All AI Policy & Endorsement Audit Comparisons$19 One-Time Anonymous Policy Audit vs. $10–$89/mo Stored Subscription

Infikraft vs. ExclusionRadar: 100% Anonymous Insurance Policy & Endorsement Auditing ($19) vs. Monthly Subscriptions ($10–$89/mo)

Infikraft is built as a general account-based contract drafting, template, and document-storage workspace with recurring $10–$89/month subscriptions. ExclusionRadar is purpose-built for high-stakes commercial insurance policy, binder, COI, and ISO endorsement auditing in 60 seconds—with zero account signup, zero stored files, and native Word Track-Changes (.docx) for a $19 one-time pass.

Quick 30-Second Verdict: Infikraft vs. ExclusionRadar.com (2026)

When to Choose Infikraft ($10–$89/month recurring subscription + mandatory account creation):

You want an ongoing $10–$89/month account-based workspace to generate standard first-party business templates and store your documents in a cloud repository.

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

You received a commercial insurance binder, renewal policy, COI, or lease insurance exhibit and want an instant, 100% anonymous 60-second coverage audit with 3 negotiation postures and native Word Track-Changes (.docx) for a $19 one-time pass—with zero recurring subscription and zero stored files.

Capability / Requirement	ExclusionRadar (EndorseIQ™)	Infikraft & Monthly Subscription Document Platforms
Pricing & Commitment	$0 Free Preview • $19 Single / $29 Deal Pass / $59 5-Pack (Zero Subscription)	$10–$89/month recurring subscription + mandatory account creation
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	Account signup, workspace onboarding, and template/editor configuration
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Account-based cloud workspace storing user documents, templates, and profile data
Native Word Track-Changes (.docx)	1-Click Native .docx (`<w:del>`, `<w:ins>` & Margin Comments) + Endorsement Rider	Focused on general template drafting rather than instant zero-signup OpenXML ISO endorsement Track-Changes
Multi-Hop ISO Endorsement Graph & Round-2 Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Pushback Re-Audit)	Not included out-of-the-box

Why Generic Document Subscriptions Miss Multi-Hop ISO Endorsement Exclusions & Coinsurance Traps

Generic document platforms like Infikraft help you draft standard outgoing business templates inside a stored cloud account ($10–$89/mo). When your insurance carrier sends a 65-page Commercial Property, Construction GL, Cyber, or Malpractice binder packed with back-page ISO exclusions, you don’t need a recurring template subscription—you need an adversarial multi-hop coverage engine that detects cross-section policy exclusions in volatile RAM and exports native Word Track-Changes (.docx) immediately.

Exclusion Trap & Infikraft Blindspot

“ENDORSEMENT CG 21 39 (CONTRACTUAL LIABILITY LIMITATION) & CG 22 94 (SUBCONTRACTOR WORK EXCLUSION): Deletes coverage for liability assumed under an Insured Contract and excludes property damage to completed operations performed by subcontractors on your behalf.”

What Infikraft does: Standard Template/CLM View: Summarizes basic policy dates and headline limits inside your cloud account dashboard.

What EndorseIQ™ Catches & Drafts

Adversarial Multi-Hop Coverage Audit: Detects that Endorsement CG 21 39 and CG 22 94 cross-reference Section I Coverage A and Section V Definitions—silently gutting your contractual indemnity and completed-operations coverage.

“Broker Modification Request: Delete Endorsements CG 21 39 and CG 22 94 in their entirety, restore full ISO CG 00 01 "Insured Contract" and Subcontractor Completed Operations coverage, and attach Blanket Additional Insured (CG 20 10 + CG 20 37) and Waiver of Subrogation (CG 24 04).”

Test EndorseIQ™ Live Right Now (Zero Signup Required)

Scan Your Policy or Binder Free & Compare the Output Yourself

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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 RoleConstruction GL & Subcontractor • Protecting: General Contractors, Subs & Builders

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

COMMERCIAL GENERAL LIABILITY (CGL) CONSTRUCTION BINDER & ENDORSEMENT SCHEDULE

THIS COMMERCIAL GENERAL LIABILITY BINDER ("Policy") is issued by VANGUARD SPECIALTY E&S INSURANCE CO. ("Carrier") to APEX BUILDERS & MECHANICAL CONTRACTORS INC. ("Named Insured") with limits of $1,000,000 Each Occurrence / $2,000,000 General Aggregate / $2,000,000 Products-Completed Operations Aggregate.

SECTION 1. ENDORSEMENT CG 21 39 — CONTRACTUAL LIABILITY LIMITATION (DELETION OF INSURED CONTRACT).
This Policy is modified by ISO Endorsement CG 21 39. The definition of "Insured Contract" in Section V (Definitions) of Commercial General Liability Coverage Form CG 00 01 is amended by deleting Paragraph f. in its entirety. Consequently, this Policy provides ZERO coverage for any tort liability assumed by Named Insured in any construction subcontract, Master Services Agreement (MSA), AIA contract, or hold-harmless indemnity agreement with an Owner or General Contractor.

SECTION 2. ENDORSEMENT CG 22 94 — EXCLUSION: DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF.
This Policy is modified by ISO Endorsement CG 22 94. Exclusion l. (Damage to Your Work) of Section I — Coverage A (Bodily Injury and Property Damage Liability) is replaced to delete the subcontractor exception. This insurance does not apply to "Property Damage" to "your work" arising out of it or any part of it and included in the "products-completed operations hazard," even if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.

SECTION 3. ADDITIONAL INSURED SCHEDULE — ONGOING OPERATIONS ONLY (OMISSION OF CG 20 37 COMPLETED OPERATIONS).
Blanket Additional Insured coverage for upstream General Contractors and Project Owners is provided exclusively under Endorsement CG 20 10 (Ongoing Operations). Coverage for Additional Insureds terminates the moment Named Insured's active operations at the jobsite cease. Endorsement CG 20 37 (Additional Insured — Owners, Lessees or Contractors — Completed Operations) is NOT attached, leaving Named Insured in breach of all post-completion subcontract insurance requirements.

SECTION 4. MANUSCRIPT ACTION-OVER / EMPLOYEE BODILY INJURY & LABOR LAW EXCLUSION (ENDT. GL-904).
Notwithstanding anything to the contrary in the "Employer's Liability" exclusion, this Policy does not apply to any claim, suit, contractual indemnity demand, or third-party "Action-Over" impleader brought by an Owner, General Contractor, or third party seeking contribution or indemnification for "Bodily Injury" to any employee, leased worker, temporary worker, or employee of any subcontractor of Named Insured (including any claim arising under New York Labor Law §§ 200, 240, or 241).

SECTION 5. MANUSCRIPT RESIDENTIAL, MULTI-FAMILY, MIXED-USE CONVERSION & SUBSIDENCE EXCLUSION (ENDT. GL-918).
This insurance does not apply to any "bodily injury," "property damage," or defense expense arising out of construction, remodeling, repair, or subcontracting work on any tract housing, condominium, townhouse, apartment building, dormitory, or mixed-use building containing residential units, or any structure converted to residential use at any time. Furthermore, all claims arising out of earth movement, soil settlement, underpinning, shoring, or subsidence are excluded in their entirety.

100% Stateless & Private • Replaces a $1,200 – $3,500 Risk Audit attorney review

Frequently Asked Questions: ExclusionRadar vs. Infikraft

How is ExclusionRadar different from Infikraft?

Infikraft is a general account-based contract template workspace that charges a recurring $10–$89/month subscription and stores your files in a cloud account. ExclusionRadar requires zero account signup, stores zero files (100% volatile RAM processing), and is purpose-built for auditing commercial insurance policies, binders, COIs, and ISO endorsements—exporting native Microsoft Word Track-Changes (.docx) and an Endorsement Modification Rider in 60 seconds for a one-time $19 pass.

Do I have to pay a monthly subscription to use ExclusionRadar like Infikraft?

Never. ExclusionRadar has zero recurring monthly subscriptions. Your initial Policy Safety Score, Estimated Claim Exposure, and Exclusion #1 fix are 100% free. Unlocking the full policy audit and native Word (.docx) Track-Changes is a one-time $19 pass (or $29 for a Full Renewal Deal Pass including a Round-2 Underwriter Pushback re-audit).

Which tool is better for Commercial Property, Construction GL, Cyber (CG 40 47), and Malpractice binders?

ExclusionRadar includes 110+ specialized ISO endorsement and state statutory coverage playbooks—covering 80%/90% Property Coinsurance Penalties, Construction CG 20 10 / 20 37 & Action-Over Exclusions, Cyber ISO CG 40 47 AI Exclusions, Physician Claims-Made Tail & Retroactive Dates, and D&O Insured-vs-Insured traps—along with 3 selectable negotiation postures (Soft, Market-Standard, and Hardball).

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