Who it's for
Coverage, co-insurance, and business income for commercial losses
Commercial property losses bring their own coverage records, a co-insurance calculation, a business-income calculation, and typically more reviewers — PaxExact treats that as more line items and more reviewers on the same model, not a different product.
What's real today
- Commercial coverage records and co-insurance calculation are in beta, released to production in September 2026.
- Business income / business interruption calculation is coming soon: built in the platform, but with no screen in the application and not yet in the case report.
- The co-insurance calculation is explicit about missing inputs — it reports what's missing rather than guessing.
- Multiple reviewers can accept or override a calculation, with the override recorded alongside the platform's result.
Coverage records built for commercial, not bolted on
Commercial coverage is recorded per estimate rather than kept in a separate spreadsheet and pasted into a report. This shipped to production in September 2026 and is in beta — real and in use, with scope and output still changing as more commercial claims exercise it. The coverage details live on the same case as the evidence and the scope, so a calculated result stays attached to the inputs that produced it.
Co-insurance that says what it needs
A co-insurance calculation depends on specific inputs, and when one is missing, PaxExact's calculation reports exactly what's absent rather than filling the gap with a rounded assumption. For a calculation with a real dollar consequence for the insured, naming the missing input matters more than a fast answer.
Business income, computed and reviewable
A business-income (business interruption) calculation attaches to the case the same way: inputs entered by the professional, a result computed and recorded by the platform, and an explicit accept-or-override step that keeps the review trail intact. That calculation is coming soon rather than in beta: the platform side exists, 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 with no period-of-restoration logic. Until then, calculate business income outside PaxExact.
More reviewers, more documentation, same traceability
Commercial claims typically involve more reviewers — a public adjuster, an estimator, sometimes a carrier-side reviewer — and more documentation load than a residential loss. PaxExact doesn't change its underlying model for that; it uses the same per-line-item and per-revision review states, so each reviewer's accept or override action stays attributable rather than merging into one anonymous edit. The case-file workflow and its beta PDF export carry that same evidence, scope, and pricing state together, regardless of how many reviewers touched it.
That matters on a commercial file specifically because the documentation load is heavier and the stakes per line are usually higher: a co-insurance penalty or a business-income figure is easier to defend when the record shows exactly who reviewed it, what they changed, and why — not just a final number with no visible history behind it.
FAQ
Frequently asked
Is commercial coverage mature?
It's in beta — in production since September 2026, with scope and output still changing as early-access commercial claims run through it.
What happens when a co-insurance calculation is missing data?
It reports exactly what's missing rather than estimating around the gap.
Can more than one reviewer sign off on a commercial estimate?
Review states and revisions are tracked per line item and per revision, so multiple reviewers' accept and override actions stay attributable rather than merged into one anonymous edit.
Does PaxExact use a different model for commercial versus residential?
No. Commercial adds coverage records and co-insurance (in beta), and a business-income calculation (coming soon), on top of the same estimate, evidence, and review model used for residential claims — not a separate product.
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