PATENT CLAIM ANALYSIS

Application Number: 15952313
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-10
Patent Classification: ["705", "004000"]

Abstract:
A method for identifying and managing the appropriate environmental insurance plan that is specifically customized for the HNW insured's. The method provides an accurate and customized approach for assessing the risk tolerance of the HNW insured's for their environmental exposure. The method involves determining the amount of environmental risk, in the form of environmental exposures and environmental liability, the HNW can fiscally tolerate for its resources. Specifically, this method involves providing the HNW with the information necessary to determine whether it makes fiscal sense to transfer its environmental liabilities to an environmental/pollution risk transfer model, as opposed to waiting until an environmental loss actually occurs.

Claim (Index 2):
The method of  claim 2 , wherein the HNWI's environmental liability comprises legal defenses, environmental impairment liability, transportation pollution, contractors pollution liability, 1 st  and 3 rd  party bodily injury and property damage, 1 st  and 3 rd  party business income, emergency response, lead, mold, exterior finish & insulating systems, reputational risk, natural resource damage, non-owned disposal sites, merger acquisition and pollution protection coverage, property transfer coverage, surety, excess liability or umbrella coverage, underground and above ground storage tanks, excess of indemnity, or any combinations thereof.

Metadata:
- Claim Count in Document: 11.0
- Percentile: 91.0
- Lexical Diversity: 1.71642
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['12589113', '11829668', '11769553', '09775278', '13731417']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0937273390396732
- 35 USC 102 Novelty (BERT): 0.5048509987281152
- Combined Prediction Score: 0.1348397050085174
- Mean Citation Score: 150.592704
- Max Citation Score: 155.935
- Similarity Product: 88.84253661483527

Labels:
- Claim Label 101: 0
- Claim Label 102: 1
- Claim Label 103: 0
- Claim Label 112: 0
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test