The renewal wording
A renewal arrives with a new wording that is "substantially the same". Somewhere in it a sub-limit moved, an exclusion was widened by one word, or a definition changed in a way that affects six clauses. The broker has to tell the client what changed. The underwriter has to know what they are now covering.
Endorsements
An endorsement is supposed to change specific terms and nothing else. Comparing the endorsed wording against the original confirms that. The change list should contain the intended changes and nothing more; anything else is a drafting error to fix before it becomes a claims dispute.
What the comparison handles
- Word-level changes inside long clauses, including changed figures and defined terms.
- Moved clauses, reported as moves rather than as delete-plus-insert pairs.
- Formatting changes, classified separately so a re-typeset wording does not hide real changes.
- Repeated headers, footers and page numbers, excluded automatically.
Sharing the result
Every comparison produces a standalone side-by-side HTML file and a redlined PDF. Brokers send them to clients as the renewal comparison. Claims teams attach them to the file when the applicable wording is disputed.
Try it on your own documents. Upload two versions on the homepage. Documents up to 30 pages need no account, and nothing is stored.
Industry page: PDF comparison for insurers and brokers