Commercial property object model

This section describes the objects or entities associated with the commercial property line of business.

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 of the commercial property object model shows how some of the key entities relate to each other.

Line entity

The CommercialPropertyLine entity is an entity subtype of PolicyLine. This entity has an array of CPLocation entities.

The commercial property line delegates to Coverable, so you can add coverages to the line. In the default configuration, there are no line-level coverages defined. However, if you add line-level coverages, the CommercialPropertyLine entity has arrays for CommercialPropertyCov, CommercialPropertyExcl, and CommercialPropertyCond that you can use.

The commercial property line delegates to Modifiable, so you can add modifiers to the line. The CommercialPropertyLine entity has an array of CPModifier entities.

Location entity

The CPLocation entity identifies a location on the line through a foreign key reference to a PolicyLocation entity. The CPLocation entity delegates to Coverable, so you can add coverages to it. In the default configuration, no location-level coverages are defined. The PrincipalOpsDesc field is a text field for describing the principal types of operations and occupancy that occur at this location. The CPLocation entity has an array of CPBuilding entities.

Building entity

The CPBuilding entity identifies a building at a location through a foreign key reference to a Building entity. The CPBuilding entity delegates to Coverable, so you can add coverages to it. The default configuration defines a number of building coverage types. The CPBuilding entity has an array key to CPBuildingCov entities. The CPBuilding entity has an array key to CPBldgAddlInterest entities.

Coverage entities

There are several coverage entities that define the types of coverage terms that can be assigned for the commercial property line. The CommercialPropertyCov and CPLocationCov entities are for line-level and location-level coverages, respectively, and are placeholders for customization. The CPBuildingCov is for building-level coverages. The CPBuildingCov entity is for coverages that apply to CPBuildings.

The following coverages are provided in the default configuration:

Coverage	Description
Building Coverage	This coverage provides insurance for the building structure itself. This is a suggested coverage that is not available if the coverage form is condominium unit-owners.
Business Income Coverage	This coverage is a suggested coverage that provides protection for business income. This coverage is not available if the coverage form is Condominium Association.
Business Personal Property Coverage	This coverage provides insurance for the following types of property that are located in the building or close to the building: Stock Machinery & Equipment Fixtures, improvements and alterations Tenants Betterments and Improvements Property of Others This is a suggested coverage that is not available if the coverage form is condominium unit-owners.
Business Personal Property - Separation of Coverage (Stock) Coverage	This coverage enables the insured to choose different coverage terms for certain items in their stock. The insured may choose this coverage if they have stock that is of higher value than the rest of their business personal property. For example, a company that sells computer chips will want to insure computer chips at a higher limit than other types of business personal property. This is a suggested coverage that is not available if the coverage form is condominium unit-owners or condominium association.
Extra Expense Coverage	This coverage provides insurance against extra expenses. It is a suggested coverage.

Modifier entity

The CPModifier entity represents modifiers on the commercial property policy line. In the default configuration, the commercial property line has a single modifier defined, CPScheduleCredits.

You can view and configure this modifier in Product Designer in the Commercial Property Line policy line. Go to the Modifiers page, then click the Schedule Rates modifier. Go to the Rate Factors page. You can define schedule rates for a modifier on this page. Schedule rates define the credits and debits to apply when calculating the quote. For the CPScheduleCredits modifier, the total value of the schedule rates must be between -0.25 and 0.25. The following tables lists schedule rates with minimum and maximum values:

Modifier	Value
Building features	-0.05 to 0.05
Employees	-0.03 to 0.03
Management	-0.08 to 0.08
Premises and equipment	-0.05 to 0.05
Protection	-0.02 to 0.02
Risk elements not addressed in classification plan	-0.12 to 0.12

Blanket entities

The following diagram shows how the blanket coverage entities relate to each other in the commercial property line. The diagram shows the delegates for the CPBlanket and CPBlanketCov entities. The diagram does not show the delegates for other entities.

The CommercialPropertyLine entity has an array key to the CPBlanket entity. The CPBlanketAutoNumberSequence property is a foreign key to the AutoNumberSequence entity. This property is used to auto-number the blankets.

The CPBlanket entity is the main entity for blanket coverage. This entity delegates to EffDated and Coverable. It has array keys to CPBlanketCov and CPBuildingCov. The CPBlanket entity has a foreign key to the CPLocation entity. This foreign key is null if there are multiple locations.

The CPBlanket entity has three arrays to CPBuildingCov entities:

BuildingCoverages – Retrieves coverages that are currently included in a blanket.
BuildingCoveragesByBlanketType – Retrieves all the coverages that can be included on the current blanket. If the blanket covers a single location, this retrieves coverages based on group type and location. If the blanket is a single coverage, this retrieves coverages by coverage type.
MatchingBuildingCoverages – Is the same as BuildingCoverages except that it can be different momentarily when the user is changing a blanket. When that occurs, the removeNonMatchingCoverages method on CPBlanketEnhancement compares the two arrays to determine what to add or remove.

The CPBlanketCov entity delegates to Coverage and EffDated.