Upload any insurance policy, employment contract, or lease. SecondLayer surfaces what's hidden — the exclusions, the traps, the clauses you'd only discover when it's too late.
✓ Free analysis included · ✓ No account needed · ✓ Results in under 2 minutes
SecondLayer reads insurance policies, employment contracts, business agreements, and any legal document — and surfaces what the other party's lawyers put in. Red flags, risk areas, unclear terms, coverage gaps, and safe clauses. Organised by what matters most to you, with the exact clause text that triggered each finding.
You select your focus areas before the analysis — what you want to know about the document. The analysis is structured around your intent, not a generic checklist.
Your landlord used a solicitor. You have 48 hours to sign a 12-page lease. SecondLayer tells you what to push back on before you hand over the deposit.
Non-competes, IP clauses, discretionary bonuses — they're in there, on page 12. Know what you're agreeing to before you sign and celebrate.
Who owns what you build? What's the kill fee? Your client's contract was written for them, not you. SecondLayer reads it before you start the work.
The policy reads like protection. The exclusions tell a different story. Know what you're actually covered for before you need to make a claim.
Home, car, health, travel, and business insurance. Exclusions, claim notification requirements, underinsurance risks, and automatic renewal traps.
Non-compete clauses, IP ownership, notice periods, termination conditions, bonus terms, and restrictive covenants that limit your options after you leave.
Service contracts, supplier agreements, licensing terms. Liability exposure, auto-renewal traps, IP transfer, and payment penalty clauses.
Any agreement with written terms. One-sided obligations, disproportionate penalties, unilateral variation rights, and missing standard protections.
Drop a PDF, paste the text, or submit a URL. Works with any document format.
Choose what you want to know — what's covered, what could void it, what renews automatically, what IP you're giving away. Up to 3 focus areas, or describe your specific concern.
Red flags, risk areas, unclear terms, coverage gaps, and safe clauses — each with the exact clause text that triggered the finding. Overview and intent findings are free. Full results unlock with PPU or Personal plan.
High-risk clauses that could significantly affect your position. Requires attention before signing or renewing.
Clauses that create meaningful risk — worth understanding even if they're not critical.
Ambiguous language that could be interpreted against you in a dispute. Explained in plain English.
What's missing that you'd reasonably expect to be included in a document of this type.
Clauses that are standard, balanced, or work in your favour. So you know what you can rely on.
Specific things to do, ask, or negotiate — prioritised by impact.
Overview and intent findings are always free. Full results — red flags, risk areas, gaps, actions, and summary — are unlocked with PPU or a Personal subscription.
One-time unlock for a single analysis. No subscription required. Full results for one document.
Unlimited analyses. Best value for regular use or reviewing multiple documents. Annual saves 38%.
SecondLayer analyses document content and surfaces information to help you understand what your document says. This is not legal, financial, or insurance advice. Always consult a qualified solicitor, financial advisor, or insurance broker before making decisions based on any document analysis.
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Upload any policy or agreement and get a full analysis in under a minute. Overview and intent findings are free.
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