Separate Collection

Use Separate Collection for charges that are collected separately by the billing system. For example, bill each location on a policy separately. In the examples presented here, a family has a cell phone policy, and each family member has a cell phone. They have agreed that each family member is responsible for paying the charges for their cell phone. In their policy, Separate Collection is Yes on the Cell Phone risk object.

On the Policy Premium tab of the Quote screen in a submission, all charges for separate collection by billing are left-aligned in the Charge Type column. You may need to increase the column width to see the alignment. The column displays the Debt Type of the charge. The debt type is usually Premium, inc. Tax, but can also be Premium or another value. See Debt Type.

On the Pricing screen, you can set Separate Collection on:

Risk objects
Coverages
Coverage costs
Other costs

The following examples use a submission with a Cell Phone risk object with a Loss of Phone coverage. The submission has an Apple and a Samsung phone. Both cell phones have the same rates. The Basis of both phones is 1000.

Note: The Rate column appears in the Pricing screen in a submission or other policy transaction.

Separate collection on risk object

Payment for each cell phone on the policy is collected separately by the billing system.

If you have separate collection on a risk object, a separate left-aligned line item for the Premium, inc. Tax for each instance of that risk object appears on the Policy Premium tab. Premium, inc. Tax is a Debt Type. Below this line item, the individual charges for the risk object are right-aligned.

For each instance of the risk object, the costs of the same charge type are rolled up as specified in Itemized for Billing. In this example, Itemized for Billing is always No.

Policy Premium Charge Type	Description	Settlement Amount
Premium, inc. Tax	Cell Phone: Apple	$111.00
Standard premium		$110.00
Tax or surcharge		$1.00
Premium, inc. Tax	Cell Phone: Samsung	$111.00
Standard premium		$110.00
Tax or surcharge		$1.00

The Pricing screen has the following information related to Separate Collection. Separate Collection is No on this screen.

Pricing
Risk Objects
Cell Phone: Samsung
Cell Phone: Apple
Other Costs
Name	Cost Type	Itemized for Billing	Debt Type	Separate Collection	Basis Attribute	Rate	Per

The Risk Object Pricing screen for cell phones has the following information related to Separate Collection, which is Yes for the Cell Phone risk object:

Risk Object Pricing
Cell Phone: `Name`
Itemized for Billing	No		Separate Collection	Yes
Coverage Costs
Name	Cost Type	Itemized for Billing	Debt Type	Separate Collection	Basis Attribute	Basis	Rate	Per
Loss of Phone		No		No
Premium	Standard premium	No	Premium, inc. Tax	No	Cell Phone: Price when new	1000	0.1	Per Unit
GST	Tax or surcharge	No	Premium, inc. Tax	No	<prior costs>		0.01	Per Unit
Other Costs
Premium	Standard premium	No	Premium, inc. Tax	No	Price when new	1000	0.01	Per Unit

Separate collection on costs

You can specify that a cost is collected separately by the billing system. If a cost is marked for Separate Collection, then the charges for that cost appear left-aligned as a separate item charge for collection on the Policy Premium tab.

In this example, only the premium on Loss of Phone coverage is collected separately. Cell Phone charges are not collected separately. On the Policy Premium tab, the premium charges for each phone are left-aligned. All other charges are summed into the $22.00 Premium, inc. Tax.

Policy Premium Charge Type	Description	Settlement Amount
Premium, inc. Tax		$22.00
Standard premium		$20.00
Tax or surcharge		$2.00
Premium, inc. Tax	Cell Phone: Apple \| Loss of Phone \| Premium	$100.00
Premium, inc. Tax	Cell Phone: Samsung \| Loss of Phone \| Premium	$100.00

The Risk Object Pricing popup has Separate Collection set on the Premium cost on Loss of Phone:

Risk Object Pricing Cell Phone: `Name`
Itemized for Billing		No		Separate Collection	No
Coverage Costs
Name	Cost Type	Itemized for Billing	Debt Type	Separate Collection	Basis Attribute	Basis	Rate	Per
Loss of Phone		No		No
Premium	Standard premium	No	Premium, inc. Tax	Yes	Cell Phone: Price when new	1000	0.1	Per Unit

Multiple debt types

In addition to Premium, inc. Tax, a policy may have other debt types. Each debt type is a separate collection charge for the billing system. In this example that has a single cell phone, the cell phone has a non-standard premium that is collected separately.

On the Policy Premium tab, the Premium and Premium, inc. Tax charges are left-aligned.

Policy Premium Charge Type	Description	Settlement Amount
Premium	Cell Phone: Samsung\|Non-standard Premium	$10.00
Premium, inc. Tax		$101.00
Standard premium		$100.00
Tax or surcharge		$1.00

The Risk Object Pricing popup has Separate Collection on the Non-standard Premium cost on the phone:

Risk Object Pricing Cell Phone: Samsung
Itemized for Billing		No		Separate Collection	No
Other Costs
Non-standard Premium	Non-standard Premium	No	Premium	Yes	Price when new	1000	0.01	Per Unit