Each line changes the field logic
Umbrella and Excess require follow-form and aggregate posture. Professional Lines, Cyber, D&O, and EPLI often require claims-made evidence, retentions, continuity or retroactive dates, and separate limit structures.
Crime adds employee theft, computer fraud, forgery, funds transfer, deductible, and fidelity-style schedules. Inland Marine adds contractor's equipment, equipment floaters, transit limits, installation risk, scheduled property, and deductible evidence. Cargo adds ocean cargo, marine cargo, stockthroughput, shipment limits, transit deductibles, policy numbers, and territory signals. Environmental adds contractors pollution liability, pollution legal liability, premises pollution liability, per-pollution-condition limits, aggregate limits, retentions, and retroactive-date language. These are not just new names. They are new evidence patterns.
The value of proof-gated expansion
As schemas expanded, the temptation was to call everything supported too early. PolDex avoided that. A schema became callable only after its own public corpus passed the gate.
That keeps the product honest and gives investors, developers, and customers a simple way to understand the claim: all 56 schemas are hardened, and the proof is tied to named release-gate corpora.
Why commercial depth matters
Commercial P&C is the wedge because the documents are painful and dense. Brokers, carriers, MGAs, procurement teams, compliance products, and AI-native builders all need trustworthy structured data from these files.
Every hardened line adds another part of the commercial workflow that can use PolDex without waiting for a full enterprise data project.