Workers’ compensation object model

PolicyCenter provides a data model with entities or objects tailored to a particular line of business rather than a generic data model for all lines of business. Because PolicyCenter tailors entities to the line of business, they are easy to understand and work with. The coverage data objects for a line exist in their own database table, so you can make a change to one line of business without affecting the other lines.

The following diagram shows the objects, or entities, of the workers’ compensation business line and relationships between these entities.

One-to-many entity relationships on WorkersCompLine

The the WorkersCompLine entity has a one-to-many relationship to:

`WCCoveredEmployeeBase`	`WCJurisdiction`
`WCCoveredEmployee`	`WCExcludedWorkplace`
`WCFedCoveredEmployee`	`WCAircraftSeat`
`WCWaiverOfSubrogration`	`InclusionPerson`
`WorkersCompCov`

Foreign keys on WorkersCompLine

The following diagram shows WorkersCompLine entity and some of its foreign keys to other entities.

Note: This diagram shows a partial listing of entities in the workers’ compensation line. For the complete list of entities and properties, see the Data Dictionary.

Coverage entities

PolicyCenter defines a coverage as a protection from a specific risk. A coverage entity must implement the Coverage interface. Coverages always attach to a coverable. While there are two types of coverages: property and liability, workers’ compensation has only liability coverage. For example, on a workers’ compensation policy, a liability coverage protects the worker for injury received on the job.

In the base configuration, the workers’ compensation policy line contains the following types of coverages:

Coverage type	Attaches to	Description
`WCStateCov`	`WCJurisdiction`	Coverage choices for a particular jurisdiction.
`WorkersCompCov`	`WorkerCompLine`	Coverage choices that are not jurisdiction-based.

Modifier entity

In workers’ compensation, a modifier is a value used by the rating engine to adjust the policy premium or some portion of the premium. Modifiers capture information relevant to the pricing of a policy that are not necessarily tied to a specific coverable or coverage. In workers’ compensation, there is the following modifier type:

Modifier type	Applies to	Description
`WCModifier`	`WCJurisdiction`	A modifier on the jurisdiction. Multi-policy discount or no-loss discount.

To learn more about how costs work in the workers’ compensation line, see Quoting and rating.

Employee entities

The following diagram shows entities related to employees in workers’ compensation. PolicyCenter represents each employee class by a WCCoveredEmployeeBase, a WCCoveredEmployee, or a WCFedCoveredEmployee entity. The WCCoveredEmployee subtype has an array key that allows you to get to WCCovEmpCost. The WCFedCoveredEmployee subtype allows you to add a RailroadOrVessel name for Federal Liability Program I.

Note: This diagram shows a partial listing of entities in the workers’ compensation line. For the complete list of entities and properties, see the Data Dictionary.

Jurisdiction entity

In workers’ compensation, the WCJurisdiction entity maps to a covered jurisdiction. The State property is a type key to the jurisdiction. Other properties store the effective and expiration dates and, if the period is sliced, the slice date. The WCJurisdiction entity allows you to access coverages and rating information associated with the jurisdiction. The following diagram shows some of these entities.

Note: This diagram shows a partial listing of entities in the workers’ compensation line. For the complete list of entities and properties, see the Data Dictionary.

Retrospective rating plan entity

In workers’ compensation, the WCRetrospectiveRatingPlan entity is used for rating the policy. The following diagram shows objects related to retrospective rating plans.

Note: This diagram shows a partial listing of entities in the workers’ compensation line. For the complete list of entities and properties, see the Data Dictionary.