Liability Coverage Logic Engine — Form 5980 TX, Part I

Part I duty-to-defend logic, mapped

The third-party analysis runs your funnel in two directions. Level I is inclusive — at the insuring agreement we ask whether any allegation is potentially within coverage; a single one triggers the duty to defend the entire suit (eight-corners rule). Level II is exclusive — for each exclusion we ask whether any allegation arguably falls within it; an arguable one needs a reservation, and only an exclusion that bars the whole suit defeats the defense. Level III separates the narrower duty to indemnify and the conditions.

Element satisfied / defense owed Defeats the entire suit → Declination Arguable → Reservation of Rights Limit / indemnity / counsel

Prototype — illustrative. Logic is modeled on Form 5980 TX (08/17), Part I, and Texas duty-to-defend doctrine (eight-corners rule; duty to defend broader than duty to indemnify; doubt resolved for the insured). A demonstration aid, not legal advice; verify against the issued policy and the live pleadings.

Guided defense analysis

Not started0 provisions screened

⚙ AI Pleadings Review CONCEPT

In production, Claude reads the petition (the "eight corners") and proposes each answer — flagging which allegations open the door and which arguably fall within an exclusion — with a citation to the paragraph. Load a sample suit:

Provisions in play

Live conclusions & audit trace

Answer questions to build the analysis.

Defense-position letter

Drafted in your format: an opening statement of the defense position, then I. allegations, II. policy information, III. coverage analysis in IRAC (duty to defend first, then each arguable exclusion, then duty to indemnify), IV. additional information needed, and V. conclusion — with reservation language and, where a conflict exists, an independent-counsel advisory. Standard I.A.1.a.i. outlining.

Document

[brackets] are merge fields from the claim record.