Extract data from policy cancellation notices

A policy cancellation notice is the formal notice that an insurance policy will terminate before its scheduled expiration, or that it will not be renewed. Carriers issue them for non-payment, at the insured's request, or for underwriting reasons, and the notice is regulated: most jurisdictions require a stated reason and a minimum number of days of advance notice. Its common US layout borrows ACORD form conventions, naming the insurer with its NAIC number, the named insured, the policy number, the coverage type, the original effective and expiration dates, and, at the center, the cancellation effective date, the reason, and the party that initiated it. Money and the notice period are what a policyholder and any certificate holder track. Any mid-term cancellation triggers a return-premium calculation: the annual premium splits into earned premium up to the cancellation date and unearned premium that is refunded, and on a pro-rata cancellation the two halves foot back to the annual figure. Days of notice must satisfy the statutory minimum, and where a lender or a landlord is a listed certificate holder, they receive the notice too. Commercial policies can carry several coverage lines, each with its own limits, so the notice often itemizes the premium by coverage. Talonic reads the cancellation notice into structured fields and premium tables. A notice dated 2026-06-01 from Harbor Point Insurance, NAIC 14582, cancelling commercial general liability policy CPP-2026-55810 for Riverside Contracting LLC effective 2026-07-01, returns the cancellation reason, the 30 days of notice, an annual premium of 4,800.00 USD split into 2,400.00 USD earned and 2,400.00 USD unearned, and a refund of 2,400.00 USD that reconciles to the unearned premium, so a broker or an insured works the change from fields. Captured as written, the notice carries no determination about whether the cancellation is valid or the refund correct.

What gets extracted from policy cancellation notices

How extraction works for policy cancellation notices

Cancellation notices follow ACORD form conventions but each carrier renders them slightly differently, spreading the reason, the effective date, and the premium figures across the page. Talonic classifies the notice and maps it to the ACORD-derived field set in the Field Registry, which separates the insurer and its NAIC number, the named insured, and the policy identifiers from the coverage lines and the premium breakdown. Coverage lines and the premium breakdown of annual, earned, and unearned amounts return as their own tables, dates parse to ISO 8601, and on a pro-rata cancellation the earned and unearned premium are checked to foot to the annual premium so the refund equals the unearned portion. Per-value confidence and pixel-region provenance under DIN SPEC 91491 conformity let a broker verify the reason, the notice period, and the return premium against the source notice. Read as written, the notice yields its fields, and no determination is made about whether the cancellation is valid, whether the notice period satisfies the statute, or whether the refund is correct.

Sample extraction

A mid-term, policyholder-requested cancellation of a commercial general liability policy

{
  "document_number": "CN-2026-55810",
  "document_date": "2026-06-01",
  "policy_number": "CPP-2026-55810",
  "coverage_type": "commercial general liability",
  "insured_name": "Riverside Contracting LLC",
  "insured_address": "2200 Industrial Way, Peoria, IL 61602",
  "insurer_name": "Harbor Point Insurance",
  "insurer_naic_number": "14582",
  "policy_effective_date": "2026-01-01",
  "policy_expiration_date": "2027-01-01",
  "cancellation_date": "2026-07-01",
  "cancellation_reason": "insured request",
  "initiated_by": "policyholder",
  "notice_period_days": 30,
  "premium_due": 0,
  "refund_amount": 2400,
  "producer_name": "Delta Risk Advisors LLC",
  "producer_contact": "+1 309 555 0177, service@deltarisk.example",
  "certificate_holder": "Peoria Community Bank, 15 Center St, Peoria, IL 61602",
  "policy_renewal_date": "2027-01-01",
  "additional_insured_indicator": true,
  "subrogation_waived": false,
  "coverage_lines": [
    {
      "policy_number": "CPP-2026-55810",
      "coverage_type": "Commercial General Liability",
      "coverage_effective_date": "2026-01-01",
      "coverage_expiration_date": "2027-01-01",
      "cancellation_effective_date": "2026-07-01",
      "each_occurrence_limit": 1000000,
      "aggregate_limit": 2000000
    }
  ],
  "premium_breakdown": [
    {
      "coverage_type": "Commercial General Liability",
      "annual_premium": 4800,
      "earned_premium": 2400,
      "unearned_premium": 2400,
      "taxes_and_fees": 0
    }
  ],
  "insurer_details": [
    {
      "insurer_name": "Harbor Point Insurance",
      "insurer_naic_number": "14582",
      "coverage_type": "Commercial General Liability",
      "policy_number_for_insurer": "CPP-2026-55810"
    }
  ]
}

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