Authority profiles

Authority profiles determine the types of underwriting issues that a user can approve. You can assign authority profiles to users. You can assign each user to one or more authority profiles. Each authority profile contains one or more authority grants which grant levels of approval, often for a specific underwriting issue and within certain limits. Authority grants are similar to physical letters of authority.

Each authority grant is based on an issue type defined in the underwriting rules. The authority grant can specify the values which need additional approval.

See also

Example

The following diagram shows two users with different authority profiles. User awhite has an Agent 1 authority profile. User aapplegate has two authority profiles which each contain a different default value for the high-value vehicle grant. With authority grants that have numeric comparators, the grant with more risk takes priority. Therefore, aapplegate has the authority to approve a high value vehicle of any value. This user also has an authority grant for garage jurisdiction not NY or NJ and another for garage jurisdiction NY. With authority grants for sets, the grants are additive. Therefore, aapplegate can approve vehicles for all garage jurisdictions except NJ.



The base application defines the samples authority profiles. You define authority profiles in the Administration tab of PolicyCenter. Authority profiles contain authority grants. Authority grants are associated with a particular underwriting issue type as defined by the underwriting rules.

Agent 1 example

In the base configuration, the Agent 1 profile has the following authority grants for personal auto policies:

  • The collision deductible is at least $1000. A user with the Agent 1 profile cannot approve a deductible less than this.
  • The comprehensive deductible must be at least $500. A user with the Agent 1 profile cannot approve a deductible less than this.
  • Can approve the Garage State underwriting issue if the jurisdiction of garaging is California, Oregon, or Washington. Any other jurisdiction triggers a Garage states underwriting issue.
  • The total premium can be $200 at most. A user with the Agent 1 profile cannot approve a total premium greater than this amount.