A fire & life-safety contractor — alarm, sprinkler, extinguisher, special-hazard suppression, installed and serviced — is an excess casualty risk: General Liability and umbrella over a heavy products-completed-operations exposure (a system installed today that has to work years later), plus auto, workers comp and design E&O. The submission looks different from a typical account: the centrepiece is a complex multi-entity master supplemental. We ran a real contractor, Sentinel Fire Protection Group, through InsightXtract on the same Excess Casualty agent.
The packet & classification
Two documents — the broker email and the master supplemental — routed to document types:
Requested tower: GL $1M/$2M, a $10M lead umbrella, and $5M contractors professional (design-build) — captured as coverage terms from the email.
The master supplemental — 8 entities, one workbook
The account operates through eight regional entities, each on its own worksheet, plus a Combined roll-up. InsightXtract reads every sheet, types each block, and lifts the Combined roll-up into a per-entity table — states normalized against glossaries:
| Entity | State | Sales | Payroll | Vehicles |
|---|---|---|---|---|
| Sentinel Fire Protection – Southwest LLC | TX us_state_codes | $22,000,000 | $6,439,103 | 36 |
| Sentinel Fire Protection – Pacific LLC | CA | $15,000,000 | $4,530,000 | 15 |
| … 8 entities across 8 states (entity_summary) | ||||
Operations mix & occupancy split — typed, not lost
Each entity sheet carries the two tables that drive fire-protection rating: the operations mix (% of gross receipts by activity) and the occupancy split. Both are read as typed tables — even the occupancy table, which is a two-column label/percent grid that naive extractors mistake for metadata:
| Operation | % Gross |
|---|---|
| New Installations | 10.8% |
| Retrofit | 32.9% |
| Service & Repair | 5.1% |
| Inspection ITM | 27.4% |
| Design for Other Firms | 23.8% |
| Occupancy | % Gross |
|---|---|
| Assembly | 13.7% |
| Institutional (Detention) | 11.7% |
| Residential (Multifamily) | 12.7% |
| Educational | 14.9% |
| … 11 NFPA classes | |
The operations mix is exactly what an underwriter reads first: New Installations + Retrofit carry the products-completed-operations tail, and Design for Other Firms flags the professional (E&O) exposure. The systems detail — fire alarm types & monitored accounts, sprinkler ITM counts, backflow tests, and suppression agents (clean agent / CO₂ / wet-chemical) — is captured per entity as well.
Roll-up — deterministic exposures
The header exposures the account is rated on fall out of deterministic derived rules over the entity roll-up — exact, reproducible, and traceable:
Every figure ties back to the Combined sheet supplemental · Combined; the broker-email totals reconcile to the same numbers. No LLM arithmetic.
Same agent, new class
Nothing here is a bespoke build. Fire protection routes to the same Excess Casualty agent as construction, trucking, healthcare and the rest — the only industry-specific work is the supplemental document type carrying the operations-mix, occupancy-split and systems structure. The complex 8-entity workbook is read in full, typed, normalized and rolled up, ready for the GL/umbrella rating and a file review that can click any number to its source.
Any casualty class, one agent
Construction, trucking, habitational, manufacturing, healthcare, energy, public entity, fire protection — configurable document types and glossaries, not per-account code. See the end-to-end walkthrough →