The policy is a black box.
Coverages, exclusions, and clauses trapped in PDFs, emails, and portals. Nexture cracks them open and turns them into your system of record: structured, provable, owned, and actionable.
For brokers · insureds · risk teams · finance leaders
Live · verifying in real time
Your team still reads policies by hand.
Nexture decodes every policy into structured intelligence your team can search, cite, and act on — in minutes, not days.
~900 canonical fieldsCited to the pageAES-256 · per tenant
Ask · SOIFA
Portfolio
S
SOIFA → Ridgefield
What's my total cost of risk?
Across 13 active lines, your TCOR comes in at:
Net premium$287,450Retention$96,200Expected losses$22,800Total$406,450
Workspace · Policy Hub
Ridgefield Holdings
Nav
Overview
SOI
Coverage
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Commercial Package
Ridgefield Holdings
Premium
$287k
Term
06·27
SOIFA
Live
4 alerts
2 drafts
Summary of Insurance
Ridgefield Holdings
Premium
$287k
Lines
13
Fields
~900
PROPBuilding · Loc 01$14.25M
PROPBiz Income · 12 mo ALS$6.5M
GLEach occurrence$2M
CYBFirst Party · Data$5M
UMBUmbrella · Tower$25M
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For both sides of the transaction.
Brokers produce from the record. Insureds, risk managers, and finance leaders read from it. Same fields. Different vocabularies.
For brokers.
01
The Schedule of Insurance, reconciled across every quote and every form set.
02
The coverage review that names each gap and cites the clause.
03
The market presentation where every number cites the page it came from.
For insureds, risk & finance.
01
The program record that's yours — portable, connected, and it stays when you switch brokers.
02
The answer to “what are we covered for” — before you need it, and before you ask.
03
Informed, not dependent — claim time isn't the first time you see what's covered.
Every other commercial record was rewritten as data. The policy waited.
The data is locked in the document. The deliverables get typed by hand. The expertise doesn't compound.
The deliverables are manual.
Manual deliverables leak time and leverage. Summaries, comparisons, and briefs stuck in expert queues for hours. Nexture generates them in minutes: consistent, branded, and audit-ready.
The expertise queues.
Senior expertise doesn't scale — it queues. Nexture makes what experts see visible to everyone: coverage gaps, clause analysis, and negotiation notes grounded in your actual policies.
Scene i · Extraction
The PDF becomes a record.
What was buried in the policy surfaces as fields — every limit, every endorsement, every exclusion, traceable back to the page that produced it.
A 412-page commercial package
Plate Nº 01 · Extraction theatre
PDF · page 3 of 412Dec page
Canonical record~900 fields
Building · Loc 01$14,250,000
BPP · Loc 01$3,780,000
Business Income$6,500,000
Ord. & Law A/B/C$2,000,000
Named Storm dedl.5.0%
TRIPRA elected$485
GL · each occurrence$2,000,000
Umbrella · L1$25,000,000
Scene ii · Deliverable
The deliverable, rendered.
Every field cited to the page. Every artifact — summary, review, comparison, brief — produced from one record.
Summary of Insurance
Plate Nº 02 · Summary of Insurance
Summary of Insurance
06·01·2026 → 06·01·2027
Commercial Package
Premium
$287,450
Lines
13
Locations
7
Fields
~900
PROPBuilding · Loc 01 (Miami, FL)$14,250,000p.3 · CP00 10
PROPBusiness Income · 12 mo ALS$6,500,000p.3 · CP00 30
GLEach occurrence · ISO base$2,000,000p.9 · CG00 01
GLGeneral aggregate$4,000,000p.9 · CG00 01
CYBCyber · First Party · Data$5,000,000End. 14
UMBUmbrella · each occurrence$25,000,000L1 · Tower
Coverage Review · Ridgefield
3 high · 1 mod. · 8 ok
HIGHNo flood coverage at Loc 02 (FL, Zone AE)p.3 · sch.
HIGHE&O · defense within limits, not outsideEnd. 09
HIGHCivil Authority · 72 hr waiting periodCP 15 32
LOWOrd. & Law Cov. C excludedCP 04 05
OKTerrorism · TRIPRA electedIL 01 62
OKCyber · first party data · $5MEnd. 14
2025 → 2026 · Commercial Package
6 changes · 1 new
Field
2025
2026
Δ
Premium
$268,200
$287,450
+7.2%
Building · Loc 01
$14.25M
$14.25M
—
Business Income
$6.0M
$6.5M
+$500k
Named Storm dedl.
3.0%
5.0%
+200 bp
GL aggregate
$4M
$4M
—
Ord. & Law C
—
$2M
new
Negotiation Brief · Renewal 2026
Re: Ridgefield Holdings
Carrier · 06·01 renewal
Carrier · 06·01 renewal
Recommend to negotiate
Reduce named-storm deductible from 5% → 3% ($285k coverage impact)
Move E&O defense outside the aggregate (End. 09 rewrite)
Reduce Civil Authority waiting period 72 hr → 24 hr
Consider trading
Add Ord. & Law Cov. C · $2M (absorb $3,200 premium)
Accept higher Cyber retention for broader first-party definition
Hold at current terms
Primary GL · ISO base at $2M each / $4M agg.
Umbrella tower L1 · $25M each / $50M agg.
Prepared for broker review03·14·2026
Scene iii · Workspace
One policy. One home.
The Policy Hub is the canonical detail workspace. Library, activity, communications, AI — all in one place, all reasoning over the same record. No choice to make. Click a policy, land here.
Three-panel workspace · keyboard-first
Plate Nº 03 · Policy Hub
Navigate
Overview
SOI Data
Coverage
Documents
Manage
Calendar
Activity
Parties
Comms
AI Chat
Email
Commercial Package · 06·01·2026 → 06·01·2027
Ridgefield Holdings
Premium
$287,450
Term
46 days
Lines
13
Property · 7 locations$14.25M
General liability · ISO 2013$2M
Auto · symbol 1$1M
Umbrella · tower L1$25M
Cyber · CYB 00 01End. 14
Crime · Commercial$500k
SOIFA
Listening
4 actions
2 drafts
1 alert
Scene iv · The Voice
Or just ask.
SOIFA sees every canonical field across every policy in your portfolio, every email thread, every meeting transcript. It reasons in insurance — and it cites what it claims.
Cmd+K · from anywhere in the app
Plate Nº 04 · Ask SOIFA
S
SOIFA → Ridgefield
Listening
What's our total cost of risk for the current program term?
Answer · with citationsAcross the thirteen active lines for the 2026 term, your total cost of risk comes in at:
Net premium$287,450Retention (10yr mean)$96,200Expected losses$22,800Total cost of risk$406,450
Largest driver is the named-storm deductible on Loc 01 which moved from 3% to 5% at renewal.Request early access.
Private releaseInvite-onlyAES-256 · per tenantSOC 2 in progress