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. These are not just new names. They are new evidence patterns.
The value of proof-gated expansion
As schemas expand, the temptation is to call everything supported. PolDex avoids that. A schema only becomes callable after its own public corpus passes the gate.
That keeps the product honest and gives investors, developers, and customers a simple way to understand progress: what is hardened, what is hardening, and what proof backs the claim.
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.