# PolicyCheck Premium Policy Risk Analysis

> 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

## Facts

- Endpoint: POST https://policycheck.tools/api/x402/analyze
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/policycheck-tools-67dead38
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_nhmGZWXapzMn-c4shj3Aa

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability policycheck-tools-67dead38 -d '<json body>'
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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 request

```json
{
 "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"
 }
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "bodyType",
    "body",
    "method"
   ],
   "properties": {
    "body": {
     "properties": {
      "url": {
       "type": "string",
       "description": "URL of a policy page to analyse"
      },
      "text": {
       "type": "string",
       "description": "Raw policy/terms text to analyse"
      },
      "sellerUrl": {
       "type": "string",
       "description": "Seller homepage URL — auto-discovers all policy pages"
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/policycheck-tools-67dead38/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from policycheck.tools](https://www.zero.xyz/host/policycheck.tools/llms.txt)