Businessowners object model

This topic describes the object model for the businessowners line.

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 object model diagram shows the main entities for the businessowners line.

The object model diagram shows the relationships between the various entities associated with businessowners policies. The PolicyLine entity contains subtypes for each line of business. One of these is BusinessOwnersLine.

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

Coverages

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. There are two types of coverages: property and liability. For example, a businessowners policy provides coverage for buildings owned or leased by the business.

In the base configuration, the businessowners policy line contains the following types of coverages:

Coverage type	Attaches to	Description
`BusinessOwnersCov`	`BusinessOwnersLine`	Coverage choices that apply to the entire policy, such as `Policywide Property Deductible`.
`BOPLocationCov`	`BOPLocation`	Coverage choices that apply to a location, such as `Money and Securities Cov`.
`BOPBuildingCov`	`BOPBuilding`	Coverage choices that apply to a building, such as `Building Coverage`.

Modifiers

A modifier is a value used by the rating engine to adjust the policy premium or some portion of the premium. A modifier captures information relevant to the pricing of a policy that is not necessarily tied to a specific coverable or coverage. The businessowners line has the following modifier:

Modifier type	Applies to	Description
`BOPModifier`	`BusinessOwnersLine`	A modifier of the policy line. In the default application, there is one modifier called `Schedule Credit`. This modifier contains an array of rate factors such as building features, employees, management, premises and equipment, protection, and risk elements not addressed in the classification plan.

Modifier type

Applies to

Description

BOPModifier

BusinessOwnersLine

A modifier of the policy line.

In the default application, there is one modifier called Schedule Credit. This modifier contains an array of rate factors such as building features, employees, management, premises and equipment, protection, and risk elements not addressed in the classification plan.