Defining coverages in the new line of business

After you define the basic policy line objects, you must determine where to attach coverages. PolicyCenter defines a coverage as a protection from a specific risk. Coverage entities implement the Coverage interface. A coverage always attaches to a Coverable. A coverable is the covered object, such as a building or a car. For liability coverages, the coverable is the insured. As you create the model for liability coverages, the policy line usually is designated as the coverable that represents the insured. In some cases, coverages attach to jurisdictions. Property coverages attach to a specific coverable object, such as a vehicle, building, or dwelling.

The following illustration shows a liability line with one covered object. Line coverages, usually liability coverages, attach directly to the line. Object, or property, coverages attach to the covered object.

Some coverages are location based as shown in the following illustration. That is, they apply to all the buildings or vehicles at a specific location. In that case, one approach is to create a new location entity as a coverable. In this example, the new location entity is a subtype of PolicyLocation. The PolicyLocation entity is not a coverable.

The following illustration shows the basic model for the Golf Cart line used in this example.