Commercial coverage and co-insurance in beta; business income coming soon

Commercial coverage in PaxExact is recorded per estimate rather than computed once off to the side and pasted into a report. Coverage details live on the case alongside the evidence and the scope, which keeps a co-insurance result attached to the specific inputs that produced it instead of a number that arrives without its context.

This is new: commercial coverage and co-insurance were released to production in September 2026. That's recent enough that scope and output are still changing, which is exactly what beta means here — real, in use, not finished settling.

Recording coverage this way also means a commercial estimate carries its own coverage context wherever it travels — into the case-file export, into a later revision — instead of that context living only in a separate document someone has to remember to attach.

A co-insurance calculation depends on specific inputs — most obviously, the coverage amount stated in the policy relative to the required amount. When one of those inputs is missing, PaxExact's calculation reports exactly what's missing rather than filling the gap with an assumption or a rounded guess.

That matters more in commercial claims than almost anywhere else on the platform: a co-insurance penalty is a real dollar consequence for the insured, and a guessed number dressed up as a calculated one is worse than no number at all.

A business-income (business interruption) calculation is designed to attach to the case the same way. Inputs are entered by the professional — the platform computes the result and records it, along with an explicit accept or override step, so the review trail stays intact rather than disappearing into a spreadsheet nobody attached to the file.

That calculation is coming soon, not in beta. The platform side exists — financial inputs, the computation, and the accept and override record — but there is no screen for it in the application yet, it is not included in the case report, and the loss period is entered by hand; PaxExact does not derive a period of restoration. Until those land, treat business income as something to calculate outside PaxExact.

Beta here doesn't mean unreliable arithmetic — the calculations are enforced server-side, the same way pricing and totals are elsewhere on the platform. It means the surface around them (which inputs are captured, how overrides are presented, what the exported record looks like) is still being refined based on real commercial claims, not a finished, unchanging feature.

If you're evaluating PaxExact for a commercial book of business today, expect the coverage and co-insurance workflow to keep changing shape over the coming months as more claims run through them, and expect business income to arrive later — plan for that, rather than treating September 2026's version as the final one.