All AI Policy & Endorsement Audit ComparisonsInstant Self-Serve Policy & Endorsement Auditor vs. Annual Seat Licenses

ExclusionRadar vs. Spellbook: Instant $19 Policy & Endorsement Auditing Without Annual Subscriptions

Enterprise Word plugins are built for full-time law firm associates drafting agreements all day on $2,400+/yr annual seat licenses. ExclusionRadar is built for policyholders, CFOs, risk managers, contractors, and physicians who need instant insurance binder & ISO endorsement defense right now—with zero sales demos, zero accounts, and a $19 one-time pass.

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

When to Choose Spellbook (~$179–$250+/user/month):

You are a full-time law firm associate drafting general commercial contracts 6+ hours a day inside desktop Microsoft Word and want an annual enterprise seat subscription ($179–$250+/mo).

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

You are a business owner, CFO, contractor, property owner, or independent broker who wants instant self-serve commercial insurance binder & endorsement auditing with downloadable Word Track-Changes (.docx) for $19 per policy ($0 free preview)—with zero sales demos and no annual subscription.

Capability / Requirement	ExclusionRadar (EndorseIQ™)	Spellbook & Annual Enterprise Legal/Risk Add-Ins
Pricing & Commitment	$0 Free Preview • $19 Single / $29 Deal Pass / $59 5-Pack (Zero Subscription)	~$179–$250+/user/month (Annual commitment & sales demo required)
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	Requires scheduling a sales call, annual contract & desktop Word plugin setup
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Account-based SaaS tied to corporate email & Microsoft 365 login
Native Word Track-Changes (.docx)	1-Click Native .docx (`<w:del>`, `<w:ins>` & Margin Comments) + Endorsement Rider	Requires installing desktop Microsoft Word plugin (cannot ingest locked carrier PDFs directly)
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 Policyholders & CFOs Don’t Want a $2,400/yr Seat License to Audit Annual Renewal Binders

Most companies, contractors, medical practices, and property owners renew 2 to 10 insurance policies a year—and carriers almost always deliver those quotes and binders as locked 60-page PDFs rather than editable Word files. ExclusionRadar ingests carrier PDFs and .docx files directly in your browser and flags hidden ISO exclusions in 60 seconds.

Exclusion Trap & Spellbook Blindspot

“ENDORSEMENT CG 22 94 10 01 (EXCLUSION – DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF): Exclusion l. of Section I – Coverage A is replaced by the following: 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."”

What Spellbook does: Requires purchasing an annual law-firm seat license and configuring custom playbooks inside a desktop Word add-in.

What EndorseIQ™ Catches & Drafts

Instant 60-Second Browser Scan: Flags that CG 22 94 removes the standard subcontractor exception to the "Your Work" exclusion—leaving a General Contractor 100% uninsured for completed-operations property damage caused by a trade subcontractor.

“Underwriter Endorsement Request: Delete Endorsement CG 22 94 10 01 (and CG 22 95) in its entirety so the standard ISO CG 00 01 subcontractor exception to Exclusion l. ("Damage to Your Work") remains in full force and effect.”

Test EndorseIQ™ Live Right Now (Zero Signup Required)

Scan Your Policy or Binder Free & Compare the Output Yourself

Available Credits: 0

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. Spellbook

How does ExclusionRadar pricing compare to Spellbook?

Spellbook requires an annual seat subscription tailored to law firms (typically $2,000–$3,000+ per year per seat). ExclusionRadar offers a free instant diagnostic preview and a one-time $19 Single Audit Pass, $29 Full Renewal Deal Pass (2 Credits), or $59 5-Policy Pro Pack with zero subscriptions.

Can ExclusionRadar audit a carrier’s locked PDF binder and still export Microsoft Word Track Changes (.docx)?

Yes. You upload your insurance carrier’s PDF binder, policy specimen, or COI directly in the browser, and ExclusionRadar generates a native OpenXML .docx endorsement modification schedule with Microsoft Word Track Changes (<w:del>, <w:ins>, and margin comments) in one click.

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