Adding rating overrides to a line of business

In the default configuration, rating overrides are provided in the Workers’ Compensation, Inland Marine, and Commercial Property lines of business. Follow these steps to add rating overrides to a new or existing line of business.

Enable Override Rating button

About this task

Enable the Override Rating button on the Quote screen. The visibility of this button is controlled in part by a policy line Boolean property called SupportsRatingOverrides. The default implementation in PolicyLineMethodsDefaultImpl.gs returns false. In the LOBPolicyLineMethods class, override the property to return true.

Procedure

  1. In Studio, open gw.lob.lob.LOBPolicyLineMethods.gs, where lob is the abbreviation for the line of business.
  2. Add the following code to override the SupportsRatingOverrides property. Set the value to true. (Or modify the code if it already exists.) 
    override property get SupportsRatingOverrides() : boolean {
  return true
}

What to do next

You can now Create panel set for rating overrides.

Create panel set for rating overrides

Before you begin

Enable Override Rating button

About this task

To do rating overrides, you must create a screen for viewing and editing overrides in the line of business. Follow these steps to create a panel set for a Rating Overrides screen.

Procedure

  1. In Studio, navigate to configuration > config > Page Configuration > pcf > line > LOB.
  2. Right-click the LOB and select New > PCF Folder.
  3. In the dialog box, enter ratingoverride in Folder Name. Click OK.
  4. Right-click the ratingoverride folder and select New > PCF File.
  5. In File name, enter RatingOverride. In the File type list, select Panel Set. In the Mode text box, enter LOBLine. Click OK.
    Studio creates a PCF file named RatingOverridePanelSet.LOBLine in the ratingoverride folder.
  6. Design the layout of the panel set.

    You can base this panel set on the Rating Overrides screens from one of the policy lines that provides rating overrides. In these lines of business, only the cost fields with names that begin with Override are editable, and then only if the individual cost row is flagged as Overridable. The Actual and Standard fields are always read-only.

What to do next

Update the rating engine to handle overrides

Update the rating engine to handle overrides

Before you begin, you must Create panel set for rating overrides.

Modify your rating engine to handle overrides in the policy line. This topic provides general guidance on how to modify the rating engine provided in the default configuration.

The user adds overrides in the Rating Overrides screen. PolicyCenter passes the costs, which contain the current values of the override fields, to the rating engine. It is up to the rating engine to check whether there is an override, and then use it in the calculation of the new cost. For example, if a term amount is overridden, then the rating engine skips the calculation of the basis and rate, and simply sets this term amount on the cost. The rating engine uses that amount for later rating steps (such as calculating a subtotal for taxes).

The CostDataWithOverrideSupport class provides methods for handling costs that can be overridden. This class provides methods to which you provide the standard rate or term amount, and the method calculates the actual amount, applying overrides, if any. If you use methods in this class, your rating code can be almost as simple for a line that supports premium overrides as it is for a line that does not.