All AI Policy & Endorsement Audit Comparisons60-Second Speed & 98% Cost Reduction

ExclusionRadar ($19) vs. $1,500/hr Coverage Counsel: The Smart Renewal & Binder Audit Workflow

Paying outside coverage counsel $2,500 and waiting 10 business days just to audit an annual Cyber, D&O, Malpractice, or Commercial Property renewal binder is impractical for most renewals. Run ExclusionRadar first in 60 seconds to catch the 5 biggest coverage exclusions and sub-limit traps.

Quick 30-Second Verdict: Coverage Counsel ($1,500/hr) vs. ExclusionRadar.com (2026)

When to Choose Coverage Counsel ($1,500/hr) ($1,500–$4,500+ per policy coverage opinion):

You are in active federal bad-faith coverage litigation against an insurer after a $10M+ claim denial and require formal courtroom representation.

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

You want to diagnose the 5 biggest exclusions, sub-limits, and coinsurance traps in a Property, GL, Cyber, Malpractice, or D&O binder in 60 seconds for $19—either to negotiate with your broker today or to cut outside counsel’s billable hours by 85%.

Capability / Requirement	ExclusionRadar (EndorseIQ™)	$1,500–$4,500 Outside Coverage Counsel Review
Pricing & Commitment	$0 Free Preview • $19 Single / $29 Deal Pass / $59 5-Pack (Zero Subscription)	$1,500–$4,500+ per policy coverage opinion ($750–$1,500/hr billable rates)
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	5 to 14 business days
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Requires formal engagement letter & conflict check
Native Word Track-Changes (.docx)	1-Click Native .docx (`<w:del>`, `<w:ins>` & Margin Comments) + Endorsement Rider	Delivered after 1–2 weeks of billable associate hours
Multi-Hop ISO Endorsement Graph & Round-2 Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Pushback Re-Audit)	Not included out-of-the-box

How Smart CFOs, Physicians & Independent Brokers Cut Coverage Review Costs by 90%

Even when you engage specialized coverage counsel on a complex D&O tower or M&A representations policy, sending an un-audited first quote means paying $1,000/hr to spot standard Prior-Acts Retroactive Date resets, 80/20 Hammer Clauses, and Defense-Inside-the-Limits traps. Running ExclusionRadar first gives you a complete Track-Changes (.docx) endorsement request schedule and Policy Safety Score in 60 seconds.

Exclusion Trap & Coverage Counsel ($1,500/hr) Blindspot

“SECTION II – DEFENSE & SETTLEMENT (80/20 HAMMER CLAUSE): If the Named Insured refuses to consent to any settlement recommended by the Insurer, the Insurer’s liability for Loss and Defense Costs shall not exceed the recommended settlement amount plus 20% of excess Loss and Defense Costs incurred thereafter.”

What Coverage Counsel ($1,500/hr) does: $2,500 Retainer + 10-Day Wait for formal coverage memo.

What EndorseIQ™ Catches & Drafts

Immediate 60-Second Detection: Flags the harsh 80/20 Hammer Clause (which forces a physician or founder to accept a career-damaging settlement or pay 80% of ongoing defense costs) and drafts Pure Consent-to-Settle and 70/30 Soft-Hammer alternatives for $19.

“The Insurer shall not settle any Claim without the prior written consent of the Named Insured ("Pure Consent to Settle"); or in the alternative, if the Insured withholds consent, the Insurer shall remain liable for seventy percent (70%) of all subsequent Defense Costs and Loss in excess of the recommended settlement.”

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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 RoleMedical & Professional Malpractice • Protecting: Physicians, Dentists & Advisory Firms

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

PHYSICIANS, SURGEONS & HEALTHCARE CLAIMS-MADE MALPRACTICE BINDER

THIS CLAIMS-MADE PROFESSIONAL LIABILITY BINDER ("Policy") is issued by MEDPRO NATIONAL INDEMNITY CORP. ("Carrier") to DR. JORDAN REID, M.D. & PREMIER SURGICAL ASSOCIATES PLLC ("Named Insured") with limits of $1,000,000 Per Medical Incident / $3,000,000 Annual Aggregate (Annual Expiring Premium: $22,000).

ITEM 4. CLAIMS-MADE RETROACTIVE DATE ("PRIOR ACTS DATE") RESET TO INCEPTION.
This Policy applies ONLY to Medical Incidents that first occur on or after the Retroactive Date specified in Item 4 of the Declarations: NOVEMBER 1, 2026 (Policy Inception Date). No Prior Acts or Nose Coverage is provided under this Binder. Any claim, lawsuit, or board subpoena arising from surgeries, diagnoses, or patient care rendered by Named Insured during the preceding six (6) years of clinical practice prior to November 1, 2026 is 100% EXCLUDED unless covered under a separate purchased Extended Reporting Period (Tail) from the prior carrier.

SECTION V.B. FORCED SETTLEMENT AUTHORITY & 100% HAMMER CLAUSE (NO PURE CONSENT TO SETTLE).
Carrier may settle any claim or suit as Carrier in its sole discretion deems expedient. Although Carrier will consult with Named Insured prior to settling a claim that triggers a mandatory report to the National Practitioner Data Bank (NPDB) and State Medical Board, if Named Insured withholds consent to Carrier's recommended settlement, Carrier's liability is immediately capped at the recommended settlement figure, and Named Insured shall bear one hundred percent (100%) of all subsequent defense fees, expert witness costs, and any excess verdict above the proposed settlement.

SECTION VII. EXTENDED REPORTING PERIOD ("TAIL COVERAGE") PRICING & RETIREMENT WAIVER OMISSION.
Upon cancellation, non-renewal, or termination of employment for any reason, Named Insured may purchase an optional Unlimited Extended Reporting Period ("Tail") solely by delivering written election and paying a single lump-sum premium equal to two hundred fifty percent (250%) of the full undiscounted annual premium ($55,000 due in full within fifteen (15) calendar days of termination). This Policy contains NO free Tail waiver for Retirement, Permanent Disability, or Death.

SECTION II.A. DEFENSE COSTS AND DISCIPLINARY PROCEEDINGS "INSIDE THE LIMITS".
All legal defense fees, medical expert witness retainers, court costs, and investigation expenses incurred by Carrier in defending a claim are included "Inside the Limits" of Liability and directly erode the $1,000,000 Per-Incident limit available to pay judgments or settlements. State Medical Licensing Board, DEA, and Medicare/RAC billing audit defense is capped at a $10,000 aggregate sub-limit.

ENDORSEMENT MP-14. AESTHETIC LASER, MED-SPA, GLP-1 TELEHEALTH & MID-LEVEL SUPERVISION EXCLUSION.
This Policy does not apply to any claim arising out of: (a) elective cosmetic, aesthetic laser, IPL, microneedling, or med-spa procedures; (b) the prescribing, compounding, or telehealth administration of GLP-1 weight-loss medications or hormone replacement therapy; or (c) Named Insured's vicarious liability or collaborative supervision of any Physician Assistant (PA), Nurse Practitioner (NP), or CRNA unless separately scheduled and surcharged.

100% Stateless & Private • Replaces a $1,500 – $4,500 Policy Audit attorney review

Frequently Asked Questions: ExclusionRadar vs. Coverage Counsel ($1,500/hr)

Can independent insurance brokers and fractional CFOs white-label ExclusionRadar reports for their clients?

Yes. Every unlocked report includes White-Label Advisor / Broker Mode, allowing you to stamp "Prepared By [Your Brokerage / Firm] for [Client Name]" on exported PDF Executive Audit Reports, Word Track-Changes (.docx) Endorsement Schedules, and Signed Policy Riders (.doc).

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