Commercial auto object model

This topic describes the object model for the commercial auto 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 commercial auto line.



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

Note: This diagram shows a partial listing of entities in the commercial auto line. For the complete list of entities and properties, see the Data Dictionary. Be aware that the Commercial Auto line of business was originally named Business Auto. Therefore, entity, method, and property names, as well as other internal PolicyCenter designations, use the prefix BusinessAuto or BA.

See also

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.

In the default configuration, the commercial auto policy line contains the following types of coverages:

Coverage type

Attaches to

Description

BusinessAutoCov

BusinessAutoLine

Coverage choices that apply to the entire policy.

BAStateCov

BAJurisdiction

Coverages that apply to jurisdictions. This coverage has one subtype:

  • BAHiredSpecPerilCov

BusinessVehicleCov

BusinessVehicle

Coverages for vehicles. This coverage has one subtype:

  • BASpecCausesLossCov

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. In the commercial auto line, the BAModifier entity represents modifiers for this policy line.

Locations

The commercial auto line does not define its own entity for locations. Instead, the BusinessVehicle entity has a foreign key that points to a PolicyLocation entity which is the garage location of the vehicle. The TerritoryCode on PolicyLocation is used for rating.

Drivers

The CommercialDriver entity is accessed through an array from BusinessAutoLine. The CommercialDriver entity represents a driver on the policy. In commercial auto, drivers are not contacts on the account. Therefore, unlike personal auto, the CommercialDriver entity is not a subtype of the Contact entity.

Jurisdictions

The BAJurisdiction entity is accessed through an array from BusinessAutoLine. The State field is a typekey to the jurisdiction that is covered. The BAJurisdiction entity has an array to access the coverages for the jurisdiction.