PolicyCheck Premium Policy Risk Analysis

x402

PolicyCheck Premium Policy Risk Analysis is a paid API for AI agents from policycheck.tools, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-15).

Performs a full risk assessment of an insurance or legal policy document, returning detailed findings and risk ratings

Price / call$0.03

Seller volume →—

Success—

StatusUnknown

How this service works

PolicyCheck premium analysis — full risk assessment with detailed findings

Output

A comprehensive risk assessment report including detailed findings, identified risk factors, flagged clauses or provisions, and an overall risk evaluation of the submitted policy document.

Example use cases

Example prompt

“Can you run a full premium risk assessment on this homeowner's insurance policy and tell me all the detailed findings and red flags I should know about?”

Technical details

Endpoint

POSThttps://policycheck.tools/api/x402/analyze

When to prefer

Use this endpoint when you need a thorough, premium-tier policy risk analysis with detailed findings rather than a surface-level summary. Ideal for insurance policies, legal contracts, or similar documents where understanding specific risk clauses and a full risk breakdown is critical. Prefer this over lightweight checkers when completeness and detail of findings matter.

Side effects

Empty or unreadable policy content returns a validation error
Policy text too long or too short may be rejected
Malformed request body returns 400 error
Payment failure via x402 protocol returns 402 Payment Required
Server-side analysis failure returns 500 error
Unsupported policy format or language may yield incomplete results

Input

{
  "input": {
    "body": {
      "text": "HOMEOWNER'S INSURANCE POLICY\n\nPolicy Number: HO-2024-TEST\nEffective Date: January 1, 2024\nExpiration Date: December 31, 2024\n\nCOVERAGE LIMITS\nDwelling Coverage: $300,000\nPersonal Property: $150,000\nLiability Coverage: $300,000\nMedical Payments: $5,000\n\nDEDUCTIBLES\nStandard Deductible: $1,000\nWind/Hail Deductible: 5% of dwelling coverage\n\nCOVERED PERILS\n- Fire and smoke damage\n- Windstorm and hail\n- Theft and vandalism\n- Lightning\n- Weight of snow, ice, or sleet\n\nEXCLUSIONS\n- Flood damage\n- Earthquake\n- Wear and tear\n- Maintenance issues\n- Business activities\n\nCLAIMS PROCESS\nNotification required within 60 days of loss\nInsured must mitigate further damage\nInsurer reserves right to repair or replace\n\nPREMIUM AND RENEWAL\nAnnual Premium: $1,200\nRenewal: Automatic unless cancelled with 30 days notice\nNo coverage for claims filed after policy termination"
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  }
}

Schema · Request body

Field	Type	Description
inputrequired	object
output	object

Output

{
  "payment": {
    "payer": "0x9CC42f3d9245B867ACccd630B43f906c1665b176",
    "network": "eip155:8453",
    "settled": true,
    "transaction": "0x33f3a5f6f2c28f0938e83ec9a403f449f0024640c960d76708c685cfffee55e5"
  },
  "analysis": {
    "flags": [],
    "clauses": [],
    "summary": "Strong buyer protections detected. No major red flags identified in this document",
    "policies": {},
    "positives": [],
    "confidence": "high",
    "seller_url": "direct text analysis",
    "analyzed_at": "2026-06-12T01:55:35.452Z",
    "fetch_method": "text_input",
    "analysis_method": "regex_only",
    "analysis_status": "text_provided"
  }
}

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Technical details

Endpoint

POSThttps://policycheck.tools/api/x402/analyze

When to prefer

Side effects

Empty or unreadable policy content returns a validation error
Policy text too long or too short may be rejected
Malformed request body returns 400 error
Payment failure via x402 protocol returns 402 Payment Required
Server-side analysis failure returns 500 error
Unsupported policy format or language may yield incomplete results

Input

{
  "input": {
    "body": {
      "text": "HOMEOWNER'S INSURANCE POLICY\n\nPolicy Number: HO-2024-TEST\nEffective Date: January 1, 2024\nExpiration Date: December 31, 2024\n\nCOVERAGE LIMITS\nDwelling Coverage: $300,000\nPersonal Property: $150,000\nLiability Coverage: $300,000\nMedical Payments: $5,000\n\nDEDUCTIBLES\nStandard Deductible: $1,000\nWind/Hail Deductible: 5% of dwelling coverage\n\nCOVERED PERILS\n- Fire and smoke damage\n- Windstorm and hail\n- Theft and vandalism\n- Lightning\n- Weight of snow, ice, or sleet\n\nEXCLUSIONS\n- Flood damage\n- Earthquake\n- Wear and tear\n- Maintenance issues\n- Business activities\n\nCLAIMS PROCESS\nNotification required within 60 days of loss\nInsured must mitigate further damage\nInsurer reserves right to repair or replace\n\nPREMIUM AND RENEWAL\nAnnual Premium: $1,200\nRenewal: Automatic unless cancelled with 30 days notice\nNo coverage for claims filed after policy termination"
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  }
}

Schema · Request body

Field	Type	Description
inputrequired	object
output	object

Output

{
  "payment": {
    "payer": "0x9CC42f3d9245B867ACccd630B43f906c1665b176",
    "network": "eip155:8453",
    "settled": true,
    "transaction": "0x33f3a5f6f2c28f0938e83ec9a403f449f0024640c960d76708c685cfffee55e5"
  },
  "analysis": {
    "flags": [],
    "clauses": [],
    "summary": "Strong buyer protections detected. No major red flags identified in this document",
    "policies": {},
    "positives": [],
    "confidence": "high",
    "seller_url": "direct text analysis",
    "analyzed_at": "2026-06-12T01:55:35.452Z",
    "fetch_method": "text_input",
    "analysis_method": "regex_only",
    "analysis_status": "text_provided"
  }
}