Clause teardown: insurance covenants

The problem

The short version: insurance covenants is easier to get wrong than most teams assume, and the failure is usually silent.

What we do about it

In the current build this runs as part of the standard pass, so it applies to every document in the set rather than only the ones someone thought to check.

Where it breaks

Scanned originals with poor image quality remain the weakest input. So do agreements that were assembled from three precedents and never reconciled, which is common in long-lived supplier relationships.

None of this removes the reviewer. It moves the reviewer to the part of the work where judgement actually pays.