Defining exclusions in a policy line

Exclusions define causes of loss that are explicitly not covered by the policy, so that the insurer has no exposure to claims in those areas. PolicyCenter supports exclusions in the following ways:

Boolean values at the policy line level – The majority of exclusions exclude something from the policy line. As with coverages, each exclusion of this type can have its own terms, availability, and offerings.
You use Product Designer to add policy line-level exclusion patterns in the same way you add coverage patterns. For instructions, see Coverages on a policy line.
Schedules of excluded items – Exclusions can be lists of excluded items that get included on a schedule form.
An example of this type of exclusion can be seen in the base workers’ compensation line. The WC Options screen displays a list of excluded workplaces. The excluded workplace is a separate entity with a few fields defined, and the policy line has an array of these entities. This type of exclusion requires custom configuration and need not be included in the product model.
Restrictions on a particular coverage – Some exclusions are related to a particular coverage and optionally exclude items from that coverage.
You can model these exclusions as coverage terms in the product model. The base personal auto line has an example of this type of exclusion. The PIP - NY coverage has a typelist coverage term for Exclude Medical that enables you to optionally exclude medical coverage from personal injury protection in New York.

Adding exclusions

Adding exclusions to a policy line is similar to adding coverages. However, in most cases, exclusions are not rated, so they do not have associated cost subtypes. To add exclusions to a line of business, follow the same steps that you would follow for a coverage but omit costs. For instructions, see Coverages on a policy line.

Exclusions and schedules

Schedules are lists that contain detailed information about an insured’s coverables. Any exclusion can be configured to have one or more schedules to collect information about individual excluded items. Schedules can be configured to display any number of columns to collect the needed information.