comments) + Endorsement Rider	Enterprise suite integration
Multi-Hop ISO Endorsement Graph & Round-2 Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Pushback Re-Audit)	Not included out-of-the-box

Institutional D&O, Cyber & Commercial GL Defense Without the Six-Figure Gatekeeper

When you are binding a $5M Directors & Officers (D&O) policy before a priced venture round, reviewing a Representations & Warranties (R&W) binder in an M&A transaction, or auditing a multi-location property tower, you need institutional-grade protection today—including White-Label Broker/CFO PDF & Word exports and Round-2 Underwriter Pushback defense.

Exclusion Trap & Harvey AI / Luminance Blindspot

“SECTION IV – EXCLUSION G (INSURED VS. INSURED) & APPLICATION SEVERABILITY: The Insurer shall not be liable for any Claim brought by or on behalf of any Insured or the Company; and any misstatement in the Application by any Insured shall render this Policy void ab initio as to all Insureds.”

What Harvey AI / Luminance does: Closed to self-serve users; requires enterprise procurement and multi-seat annual contracts.

What EndorseIQ™ Catches & Drafts

Flags the archaic Insured-vs-Insured exclusion (which blocks coverage when an ousted co-founder or investor Director sues) and the non-severable Application Rescission trap in 60 seconds, inserting modern Entity-vs-Insured carve-outs and Full Severability.

“Amend the Insured-vs-Insured Exclusion to an "Entity vs. Insured" standard with explicit carve-backs for Shareholder Derivative Actions, Whistleblower Claims, and Former Directors/Officers (>12 months), and add Full Severability + Non-Rescindable Side-A DIC protection.”

Test EndorseIQ™ Live Right Now (Zero Signup Required)

Scan Your Policy or Binder Free & Compare the Output Yourself

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EndorseIQ™ Policy & Binder Scanner

ACTIVE ENGINE: ENDORSEIQ™ (MULTI-HOP ISO & COVERAGE GRAPH)

1. Select Policy / COI Playbook & Protected RoleAuto-Tailored to Your Protected RoleD&O, EPLI & Management Risk • Protecting: Founders, Board Directors & Officers

2. Input Your Document (PDF, Word .docx, Scanned Image, or Text)

Upload PDF / Word (.docx)

Drop PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste policy, COI, or endorsement text

Cmd+V/Ctrl+V

DIRECTORS & OFFICERS (D&O), EPLI & MANAGEMENT LIABILITY BINDER

THIS PRIVATE COMPANY MANAGEMENT LIABILITY BINDER ("Policy") is issued by SUMMIT EXECUTIVE UNDERWRITERS ("Carrier") to HERITAGE CLOUD SOLUTIONS INC. ("Company") and its Directors and Officers ("Insured Persons") with a Combined Shared Aggregate Limit of $3,000,000 across D&O and EPLI.

SECTION IV.F. BROAD "INSURED VS. INSURED" EXCLUSION (FOUNDER, FORMER DIRECTOR & TRUSTEE BLOCKADE).
Carrier shall not be liable to make any payment for Loss in connection with any Claim brought or maintained by, on behalf of, or in the right of the Company or any Insured Person (whether current or former) in any capacity. This exclusion applies without carve-out to: (a) wrongful ouster, dilution, or breach-of-fiduciary-duty suits brought by a terminated Co-Founder or former Director who left the Board less than five (5) years ago; (b) claims brought by a Bankruptcy Trustee, Receiver, or Creditor's Committee; and (c) whistleblower or derivative actions where any Insured Person participates.

SECTION I.A. SHARED ENTITY LIMIT EROSION & MISSING NON-RESCINDABLE "SIDE-A DIC" TOWER.
The $3,000,000 Aggregate Limit of Liability is a single shared limit across Side A (Individual Directors & Officers), Side B (Company Indemnification), Side C (Corporate Entity Liability), and Employment Practices Liability (EPLI). There is NO dedicated Separate Side-A Difference-in-Conditions (DIC) limit for Individual Directors and Officers. Consequently, corporate entity defense costs or a bankruptcy stay on Side C can exhaust 100% of the $3,000,000 policy limit, leaving Founders and Directors with $0 of personal asset protection. Furthermore, Carrier retains the right to rescind Side A coverage for innocent directors if the Application contains any inaccuracy.

SECTION IV.A. NON-SEVERABLE CONDUCT, FRAUD & APPLICATION WARRANTY IMPUTATION.
For purposes of determining the applicability of Exclusion IV.A (Fraud, Dishonesty, or Willful Violation of Law) and the Application Representations Warranty, the knowledge, wrongful act, or financial misstatement of any Executive Officer (CEO, CFO, COO, or General Counsel) shall be imputed to ALL Insured Persons and the Company. Moreover, Exclusion IV.A is triggered upon "in fact" allegations determined by Carrier rather than a final, non-appealable adjudication in the underlying proceeding.

SECTION IX.D. AUTOMATIC CHANGE-IN-CONTROL TERMINATION UPON >50% EQUITY FINANCING OR M&A.
If during the Policy Period any person, venture capital syndicate, or entity acquires more than fifty percent (50%) of the voting stock or board appointment rights of the Company (including via a Series A/B preferred equity financing round or merger), coverage under this Policy shall immediately convert to run-off and terminate for all subsequent acts, with a mandatory 200% run-off tail surcharge required within 10 days.

EPLI ENDORSEMENT EP-08. THIRD-PARTY CUSTOMER EXCLUSION & $25,000 WAGE/HOUR SUB-LIMIT.
Employment Practices Liability coverage excludes all claims brought by third-party customers, vendors, or independent contractors alleging harassment or discrimination. Any claim alleging Fair Labor Standards Act (FLSA) overtime, meal/rest break, or independent contractor misclassification is excluded as to indemnity and capped at a $25,000 defense-only sub-limit.

100% Stateless & Private • Replaces a $2,500 – $7,500 D&O Counsel attorney review

Frequently Asked Questions: ExclusionRadar vs. Harvey AI / Luminance

Does ExclusionRadar support White-Label reports for insurance brokers, M&A advisors, and fractional CFOs?

Yes! Every unlocked audit includes White-Label Advisor / Broker Mode so you can stamp "Prepared By [Your Brokerage / Advisory Firm] for [Client Name]" across the Executive PDF Report, Native Word Track-Changes (.docx), and Signed Endorsement Rider.

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