Date: November 2014

Property and Casualty Data Model

Version 1.0

OMG Document Number: formal/2014-11-01

Standard document URL: http://www.omg.org/spec/PC/1.0/PDF
Machine Consumable Files:
Normative: http://www.omg.org/spec/PC/20130501/LogicalDataModel.xmi
http://www.omg.org/spec/PC/20130501/LogicalDataModel.erwin
http://www.omg.org/spec/PC/20130501/PhysicalDataModel.erwin

Additional Documents:
Informative: http://www.omg.org/spec/PC/1.0/Glossary
http://www.omg.org/spec/PC/1.0/ConceptualDataModel
http://www.omg.org/spec/DataModel.html.zip
http://www.omg.org/spec/PC/1.0/LogicalDataModel.xls
http://www.omg.org/spec/PC/1.0/PhysicalDataModel.xls
Copyright © 2013, ACE Insurance Group
Copyright © 2013, Cindy Maike Associates
Copyright © 2013, CSC Corporation
Copyright © 2013, CTS Consulting
Copyright © 2013, Gail Austin Associates
Copyright © 2013, Garza Data Consulting
Copyright © 2013, Harleysville Insurance Group
Copyright © 2013, IBM Corporation
Copyright © 2013, LiquidHub
Copyright © 2013, Mark Gorman & Associates
Copyright © 1997-2014, Object Management Group
Copyright © 2013, Penn National Insurance
Copyright © 2013, TCS
Copyright © 2013, 21st Century Insurance

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Table of Contents

Preface ........................................................................................................... iii

1 Scope .......................................................................................................... 1
2 Conformance ............................................................................................... 1
3 Normative References ................................................................................ 2
4 Terms and Definitions ................................................................................ 2
5 Additional Information ................................................................................ 3
5.1 Acknowledgments ............................................................................................... 3
5.2 Changes or Extensions to Existing OMG Specifications .................................... 4
6 Data Model Guidelines and Standards ..................................................... 5
6.1 Purpose of Data Models ..................................................................................... 5
6.2 Types of Data Models ......................................................................................... 5
6.3 Naming Practices ................................................................................................ 7
6.4 Data Model Definition Practices .......................................................................... 7
6.5 Data Model Object Definition Practices .............................................................. 9
6.6 Standard Abbreviations ..................................................................................... 13
6.7 How to Read a Logical Data Model .................................................................. 15
7 P & C Data Model for Property and Casualty Insurance ....................... 21
7.1 General ............................................................................................................. 21
7.2 Conceptual Data Models ................................................................................... 21
7.3 Party Subject Area Model ................................................................................. 23
7.4 Account and Agreement Subject Area Model ................................................... 24
7.5 Policy Subject Area Model ................................................................................ 25
7.6 Claim Subject Area Model ................................................................................ 26
7.7 Assessment Subject Area Model ...................................................................... 27
7.8 Agreement Role Subject Area Model ................................................................ 28
7.9 Claim Role Subject Area Model ........................................................................ 29
7.10 Staffing Role Subject Area Model ................................................................... 30
7.11 Party Subtype Subject Area Model ................................................................. 31
7.12 Insurable Object Subtype Subject Area Model ............................................... 32
7.13 Money Subtype Subject Area Model ............................................................... 33
7.14 Event Subtype Subject Area Model ................................................................ 34
7.15 Product Coverage Reference Subject Area Model ......................................... 35
8 Glossary of Data Model Terms and Definitions ..................................... 37
8.1 General ............................................................................................................. 37
8.2 Subject Area Definitions .................................................................................... 37

Property and Casualty Data Model, v1.0 i

 8.3 Entity Definitions ............................................................................................... 39
8.4 Attribute Definitions ........................................................................................... 53
8.5 Relationship Definitions ..................................................................................... 64
8.6 Domain Definitions ............................................................................................ 76
8.7 Model/Term Cross Reference ........................................................................... 87
8.7.1 Subject Area Entities ................................................................................................... 87
8.7.2 Entity Attributes ......................................................................................................... 112
8.8 Business Terms Reference Glossary .............................................................. 132

ii Property and Casualty Data Model, v1.0

Preface

About the Object Management Group

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Property and Casualty Data Model, V1.0 iii

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iv Property and Casualty Data Model, V1.0

1 Scope
This specification addresses the data management needs of the Property and Casualty (P&C) insurance community. This
specification uses OMG’s Model Driven Architecture principles and related standards (http://www.omg.org/mda/). Also, this
specification uses existing P&C industry standards (e.g., IBM’s IAA) as a source for the P&C Business Glossary and
associated models.

The scope for this initiative includes the U.S.P&C marketplace data for the core Party, Policy, and Claims Subject Areas.
Additional data models have been included to sub-types and roles and to further describe the major entity concepts of
Accounts and Agreements, Assessments, Events, and Money.

This specification does not include initial submission models incorporating billing, agency, reinsurance, or other functions
within the insurance value chain. These are to be addressed in a subsequent OMG specification.

2 Conformance
Many organizations of varying types may desire to use the P&C Data Model in varying ways. We encourage all interested
organizations (carriers, vendors, consultancies, agencies, etc.) to explore ways to use this model to its best advantage.
However, for an organization to be considered to have implemented this model in conformance with the OMG standard, the
following conceptual major data entities must be implemented exactly as represented in this document. All other entities can
be extended or collapsed as the organization’s needs dictate.

Major Property and Casualty Data Model Entities:

• Account
• Activity
• Agreement
• Claim
• Communication
• Coverage
• Event
• Geographic Location
• Insurable Object
• Location Address
• Money
• Party
• Policy
• Policy Coverage Detail
• Policy Deductible
• Policy Limit
• Product

Property and Casualty Data Model, v1.0 1

3 Normative References
The following normative documents contain provisions which, through reference in this text, constitute provisions of this
specification. For dated references, subsequent amendments to, or revisions of, any of these publications do not apply.

• Conceptual Data Model

• Logical Data Models:

• OMG Party Subject Area Model
• OMG Account and Agreement Subject Area Model
• OMG Policy Subject Area Model
• OMG Claim Subject Area Model
• OMG Assessment Subject Area Model
• OMG Agreement Role Subject Area Model
• OMG Claim Party Role Subject Area Model
• OMG Staffing Party Role Subject Area Model
• OMG Party Subtype Subject Area Model
• OMG Insurable Object Subtype Subject Area Model
• OMG Money Subtype Subject Area Model
• OMG Event Subtype Subject Area Model
• OMG Product Coverage Reference Subject Area Model

Note: Generation of XMI-CWM (Common Warehouse Metamodel) for interoperability

(see http://www.omg.org/spec/PC/20130501/LogicalDataModel.xmi).

4 Terms and Definitions

As part of this specification a Glossary of Data Model Terms and Definitions generated from the Data Model has been
provided in Clause 8. This clause provides definitions for the following:

• Subject Areas

• Entities

• Attributes

• Relationships

• Domains

Sub clause 8.7 contains cross reference information identifying where in the model the term is used. This sub clause provides
a listing of:

2 Property and Casualty Data Model, v1.0

 • Subject Area Entities

• Entity Attributes

A Reference Glossary of Common Insurance Business Terms and Definitions has been provided in sub clause 8.8.

5 Additional Information
5.1 Acknowledgments
The following companies submitted this specification. The individuals referenced as the contact points are authorized by the
established P&C Work Group to officially state the group’s position relative to the specification, including matters related to
copyright ownership, etc.

Organization Individual

ACE Insurance Group Michael Gallo

Cindy Maike Associates Cindy Maike
CSC Corporation Randy Molnar
CTS Consulting Charlie Schaefer
Gail Austin Associates Gail Austin
Garza Data Consulting Susan Garza
Harleysville Insurance Group Charle Wiberly
IBM Corporation Bruce Wallman
LiquidHub Tom Ford
Allyson Frank
Anne Marie Smith
Mark Gorman & Associates Mark Gorman
Penn National Insurance Bill Jenkins
Kevin Kauffman
Steve Zerby
TCS Dennis Maroney
21st Century Insurance Lisa Cummins
Willy Passerallo

The submitters wish to acknowledge and thank the following organizations and individuals who contributed to the
development of these specifications.

Individual Organization

Richard Affenit Main Street America Group

Paul Ayoub Employers Insurance

Property and Casualty Data Model, v1.0 3

 Donald Chapin Business Semantics
Paul Dolbec Oracle Corp.
Denise Garth Inovation Group
Art Hill Unisys Corp.
Tom King Oracle Corp.
Manfred R. Koethe 888Solutions Corp.
Eric Marzolk Philadelphia Insurance
Pete Rivett Adaptive
Harsh Sharma Citibank
John D. Vale Accenture

5.2 Changes or Extensions to Existing OMG Specifications

There are no changes or extensions required.

4 Property and Casualty Data Model, v1.0

6 Data Model Guidelines and Standards

6.1 Introduction
This clause contains conceptual and logical (to physical) data modeling practices.

6.2 Purpose of Data Models

We develop logical data models because of what data models represent and what they should achieve:

• Business rules about data

• A means of graphically depicting how data can be shared and stored non-redundantly

• A way of defining data requirements in accordance with a set of rules and common methodology

• A picture of the business data that is technology-independent and in business terms

• Means of defining and certifying business data requirements

• Provides the data structure definition for a project

• THE integrator for all data sharing, master data, and data warehouse efforts

• Framework and methodology for managing data integrity

• Specification for the meaning of the data elements, structures, relationships, technical names, and data types

• Basis for database design

6.3 Types of Data Models

Business or Conceptual Data Model

A conceptual data model is a high-level data model identifying major entities and relationships of importance to the business.
It does not resolve “many-to-many relationships, may not contain any attributes, and may not be “normalized.” It is like a
roadmap to more detailed logical models and enables all users of detail models to quickly grasp the scope, terminology, and
concepts used in the model.

Logical Data Model

A logical data model contains the full definition of the entities, attributes, and relationships needed to satisfy the business and
technical requirements for data within the scope of the effort being undertaken. It represents the business meaning and rules for
the data independent of technical considerations such as software, hardware, or performance.

Physical Data Model

A physical data model should be the physical representation of the logical data model, with any added physical constructs
necessary to build databases. The physical data model defines the tables (from entities), columns (from attributes), and keys,
foreign keys, and constraints (from relationships), and indexes necessary to find and retrieve data.

Property and Casualty Data Model, v1.0 5

A physical data model may also be “reverse engineered” from an existing database in order to describe and understand the
database in a meaningful pictorial representation.

Dimensional Data Model

A dimensional data model is a specialized data model that is designed to facilitate analytics. It has a limited scoped of data
usually focused on a business or client function, and represents the data in “fact” and “dimension” tables. While it is
considered a “physical only” model, the logical version of this with business terms and definitions is the recommended
practice. The kinds of terms, systems, and designs that are associated with dimensional models include data marts, star
schema, snowflake schema, and business intelligence.

Vendor Product Data Models

Vendor products do have underlying data models that should be requested for review if a vendor product is being used to fulfill
a business need. If a vendor product is going to be used, it is highly recommended that at least a conceptual data model (and
ideally a fully attributed logical data model) be constructed to represent the business data requirements. Then the requirements
data model can be compared to the vendor’s data model and a true assessment of the vendor data management can be made.

Enterprise
An enterprise data model is a high level conceptual, and evolutionary logical, data model that represents a concept of all the
major business entities and relationships. It can therefore be used for strategic planning, and for determining the scope,
content, and interrelationships of specific tactical solutions.

An enterprise data model does not take three years to develop, as was the case with previous efforts. It can be done with a
group of business people over the course of a month on a part-time basis. It is highly recommended as a roadmap for
information excellence.

Operational
Operational data models are designed to support operational systems that usually have specific and relatively stable
requirements if the scope is properly defined. These are usually event or transaction systems handling high volumes. A
detailed relational model with a lower level of abstraction is desirable for this type of data model.

Data Warehouse
Data warehouses have continually evolving requirements and can therefore be requirements-generalized. Flexibility is the key,
and therefore a more highly abstracted, highly normalized, relational data model is desirable.

Data Mart
A data mart is an information resource designed to meet the needs of a set of functional reports and analysis. A dimensional
data model is normally used to support these. The dimensions for the mart should come from common data stores (reference or
metadata) and the fact data should come from the relational business data or from derivation rules used in the transformation to
the data mart.

If there is no relational data warehouse to source the data mart, then some operational data store or staging area is needed. The
latter should be modeled and defined as a relational data model.

6.4 Naming Practices

Below are the practices to be followed for all data naming needs. This includes all data model objects and metadata formats.

6 Property and Casualty Data Model, v1.0

 1. Generally speaking, there are “business names” and “technical names” for data objects.
• Business names are used in all conceptual and logical level objects.
• Technical names are used only for physical objects and are generated by algorithm from the corresponding logical
object (when there is one).

2. Business names are fully spelled out English names with no delimiters and are Title Case (e.g., “Transaction Effective
Date”).

3. Technical names can be of 2 types:

• Abbreviated names for any technology that does not permit full names of at least 80 characters throughout.
Abbreviation standards are further discussed below.
• Composite English Names with no spaces (e.g., “TransactionEffectiveDate”).

4. Name is always singular.

5. Names are nouns and adjectives and do not (usually) contain possessives, articles, conjunctions, verbs, or
prepositions.
• Do not use organization names, business process names, or project names when naming data objects. These are
subject to change and the need for data usually outlives organization and process.
• Use names that have general business context and meaning and, if necessary, use generic business function names
for context.

6. The terms to be used for data names are the commonly-used, understood, and simple business names. Every business
word that is used should be defined in a business “glossary of terms” and every term must be defined with all
business interpretation variations explained. The terms should be considered in view of the entire enterprise and not
just that of a single company or department.

7. When business names are used very inconsistently or if there is no common business term to describe what is needed,
a new term can be defined. If this is done, a glossary of terms and the data element definition must clearly explain the
term.

6.5 Data Model Definition Practices

This sub clause provides the standards and guidelines for defining data models. These practices apply to all model types and to
all methodologies.

1. Model Template Usage

• These standards are used to define data model templates in the data modeling tool, and that assists in using the
standard practices.
2. Model Naming
• Models are ideally named for what they are intended to represent and serve, such as business function, and not for
the project acronym or name.
• Models have a complete definition that defines their scope and intent.
• Model Names adhere to all the above standards and also include:
• Versions of models must be maintained as part of the name – see below

Property and Casualty Data Model, v1.0 7

 3. Subject Area Definition
• Subject Areas are usually business subjects that help to keep like objects together.
• Generally, there should be no more than 15 to 20 entities in a subject area.
• The above being impossible sometimes, there can be one conceptual type model for a subject area and multiple
sub-models within the major Subject Areas.
• It is very important to show how entities outside the Subject Area are related to each Subject Area. This is shown
as the Conceptual model and each Logical model subject area should show the connecting entity to adjacent
subject areas.
• There should be no unconnected objects within a subject area.

4. Model Diagram Types and Naming

• Model Diagrams are what they say – layouts of models. Because conceptual, logical, and physical models use
varying “real estate,” it is better to maintain various layouts for these. Also, maintaining a layout for entity
definition only versus a fully attributed model layout will provide ease of publication and maintenance. So,
common model diagram labels will be:
• Conceptual
• Entity
• Logical
• Physical
• Dimensional

5. Conceptual Data Model

• These should be used to demonstrate the business meaning of the model and the scope, depth, and breadth of the
model that provide business capability.
• The technical correctness of the model is less important than the business “story.”
• Embellish these with extra text, color, and abstractions.
• A high level model should fit on one page or panel.
• Despite the high level, full definition is absolutely essential and this should become part of the project deliverables.
• A good conceptual model speaks to the competence of the developers and inspires confidence of the sponsors and
business partners.
• A conceptual model should always be the beginning “data picture” for any information initiative. This is the basis
of validating initial concepts and requirements.

6. Logical Data Model

• The logical model is a detail representation of the data requirements for the scope of the model.
• All artifacts in the logical data model are fully defined and annotated with examples in the definition.
• See below for practices of defining the subject areas, entities, attributes, domains, and relationships for the logical
(and physical) data models.
• Depending on the application of the model, the logical model may be highly abstracted or not abstracted; it may be
requirements-specific or requirements-generalized; it may be highly normalized vs. lightly normalized; it may be
subject oriented vs. function oriented.

8 Property and Casualty Data Model, v1.0

 7. Dimensional Data Model
• The Dimensional Data Model is a specialized physical data model to facilitate multi-dimensional analysis (OLAP)
in data marts.
• Like other physical data models, this is a technology-specific representation of the logical data model and is
suitable for DBMS and OLAP tool implementation.
• Although often thought of as a physical-only model, the dimensional data model should also emanate directly from
a corresponding logical data model.
• The underlying logical data model should have, as part of its definition, the derivation rules for the generation of
the dimensional schema.

8. Change Management
• Prior to the first official release of each type of model, changes are tracked as needed internally by the project team
to enable effective coordination.
• After a model has been “released” (shown to anyone outside the development group, or used for any testing, etc.),
changes need to be formally tracked.
• Changes should be described and tracked within the data modeling tool and published to the work group and any
other impacted persons and organizations.
• Changes that are made after production implementation need to be incorporated into the life cycle and change
management processes for the enterprise.
• The exact practices for integrating model development and changes into the life cycle management process will be
developed.

9. Retention of History and Changes

• A history of data model changes and rationale can be kept in the data modeling tool.
• Practices for using this capability and integrating this with life cycle management need to be developed.

6.6 Data Model Object Definition Practices

This sub clause provides the norms for defining each of the data model objects. For each of the defined objects, a full business-
oriented definition is needed and is defined in the data model. For major business terms, a reference to a Glossary should be
included.

1. Entity Definition
• An Entity represents a person, organization, place, thing, or concept of interest to the enterprise.
• An Entity can represent a very broad and varied set of instance data, or it can be very specific (e.g., Party vs.
Vendor, Associate, Contact, Customer, etc.). This is referred to as levels of abstraction.
2. Subtype Definition
• Subtypes are very useful for showing the types of data that are represented in a more generic entity. For example,
in the party model, there could be subtypes to show the types of parties that are encompassed and the data that may
be unique to each type of party.
• Subtypes can also show the business rules about which of the subtypes are mutually exclusive vs. overlapping. For
example, an employee may also be a customer, but a vendor and an employee may be mutually exclusive.
• Subtypes may be used in the logical model for the above purpose but not implemented in the physical model.

Property and Casualty Data Model, v1.0 9

 3. Attribute Definition
• Attributes are usually defined within an entity by first naming the logical business keys and identifying them as
such. These become the primary key for the entity.
• Attributes can be named generically within the context of an entity, that is, the Entity Name need not be added to
the Attribute Name, with the possible exception of the primary key. For example, consider the following diagram:

Contact Associate
Contact ID Associate ID
Name Name
Routing Description Routing Description
Phone Number Position ID
E-Mail Address Office Phone Number
Mobile Phone Number
E-Mail Address

• The Attributes above the line are Primary Key attributes (see below). The other attributes are non-identifying
attributes. Name, Routing Description, and E-Mail Address are common to both of them. It is clear that Name in
Contact is the Contact Name and Name in Associate is the Associate Name and it is not necessary to further
qualify it.
4. Data Element Definition
• A data element is a fact of importance to the business, regardless of where it resides or what it is describing. For
example, Country Code is a data element that can be defined outside of the context of any entity. It can and should
have a common and standard set of values that are used by the enterprise. When Country Code is used as an
attribute of a specific company’s location, there would be a small subset of Country values allowed for this
purpose. So there can be common reference entities for data elements and subsets of these for attributes.
• So, an attribute is a description of something and is using a data element in the context of some entity.
• Data elements often surface in data models as “Code” or “Reference” lists or tables, where all the valid values, or
“domains” are specified and described. These may also be managed as “master data.”
5. Domain Definition
• As stated above in Definitions, a domain is a theoretical or actual set of all possible values for an attribute or data
element. The domain may be a set of common code values, a theoretical set of all possible valid Gregorian dates, a
First Name that is standardized at 40 characters regardless of where it is used.
• Domains provide consistency of properties for data elements and attributes that have the same logical “domain” of
values.
• Every attribute in a data model is connected to a domain that provides for consistent names, data types, lengths,
value sets, and validity rules.
• A domain can be thought of at the data element level as a means of conforming all the attribute implementations of
that data element.

6. Class Words for Attributes. Data Elements, Domains

• All attribute and data element (see below) names end in a standard “class word” that identifies the kind of attribute
being defined. Below is a table showing all the class words to be used, with an addendum showing other candidate
class words and the rationale not to be used.

10 Property and Casualty Data Model, v1.0

 • Class Word Abbreviations are also provided. They are used when migrating logical data model items to physical
form. Physical Data models are implemented using Data Base Management System technologies that may limit the
number of characters for names and may not permit full names of at least 80 characters throughout. Class word
abbreviations ensure naming consistency in physical models.
• The rationale for this is not only consistency, but the flexibility of providing for families of data names (such as
Client Name, Client Address, Client Race Code, Client Birth Date, etc.) and the understanding it facilitates (as to
what to expect to find in this data element).
• In the table below, the commonly used business class words are in bold blue, and the less used and technical class
words are in black.

Standard Class Words

Class Word Class Word Definition

Abbreviation
Use for an enumeration of items and in lieu of “Number of.” Is the number of objects
Count CT
or occurrences.
Date DT Full Year, Month, and Day content
Full specification of date and time to the maximum precision (at least nanosecond)
DateTime DTM allowed in the DBMS being used. Do not use for business data - use when system-
assigned time sequence is needed.
Description DSC All descriptive free-form text.
Factor FCTR A multiplier based on unity (1) used to index a base number.
A technical implementation of an indicator that may be used for efficiency. Values
Flag FLG
are 0 or 1 only where 0 = No or Off and 1 = Yes or On.
A sole unique Identity for an object or entity that is independent of every other object
Identifier ID
(can stand on its own to identify an object).
Use only for data that can be defined as Yes, No, or Not Applicable (null). Name
Indicator IND
must specify the meaning of the yes and no.
Use for labels of objects - usually a short, “displayabl” recognition assist.
Name NM
See description for longer text items.
Identifying a relative item that is unique only within another major category, usually
Number NO
an ID; or to state a number that is not a count or quantity, for example Age Number.
A ratio of two base numbers expressed as a percentage. Use term Percent, not
Percent PCT
Percentage, for the business name.
Storing various measures of quantities from very small to very large and with
Quantity QTY
varying degrees of precision, for example, Dispensed Quantity.
Rate RT A multiplier per specified unit, such as Service Unit Daily Rate.
Use for a repeating group of the same data element. For example, Contact Preference
Series SRS Series consists of repeating locality types, such as Home, Office, Roam, Secondary
Residence.

Property and Casualty Data Model, v1.0 11

 Use for a group name of a structured set of data or decomposable taxonomy. For
Set SET example, SIC (Standard Industry Classification) Set where first two positions are
Industry Group and last two are Specific Industry.
Time TM Specifying the hour, minute, and second
Used when cell content can be anything (for example, in a metadata store, defining
Value VLU “Cell Value”). If used, there needs to be an interpretive attribute to describe the
actual data type.

Class Words for Future Use

Potential Class Word Class Word

Data Type Used For
Name Abbreviation
Image IMG Blob, Picture, etc. Use for picture
Sound ADO Sound Wave Use for sound object
Video VDO Video Moving pictures and sound
Combined sound and graphics not limited to the
Multi-Media MM Multi-Media Object
above.

Class Words Not to be Used and Rationale

Potential Class Word Use Instead Rationale

Average Appropriate class word for Use “Average Amount,” “Average Count,” “Average
average Quantity,” etc.
Group Set The term group is used extensively in the healthcare
industry for Employer Groups, Provider Groups, etc. Use
of the term Set will help to maintain distinctions.

Length Count Use “Length Count” with specific metric specified as

qualifier.
Status Code Use “Status Code.” Avoid overuse of status codes.
Title Name Use “Title Name” for the title portion of a name.
Type Code Use “Type Code” or Type ID.
Text Description or Name Not used - use description instead. This is a data type, not
a class word.
Dimension
Volume

12 Property and Casualty Data Model, v1.0

 7. Relationship Definition
• Relationships are the verb or very phrase that link two entities together.
• This is used to form a sentence between the entity that is the “one” side of the relationship and entity that is the
“many” side of the relationship (e.g., An account groups zero, one, or many policies).
• Every relationship in the model must have a defined relationship.
• Relationships can be defined in both directions, but only the one to many is recommended.
• A subtype automatically has a relationship of “is a” (e.g., Party is a Person).

6.7 Standard Abbreviations

1. Abbreviations are used only for physical and dimensional data models (later, some abbreviation norms for display
may provide for abbreviations)

2. Each word is abbreviated by using the initial standard list. This is in a standard naming naming file.

3. All technical names are derived automatically from the standard naming file.

4. The general rules for forming abbreviations for single words are:
• First letter of abbreviation is first letter of word (consonant or vowel).
• Subsequent letters of abbreviation are the consonants of the word.
• Only one of a double consonant is used (e.g., middle=”mdl”).
• A maximum of 5 characters are used to abbreviate a single word.
• The last letter of the abbreviation can be a vowel if that is prominent in the pronunciation of the word (e.g., value =
“vlu”).
• The resulting abbreviation must be unique to one base word.
• Word endings for tense, verb forms, plural (etc.) do not yield separate abbreviations (e.g., Service, Servicing, and
Serviced are all abbreviated as “SRVC.”
5. The general rules for forming abbreviations for object names are:
• Abbreviation is all upper case.
• The word abbreviation components are separated by an underscore or hyphen as the technology in use requires
(e.g., ITM_UNT_PRC).
• The total length of an abbreviated name may be limited by the technology being used. Use the most restrictive
length of all technologies used by an application to determine the maximum length of an abbreviated data name or
standardize at a max of 25.
• For data elements (and some other construct names), the last word is always a “Class Word” and that is never
dropped from the abbreviated name. See above table of class words.
• When length problems occur, proceed to the compound word abbreviation suggestions to shorten the overall
abbreviation.
• When length problems occur, consider whether a word can be omitted from the abbreviation without losing much
meaning or uniqueness.
• Never allow a technical tool to truncate an abbreviated name that is too long - use the alternate suggestions instead
to comprise an abbreviation that has integrity.

Property and Casualty Data Model, v1.0 13

 6. Exceptions to the above are as follows;
• If a common usage abbreviation exists, use it (e.g., Organization = “ORG,” Management =”MGT,” etc.)
• HOWEVER:
• Don’t overdue the overrides to the rules as it will make it more difficult for people to use the standard
abbreviation names.
• Resist the temptation to assume that everyone abbreviates some terms the same way. For example, LOC
may seem obvious for Location until you learn that this is Level of Care in some business world. Go
with the common standard and as people adapt to it, the real names will be more intuitive.
• If the word is very short and the abbreviation could be confusing, use a vowel to distinguish based on the
pronunciation of the word (e.g., Role = “rol,” Rule = “rul” versus both would be “rl” also Date = “dt” because of
common use, while Data is “dat.”
• Multiple Words and Phrases:
• If a common discipline or business acronym applies, use it (e.g., Return on Investment =“ROI”)
• If there are common business phrases or acronyms, then use the acronym or one abbreviation for the
compound term or phrase (e.g., Employer Identification Number =“EIN”; Dun & Bradstreet Number =
“DUNS”).
• As noted in the Business Data Naming, organization names and specific system or process names should not be
used in data names.
• The components of the abbreviated name follow the standards for business naming, and therefore progress from
general to specific. Data elements end with a “class word” and so the abbreviations will follow that pattern.

14 Property and Casualty Data Model, v1.0

6.8 How to Read a Logical Data Model

Property and Casualty Data Model, v1.0 15

16 Property and Casualty Data Model, v1.0
Property and Casualty Data Model, v1.0 17
18 Property and Casualty Data Model, v1.0
Property and Casualty Data Model, v1.0 19
20 Property and Casualty Data Model, v1.0
7 P & C Data Model for Property and Casualty Insurance

7.1 General
These deliverables represent thirteen (13) logical data models for the major lines of Property and Casualty business in the
United States geographic territory, leading off with a conceptual data model to serve as a reference or core model representing
common data entities transcending all or most P&C insurance business processes (e.g., party, claim, geographic location,
insurable object, etc.).

7.2 Conceptual Data Models

As stated in Clause 6, a conceptual data model is a high-level data model that identifies major entities and relationships of
importance to the business. It does not resolve “many-to-many relationships, may not contain any attributes, and may not be
“normalized.” It is like a roadmap to more detailed logical models and enables all users of detail models to quickly grasp the
scope, terminology, and concepts used in the model.

The Property and Casualty Conceptual Data Model below is an example of the above norms. It presents the major objects
(entities) and their relationships and represents the major concepts of the business and of the succeeding Logical Data Model.

The Legend in the model diagram demonstrates the use of color to highlight the major entities and concepts. The major
features of the Conceptual Data Model are:

• Party is a major entity that relates to almost all the other major entities as it defines how people, organizations, and
groups are involved in the insurance and financial services business involving agreements, policies, claims, insurable
objects, etc. With the use of party, many other data requirements can be made common and managed more efficiently.
• The Communication entity permits all contact information and preferences to be established for all types of
parties.
• Geographic Locations can be defined and connected to Party and to other entities.
• “Insurable Objects” can be defined with respect to their interested parties and referenced by multiple agreements.

• Agreement is a focal point for the data model because it is a “Supertype” for all insurance, financial, and service
contracts. Examples of agreements for this initial data model are Policy and Reinsurance Agreement.

• Policy is the major feature for this release of the data model as all the remaining major objects are related to it.
• Policy Coverage Detail is a key link among Policy, Claim, and Reinsurance.
• Claim is tied to Policy through Policy Coverage Detail.
• Policy ties to Coverage and Product.

• Claim is tied to Party, Insurable Object, Policy Coverage Detail, and Reinsurance.

• Money is a common entity at the conceptual level to emphasis the importance of common management of financial
amounts. In the Logical Data Model, Money is defined in Policy Amount and Claim Amount entities.

• Product, Coverage, and Location Address are examples of the “master” reference data that can improve the integrity of
data and which companies can populate with their data.

• Finally, the model is bound together with time management, traceability, and metadata using common constructs for
Event and Activity and additional Reference and Master data.

Property and Casualty Data Model, v1.0 21

 P
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22 Property and Casualty Data Model, v1.0

 23
The Party Subject Area shows that all persons, organizations, and groups can be represented as “parties” and parties can then

communication identifiers, relationships between parties, and legal identifiers. Examples of the use of the party types is also
be related to other major objects with specified roles. The Party design also provides for a common approach to describing

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s i td t i Lnkth hd o s

Pers on
r fs
e sff li ten n e
e r ri au u cr r o s
r f
i M i i s o

shown.
P P F LS FNB B G r e r
e P P
P

7.3
7.4 Account and Agreement Subject Area Model
The Account and Agreement Subject Area presents the common framework for establishing customer-oriented accounts and
company-oriented financial services agreements. Party Role is used to relate all parties to account and agreement, and various
agreement types are identified. Refer to the Agreement Role Subject Area for examples of the roles involved with agreements.

P
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Agreem en t P arty Rol e
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( ) Ac count Agr eem ent

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group s

A
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( ) ( )
A
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Fi nanc ial S ervice ( )

P
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( )

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Fina nci al Advi s er Fi nanc i al A naly s t Acc ount P ro vide r Pros p ec t Cus tom er
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P oli cy
P
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R eins u ra nce Ag re em ent Finan ci al Ac cou nt Agreem en t Group Agreem ent I ndividua l A greem ent
( )
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provides ri sk sharing for

G
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( )

Age ncy Con trac t Com m e rci al A greem ent Deri vati ve Contrac t Com m u tat ion Agreem en t Aut o Re pair Sho p Con tract
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( ) ( ) ( ) ( ) ( )

Brok erage Cont ra ct I nterm e diary Agreem en t Prov ider Agreem en t St aff ing Agreem en t
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( ) ( ) ( ) ( )

24 Property and Casualty Data Model, v1.0

 25
agreement. Common constructs for Geographic Location and Insurable Objects allow for these to be shared above the level of
The Policy Subject Area defines the common features of an insurance policy and shows how they are related to parties and

det ai ls in
a Policy. A common entity for policy monies allows for all types of amounts to be defined at all policy levels.

is wit hi n

K
)

F
K

)
r e
u F
r
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i l
(

i f
i r a n
K etf
i t e Vue o r

(
dn K n i e
( )

F i l t i
)

r
e o e F e
d f
i
t e eal eip f
i
i
f Cd I e n m vV ucr t
n
r i
t enI s mK e a ey l e
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(

N
Ins urabl e Objec t P arty Role

i e po e aF I c Ve
)

f
i y i
f e sss a I
t Ti i r yD
Loc ation Addres s

n K d
I t t d s N e n n era s
ee o o e c s
( )

F a n e d Su n
is s it e of

P hysical Locati on
e K t
c tc
c e e KK d rdr ye
t d o e i
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( )

( )
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(
I F c e eo r o d FF dd l
a d o Cat e c c ua u nc r
uit d
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u f I o o Fa t

us ed by
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Ao

provides technical details for

r
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is fac t ored into

e K
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defines stat utory loc at ion f or

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Poli cy Relati ons hip

t a a a e rI e e
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p b
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o K e n d
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( )
f
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d e I e I
ta D t
a
r t r g cc e C t
n a oe n D p n

(
n
i u e
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f

pric ing determines

y K o i e b g d T p o
e t cD e n y
( )

t F O

Poli cy Am ount
i
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o i e T m
i
b o e ehe B E c
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)

s r
e F K e
i K C I bat
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n y a u

)
Agreem ent Party Role

i f n g c i i
)

f r r
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o i F i
t F o c
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Ke n i l
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o l
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o
s s s
(

s e e

( )
e e d
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(
d e e a e l I I
(

( )
r I C tfi m I
l FK i
f c

( )
y t a i
t D ru i
a F i
t x n
t
r n e
l Dn n e
iN r t n Eo
Ke

pri ci ng det erm ines

a e o ee o f o e e

P ol icy Coverage Detai l

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p m i
t i
t e f D Fod r d nit
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v
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m
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i
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n t ert p dF i g rt n ete s

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Policy Subject Area Model

PP F d g l gg

cont ract is s ued as

s Cv Ia a bai
t aa

s pec ifi es
e yit y r r a rer

s pec ifies
e d
i cc cve e rir e
d v i
l e i
l v u
s p vv
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r
p PE PC C I CC
C
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t
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)
o F K

)
m K

)
i F F

)
t e F

m ajor s ec tions defined i n

p

is defi ned for policy in

e e
r t eK r

(
c r

( )

(
e g r dF e

(
n K r
e a o e i

(
d I A i
f f

( )
r
e o l F i
f
i P Cr i
t i
t
i C a t
n e te n r n
f
i
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Property and Casualty Data Model, v1.0

e p ar i
f I r
e I
l i
t l
i e
d y NO i
t n ee i n a e
I T n K o v gd r a
t e t d d

)
t t t
nt e F i o aI e e d e o
t n n n d t C r y i
f D K I D Ko C
e e ee a FC

( )
n I
t c y e
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t Fe e e
l e sue
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(
m e e ee u e
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P olicy Deduc tible

f b o t a ey aa

defi nes market s pac e of

e e e ere d i tD
a ec o CP d a e
to c

(
e r r r o t
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e a C C u r
e tT
a BV
g g g g r e Dn o t
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c
c
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to L y y i
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l l exp y c c ci i i i

P olic y
o o f
f a
t e c i
l i
l e m m m l l ee dd
P P E E S G i
l o o fLi i i o o fD ee
K o P P E L L P P E DD

)
n K F P

( )
i F
n
o K r

(
e

)
i
t
c Fer i
f
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f i
t
s i
t nn
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(
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o i

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Cover age
r m s r r r r

R o le D efinit ion
d

A3 - Policy SA

Eve nt , A c tiv it y
e e e e e e e e

(
i e o a n v vov v vov
f
i
t C N i
f o o o o
n m t t e C CC C CC

E vent S ub T y pe Code
e a t r
a r
a d
d Non r
a P P r K

( )
I

E vent I denti fier (FK)

F

Mo ne y
tti P o
r s c e e f

E vent T y pe Co de
e
i s uip e g g n r
f
i e dcr g a a o e
t n o a r r i
t i

E ffe ct ive Da te
n i
s res r e e c f
i
e
d u P e v v e t
n
D v o o s

E vent Da te
li fe cyc le defined t hrough
I
t B d
et o C C r e

Polic y E vent

Code Refe re nc e
f d

E v ent I denti fier

c O sc C o
j I
u nu

B us i ne s s Data
a y

P roduc t
d e eod m c
o n c i
l
r i i r

Ma jor E ntity
P L L P s o
e P
n
i
f
e

Legend
Event
d

7.5
 Property and Casualty Data Model, v1.0
and a common entity for all claims monies is defined. Refer to the Claim Role Subject Area for examples of the roles involved
The Claim Subject Area defines the major entities involved in claims management, beginning with an occurrence resulting in
claims and sub-claims, and the option of arbitration and litigation being involved in claim settlement. As with all areas of the
model, the relationships and roles of parties is defined for the major entities. The relationship of claim to coverage is shown,

s
e
n
i
f
e
d
r
o
f
s K
)

g F
s n
i
n t d n
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(

i u Kie o n
)

t r e r Ff i
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7.6
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S P L P P E PC CI E C C

26
G
 27
The Assessment Subject Area shows the types of assessments that apply to the insurance and financial business. These provide
for oversight, risk assessment, financial information and valuation of assets. Assessments are related to other major entities
such as agreement, insurable object and claim, with party roles for assessment being defined in the common metaphor.

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A5 - Assessment SA
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Release 1.0 - 201303

e t r

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(
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7.7
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a P P P o e
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 Property and Casualty Data Model, v1.0
The Agreement Role Subject Area shows examples of the roles that can be involved in agreements. While these roles would

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r t
r
e a a a a
P P P P

(
e d
t o
a C
D e
n l
o
o

Staff Ro le
i
t R
p y
e
c t
r K

)
e nK a F
d P

)
r o IF
l
e
i C a K e

(
f

)
i
t e nr
i F d
e m o

(
n ie
g

Mutual Fund P rovi der

e p a r i
f C
d y N Oni
t e

Legal Adviser
I T d e
t
n t
n t
n te
n o l
o
t
n e e e eId C R
e m m m mct e y
m e e e eu l
o t
r
e e e e ed R a
e r
g r
g r
g rr
g o y P K
r

)
g A A A AP t
r F
A a K
P

)
F e

(
d

Premium Audit or
e o
C

(
d
r
o o e
l
t K C o

)
K a F e R
r
t l

)
F s o y
i
n e R t
r

(
Heal th Care Provider
i d y a

P&C Logical Data Model

e

B1 - Agreement Role SA
m o P

(
t
r

Auditor
d d C a
o A
C e P

Release 1.0 - 201303

e y
t l
o
l r
a R
o
R P y
t
K d r

)
F y
t r a
r i
h P
a T
e P

(
d K K

)
o F

)
C F
e K e

(
l e

)
d

(
o F d o
R o
C C

P rovi der
y
t K e

Subcont ractor
(
r e

( )
a F d e l
P o l
o o
C R

Contractor
e e R y
d l y t
r

Financial S ervi ce
o o t
r a
C R a P
e y P
l
o t
r

B uyer
R a
y P
t
r
a
P

7.8

28
 29
The Claim Party Role Subject Area shows examples of the roles that can be involved in claims. While these roles would

K
)

K r
e F
)

F t
s
u e
(

K j d
)

F e d o
(

d A C
e r o t
n
(

r d e
t C e e
l
e o s e d o
t
s u l R
u C j
d o n
j e R e y
t
d l A p r
A o c y
t e a
e R i
l r d P
s y b a n
I
u t
r u P
o a P Z
K h P
n
)

F I Z
e Z
(

Z d
o K
C

)
F
Z
e e
d l
o
r e

(
e o r R d
i
f e C e
t o
i
t e s y
t K C
n m e t r
)
e p a e u
j a K F e
)

d a y D t
a d P F l
I N T n D A o

Outpati ent
y y y e R

(
t
y r t t i
g d e d
(

t a r
a r
a e n d o y
t
r o r
Z

Z
a P P P B E C C a
P e P
become Role Codes in an implementation, it is usable to display them for understanding.

e l
o
l
o R
R

Inpatient
y y
t
m t r
Pa tient

i y r
a a
a t P
l
c i
l
i P
d b

Z
e i
s
n n h K
g

)
g o u F
i p o

Z
s
s s r
a e
r h e

(
t r K d

)
e F o
n
Z K i
m
C

)
F e e

(
a d l
x o o
e E C R

(
n d d e y
t
s o u l r

Dri ver
K e o a o a
K F i C
( )

n t
p t
r r R P
( )

F K i e e F
)

F f
e e i
r p l y
e d e m c x o m t
r
e r d d s E R i a
l
o e o r o a e y a
l P
(

i
f e
i C N D m t C
R i
t C f
i e e e i r
a
y n e e
t t
n l l l a P K
e e l

)
t l a e o o o

Z
r d o e t l
o C F
a I R D d a R R R
P n I D R y y y
m y i y y t t t e

Z
r r r

(
m i
a t
r g t
r d t a a a d
i l a e a n r o
a
l C P B P E a P P P K
P C

)
C F
K t e e
l
K r

)
F e o

)
e e y

(
F p d a R
responsibility

n
i e x o P y

(
E t
Claim Role Subject Area Model

e d C s r

(
s m d o l s a

Z
n i Z o a e
l o P
i
a a
l C C g o L
e
defines

t c e L R
n b e l
party

l o y

Claim Role
o u o R m t
r
c s R e i a
e
in

y y
t a
l P
t
r m
i r C
a a a
P l P K
C

)
Z
F
e
t r
o
a t e

(
a

Z
D r d
m K t
s o
i

)
K a F n C

Z
r i
( )

F r g m e
e K l
o

)
o F e d
KKr

(
r b r d R
( )

FFi m P A
( )

e e o y
f b u e e C m t
r

(
i

Cl aim Wi tness
t
n r m N e d d e i a
r
e e e u e t a o l a
l P
i d i
f m t ea eM C o C
f
i I i
t N i n ea dD t R
t t n a o e
tt od as e
r n c e m l
c i a aD m l y
e e e d i b t
p Dn Ce Di o t
r
i
f
i
d
I j
b I a
l u i D
r e srt ea R a
t e e C S c nep uo dl y P
n O h s eso tp aC t
r K
e c p y y e po a

Vi ct im

Property and Casualty Data Model, v1.0

d n e o n n e
lR te Mt o a F
I e l
b r a a D OC SR sn P

Z
m r a t
s p p mi
m i mm mi my
m i I
u r a e

(
m i
a c u t m m i
a aa i
a i
a a a r
t r d
i l c s a o o l lll ll ln e o

Z
a
l C O n C C C C CCC CC CE n
C I K i C

)
K e F m e

)
F v l

Z
i
t a
x o
K a

)
e R

(
e F t
n d E
y

(
Z d e o m t
r
o e s C i a

(
C d e e a
l P
o r
p l C
e
l e o
o C R

P&C Logical Data Model

R

Staff Role
R e
l y
y t o m t
r
t n R i a

Release 1.0 - 201303

r a a

B2 - Claim Role SA
a y l P
P m t
r C
i
a a
l P
C

Z
K

)
F
r
o e

Z
K

(
t

)
a
r F d
t o
s
i C
K n e e

(
i

)
F K m d l
o
o

)
F d C R
e A

At torney
e y

(
d e y l t
r
Z K

(
o d t
r o a

)
F

Z
C o a R P

Servi ce Provider
C P

Hea lth Care P ro vider

e y
t
l e d r

(
o d e
l r a
R o o i
h P
R T

Provi der
y C
t
r e y
a l t
r
P o a
R P
y
t
r
a

7.9
P
 Property and Casualty Data Model, v1.0
The Staffing Role Subject Area shows examples of the roles that can be involved in staffing. While these roles would become
Role Codes in an implementation, it is usable to display them for understanding. This subject area also shows the entities of
interest with respect to the classification and assignment of staff, which supports the operational aspects of insurance and

e
d
o
C
e
p
y
T
t
n
t e K
)

a F

Staff Classification Descripti

D m
Third Party Staffing Agreement

n e

Staff Classification Name

e r

Staff Classification Code

(

o r e K
)

i
t g i
f K F
i
Employment Agreement
)

p A t
n F
Staffi ng Agreem ent

e e K
r
)
c F
(

e d e
Consultant Contract

d n K r i
)

r o I F I
t e
i f
i
e l n n f t r

Staff Classi fication

C a i n
(
i
f
i e n i e t
n e e
i
t e m i r y
t m e d f
i
(

n p g e
i i
l d I t
n
e y a i
r f
i i
b e I t
d
I T N O t
n i e t n e
t t t t e s r
g n e d
I
t n n n n d n e m t
n e e e e I o A m e n
e m m m m t p e e e
m c s e r m
e e e e u e r g e
e e e e e d r g A
e r
g r
g r
g r
g o y
t A e
r
r
g A A A A r
P r g
a A
A p
s
e K
n
( )

i
f F
e
n d K
)

i r F

designat ed for
y e K
)
Agre ement P art y Role

y
t t i
f
i F
r i
l
i t e
(

a b n d e
p i
s e o e r t
(

s n d
I t e
i a
e o t C a f
i D
n p n e D t
n n
i
f s e l
o e o
e e m R e
v d i
d r y i I t
a
t
i e y t
c y r
l
i e
r t
r e t
r i
p
K b
i g a f
f a x
F KK
)

s
)

A P E P E
)

FF n
o
re eK p
e s
(
(
(

i d t
a e K K
)

e fo DF

)
i

Staff Classification Code (F

l Kt r F F
)

o Fn C s

Staff Positi on Des cription

R e

Sta ffing Organizat ion

e n
i e
t
d e e e

(
g a
(

p I p h

Staff Positi on Identifier

i r y ed e
t n g d d
h eyT Bo o o
(

i a g u
t pC
i

Staff Positi on Name

s f
ir D s o s C C
n tahp r e
o
i nPs
i i
h e
l n e
d h
t n e
l e
l
t
a e
d so i
g i
f o
R
o
R
l
e Ido
e
n nR
o e
B
e
d K
y y

)
R yt i i y K F

)
talt
a t
art e t
r t
r F
rl

S taff Po siti on
y l l a a
t ae e e a o

Sta ff
r RR P P e
P RP

(
a R e d

(
P d o
o C
C

Team Leader
y e e
l
t
i
l l o
i
b n n o R
i i o R

Manager
s i
t y
t
n d p y
t r
7.10 Staffing Role Subject Area Model

o e e i
r r a
p n
i e c a P
s f
e d m s P
e
r d o a e
C N D
e
l e
l e
l
n
i e o o o
l R R R

f ille d through
y
t o K
r R

)
a K y
t y
t y
t F
)
p F y
t r
a r
a r
a
r r K K

)
e

)
a P P P e F

(
e r d P d F
(
h
t e o o
o i
f
i C e
C e

(
n Kn
t

(
d
)
a Fe e e d o
l o

Team Member
p p o

Accountability
o i d y C C

Staff Role
t h rI T R e

(
s s ey
t y e l
e n i
fr p
i t l
o o
t
a o
i i
ta h e r
a R
l t
a nP s t
a e R
e e n t P y y
t
r l
e dd o D a t r
Ie
t i
t n D r
a a
R ya a i P P
y t
rl l g d s
t ae e e n

Staff Position Identifi er (FK)

r e K
R R

)
a P B E n
i F
P f
e

Staff Position Assignm ent

n
i d r

(
K Ki
e

)
y

)
t F Fi
f
r
a t
n
p r re

(
r e
i e
id
e f
i e f
iI
h t
n m t
nn
e t
o e eo e
d n a di
t t
r o a d
I N Ia a e
t
e
i C g g s nz
i D a
f
i e e m n n e on n D
t
n m e t o g i i n sa i
e a p a e r n
i p p i
f rg g d
d y D t
a f p u u e er e n
I N T s u o o d PO B E
y y y n
i D e
t o r r
t
r t
r t
r g d a r G G
y a
t a a e n l G
r
a P P P B E e
r
P

Party Type Code

r
e
K i
f

authorize s
)
F i
t
e n n
d e o
r o d i
t

(
e
i C I p
i
f
i e e t
e r

P&C Logi cal Data Model

t
n e m d e c
s
e p
y a o r
t e
e e

B3 - Staffing Role SA
d
I T N C s D

Release 1.0 - 201303

m m e e d
n n n a a p d a
r n K

( )
o
i o
i o
i N N y o B o
i F
t t t T C t

Organization
a a a e d a K

)
z z z t m y y n z t r
Ke F K
i i i a y r r i

)
n n n t t n n

)
n n A Ff
i F

defi nes
a a a r o s s a e i
t r
g g g e u u n g

(
r r r t r
c d d u r m n e
i
O O O l n n D O n re f e

(
A A I I g e
id i
t d
fI n

financial services.
i
s i
t e o
s nn d C
A eo
i I e e
dt
a g t
a l e
k
r Iz n D o t
o ni i R a
on p n D
K

desi gnated to
W sa u i y
t

)
F rg
r o
r g r d
f
a e e a n
e t PO G B P E
r e m S

(
e m
i
f
i e a e
t e e a N d
n m N

designated for
e m e a e m l e e o
d a m N m a a e
t c C
I a a g m a a r
n N e N e a D l
P e
o x N l N x L n d
s i
f t d t i k h h n

P erson
r e s
r d s f l c t
r t
r
e r i i
M a u u i i i e
G
P P F L S F N B B

30
7.11 Party Subtype Subject Area Model
The Party Subtype Subject Area shows examples of the classifications of organization and group. It also provides examples of
the use of organization and the optional ways of defining organization hierarchies. The use of party relationship is
demonstrated as a common way of managing party person, organization, and group relationships.
P
a
r
t
y

P
a
r
t
y
R
e
l
a
t
i
o
n
s
h
i
p
P
a
r
t
y
I
d
e
n
t
i
f
i
e
r

P
a
r
t
y
I
d
e
n
t
i
f
i
e
r
F e
K n
( )

r
e
l
a
t
e
s
f
r
o
m
a
n
o
t
h
e
r
p
a
r
t
y
i
n
C1 - Party Subtype SA
P
a
r
t
y
N
a
m
e

R
e
l
a
t
e
d
P
a
r
t
y
I
d
t
i
f
i
e
r
.
P
a
r
t
y
I
d
e
n
t
i
f
i
e
r
F
K
( )
P
a
r
t
y
T
y
p
e
C
o
d
e

r
e
l
a
t
e
s
t
o
a
n
o
t
h
e
r
p
a
r
t
y
i
n

R
e
l
a
t
i
o
n
s
h
i
p
T
y
p
e
C
o
d
e
P&C Logical Data Model
B
e
g
i
n
D
a
t
e

B
e
g
i
n
D
a
t
e
E
n
d
D
a
t
e

Release1.0 - 201303

E
n
d
D
a
t
e
Pa rty Ty pe Code

G
r
o
u
p
i
n
g
P ers on
P
e
r
s
o
n
I
d
e
n
t
i
f
i
e
r
.
P
a
r
t
y
I
d
e
n
t
i
f
i
e
r
F
K

Orga niza tion

( )
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
.
P
a
r
t
y
I
d
e
n
t
i
f
i
e
r
F
K

G
r
o
u
p
i
n
g
I
d
e
n
t
i
f
i
e
r
.
P
a
r
t
y
I
d
e
n
t
i
f
i
e
r
F
K
( ) ( )
P
r
e
f
i
x
N
a
m
e

O
r
g
a
n
i
z
a
t
i
o
n
T
y
p
e
C
o
d
e

G
r
o
u
p
i
n
g
N
a
m
e
F
i
r
s
t
N
a
m
e

O
r
g
a
n
i
z
a
t
i
o
n
N
a
m
e
M
i
d
d
l
e
N
a
m
e

A
l
t
e
r
n
a
t
e
N
a
m
e
L
a
s
t
N
a
m
e

A
c
r
o
n
y
m
N
a
m
e
S
u
f
f
i
x
N
a
m
e

I
n
d
u
s
t
r
y
T
y
p
e
C
o
d
e
F
u
l
l
L
e
g
a
l
N
a
m
e

I
n
d
u
s
t
r
y
C
o
d
e
N
i
c
k
n
a
m
e

D
u
n
A
n
d
B
r
a
d
s
t
r
e
e
t
I
d
e
n
t
i
f
i
e
r

Hous eh old
B
i
r
t
h
D
a
t
e

H
o
u
s
e
h
o
l
d
I
d
e
n
t
i
f
i
e
r
.
G
r
o
u
p
i
n
g
I
d
e
n
t
i
f
i
e
r
F
K
O
r
g
a
n
i
z
a
t
i
o
n
D
e
s
c
ri
p
t
i
o
n
B
i
r
t
h
P
l
a
c
e
N
a
m
e

( )
G
e
n
d
e
r
C
o
d
e

Organi za ti on Uni t

P
r
o
f
e
s
s
i
o
n
a
l
G
r
o
u
p
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

( )

G
r
o
u
p
i
n
g
I
d
e
n
t
i
f
i
e
r
F
K
auth orizes
desi gnat ed for ( )
O
r
g
a
n
i
z
a
t
i
o
n
U
n
i
t
N
a
m
e

For Pr ofi t Org aniz ation

O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K
O
r
g
a
n
i
z
a
t
i
o
n
U
n
i
t
D
e
s
c
r
i
p
t
i
o
n

( )
I
n
d
u
s
t
r
y
C
o
d
e

P
r G
o
j
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c
t u
A
c
c
o
u
n
t
i
n
g
C
o
d
e

S taff P os it ion Ass i gnm ent

W
o
r
k
S
i
t
e
T
y
p
e
C
o
d
e

r
p
i
n
g
I
d
e
n
t
i
f
i
e
r
F
K
P
e
r
s
o
n
I
d
e
n
t
i
f
i
e
r
Fi
Ki

( ) Gover nm ent Or ganiz atio n ( )

O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
f
e
r
F
K

( )
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

( )
Sta ff Pos iti on Id entifier (FK)
B
e
g
i
n
D
a
t
e

T
e G
a r
m o
u
p
i
n
g
I
d
e
n
t
i
f
i
e
r
F
K
E
n
d
D
a
t
e

( )
Fi eld Orga niz ation Un it Not For P rofi t Organ iz ation
Ad m inis tr ative Or ganizatio n Unit
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

( ) ( )
( )

di vid es into divi des into

Terr itory
Depar tme nt
Terri tory Ide ntifie r
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

( ) D epa rtme nt Identifier

O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

( )

divides i nto
Re giona l Offic e

Reg ional Offi ce Id entifie r

Terri tory Ide ntifie r (FK)
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

( )

devides i nto
Bra nch Offic e

Branch Offi ce Id en tifier

Re gion al Office Identifi er (FK)
Territory Id entifi er (FK)
O
r
g
a
n
i
z
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K

( )

Property and Casualty Data Model, v1.0 31

 Property and Casualty Data Model, v1.0
subtypes require further specialized information and may involve implementation of the subtypes, whereas some objects can
The Insurable Object Subtype Subject Area shows examples of the varied objects that can be involved in insurance. Some

is with in

K
)
F
r
e

(
i
f
i
t
K K n
e
K K K
)

F d
)

F F F
( )

F I
K d
l
)

contai ns
e F r r r r K o
(

e e e
(

(
i e

Hou sehol d
f i )
F h
i
t f
i i
f
i i
f i
f
i e
n r t t i
t t s
(

e eF K K e
i
f n n n n r u
d e e e e
)
)

(
r o d
I F i
t d d d e
i o
e
i C n I
t I d
I I f
i
t H
f nr e t t t
Househo ld Conte nt
Transportation Class

i
t e oe r d c c c c n
PropertyIn Transit

e e
(
(

n p ti f
i i
f I
t j e
j e e
j e
e y a i b b j b d
Scheduled Item

d T cni
t t c O O b O I
I o n e
j O d
e l
Freight Group

n n Lde d b e e e e o
n o o cI I O l
b l l l h
o i
t
a i
t
a r i
hss n a b
a b b
a e
i
t eK pe o e
l r r a r s
a c c ebF i b u u r u u
( )

c o o e a
rr t
a a s s u
s s o
o L Ld mm gd c r n n n n H
L c cCo aue oAd o u I I I I
c i
h i
h NNd e L s
i
h p p n nno Gn l n
I
p a
r ai
r o oioC tio a
c
a i n
r
g g
o gt
o a t
aate
t eat i
s
o e eoc cocta r
a c y
h K
o o K
7.12 Insurable Object Subtype Subject Area Model

)
G GL F
)

e LLS PL P F
G
r r

(
e
(

e
i
f fi
i
t i
t
n n
e e
d
I d
I
t K t
c
c
e K e

)
K F j

( )
j F b

)
b F
O K r O

Mobile Home
)

F e r e

(
e
l r
e i e
i l

(
K b f
i f b
i s site of

fi t i
)

F a r i
t n t
n a
Structu re

r e
i n e e r
u

Combin ation Stru cture

r u f
ti e d d s
s d I

Co mmercial Structure

Resi dential Structure

e n I n
(

i n
I I t
c t I
efi
t e t
c e c
dn d e
Workers Comp C lass

r o I e j
b j
e
i Cde t
c j
b O b
f
i
t e O O K
n eI j K e F
pn b e

)
e F e l
b l
d yt
T o
i O l
b a b
I a e r a r a
r r
t tc l e r u u e

(
t c
e c
e o K b i
f u s s i
f
c j j a s n n i
t
)

e b b L F r ti
n n I I n
j
b O Oc u e I e
O i s d
e eph r n
I d
I I
(

e l la e
i
f t t
l b b r i
t c c
b a
r ag
r n e
j e
j
a
r u uo e b b
u s
n se
n d
I O O
s
n I I G t e e
I c l
b l
b
e
j a
a

Dwel lin g
b r r
u
O u

Animal
e s s
n
n

Body Object
l
b I I
a
r
u
s
n
I
K K K

)
F F F
r r
e r

(
K e
i i
f e
i
f
i i f
i

( )
F t
n t
n t
n
e e e
r d
I d
I d
I
e
i
f t t t
i
t c c c
n e
j e
j e
j
b

Mil king Machin e

e b b
be commonly described at the object level.

d
I O O O
t
c e e
l e
e K l
b b l
b
j

Farm Equipme nt

Co mbin e
)
b F a
r a
r a
r
O u u u

Tractor
e r s s s
n n n

(
l e
i
f I I I
b
a i
t
r n
u e
s
n d
I

Man ufactured Object

K

C2 - Insurable Object Subtype SA

I t K K K K

)
c F

)
e F F F F
j
b
O r r r r r
e

(
e e e e

(
e i
f
i i
f
i i
f
i i
f
i fi
i
l t t t t t
n

P&C Logical Data Model

b
a n
e n
e n
e n
e e
r
u d d d d d
I
s I I I I t
t t t t c

Release1.0 - 201303
n
I c c c c e
e
j e
j e
j e
j j
b b b b b
O O O O O
K y
t e e e e e
l
i r l l l l

)
F t e b b b b b

Ma ster Re fe rence Data

n

Wa tercraft
a b a
r a
r a
r a
r a
r
r u m u u u u u

Trailer
e
i Q u s s s s s

Tru ck
f
i l N n n n n n
I

Boat
t I I I I

Bus
n
e eee n
r me o

Ro le De fin iti on
d a hm i

Eve nt, A cti vity

I e aWa t
a
t
c Y Ng N c
e l ln i
f
j
b e e i e i
t K K K K K
O d div k n

)
o o a e F F F F F

Mo ney
M MDr M d
e
l I
b e elee e r
e r
e r
e r
e r
e

(
a l
c l
c clc l
c i
f i
f i
f i
f i
f
r
u i
h ih
h i i
h i
h i
t i
t i
t i
t i
t

Ve hicle
s e eVeVe e n n n n n
n
I V V V e e e e e

Co de R efe renc e
d
I d
I d
I d
I d
I

Re crea tional Vehicl e

Co nstruction Vehicl e
t t t t t

Busi ne ss D ata
c c c c c
e
j e
j e
j e
j e
j

Ma jor Entity
b b b b b
O O O O O
e
l e
l e
l e
l e
l

Au tomob ile
b b b b b

Mo torcycle

Le gen d
a
r a
r a
r a
r a
r
u u u u u
s
n s
n s
n s
n s
n
I I I I I

Va n

32
 33
The “Money” Subtype Subject Area shows the various classifications of policy and claim monies, and is useful for the

K K K
F F F
( )

( )

( )

r
e r
e r
e
i
f i
f
i i
f
i
i
t t
n t
n
n
e e e
DeductibleRecovery

d d
Expense Recovery

d
I I I
t
n t
n t
n
u u
o u
o
o m m
m
Subrogation

A A A
K m m m
F
( )

i
a i
a i
a
r l
C l
C l
C
e
i
f
i
t
n
e
d
I
t
n
u
o
m
A
Recovery

m
i K
a F K
( )

l F
( )

C K K K
r F
( )

( )

( )
e r F F
i
f
i e
i
t
n f
i
t r r r
e n e
i
f e
i
f e
i
f
d t e i
t i
t i
t
I d n

Reinsurance Recovery
t n
e I
t e n
e n
e
n m n d d d
u
o u I I I
y t t t
Loss Payment

K
F m a o y n n n
( )

A P m r
e u u u
e A v o o o
r m s m o m m m
e c
understanding of what is represented in the Policy Amount and Claim Amount entities.

i
f i
a n
e i e A A A
i
t
n l
C p a
l R m m m
C i i i

Salvage
e x
E s a a a
d s l l l
Amount Type Code

I
t o C C C
n L
u
Claim Payment

o
K m
F A
( )

r
e
i
f
i r d
K e e m
t
n i
a
i oe
F f
( )

e i d l
C
d
I t
n Co
t r
e e eCt K K
F
( )
t n i
f d p en
( )

n u i
t I
r yp u F
u o n e e T y o r
o m e f t
a eT
c m r e
m A d
I O D ntnA e
i i
f
i
A ta f
i t
m
m
i
m
i
mn
ies ru
u omi
t
n n
e K K K
a a a a e d

( )
i mC e I F F F

( )

( )
a l
C l
C l
C vI
E nA l d
I v t
l
C K t r
e n
F n r r
( )

e u s u
o e t
n e r
e
v o e m i
f
i u i
f i
f
r r m R t t
n o i
t
n t
n i
t
e
i e
s A e A n e m e u n
f
i
t e s m u
o d A d o e
d
n R m n i m I
t I m I
e s i
a e
p a
l n m t
n A t
n
d C A i
7.13 Money Subtype Subject Area Model

I s l
C x e u
o a u
o u
t
n o
L E d m m l
C m o
u o i
a m i
a m
A A
Claim Reserve

o C l d l
C A
m C m e m m
A e
p t
c i m i d i
y e a
l u
s a
l e
d a
m T r
i C s C e l
C
i
a e D A C
l
C c
n
a
r
u
s
n
I
K K
F F

( )

( )
K K

)
F F

)
r
e r
e
K r r i
f i
f
( )

F i i

(
e e t t t

(
i
f i
f
i n n t
n n
K i
t t
n u e
d u e
d
r F n o I I
( )
e t
n e t e m t o t
i
f
i u d n d n m n
K I I A

InsuranceType Code
t
n F r
e o u
o t u A u
t

( )
e i
f m n m n m o o
d
I i
t A u A u i m m
i m
r
e l rn
e o o a
l A a
l A
i
f
i
i
a
t fe
i
i
t
d
I e
y
c
i
l
m
A
y
c
i
m
A
C
t m C m
t n d l i i t i
n Ke enK e e o o d a i a

Property and Casualty Data Model, v1.0

FD F t o P y P y l b l

( )
e o d e C C

( )
d d
I i
t a e
t C o t c t c
i r
C e
D
I e t a D a e C i
d i
l i
b l
o
t
n rag c ce D t e o P
u e
i r eot
j
n
i p
y e n r P e
D
o f
i
t e bLcDa g
e d
n T p
y
u
o C
n v Oi

Policy Amount
m e o eh e B E e T m
A dC l pv g g c t A
y I
y y b
a at
r i n n n
a n
u y
c clc rog c i
n i
n r o c
i
l i
l i u e r r u m i
l
o
P o
P o
P sG
n eEf a
E a
E s
n A o
P
I I K K K
F F F

)
r
e r
e r
e

(
i
f i
f i
f
i
t i
t i
t

Assumed Policy Amount

n n n
e e e

Amount Type Code

d d d

Ceded Poli cy Amount

I I I

Di rect Pol icy Amount

t
n t
n t
n
u u u
o o o
m m m
A A A

P&C Logical Data Model

C3 - Money Subtype SA
y y y
c
i c
i c
i
l l l

Release 1.0 - 201303

o o o

Code Ref erence Master Reference Data

P P P

Role Definiti on

Event, Activity
K K K K
F F F F

Money
r
e r
e r
e r
e

(
i
f i
f i
f i
f
i
t i
t i
t i
t
n
e n
e n
e n
e
d
I d
I d
I d
I

Business Data
t
n t
n t
n t
n
u u u u

MajorEntity
o o o o
m m m m
A A A A

Surcharge

Legend
y y y y

Premium
c
i
l c
i
l c
i
l c
i
l
o o o o
P P P P

Fee
Tax
7.14 Event Subtype Subject Area Model
The Event Subject Area shows the subtypes of events defined to date for policy.

Event
Ev ent Id entifie r
C4 - Event Subtype SA
P&C Logical Data Model
Release 1.0 - 201303

Bus ine ss Eve nt

Li fe Eve nt
Ev en t Id e ntifier (FK)
Ev en t Id e ntifier (FK)

Pol icy Event

C laim Even t
Ev ent Ide ntifie r (FK) Ev e nt Id e ntifier (FK)
Ev ent Da te Po licy

P
o
l
i
c
y
I
d
e
n
t
i
f
i
e
r
.
A
g
r
e
e
m
e
n
t
I
d
e
n
t
i
f
i
e
r
F
K
Effec tiv e D ate
( )
Ev ent Ty pe Cod e

P
o
l
i
c
y
N
u
m
b
e
r
Ev ent Su b Ty pe Cod e
P
o
l
i
c
y
I
d
e
n
t
i
f
i
e
r
F
K

E
f
e
c
t
i
v
e
D
a
t
e
( ) life cycle d efine d through

E
x
p
i
r
a
t
i
o
n
D
a
t
e
S
t
a
t
u
s
C
o
d
e
G
e
o
g
r
a
p
h
i
c
L
o
c
a
t
i
o
n
I
d
e
n
t
i
f
i
e
r
F
K
( )

Pre Qu al ifi cation Bind in g End orse ment Ren ewal

E vent Ide n ti fie r (FK) Even t Id e nti fi er (FK)
Cance l
Ev en t Ide ntifie r (FK) E vent Ide nti fier (FK)
Ev e nt Id e ntifier (FK)

Qu ote New Bu sines s

Ev ent Id entifie r (FK) Eve nt Ide ntifi e r (FK)
Rei ns tatem ent
Even t Id e nti fi er (FK)

Fla t
Pro Rata
Even t Ide ntifi e r (FK) Eve nt Id en ti fi er (FK)
Full Term
Leg en d
Eve nt Id enti fie r (FK)
Maj o r En ti ty Ev e nt, A cti vi ty
Sho rt Rate
Bu si ness Da ta Mon ey
Aud it
Mi d Term Ev ent Ide ntifie r (FK)
Eve nt Id e nti fi er (FK) Co de Re fere nce Mas ter R efe re nc e Da ta
Even t Ide ntifi e r (FK)

34 Property and Casualty Data Model, v1.0

 35
The “Diagram Spacing Template” contains objects useful for designing entity layouts for the subject area diagrams and is not
The “Main Subject Area” contains all the model objects in the entire data model. For this Property and Casualty Data Model,
The Product Coverage Reference Subject Area shows the entities involved in defining the company products and coverage.
This is the framework for defining master data for the offerings of the company, and assuring integrity of the policy data.

the main subject area may contain extra model objects that have not yet been included in the specific Subject Areas.
i s withi n

e e
d m
o a n K )
C N o
i F
e e t
a
e t t c
a a r

(
t t t o e K

)
a K i F
)

t S S F L f
i
S f
o c t
n i n r
o r h e

(
r e e
(
defines jurisd iction for

i
t t
i e p d
I i
f
e
i p
i s i
f
i a i
t
f
i e r s t r
g n n
t
n e c i e n o o
i e
d m s e K K t
)

d d
)

e o a e r o d F F e a I
d
I C N D e I G c y
i
f
i C n o r
y y y y t o r r y L o
(
(

n n n n n e i
t e e r
o t
i
a a a a e p i
f i
f t c r
Compan y

p p p p d y a
c i
t i
t i
r i
h r
I T o n n r p e
m m m m n n e e e a T
o o o o o o L d d s T r g
C C C C n i i c I I e g g n
o
i t
a t
a r i
h s n s
i n o i
t
t
a c c e K p s o r
p i
t e a
)

c o o e e b F a e i
t a G R
o L L d m m r r
d a m R
L o a u g c o
c
i c
i e o d o c
C N N
(

K c h h d e A L
i
)

F h p p n n n o G n l
7.15 Product Coverage Reference Subject Area Model

K p a a o o o C t o a
c
)

F a r r i
t i
t i
t n i
t i
r r g g a a a e e a s
(

co nsis ts of
e g o o r y
c onduc ts business i n

r i
f e e c c c a c
o o o o a o h
(

e i
t e G G L L L t
S P L P
i
f n
i
t K e G
n
g ra nts

d
F K I
e
K d
)
)

F I F n
r o
i
(

n e t
Comp any Ju risd ictio n

r o i
f a
r
(

i i
(

e t t e
c
i e
i
f a n o
f t
Pro duct L icen se

i
t c e i
t
L e a e
authoriz ed for sa le by

n o d n
c t
a D i
e L I e
i f
i
d y h
d D n t
n
I c n I
p o
y i
h a t
a e i e
n p p c
r v
i t
a d
a a u
g t
c r I
p r m d
o e i
p n
g o o
e
r x e o
m o f i
f i
t
C G
P E E K i
t n a
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36 Property and Casualty Data Model, v1.0
8 Glossary of Data Model Terms and Definitions

8.1 General
This clause includes the following topics:

• Subject Area Definitions

• Entity Definitions

• Attribute Definitions

• Relationship Definitions

• Domain Definitions

• Model Term Cross Reference

• Subject Area Entities
• Entity Attributes

• Business Terms Reference Glossary

8.2 Subject Area Definitions

This sub clause provides a listing of all subject areas included in the P&C Data Model, and the text definitions for each subject
area. The subject areas are listed in hierarchical order starting with the Main Subject Area, the “A” level being the Major
Subject Areas: Party, Account and Agreement, Policy, Claim and Assessment – the “B” level containing the Roles:
Agreement, Claim and Staffing Roles – the “C” level lists the Subtypes: Party, Insurable Object, Money, and Event Subtypes,
and the “D” level with Product Coverage Reference.

Subject Area Name Subject Area Definition

<Main Subject Area> The “Main Subject Area” contains all the model objects in the entire data model.
For this Property and Casualty Data Model, the main subject area may contain
extra model objects that have not yet been included in the specific Subject Areas.

A1 - Party The Party Subject Area shows that all persons, organizations, and groups can be
represented as “parties” and that parties can then be related to other major
objects with specified roles. The Party design also provides for a common
approach to describing communication identifiers, relationships between parties,
and legal identifiers. Examples of the use of the party types is also shown.
A2 - Account and Agreement The Account and Agreement Subject Area presents the common framework for
establishing customer-oriented accounts and company-oriented financial
services agreements. Party Role is used to relate all parties to account and
agreement, and various agreement types are identified. Refer to the Agreement
Role Subject Area for examples of the roles involved with agreements.

Property and Casualty Data Model, v1.0 37

 Subject Area Name Subject Area Definition

A3 - Policy The Policy Subject Area defines the common features of an insurance policy and
shows how they are related to parties and agreement. Common constructs for
Geographic Location and Insurable Objects allow for these to be shared above
the level of a Policy. A common entity for policy monies allows for all types of
amounts to be defined at all policy levels.
A4 - Claim The Claim Subject Area defines the major entities involved in claims
management, beginning with an occurrence resulting in claims and subclaims,
and the option of arbitration and litigation being involved in claim settlement. As
with all areas of the model, the relationships and roles of parties is defined for the
major entities. The relationship of claim to coverage is shown, and a common
entity for all claims monies is defined. Refer to the Claim Role Subject Area for
examples of the roles involved with claims.
A5 - Assessment The Assessment Subject Area shows the types of assessments that apply to the
insurance and financial business. These provide for oversight, risk assessment,
financial information, and valuation of assets. Assessments are related to other
major entities such as agreement, insurable object and claim, with party roles for
assessment being defined in the common metaphor.
B1 - Agreement Role The Agreement Role Subject Area shows examples of the roles that can be
involved in agreements. While these roles would become Role Codes in an
implementation, it is usable to display them for understanding.
B2 - Claim Role The Claim Role Subject Area shows examples of the roles that can be involved
in claims. While these roles would become Role Codes in an implementation, it
is usable to display them for understanding.
B3 - Staffing Role The Staffing Role Subject Area shows examples of the roles that can be involved
in staffing. While these roles would become Role Codes in an implementation, it
is usable to display them for understanding. This subject area also shows the
entities of interest with respect to the classification and assignment of staff, which
supports the operational aspects of insurance and financial services.
C1 - Party Subtype The Party Subtype Subject Area shows examples of the classifications of
organization and group. It also provides examples of the use of organization and
the optional ways of defining organization hierarchies. The use of party
relationship is demonstrated as a common way of managing party person,
organization, and group relationships.
C2 - Insurable Object Subtype The Insurable Object Subtype Subject area shows examples of the varied
objects that can be involved in insurance. Some subtypes require further
specialized information and may involve implementation of the subtypes,
whereas some objects can be commonly described at the object level.
C3 - Money Subtype The “Money” Subtype Subject Area shows the various classifications of policy
and claim monies, and is useful for the understanding of what is represented in
the Policy Amount and Claim Amount entities.
C4 - Event Subtype The Event Subject Area shows the subtypes of events defined to date for policy.

D1 - Product Coverage Reference The Product Coverage Reference Subject Area shows the entities involved in
defining the company products and coverages. This is the framework for defining
master data for the offerings of the company, and assuring integrity of the policy
data.

38 Property and Casualty Data Model, v1.0

8.3 Entity Definitions
This sub clause provides a listing of all entities included in the P&C Data Model, and the text definition for each entity. The
entities are listed in alphabetical order.

Entity Name Entity Definition

Account Account is a business arrangement providing for regular dealings or services

such as multiple policies and contracts.
Account Agreement Account Agreement is a relationship between account and agreement. It can be
used to relate multiple agreements to a single account such as for billing.
Account Party Role Account Party Role defines how the Party relates to the Account.
Account Provider Account Provider is a Role played by a Party who, in the context of an account
agreement, provides an account and the related account facilities to the account
holder.
Account Role Account Role relates a Party to a Role within an Account.
Accountability Accountability is a Role played by a Party who is responsible for an Account or
Project or Assessment or any other object or activity.
Additional Interest Additional Interest is a Role played by a Party who has financial or risk interest
in an Agreement.
Adjuster Adjuster is a role played by a Party who handles a claim brought against an
insurance company or syndicate.
Administrative Organization Unit An Administrative Organization Unit is a management structure of an
organization that represents reporting relationships and responsibilities.
Agency Contract Agency Contract is a type of agreement that stipulates the business arrangement
between an insurance agency, and the insurer it represents.
Agent Agent is a Role played by a Party who sells and services insurance policies in
either of two classifications: 1. Independent agent represents at least two
insurance companies. 2. Captive Agent represents only one company and sells
only its policies.
Agreement Agreement is a language that defines the terms and conditions of a legally
binding contract among the identified parties, ordinarily leading to a contract.
Examples: policy, reinsurance agreement, staff agreement.
Agreement Assessment Agreement Assessment relates an Assessment to an Agreement.
Agreement Party Role Agreement Party Role defines how a Party relates to the agreement. Examples:
Party is a primary named insured on a policy agreement; Party is a broker who
sold the agreement.
Agreement Role Agreement Role relates a Party to a Role within an Agreement.
Animal Animal is an Insured Object that can be farm livestock, a zoo animal, a pet, or
any other animal that could be insured.
Approval Approval is an authorization given by a role player for the execution of a business
activity.
Arbitration Arbitration is the process of settling a dispute by an appointed third party outside
court.
Abitration Party Role Arbitration Party Role defines how the Party relates to the agreement.

Property and Casualty Data Model, v1.0 39

 Entity Name Entity Definition

Assessment Party Role Assessment Party Role defines how the Party relates to the Assessment.
Assessment Assessment is a formal evaluation of a particular person, organization, or thing
that enables business decisions to be made. Examples: Credit Score,
Underwriting Evaluation, Medical Condition.
Assessment Result An Assessment Result is the outcome of the assessment. There may be multiple
results for one assessment.
Assumed Claim Amount Assumed claim Amount classifies monies as belonging to a claim that relates to
a policy that has assumed from another company.
Assumed Policy Amount Assumed Policy Amount classifies monies as belonging to a policy that is
assumed from another company.
Attorney Attorney is a Role played by a Person who is legally appointed to transact
business on another’s behalf.
Audit Audit (herein Premium Audit) is a transaction that occurs generally after the
policy term has expired, to see if the exposures were accurate or if any post term
changes need to be made and more premium billed or a credit given. Example:
a premium audit may be conducted of a company insured under a workers
compensation policy to assure appropriate premium has been charged based on
risk location and insured workers job.
Auditor Auditor is a Role played by a Party who performs either operational or financial
reviews (audits).
Auto Repair Shop Contract Auto Repair Shop Contract is a kind of Agreement where a Repair Facility may
be selected by the insurer to perform appraisals only or perform appraisals and
repairs.
Automobile An Automobile is an Insured Object that is a self-propelled passenger vehicle
designed for operation on ordinary roads and typically having four wheels.
Binding Binding is the act of providing insurance coverage between the time an
Insurance company accepts the risk and is ready to issue the permanent policy.
Boat A Boat is an Insured Object that is a vessel that carries passengers or freight over
water.
Body Object Body Object is an Insurable Object such as a human body part, a life form such
as a lab organism, or an animal.
Branch Office A Branch Office is an Organization Unit that is a local business location of an
insurance company that markets and/or services its products and lines of
insurance within and to a specified geographic location.
Broker Broker is a Role played by a Party who searches the marketplace in the interest
of clients, not insurance companies.
Brokerage Contract Brokerage Contract is a subtype of an Agreement that defines business
arrangements between a Brokerage business and another insurance or financial
institution.
Bus A Bus is an Insurable Object that is a public or private conveyance vehicle used
to transport people, e.g., School Bus.
Business Event Business Event is a significant change during the existence of an organization
that is of interest to an insurer organization because of the potential resulting
change(s) to the underlying organization’s risk.
Buyer Buyer is a person or organization that is responsible for acquiring goods or
services that are provided for in a provider agreement.

40 Property and Casualty Data Model, v1.0

 Entity Name Entity Definition

Cancel Cancel is the act of annulling a Policy by the insured of by the Insurance
Company. The policy is no longer in-force as of the date of cancellation or an
agreed upon date.
Catastrophe Catastrophe is a destructive event of significant importance. Due to both the
scope and the scale of losses under the event, it is classified separately from
other loss events. These events may also be formally classified by a political
entity whose jurisdiction the event took place.
Ceded Claim Amount Ceded Claim Amount identifies claim monies as being owed by a reinsurer.
Ceded Policy Amount Ceded Policy Amount identifies policy monies as being owed to a resisurer.
Channel Role Channel Role is when a person or an organization has an agreement with an
insurance company to sell or service the latter’s products and, as such, to act on
behalf of the insurer (e.g., salaried call center network, broker, agent).
Channel Score Channel Score is a kind of Assessment Result that indicates the relative success
of the channel in marketing, and servicing products and services on behalf of the
insurer.
Claim Claim is a request for indemnification by an insurance company for loss incurred
from an insured peril or hazard.
Claim Administrator Claim Administrator is a Role played by a Party who is designated by the
insurance company, to manage the administration and handling of a claim.
Claim Amount Claim Amount is the money being paid or collected for settling a claim and paying
the claimants, reinsurers, other insurers, and other interested parties. Claim
amounts are classified by various attributes.
Claim Arbitration Claim Arbitration is an associative entity that relates a Claim to an Arbitration.
Claim Assessment Claim Assessment is an associative entity that relates a Claim to an Assessment.
Claim Coverage Claim Coverage is an associative entity that relates a Claim to the Policy
Coverage under which the claim is paid.
Claim Evaluation Result Claim Evaluation Result is the outcome of a Claim Assessment.
Claim Event Claim Event is a subtype of Event that identifies and describes the accident or
occurrence that triggered the claim.
Claim Examiner A Claim Examiner is a Role played by a Party who is assigned to the claim to
determine its legitimacy and provide feedback to the insurance company.
Claim Expert A Claim Expert is a role played by a Party who provides advice on matters
associated with the claim.
Claim Folder A Claim Folder is the physical file in which all claim documents are maintained.
Claim Folder Document Claim Folder Document is written information such as agreements, financial
statements, offers, proposals, etc. to provide backup and depth to agreed-upon
or discussed claim matters.
Claim Fraud Examiner A Claim Fraud Examiner is a Role played by a Party whose goal is to determine
whether fraud has occurred or is occurring, and to determine who is responsible
for the fraud.
Claim Legal Expert A Claim Legal Expert is a Role played by a Party who provides legal advice on
matters relating to the claim.
Claim Litigation Claim Litigation is a legal proceeding that may be a lawsuit about a claim or a
settlement out of court.

Property and Casualty Data Model, v1.0 41

 Entity Name Entity Definition

Claim Offer A Claim Offer is a proposal made by an insurer to a claimant or third party in order
to settle a claim.
Claim Party Role Claim Party Role defines any Party’s involvement or role in a Claim. Examples:
claimant, adjuster, victim.
Claim Payment Claim Payment is the amount paid for loss or expense to settle a claim in whole
or in part.
Claim Representative A Claim Representative is a representative acting on behalf of the insurance
company to mediate relations and initially settle disputes with its’ members or
other Third Parties.
Claim Reserve Claim Reserve is the amount of expected loss over the life of the Claim.
Claim Role Claim Role is a subtype of Party Role that organizes the roles specific to Claim.
Claim Witness Claim Witness is a Role of an individual or group or organization having first hand
knowledge of the circumstances, events, or surrounding the occurrence of an
event that resulted in a request for indemnification from an insurance company.
Claimant Claimant is a Role of a Person or Organization who asserts a loss and the right
to demand payment of compensation or benefits or indemnification of loss.
Claimee Claimee is a role played by a party who submits a claim to an insurance company
(see also Claimant).
Combination Structure A Combination Structure is an Insurable Object that is used both for human
habitation and for use by retail, wholesale, office, hotel or service users, or for
manufacturing or other industrial purposes.
Combine A Combine is a piece of farm machinery used to harvest crops (e.g., wheat).
Commercial Agreement Commercial Agreement is a Contract, such as an insurance policy, between one
organization and another organization dealing with the commercial business
activity of one of the organizations.
Commercial Structure Commercial Structure is an Insurable Object that is a property intended for use
by retail, wholesale, office, hotel or service users, or for manufacturing or other
industrial purposes.
Communication Identity Communication Identity provides contact information specifications that can be
utilized for communicating with a party. It specifies Communication Type (e.g.,
physical address, email, phone, Facebook) and Communication Value (e.g.,
phone number, email address, site address).
Commutation Agreement A Commutation Agreement is a kind of Agreement between a ceding insurer and
the reinsurer that provides for the valuation, payment, and complete discharge of
all obligations between the parties under a particular reinsurance contract.
Company Company is a formal, legally registered entity, created for the purpose of
conducting business.
Company Jurisdiction Company Jurisdiction is a legal entity or recognized political subdivision that
defines where an insurance company can operate and which products can be
sold and serviced by the company.
Construction Vehicle A Construction Vehicle is a motorized vehicle used in the course of building and
moving anything.
Consultant Contract Consultant Contract is a subtype of Agreement that outlines the working
arrangement for a consultant.

42 Property and Casualty Data Model, v1.0

 Entity Name Entity Definition

Contractor Contractor is a Role played by a Person who contracts to do work for another. An
Independent Contractor makes an agreement to do a specific piece of work,
retaining control of the means and method of doing the job. Examples of
independent contractors are physicians, lawyers, construction contractors,
engineers, and others engaged in a profession in which they offer their services
to the public.
Court Jurisdiction Court Jurisdiction specifies a specific court within a specific jurisdiction (legal and
physical area) that administers justice.
Coverage Coverage is the definition of the risks being provided indemnification, and the
level of indemnification being provided under an insurance policy. In property
insurance, coverage lists perils insured against, properties covered, locations
covered, individuals insured, and the limits of indemnification. In life insurance,
coverage provides living and death benefits.
Coverage Group Coverage Group is the aggregation of coverage under a broader business
classification to group them for reporting purposes (e.g., a group of liability
coverage, a group of property coverage).
Coverage Level Coverage Level is one of the possible limits of indemnification provided under a
coverage.
Coverage Limit Type Coverage Limit Type is the category of indemnification limit that is applied under
a coverage.
Coverage Part Coverage Part is a section of an insurance Policy that organizes coverages at a
high level, usually property versus liability.
Coverage Type Coverage Type defines the categories for different types of coverages (e.g., is
the coverage for liability, for physical damage, for no fault).
Credit Claim Amount Credit Claim Amount is any Claim Amount that offsets the amount paid for a
claim.
Credit Policy Amount Credit Policy Amount is any Policy Amount that offsets the revenue for a policy.
Credit Rating Credit Rating is a rating typically provided by a financial institution or rating
service indicating the likelihood of a Party to meet financial commitments based
on past behavior and current financial position.
Customer Customer is a Role played by a Party to whom an insurer is currently supplying
(or has supplied in the past) services, goods, or benefits.
Customer Score Customer Score is a kind of Assessment Result that assigns points to each
customer based on specific criteria in order to be able to rank order customers
against the dependent variable measured by that criteria.
Debit Claim Amount Debit Claim Amount is any amount that is paid for a claim, including monies paid
to claimants and claim expenses.
Debit Policy Amount Debit Policy Amount is any amount that is owed to the company for insurance
(called premium) or taxes and surcharges.
Deductible Recovery Deductible Recovery is a subtype of Claim Amount that represents from the
individual responsible for the deductible payment the amount of deductible
associated with a loss payment under a claim.
Demographic Score Demographic Score is an Assessment Result that is used to rank orders, risks,
or individuals based on a table of points assigned to pre-identified demographic
characteristics of the risk or individual.

Property and Casualty Data Model, v1.0 43

 Entity Name Entity Definition

Department Department is an Organization Unit that groups individuals with common or

related jobs to accomplish certain common or related functions. Example: payroll
department.
Derivative Contract Derivative Contract is a kind of Agreement where the value of the contract is
based on derived variables or characteristics, such as an index of commodity
prices.
Direct Claim Amount Direct Claim Amount classifies monies as belonging to a claim that relates to a
policy that is directly written by the company.
Direct Policy Amount Direct Policy Amount classifies monies as belonging to a Policy that is written
directly by the company.
Driver Driver is a Role played by a Person who operates a vehicle.
Dwelling A Dwelling is an Insured Object that is a structure or part of a structure used as
a place of residence by human beings.
Employment Agreement Employment Agreement is a written Agreement between employer and
employee, stating the terms of employment in an organization.
Endorsement Endorsement is a supplementary coverage option added to the base policy in
order to expand or extend the coverage provided. From a financial perspective,
endorsements may have an effect on the total premium paid for a policy, or may
not have an impact on the premium paid for the policy.
Event Event is anything that happens, or is contemplated as happening. From an
insurance perspective, an event is a situation that may impact the risk or
indemnification covered by a policy.
Expense Payment Expense Payment is the amount paid for the expenses to settle a claim in whole
or in part.
Expense Recovery Expense Recovery is the reimbursement of part or all of an Expense Payment.
Expense Reserve Expense Reserve is the amount set aside for the expected expenses to settle a
Claim.
Farm Equipment Farm Equipment is an Insured Object that is Equipment commonly used on a
Farm, for example a tractor, cultivator, plow, combine, grain elevator, milking
machine, etc.
Fee Fee is a charge imposed on the insurance company on an insurance policy either
as a service fee and/or from a government entity as a tax on the premium
charged.
Field Organization Unit A Sales Organization Unit is an example of the use of Party to define a
company’s internal organization geographic locations, usually to support sales
and marketing operations.
Financial Account Agreement A Financial Account Agreement is a kind of Agreement that is between a financial
services provider and an account holder and is related to the management of a
financial account.
Financial Adviser Financial Adviser is a Role played by a Person as a professional adviser offering
financial counsel. Some financial advisers charge a fee and earn commissions
on the products they recommend to implement their advice. Other advisers only
charge fees and do not sell any products or accept commissions. Some financial
advisers are generalists, while others specialize in specific areas, such as
investing, insurance, estate planning or taxes.

44 Property and Casualty Data Model, v1.0

 Entity Name Entity Definition

Financial Analyst Financial Analyst is a Role played by a Party who works for a financial institution
and is responsible for research and analysis of specific financial instruments,
portfolios, and strategies.
Financial Interest Role Financial Interest Role identifies the monetary or monetarily valued interest a
party has in the coverage. Examples are insured, beneficiary, etc.
Financial Service Financial Services Role is a subtype for Party Agreement Roles includes Insurer,
Policyholder, Assignee, etc.
Financial Services Assessment Financial Services Assessment is a kind of Assessment Result that focuses on
the finances of an individual or organization based on pre-defined characteristics
that identify the financial or monetary risks represented by the firm.
Financial Valuation Financial Valuation is an assessment result expressed in financial units.
Flat Flat is a Cancellation Event subtype that represents the full cancellation of a
policy where the policy is deemed to have never existed, no risk indemnification
has been provided, and a full return of premium is granted.
For Profit Organization For Profit Organization is a subtype of Organization and Party that is a means of
classifying an organization.
Fraud Assessment Fraud Assessment is a subtype of Assessment Result that identifies whether
fraud has occurred or is occurring, the extent and impact of the fraud, and to
determine who is responsible for the fraud.
Freight Group Freight Group is a kind of Insurable Object Group that addresses responsibility
for in transit goods.
Full Term Full Term is a type of endorsement where the changes made are effective on the
policy effective date and apply for the full term of the policy.
Geographic Location A Geographic Location is a bounded area defined by nature, by an external
authority (such as a government), or for an internal business purpose. Used to
identify a location in space that may or may not be a structured address.
Examples: country, city, continent, postal area, risk area, postal address,
property address.
Government Organization Government Organization is a kind of Organization with control of any asset,
industry, or enterprise at any level, national, regional, or local (municipal).
Group Agreement Group Agreement is a kind of contractual insurance Agreement provided to the
employer and detailing coverage provided to the group.
Grouping Grouping is an informal collection of people banded together through a common
situation. Example: Household or Project Team or professional group.
Health Care Provider Health Care Provider is a Role played by a Party who provides services
concerned with the maintenance or restoration of the health of the body or mind.
Household Household is a set of individuals, usually resident at the same address, and
members of the same nuclear or extended family, who share a common
economic interest and who are to be treated for certain purposes (for example,
marketing campaigns) as a unit.
Household Content Household Content is a categorization and description of all Insurable Objects
(personal property) within a residence, which details all items covered and
indemnified in the event an insurance claim must be filed.
Household Person Household Person is an individual who resides within a household.
Household Person Role Household Person Role defines an individual’s function within a household, such
as head of household.

Property and Casualty Data Model, v1.0 45

 Entity Name Entity Definition

Independent Adjuster Independent Adjuster is a Role played by a Party who handles a claim brought
against an insurance company or syndicate, and who is not an employee of the
insurance company.
Individual Agreement Individual Agreement is a kind of legal or contractual Agreement that an
Individual voluntarily enters.
Inhouse Adjuster Inhouse Adjuster is a Role played by a Party as an Adjuster who is an employee
of the Insurer or under contract by the Insurer.
Inpatient Inpatient is a Role played by a Person who is formally admitted (or hospitalized)
to an institution for treatment and/or care and stays for a minimum of one night
in the hospital or other institution providing inpatient care.
Insurable Object An Insurable Object is an item which may be included or excluded from an
insurance coverage or policy, either as the object for which possible damages of
the object or loss of the object is insured, or as the object for which damages
caused by the object are insured. Examples: residence, vehicle, class of
employees.
Insurable Object Party Role Insurable Object Party Role defines how the Party and the Insurable Object are
related. Examples: person is driver of vehicle, organization owns property.
Insurance Class Insurance Class is the high level type or line of insurance business in which the
organization is engaged (e.g., Property and Casualty or Life Insurance).
Insurance Rating Classification Code Insurance Rating Classification Code is a Code that varies by insurance line of
business and is used to define the rate for calculating premiums for various
coverages, types of insurable objects, and locations.
Insured Insured is a Role played by a Party whose interest in the subject matter of the
insurance is protected under the policy. The insured does not necessarily need
to be the policyholder or the beneficiary.
Insured Account Insured Account is an account at a brokerage firm, bank, savings and loan
association, or credit union that is insured either by a federal or private insurance.
This could also be an organization that has one or more contractual relationships
with a commercial lines insurer.
Insurer Insurer is a Role played by a Party who provides insurance.
Intermediary Agreement An Intermediary Agreement is a kind of Agreement that defines the ways in which
an intermediary can act on behalf of an insurance company.
Legal Adviser Legal Adviser is a Role played by a Party who is employed by another Party to
give legal guidance and advice on the way the latter party conducts business.
Legal Jurisdiction Legal Jurisdiction is a geographic or topical area of authority for a specific
government entity.
Legal Jurisdiction Party Identity Legal Jurisdiction Party Identity provides the identifier by which a party is known
to the designated legal jurisdiction, such as a drivers license number for a given
state jurisdiction.
Life Event Life Event is an incident that occurs during the lifetime of a Party and that may
have importance in a decision by the party to contemplate the purchase of
insurance (e.g., the birth of a child, a birthday, a graduation event).
Line Of Business Line Of Business is the kind of insurance business in which the organization is
engaged (e.g., property, liability, life, health).

46 Property and Casualty Data Model, v1.0

 Entity Name Entity Definition

Line Of Business Group Line of Business Group is the aggregation of insurance coverages or contracts
by an insurance carrier, either for internal reporting purposes or external
reporting purposes.
Litigation Litigation is a judicial contest through which legal rights are sought to be
determined and enforced.
Litigation Party Role Litigation Party Role defines how the Party relates to a Litigation case.
Location Address Postal Address is a Contact Point that is an address used for the delivery of
letters and packages by an external mailing or packaging service, at a place
where the recipient usually lives or works. Note that the exact structure of a
postal address is likely to change depending on the country of the postal
address.
Loss Payee Loss Payee is a Role played by a Party to whom losses under the policy will be
payable (e.g., a mortgagee).
Loss Payment Loss Payment is the amount paid to claimants to settle a claim.
Loss Recovery Loss Recovery is the reimbursement of part or all of a Loss Payment.
Loss Reserve Loss Reserve is the amount set aside for expected loss over the life of the Claim.
Manager Manager is a role played by an individual within an organization who defines and
communicates the work activities of others, makes decisions regarding the
allocation of resources, and legally engages in relationships with individuals and
organizations outside the organization.
Managing General Agent Managing General Agent is a role played by a wholesale insurance intermediary
with the authority to accept placements from (and often to appoint) retail agents
on behalf of an insurer. Managing general agents generally provide underwriting
and administrative services, such as policy issuance, on behalf of the insurers
they represent. These arrangements are most common in the surplus lines
marketplace. Typically, the MGAs benefit insurers because such expertise is not
always available within the company and would be more costly to develop on an
in-house basis.
Manufactured Object Manufactured Object is an Insurable Object that was made by machine or by
industrial process.
Medical Condition Medical Condition is an assessment of the health state and physical condition of
person, that may be covered or indemnified by an insurance policy.
Mid Term Mid Term is a type of endorsement that is applied to a policy whereby the
changes are made and effective at a point in time after the effective date and
before the expiration date of a policy term, and not from the effective date of the
policy.
Milking Machine Milking Machine is an Insurable Object that is a kind of Farm Equipment and is
an electric machine for milking cows.
Mobile Home Mobile Home is an Insured Object that is a dwelling unit manufactured in a
factory and designed to be transported to a site and semi permanently attached.
Motorcycle Motorcycle is an Insured Object that is a two or three wheeled automotive vehicle
for one or two people.
Mutual Fund Provider Mutual Fund Provider is a kind of Service Provider who offers shares in an
investment company that uses the capital to buy a diverse group of stocks from
other companies based on a stated set of investment objectives.

Property and Casualty Data Model, v1.0 47

 Entity Name Entity Definition

New Business New Business is a policy transaction by which an insurance policy is purchased
by or sold to an individual or organization where no current relationship exists for
that policy type with the insurance company. This operation is recognized when
the first premium is collected.
Not For Profit Organization Not For Profit Organization is a kind of Organization that has received a current
and appropriate government designation as a Not for Profit entity.
Object Assessment Object Assessment is the review and evaluation of a specific insured item for
validation of coverage.
Occurrence Occurrence is an event that results in bodily injury and/or property damage to a
third party. A clause that is common to most liability insurance policies stipulates
that all bodily injuries and/or property damages resulting from the same general
conditions are interpreted as resulting from one occurrence and thus subject to
the policy limits per occurrence.
Organization An Organization is a Party that is a business concern or a group of individuals
that are systematically bound by a common purpose. Organizations may be legal
entities in their own right. Examples: commercial organizations such as limited
companies, publicly quoted multinationals, subsidiaries.
Organization Unit An Organization Unit is a Division, Department, Territory or any other entity that
is used to manage company operations. Some but not all Organization Units are
legal entities.
Other Assessment Result Other Assessment Result is a kind of Assessment Result that is not covered by
other commonly listed options available.
Outpatient Outpatient is a Role played by a Person who is not formally admitted to a facility
(physician’s private office, hospital outpatient center, or ambulatory-care center)
for treatment and/or care and who does not stay overnight.
Party Party is a Person, Organization, or Grouping that can enter into a contract or
other legal proceeding, or which plays a role in the insurance industry.
Party Assessment Party Assessment is an associative entity that relates a Party to an Assessment.
Party Communication Party Communication links a party to a Communication Identity. Examples: a
person has a phone number, an organization has a website; both have an
address.
Party Preference Party Preference records preferences (in addition to communication ones) such
as language for persons or groups.
Party Relationship Party Relationship defines how two parties are linked to each other, such as
person works for an organization.
Party Relationship Role Party Relationship Role defines the role that one party plays with respect to
another party, such as a person working for an organization plays the role of
team leader. Party Relationship defines what a party is; Role defines what a party
does.
Party Role Party Role defines how a Party relates to another entity. Role is the definition of
what a Person, Organization, or Grouping DOES whereas Relationship is about
what a party IS.
Patient Patient is a Role played by a Person who is in contact with the health care system
seeking attention for a health condition.
Person Person is a Party who is a human being, either alive or dead.

48 Property and Casualty Data Model, v1.0

 Entity Name Entity Definition

Person Profession Person Profession is a title or career category that describes how an individual
earns a living. Examples: Doctor, Lawyer, Teacher, Carpenter, Entertainer.
Physical Location Physical Location is an area bounded by parameters such as Latitude and
Longitude, Altitude, Depth, etc.
Physical Object Assessment Physical Object Assessment is an assessment type that measures the risks
represented by ownership, utilization or proximity of the physical object. It
collects information regarding the likelihood of the object to contribute to the
probability of future loss under an insurance policy or contract issued.
Place Assessment Place Assessment is information regarding a location and/or physical structure
Policy that may impact its likelihood to contribute to the probability of future events that
Policy Amount may increase the risk under an insurance policy or contract issued.
______________________________________________________________
Policy is a kind of written Agreement that puts insurance coverage into effect.
_______________________________________________________________
Policy Amount is a central entity for defining all monies associated with a Policy.
Policy Coverage Detail Policy Coverage Detail defines the specific coverages within the terms of a
Policy.
Policy Coverage Part Policy Coverage Part is a major section of a Policy that organizes the coverages.
Typically, there are Coverage Parts for property and liability.
Policy Deductible Policy Deductible defines the Deductibles (attachment point for coverage)
associated with the policy coverages. Deductibles are the loss amounts paid by
the insured before insurance payments apply.
Policy Event Policy Event is an event that deals with servicing an insurance policy. Examples
would include Policy Renewal, Reinstatement, Cancellation, etc.
Policy Form A Policy Form is a typical document that explains the insurance coverages for a
policy. These are usually standard industry forms augmented by insurer-specific
cover pages and specialized addendums.
Policy Limit Policy Limit defines the Limits (highest amount of coverage or other limit
expression such as number of days compensation) associated with the policy
coverages.
Policy Relationship Policy Relationship defines the relationship between two policies.
Pre Qualification Pre Qualification is an Event resulting from the process of assuring that a risk will
be acceptable and a policy will be issued before either the application is received
or the policy is fully underwritten.
Premium Premium is money amount that is charged for the amount of insurance and the
coverage terms provided under the policy.
Premium Auditor Premium Auditor is the Role that determines the exposure basis for an insurance
policy (i.e., payroll, sales, or vehicle count) after the end of a policy period to
determine the actual (audited) exposure for the purpose of making a final
calculation of the premium and premium taxes.
Pro Rata Pro Rata is a type of cancellation Event where the policy is deemed to have been
effective for a period of time and only a pro rata amount of premium is returned
based on the time the policy was effective. The calculation methodology for the
pro rata amount can change from insurance company to insurance company.
Producer Producer is a role played by a Person who sells and services insurance policies
in the jurisdictions for which the person is licensed, and for the companies for
which the producer is appointed.

Property and Casualty Data Model, v1.0 49

 Entity Name Entity Definition

Product Product is the definition of what is agreed between the insurance company and
its customers as an item to be purchased as part of an insurance agreement.
Product Coverage Product Coverage is an associative entity that relates a Product to a Coverage.
It is a master reference data entity whose data specifies which Coverages apply
to which Products.
Product License Product License is an associative entity that relates a Product to a Jurisdiction in
which the Product is licensed. It is a master reference data entity whose data
specifies which Products are licensed in which Jurisdictions (usually States).
Professional Group Professional Grouping is a subtype example of a Grouping that is a subtype of
Party.
Project Project is a subtype example of a Grouping that is a subtype of Party.
Property in Transit Property in Transit is a kind of Insured Object Group that is property being
transported in any vehicle.
Prospect Prospect is a Role played by a Party who is a potential purchaser of an insurance
product.
Provider Provider is a role played by a party to provide a service or to take responsibility
for people who contract with them.
Provider Agreement Provider Agreement is a kind of Agreement between an individual or organization
which provides products and/or services, and the individual or organization
contracting for the products and/or services.
Public Adjuster Public Adjuster is a Role played by a Party who, as an Adjuster, represents the
interests of the claimant.
Quote Quote is a type of Event that is a price estimate for an insurance policy. The
estimate is considered not to be binding.
Rating Territory Rating Territory is a code developed to charge an adequate premium for the risk
within that geographic area.
Rating Territory Geographic Location Rating Territory Geographic Location is an associative entity that relates a Rating
Territory to a Geographic Location. It is a master reference entity whose data
specifies the Geographic Locations within the various Rating Territories.
Recovery Recovery is a kind of Claim Financial in which the insurance company attempts
to recoup monies distributed in error or monies due it through the actions or
inactions of others.
Recreational Vehicle Recreational Vehicle is an Insured Object that is a vehicle designed for
recreation, as in camping.
Regional Office A Regional Office is an Organization Unit of an insurance company’s operations
that may market, underwrite, and service the company’s lines of business within
a specified geographical area.
Reinstatement Reinstatement is a transaction that is applied to a policy to bring it back to actively
insured status from a state where the policy was cancelled.
Reinsurance Agreement Reinsurance Agreement is a kind of Agreement between the Reinsurer and the
Ceding Company that stipulates the manner in which the insurance liability
written on various Risks insured by the Ceding Company is to be shared, and the
cost of the risk sharing to the Ceding Company.
Reinsurance Recovery Reinsurance Recovery is the act of providing the appropriate information and
validation of a loss in order to receive payment from a reinsurance organization
providing either facultative or treaty reinsurance.

50 Property and Casualty Data Model, v1.0

 Entity Name Entity Definition

Renewal Renewal is the action of continuing the coverage provided by a policy from one
term to the next when the original term expires.
Residential Structure A Residential Structure is an Insured Object that is used for human habitation.
Risk Factor Score Risk Factor Score is a kind of Assessment Result that evaluates and ranks
orders the contribution a common factor has on the underlying Insurable Object.
Salvage Salvage is the attempt by an Insurance Company to recover value from an object
during the handling of a claim.
Scheduled Item A Scheduled Item is a kind of Insured Object that is specifically listed in a
property insurance contract, and insured separately from the standard property
insurance in order to receive the full value for a loss. Examples are: Expensive
jewelry, furs, paintings, electronics, etc.
Service Provider Service Provider is a party that provides services to or for the insurance
organization. Examples include: doctors, hospitals, laboratories, paramedics,
garages, experts, vendors, and other financial institutions.
Short Rate Short Rate is a subtype of Cancellation which is a subtype of Policy Event. Short
Rate means that when a policy is cancelled, the returned amount of premium is
less that the “pro rata” proportion of the time the policy was in effect.
Staff Staff is a Role played by a Person when working for compensation, whether
direct or indirect, for another Party in return for stipulated services.
Staff Classification Staff Classification is a designation of staff persons as to benefit elegibility and
level within an organization.
Staff Position Staff Position defines the specific job functions in the company.
Staff Position Assignment A Staff Position Assignment is an Organization Unit that is a particular position in
an organization which has a job title, responsibilities, and salary range and may
have other attributes such as office location, place in the reporting hierarchy, etc.
Staff Role Staff Role defines the position and status of a person in an organization for a
period of time.
Staff Work Assignment Staff Work Assignment tracks the association between a staff person and a work
area or work group within an organization. Example: a person works in an
organization and is assigned to a project team.
Staffing Agreement A Staffing Agreement is a written Agreement between employer and employee,
stating the terms of employment in an organization.
Staffing Organization A Staffing Organization (Employer) is a role played by a Party when that Party
hires and pays wages, thereby providing a livelihood to individuals who perform
work.
State State provides a reference list of U.S. States and Canadian Provinces.
Structure A Structure is an Insured Object that is a man-made building or construction.
Subcontractor Subcontractor is a Role played by a Party to whom a General Contractor or other
subcontractor sublets part or all of a contract.
Subrogation Subrogation is the legal process by which an insurance company, after paying a
loss, seeks to recover the amount of the loss from another party who is legally
liable for it.
Supplier Supplier is a Role played by a Party who supplies materials, products, or services
to others; firm in either the wholesale or the retail supply business.

Property and Casualty Data Model, v1.0 51

 Entity Name Entity Definition

Surcharge Surcharge is a charge imposed in excess of standard or normal charges for

products and services provided during an insurance activity. The surcharge may
be imposed by a governmental organization, an insurance company, or a third
party providing goods and services during an insurance event.
Tax Tax is a charge imposed by a governmental organization on individual and
organizations in exchange for governmental goods and services.
Team Team is a subtype example of a Grouping that is a subtype of Party.
Team Leader Team Leader is Role played by a Party responsible for running a project or
managing a group of people that provide support.
Team Member Team Member is Role played by a Party assigned to a project or who is part of a
work group that provides support.
Territory Territory is a subtype of Organization and is an example of how a company’s
organization structure can be represented as Party and Party Relationship.
Third Party Administrator Third Party Administrator is an organization that is not an insurance carrier but is
contracted to provide administrative services on behalf of the insurance carrier.
Third Party Staffing Agreement Third Party Staffing Agreement is an example of Agreement with a third party to
provide human resources for company.
Tractor Tractor is an Insurable Object that is a kind of Farm Equipment and is a powerful
motor-driven vehicle with large, heavy treads used for pulling farm equipment.
Trailer A Trailer is an Insured Object that is pulled by another Vehicle and is used for
transporting something.
Transportation Class Transportation Class is a subtype of Insurable Object that describes the kinds of
Transportation being insured. Transportation is a type of “Inland Marine”
insurance.
Truck A Truck is an Insured Object that is any of various motor vehicles designed for
carrying or pulling loads.
Underwriting Assessment Underwriting Assessment is an evaluation provided by an Underwriter who is
reviewing the proposed new or renewal policy to determine willingness to accept
the risk. Items that might be evaluated are the limits of insurance being
requested, the demographics of the location, the demographics of the requestor,
the condition of the Insurable Object, etc.
Van A Van is an Insured Object that usually is an enclosed Vehicle used for the
transportation of goods or animals.
Vehicle A Vehicle is an Insured Object that is a conveyance for transporting people and/
or goods.
Victim Victim is a Role played by a Party who is affected by any kind of loss, condition,
or event that results in the submission of a claim.
Watercraft A Watercraft is an Insured Object that is a Vehicle made for transportation on
water and primarily used for personal use. It may be motorized or may be
manually propelled.
Workers Comp Class Workers Comp Class is a Job classification covered by a policy providing
insurance coverage on medical and indemnity losses of employees of an
organization.
Authorization See Approval
Group See Grouping

52 Property and Casualty Data Model, v1.0

8.4 Attribute Definitions
This sub clause provides a listing of all attributes included in the P&C Data Model, and the text definition for each attribute.
The attributes are listed in alphabetical order.

Attribute Name Attribute Definition Domain Name

Account Identifier Account Identifier is the unique identifier of an Account. Account Identifier
Account Name Account Name is the wording userd to name an Account. Medium Name
Account Type Code Account Type Code represents the kind of account. Account Type Code
Examples: Customer account, billing account, sales
account.
Accounting Code Accounting Code is the budget or general ledger code that Accounting Code
can apply to any monies of a business.
Acronym Name Acronym Name is an abbreviated version of an Short Name
Organization’s name. Example: IBM, SMS, NBC,
Aggregate Limit Amount Aggregate Limit Amount is a limit of coverage that specifies Amount
the maximum amount (or other limit expression such as
number of days) to be paid regardless of any other factor.
Agreement Identifier Agreement Identifier is the unique identifier of an Agreement Identifier
Agreement.
Agreement Name Agreement Name is the wording used to name an Medium Name
Agreement.
Agreement Original Inception Agreement Original Inception Date is the date that an Inception Date
Date agreement first became effective and is never changed.
Agreement Type Code Agreement Type Code represents an Agreement category. Agreement Type Code
Examples: reinsurance agreement, commericial
agreement, service agreement.
Alternate Name Alternate Name is an alias or additional name used by an Long Name
Organization.
Altitude Mean Sea Level Altitude Mean Sea Level Value is the average sea level Medium Variable Value
Value height.
Altitude Value Altitude Value is the vertical distance or height measured Medium Variable Value
upward from sea level to a point in the atmosphere.
Amount Type Code Amount Type Code defines the category to which a Amount Type Code
monetary amount will be applied. Example: premium,
commission, taxes, surcharge.
Arbitration Description Arbitration Description is the text that defines a dispute Long Description
resolution mechanism designed to help aggrieved parties
recover damages.
Arbitration Identifier Arbitration Identifier is the unique identifier of a dispute Arbitration Identifier
resolution mechanism designed to help aggrieved parties
recover damages.
Assessment Description Assessment Description is text used to describe an Long Description
Assessment such as a Person or Object.
Assessment Identifier Assessment Identifier is the unique identifier of a grouping Assessment Identifier
of Assessments such as a Person or Object.

Property and Casualty Data Model, v1.0 53

 Attribute Name Attribute Definition Domain Name

Assessment Reason Assessment Reason Description defines the reason for the Medium Description
Description Assessment such as Fraud or Credit Rating check.
Assessment Result Identifier Assessment Result Identifier is a unique identifier for the Assesment Result Identifier
result of an assessment.
Assessment Result Type Assessment Result Type Code represents the definition of Assessment Result Type
Code the Result of an Assessment. Examples: Excellent Credit, Code
Fraud Risk, Unfavorable Demographic Location
Begin Date Begin Date is a date used throughout the model to reflect Begin Date
the best known date on which the related data was
recorded or changed. It may be the date of change
notification, the date of change was entered to a system
(preferably the system of record), or the date that the
related database was updated. The date that is used
should be consistent throughout the implemented solution.
Birth Date Birth Date is the year, month, and day that a person was Date
born.
Birth Place Name Birth Place Name is the city and state, province, prefecture, Medium Name
land, county (or other general areas) or country in which a
person was born.
Branch Office Identifier Branch Office Identifier is the Party ID for a Branch Office Party Identifier
which is a subtype of Organization which is subtype of
Party, and is an example of the use of Party to describe this
lowest level of a company’s organization structure.
Catastrophe Identifier Catastrophe Identifier is the uniue identifier for a Castrophe Identifier
Catastrophe.
Catastrophe Name Catastrophe Name is the wording assigned to a Medium Name
catastrophe by regulatory agency or Insurance Company.
Catastrophe Type Code Catastrophe Type Code represents the type of severe loss Castrophe Type Code
characterized by extreme force and/or sizable financial
loss.
Catastrophic Event Indicator Catastrophic Event Indicator indicates that an occurrence Indicator
is the result of a severe loss characterized by extreme
force and/or sizable financial loss.
Claim Amount Claim Amount is the financial amount reserved or paid in Amount
connection with a claim.
Claim Amount Identifier Claim Amount Identifier is the unique identifier of the Claim Amount Identifier
financial amount reserved, paid, or collected in connection
with a claim.
Claim Close Date Claim Close Date is the date that a claim is considered Date
resolved.
Claim Description Claim Description is the text describing the circumstances Long Description
which resulted in a claim.
Claim Folder Label Name Claim Folder Label Name is the wording used to identify a Medium Name
Claim Folder.
Claim Identifier Claim Identifier is the unique identifier for a Claim. Claim Identifier

54 Property and Casualty Data Model, v1.0

 Attribute Name Attribute Definition Domain Name

Claim Offer Identifier Claim Offer Identifier is the unique identifier for a Claim Claim Offer Identifier
Offer.
Claim Open Date Claim Open Date is the date that a claim or sub claim file is Date
set up and a potential claim is acknowledged.
Claim Reopen Date Claim Reopen Date is the date a previously closed claim is Date
reopened for further examination and additional handling.
Claim Reported Date Claim Reported Date is the date a claim is filed and Date
recorded by the Insurance carrier responsible for handling
the claim.
Claim Status Code Claim Status Code represents the current state of a claim Claim Status Code
setup and resolution. Example: Open, Pending Arbitration,
In Litigation, Closed.
Claims Made Date Claims Made Date is the date on which claims were made Date
during the extended reporting period of claims-made
contracts.
Communication Identifier Communication Identifier is the unique identifier for a Communication Identifier
communication specification used to contact a party, such
as a telephone number or address.
Communication Qualifier Communication Qualifier Value further describes a Long Variable Value
Value communication specification such as a telephone
extension, or a floor or room number within a building.
Communication Type Code Communication Type Code represents the kind of Communication Type Code
communication.
Communication Value Communication Value is the value assigned to a Long Variable Value
communication mechanism. Examples: the characters of
the phone number or email address.
Company Catastrophe Code Company Catastrophe Code is the Code assigned to a Company Catastrophe Code
Catastrophe by the Company.
Company Claim Number Company Claim Number is the number or alpha-numeric Company Claim Number
assigned to a claim by the company.
Company Code Company Code represents a statutory insurance Company Code
company. It can be self defined by the insurance company,
or a standard code such as a NAIC company code.
Company Description Company Description is the text that describes the Code Description
insurance company.
Company Identifier Company Identifier is a unique identifier for a company. Company Identifier
Company Name Company Name is the legal name of the insurance Code Name
company.
Company Subclaim Number Company Subclaim Number is the number assigned by the Company Subclaim Number
company to identify a specific claim for a specific entity that
is part of a larger claim.
Country Code Country Code is an abbreviation that is unique for each Country Code
country.
Court Identifier Court Identifier is a unique identifier for each court name Court Identifier
and jurisdiction.

Property and Casualty Data Model, v1.0 55

 Attribute Name Attribute Definition Domain Name

Court Name Court Name is the official name of a court. Medium Name
Coverage Description Coverage Description is a free form text definition of a Long Description
coverage.
Coverage Group Description Coverage Group Description is text that provides more Medium Description
detail about Coverage Group.
Coverage Group Identifier Coverage Group Identifier is a unique identifier for a Coverage Group Identifier
Coverage Group.
Coverage Group Name Coverage Group Name is the name given to the grouping Medium Name
of coverages.
Coverage Identifier Coverage Identifier is the unique identifier of a Coverage. Coverage Identifier
Coverage Inclusion Exclusion Coverage Inclusion Exclusion Code designates whether a Coverage Inclusion Exclusion
Code coverage is included or specifically excluded from the Code
related insurance policy.
Coverage Label Name Coverage Label Name is a consistent short name used to Long Name
identify a coverage on documents and reports.
Coverage Level Identifier Coverage Level Identifier is a unique identifier of the Coverage Level Identifier
Coverage Level definition.
Coverage Limit Description Coverage Limit Description is the textual description of the Medium Description
Coverage Limit.
Coverage Limit Name Coverage Limit Name is the name given to the Coverage Medium Name
Limit Type (e.g., Specified Amount, Insurance to Value).
Coverage Limit Type Identifier Coverage Limit Type Identifier is a unique identifier of a Coverage Limit Type Identifier
Coverage Limit Type.
Coverage Name Coverage Name is the wording used to name a coverage. Long Name
Coverage Part Code Coverage Part Code is an abbreviation for the Coverage Coverage Part Code
Part of an insurance policy.
Coverage Part Name Coverage Part Name is the wording used to distinguish a Medium Name
Coverage Part of a policy.
Coverage Type Description Coverage Type Description is the textual description of the Code Description
Coverage Type.
Coverage Type Identifier Coverage Type Identifier is the unique identifier of a Coverage Type Identifier
coverage category.
Coverage Type Name Coverage Type Name is the name given to the Coverage Medium Name
Type (e.g., Liability, Property, No Fault).
Deductible Basis Code Deductible Basis Code identifies whether the related Deductible Basis Code
Deductible Value is an amount or a percentage or number
of days, etc. that will be used to determine what an insured
person is expected to pay before reimbursement from the
insurance company begins.
Deductible Rate Deductible Rate is a rating factor used to calculate the Rate
premium charge for the deductible based on the Coverage
Level and Deductible selected.
Deductible Type Code Deductible Type Code represents the kind of deductible, Deductible Type Code
such as per occurrence, per person, etc.

56 Property and Casualty Data Model, v1.0

 Attribute Name Attribute Definition Domain Name

Deductible Value Deductible Value is the actual monetary amount, Deductible Value
percentage, or time period. Examples: $500, 10%, 90
days.
Department Identifier Department Identifier is a subtype of Party Identifier for an Organization Identifier
Organization that is a Department.
Document Link Value Document Link Value is an electronic address that Long Variable Value
identifies the location of a document.
Document Sequence Number Document Sequence Number defines the order in which Sequence Number
documents are presented.
Dun And Bradstreet Identifier Dun and Bradstreet Identifier is the unique DUNS Number Dun And Bradstreet Identifier
identifier assigned to a legal entity by Dun & Bradstreet.
Earning Begin Date Earning Begin Date is the date on which earnings will start Begin Date
to be recorded and accumulated for the associated Policy
Amount.
Earning End Date Earning End Date is the date on which earnings will stop End Date
being recorded and accumulated for the associated Policy
Amount.
Effective Date Effective Date is a point in time for when a contractual Effective Date
provision commences or goes into effect.
End Date End Date is the year, month, and day on which the End Date
associated data is no longer relevant or is scheduled to
stop.
Entry Into Claims Made Entry Into Claims Made Program Date is the date that the Date
Program Date insured registered with the claims made program.
Event Date Event Date is the date on which a transaction or insurance- Event Date
related happening takes place.
Event Identifier Event Identifier is a unique identifier of an Event. Event Identifier
Event Sub Type Code Event Sub Type Code represents a lower categorization of Event Sub Type Code
an event. Examples: within a policy event are renewal and
cancellation.
Event Type Code Event Type Code represents the kind of an event. Event Type Code
Examples: life event, business event, policy event, or loss
event.
Expiration Date Expiration Date is the year, month, and day when a Expiration Date
contractual term or coverage is ended or when a policy
expires.
First Name First Name is the given name of a Person Party. Short Name
Form Value Form Value is the set of characters used to identify an Policy Form Value
attachment to a property and casualty policy that makes it
operative.
Full Legal Name Full Legal Name is the name of a Person or Organization Medium Name
party, spelled out in full. Example: John D. Smith, PhD.
Gender Code Gender Code represents the sex of an Individual. Values Gender Code
are F=Female, M=Male, and U=Unknown or Not
Applicable.

Property and Casualty Data Model, v1.0 57

 Attribute Name Attribute Definition Domain Name

Geographic Location Geographic Location Identifier is the unique identifier of a Geographic Location Identifier
Identifier bounded area defined by nature, by an external authority
(such as a government), or for an internal business
purpose. Used to identify a location in space that is not a
structured address, for example: country, city, continent,
postal area, risk area.
Geographic Location Type Geographic Location Type Code represents the type of Geographic Location Type
Code Geographic Location (e.g., a State or a county, or a Code
building location).
Grouping Identifier Group Identifier is the unique Party Identifier of a Group, Grouping Identifier
which is a subtype of Party.
Grouping Name Group Name is the name assigned to a Group. Medium Name
Horizontal Accuracy Value Horizontal Accuracy Value defines the horizontal location Medium Variable Name
for a property (e.g., 1,000 feet from the hydrant).
Household Identifier Household Identifier is the unique identifier of a Household, Grouping Identifier
and, as a subtype of Group, is also a Group and Party
Identifier.
Industry Catastrophe Code Industry Catastrophe Code is a code assigned by Industry Catastrophe Code
regulatory agency to identify a single major loss occurring
on a specified date or to a single loss incurred over a
number of days.
Industry Code Industry Code is an external classification of industries, Industry Code
such as an SIC (Standard Industry Classification Code).
Example: 63nnnnnn is the classification series for
Insurance Carriers.
Industry Type Code Industry Type Code represents an Industry category that is Industry Type Code
important to the company. Example:Ffinancial Institution,
Healthcare.
Insurable Object Identifier Insurable Object Identifier is the unique identifier of an item Insurable Object Identifier
relevant to an Insurance coverage or policy as an inclusion
or an exclusion.
Insurable Object Type Code Insurable Object Type Code represents a category of an Insurable Object Type Code
item figuring in an insurance coverage or policy, having
commercial or exchange value that is owned by a
business, institution, or individual or adds to one’s wealth
or estate. These objects can be real (land and
attachments) and personal (movable effects not attached
to land).
Insurance Class Description Insurance Class Description is the textual description of the Code Description
Insurance Class.
Insurance Class Identifier Insurance Class Identifieris the unique identifier for an Insurance Class Identifier
Insurance Class.
Insurance Class Name Insurance Class Name is the name given to the Insurance Code Name
Class.

58 Property and Casualty Data Model, v1.0

 Attribute Name Attribute Definition Domain Name

Insurance Type Code Insurance Type Code represents the category under which Insurance Type Code
risk is assumed. Examples: Direct for policies directly
issued by a company; Assumed for risks assumed from
another company; Ceded for portions of risk ceded to
another insurer.
Jurisdiction Identifier Jurisdiction Identifier uniquely identifies a geographic or Jurisdiction Identifier
topical area of authority for a specific government entity.
Last Name Last Name is the family name of an Individual Party. Short Name
Latitude Value Latitude Value is the value on a grid of the globe that Latitude Or Longitude
locates the point horizontally East to West.
Legal Classification Code Legal Classification Code represents a legal category Legal Classification Code
under which the Party can operate.
Legal Entity Type Code Legal Entity Type Code represents a category of person or Legal Entity Type Code
organization that has the legal standing to enter into a
contract and may be sued for failure to perform as agreed
in the contract. It can be a type of partnership, corporation,
or other organization having the capacity to negotiate
contracts, assume financial obligations, and pay off debts.
Examples: Stock, Mutual, Fraternal, Reciprocal Exchange.
Legal Jurisdiction Description Legal Jurisdiction Description defines a geographic or Code Description
topical area of authority for a specific government entity.
Legal Jurisdiction Identifier Legal Jurisdiction Identity uniquely identifies a geographic Legal Jurisdiction Identifier
or topical area of authority for a specific government entity.
Legal Jurisdiction Name Legal Jurisdiction Name is the wording assigned to a Code Name
geographic wording assigned to a geographic or topical
area of authority for a specific government entity.
Legal Jurisdiction Party Legal Jurisdiction Party Identifier is the Legal Jurisdiction’s Legal Jurisdiction Party
Identifier Identifier for a Party. Example: State of PA, Taxpayer ID for Identifier
a company.
Licensed Product Name Licensed Product Name is the name given to an offering of Medium Name
protection against a risk or a service related to protection
that has been authorized by a regulatory agency to be
marketed to the public.
Limit Basis Code Limit Basis Code represents the basis on which to specify Limit Basis Code
the maximum extent of coverage that will be provided by an
insurance policy. Examples: Amount, Percentage, Days.
Limit Type Code Limit Type Code represents a category of limit coverage Limit Type Code
that will be provided by an insurance policy. Examples: Per
Occurrance, Per Person.
Limit Value Limit Value is the actual limit amount or percentage that will Limit Value
be provided by an insurance policy.
Line 1 Address Line 1 Address is the initial line of an address usually Medium Address
providing a building identifier and a street.
Line 2 Address Line 2 Address is the second line of an address that further Medium Address
qualifies an address. Example: XYZ Building Suite 123 or
Apt. F.

Property and Casualty Data Model, v1.0 59

 Attribute Name Attribute Definition Domain Name

Line Of Business Code Line Of Business Code represents the line of business, or Line Of Business Code
how the insured wants to track their products (e.g., CP -
Commercial Property, CA - Commercial Auto).
Line Of Business Description Line Of Business Description is the textual description of Code Description
the line of business coverage (e.g., Commercial Property,
Commercial Auto).
Line Of Business Group Line Of Business Group Description is the textual Code Description
Description description of the Line of business group.
Line Of Business Group Line Of Business Group Identifier is a unique identifier for Line Of Business Group
Identifier a set of Lines of Business that can be grouped for reporting Identifier
and analysis.
Line Of Business Group Line Of Business Group Name is the textual description of Code Name
Name Line of Business Group.
Line Of Business Identifier Line Of Business Identifier uniquely identifies a major kind Line Of Business Identifier
of insurance product, such as automobile, business
owners, etc.
Line Of Business Name Line Of Business Name is the identifying label given to a Code Name
line of business by the company, or by insurance
organizations and regulators. Examples: P&C, Oil &
Natural Gas, Fixed Income Investments.
Litigation Description Litigation Description is the text verbiage used to define the Long Description
type or extent of litigation.
Litigation Identifier Litigation Identifier uniquely identifies a process of filing a Litigation Identifier
lawsuit in the appropriate jurisdiction to settle a legal
dispute or controversy through which legal rights are
sought to be determined and enforced.
Location Address Identifier Location Address Identifier is assigned by the insurance Location Address Identifier
carrier to uniquely identify a physical site that generally
includes street number, street, city, state/province, postal
code, and country. This location can be a structure that
contains a home, commercial building, vehicle or items to
be insured, as well as a site where a party can receive mail.
Location Code Location Code is assigned externally by an insured party to Location Code
represent one of their locations.
Location Name Location Name is the wording assigned to name a place. Medium Name
Location Number Location Number is a number assigned and used internally Medium Variable Value
by an insured party to identify one of their locations.
Longitude Value Longitude Value is the value on a grid of the globe that Latitude or Longitude
locates the point Vertically north to south.
Maximum Per Claim Amount Maximum Per Claim Amount is the Limit that can be paid Amount
for any single event for which a claim is reported. This
amount is inclusive of all coverage provided by an
insurance policy.
Maximum Per Person Amount Maximum Per Person Amount is the Limit that can be paid Amount
to any person for the specified coverage per claim.

60 Property and Casualty Data Model, v1.0

 Attribute Name Attribute Definition Domain Name

Middle Name Middle name is a second name used by an individual to Short Name
further differentiate their name, and is often represented
with an initial.
Municipality Name Municipality Name is the wording used to identify limited Medium Name
geographic area responsible for maintenance of
throughways as well as a myriad of public services.
Nickname Nickname is a shorter version of a person’s name or an Short Name
alternate name by which the person prefers to be
addressed. Example: Bill for William.
Occurrence Begin Date Occurrence Begin Date is the date that a potential loss Begin Date
event commenced.
Occurrence Begin Time Occurrence Begin Time is the time of day at which a Time
potential loss event commenced.
Occurrence End Date Occurence End Date is the date that marks the ending of End Date
an event occurrence.
Occurrence End Time Occurrence End Time is the time of day at which an event Time
occurrence ceased.
Occurrence Identifier Occurrence Identifier uniquely identifies an event Occurrence Identifier
occurrence.
Occurrence Name Occurrence Name is the wording used to provide a familiar Medium Name
label for an event occurrence.
Organization Description Organization Description is a text used to describe an Long Description
Organization.
Organization Identifier Organization Identifier is the unique Party Identifier that is Organization Identifier
role-named to clarify the party as an organization.
Organization Name Organization Name is the wording used to identify an Medium Name
Organization and should be the legal name for the
organization.
Organization Type Code Organization Type Code is used to distinguish various Organization Type Code
types of internal and external organization.
Organization Unit Description Organization Unit Description provides distinguishing Medium Description
characteristics for the specific unit.
Organization Unit Name Organization Unit Name is the formal and distinct name for Medium Name
an organization unit within an overall Organization.
Parent Geographic Location Parent Geographic Location Identifier is the unique Geographic Location Identifier
Identifier identifier of a recursive higher level bounded area defined
by nature, by an external authority (such as a government)
or for an internal business purpose. Used to identify a
location in space that is not a structured address, for
example: country, city, continent, postal area, risk area.
Party Identifier Party Identifier is a unique identifier of Person, Party Identifier
Organization, or Grouping that can enter into a contract or
other legal proceeding, and plays a role in the insurance
industry.
Party Locality Code Party Locality Code represents the physical location of the Locality Code
party.

Property and Casualty Data Model, v1.0 61

 Attribute Name Attribute Definition Domain Name

Party Name Party Name is the wording used to name and (at least Medium Name
partially) identify a Person, Organization, or Grouping that
can enter into a contract or other legal proceeding, or play
a role in the insurance industry.
Party Role Code Party Role Code is an abbreviation of name of the role that Party Role Code
a Party plays with respect to another entity.
Party Role Description Party Role Description is text that defines how a Party Code Description
relates to another entity.
Party Role Name Party Role Name is the wording used to label a Party Role. Code Name
Party Routing Description Party Routing Description is the text definition of how Medium Description
information is to be sent to a party.
Party Type Code Party Type Code is an abbreviation that defines the kind of Party Type Code
Party. Example: Person, Organization, Grouping.
Person Identifier Person Identifier is the unique Party Identifier that is role- Person Identifier
named to clarify the party as a person.
Physical Location Identifier Physical Location Identifier is the unique identifier for a Physical Location Identifier
Physical Location.
Physical Location Name Physical Location Name is name given to the physical Medium Name
location of the property (e.g., Rockefeller Center).
Policy Amount Policy Amount is the monetary value of the insurance Amount
coverage premium, fees, commissions, and related
expenses (such as taxes and surcharges) for a policy.
Policy Amount Identifier Policy Amount Identifier is the unique identifier of the Policy Amount Identifier
monetary value of the insurance coverage premium, fees,
commissions, and related expenses (such as taxes and
surcharges) for a policy.
Policy Coverage Detail Policy Coverage Detail Identifier is the unique identifier of Policy Coverage Detail
Identifier each of the specific coverages within a Policy. Identifier
Policy Deductible Identifier Policy Deductible Identifier is the unique identifier of the Policy Deductible Identifier
amount of money that the policyholders must pay out of
their pockets before reimbutements from the insurance
company begin.
Policy Form Number Policy Form Number is the number assigned to the policy Policy Form Value
form that identifies the form. This is usually established by
the state or by ISO (Insurance Services Office).
Policy Identifier Policy Identifier is the unique identifier of a policy. Agreement Identifier
Policy Limit Identifier Policy Limit Identifier is the unique identifier for each limit Policy Limit Identifier
for each coverage, or for the entire policy, that is provided
by an insurance policy.
Policy Number Policy Number is the external identification for a policy. Policy Number Value
Postal Code Postal Code represents an alphanumeric code assigned to Postal Code
groups of addresses by various national postal systems
throughout the world to facilitate mail delivery.
Preference Day And Time Preference Day and Time Group Code represents the day Day and Time Group Code
Group Code and/or time that a party prefers to be contacted.

62 Property and Casualty Data Model, v1.0

 Attribute Name Attribute Definition Domain Name

Preference Sequence Preferred Sequence Number is a relatively assigned order Sequence Number
Number of an entry listed within another qualifying attribute for a
Party’s preference.
Preferred Language Code Preferred Language Code is the designation for the Language Code
language of choice for an Organization, Person, or
Grouping.
Prefix Name Prefix Name is the title added to the beginning of a name Prefix-Suffix Name
to further qualify. Examples: Mr., Mrs., Ms., Dr.
Product Description Product Description is the free form text definition that Medium Description
describes a product.
Product Identifier Product Identifier is the unique identifier for a product. Product Identifier
Profession Name Profession Name is the wording used to describe how an Medium Name
individual earns a living. Examples: Doctor, Lawyer,
Teacher, Carpenter, Entertainer.
Rating Territory Assigning Rating Territory Assigning Organization Identifier is the Organization Identifier
Organization Identifier Party Identifier of the Organization that manages the
Rating Territory being defined.
Rating Territory Code Rating Territory Code represents a geographic area that is Rating Territory Code
used to determine insurance rates.
Rating Territory Code Set Rating Territory Code Set Identifier is the unique identifier Rating Territory Code Set
Identifier for a set of Rating Territory Codes. Identifier
Rating Territory Identifier Rating Territory Identifier is the unique identifier for a Rating Territory Identifier
Rating Territory.
Regional Office Identifier Regional Office Identifier is a Party Identifier for a Regional Party Identifier
Office that can be a subtype of Organization which is
subtype of Party and is an example of the use of Party to
describe a company’s organization structure.
Related Party Identifier Related Party Identifier is the unique identifier of a Party Identifier
relationship between one party and another party.
Related Policy Identifier Related Policy Identifier is the unique identifier of a policy Agreement Identifier
that is related to another policy.
Relationship Begin Date Relationship Begin Date is the best known date on which a Begin Date
relationship began.
Relationship Code Relationship Code represents a relationship that ties Relationship Code
entities together.
Relationship Type Code Relationship Type Code represents the kind of relationship Relationship Type Code
that links one entity to another. Example: Business, Family,
Reporting.
Role Begin Date Role Begin Date is the best known date on which a role of Begin Date
a person or organization or grouping begins.
Rules Reference Description Rules Reference Description is the text used to refer or link Long Description
to rules related to the entity.
Settlement Offer Amount Settlement Offer Amount is the compensation offered by Amount
the insurance carrier to settle an insured’s claim.

Property and Casualty Data Model, v1.0 63

 Attribute Name Attribute Definition Domain Name

Settlement Offer Provision Settlement Offer Provision Description is the text definition Long Description
Description of a settlement offer provision.
Staff Classification Code Staff Classification Code represents classes of employees Staff Classification Code
versus consultants, based on part and full time, benefit
eligibility, etc. for a staff person.
Staff Classification Staff Classification Description is the full position Medium Description
Description description.
Staff Classification Name Staff Classification Name is the official name for the related Code Name
Staff Classification Code.
Staff Position Description Staff Position Description is the full position description. Code Description
Staff Position Identifier Staff Position Identifier is the unique identifier for a Staff Staff Position Identifier
Position that is a specific job function.
Staff Position Name Staff Position Name is the job or role title. Code Name
State Code State Code is a two character representation of a U.S. State Code
state or Canadian Province.
State Name State Name is the given name of the State (e.g., Code Name
Pennsylvania, New York).
Status Code Status Code represents the state of the related entity at a Status Code
point in time. Examples: A=Active, P=Pending,
C=Cancelled, T=Terminated.
Suffix Name Suffix Name is an extension added to the end of a name to Prefix-Suffix Name
further qualify it. Examples: M.D., PhD, Jr, Sr, III.
Territory Identifier Territory Identifier is a subtype of Organization which is Party Identifier
subtype of Party and is an example of the use of Party to
describe a company’s organization structure. The Territory
definition is often used for marketing or sales territories.
Travel Direction Description Travel Direction Description provides the instructions for Medium Description
driving to a particular location.
Vehicle Driving Wheel Vehicle Driving Wheel Quantity is the number of wheels Quantity
Quantity that control the vehicle (2 or 4).
Vehicle Identification Number Vehicle Identification Number (VIN) is an alphanumeric Medium Variable Value
series that includes make, model, and serial number for
each vehicle.
Vehicle Make Name Vehicle Make Name is the market brand name for the Short Name
maker of the vehicle. Example: Ford, Toyota.
Vehicle Model Name Vehicle Model Name is the market name for type of Short Name
vehicle. Example: Accord EX, Blazer.
Vehicle Model Year Vehicle Model Year is the annual series of vehicle model Year
manufacturing. Example: 2010 model year vehicles may
be manufactured from mid 2009 through mid 2010.
Vertical Accuracy Value Vertical Accuracy Value is the height of a location, for Medium Variable Value
example 4,000 foot height up the mountain.
Work Site Type Code Work Site Type Code defines the kind of workplace. Work Site Type Code
Example: Office Building, Plant, Farm.

64 Property and Casualty Data Model, v1.0

8.5 Relationship Definitions
This sub clause provides a listing of all relationships included in the P&C Data Model, and the text definition for each
relationship. The relationships are listed in alphabetical order by Parent Entity.

Parent Entity Parent to Child Relationship Child Entry Name Relationship

Name Phrase Cardinality Type
Account can be a Zero-to-One Insured Account Subtype
Account has party function One-to-Zero-One-or- Account Party Role Identifying
defined in More
Account groups One-to-Zero-One-or- Account Agreement Identifying
More
Account Role can be a Zero-to-One Prospect Subtype
Account Role can be a Zero-to-One Customer Subtype
Adjuster can be a Zero-to-One Public Adjuster Subtype
Adjuster can be a Zero-to-One Inhouse Adjuster Subtype
Adjuster can be a Zero-to-One Independent Adjuster Subtype
Administrative divides into One-to-Zero-One-or- Department Identifying
Organization Unit More
Agreement can be a Zero-to-One Reinsurance Agreement Subtype
Agreement can be a Zero-to-One Financial Account Subtype
Agreement
Agreement can be a Zero-to-One Brokerage Contract Subtype
Agreement can be a Zero-to-One Policy Subtype
Agreement can be a Zero-to-One Agency Contract Subtype
Agreement can be a Zero-to-One Individual Agreement Subtype
Agreement can be a Zero-to-One Intermediary Agreement Subtype
Agreement defines party One-to-One-or-More Agreement Party Role Identifying
responsibility in (P)
Agreement can be a Zero-to-One Commutation Agreement Subtype
Agreement can be a Zero-to-One Provider Agreement Subtype
Agreement can be a Zero-to-One Staffing Agreement Subtype
Agreement subject to One-to-Zero-One-or- Agreement Assessment Identifying
More
Agreement related to account in One-to-Zero-One-or- Account Agreement Identifying
More
Agreement can be a Zero-to-One Group Agreement Subtype
Agreement can be a Zero-to-One Commercial Agreement Subtype
Agreement can be a Zero-to-One Derivative Contract Subtype
Agreement Role can be a Zero-to-One Service Provider Subtype
Agreement Role can be a Zero-to-One Channel Role Subtype
Agreement Role can be a Zero-to-One Producer Subtype
Agreement Role can be a Zero-to-One Financial Interest Role Subtype

Property and Casualty Data Model, v1.0 65

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Agreement Role can be a Zero-to-One Supplier Subtype
Arbitration defines party function One-to-Zero-One-or- Arbitration Party Role Identifying
in More
Arbitration is concerned with One-to-Zero-One-or- Claim Arbitration Identifying
More
Arbitration is context for Zero-or-One-to-Zero- Claim Offer Non-identifying
One-or-More
Assessment is about One-to-Zero-One-or- Claim Assessment Identifying
More
Assessment is about One-to-Zero-One-or- Agreement Assessment Identifying
More
Assessment is about One-to-Zero-One-or- Object Assessment Identifying
More
Assessment One-to-Zero-One-or- Assessment Party Role Identifying
More
Assessment is about One-to-Zero-One-or- Party Assessment Identifying
More
Assessment results in Zero-or-One-to-Zero- Assessment Result Non-identifying
One-or-More
Assessment Result can be a Zero-to-One Claim Evaluation Result Subtype
Assessment Result can be a Zero-to-One Underwriting Assessment Subtype
Assessment Result can be a Zero-to-One Financial Services Subtype
Assessment
Assessment Result can be a Zero-to-One Demographic Score Subtype
Assessment Result can be a Zero-to-One Financial Valuation Subtype
Assessment Result can be a Zero-to-One Medical Condition Subtype
Assessment Result can be a Zero-to-One Other Assessment Result Subtype
Assessment Result can be a Zero-to-One Physical Object Assessment Subtype
Assessment Result can be a Zero-to-One Place Assessment Subtype
Assessment Result can be a Zero-to-One Risk Factor Score Subtype
Assessment Result can be a Zero-to-One Approval Subtype
Assessment Result can be a Zero-to-One Channel Score Subtype
Assessment Result can be a Zero-to-One Fraud Assessment Subtype
Assessment Result can be a Zero-to-One Credit Rating Subtype
Assessment Result can be a Zero-to-One Customer Score Subtype
Auditor can be a Zero-to-One Premium Auditor Subtype
Body Object can be a Zero-to-One Animal Subtype
Cancel can be a Zero-to-One Short Rate Subtype
Cancel can be a Zero-to-One Pro Rata Subtype
Cancel can be a Zero-to-One Flat Subtype

66 Property and Casualty Data Model, v1.0

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Catastrophe results in Zero-or-One-to-Zero- Claim Non-identifying
One-or-More
Claim documented in One-to-Zero-One-or- Claim Folder Identifying
More
Claim links to arbitration in One-to-Zero-One-or- Claim Arbitration Identifying
More
Claim linked to One-to-Zero-One-or- Claim Coverage Identifying
More
Claim settlement results in One-to-Zero-One-or- Claim Amount Non-identifying
More
Claim Contains subclaim in Zero-or-One-to-Zero- Claim Non-identifying
One-or-More
Claim Defines party One-to-Zero-One-or- Claim Party Role Identifying
responsibility in More
Claim is context for One-to-Zero-One-or- Litigation Party Role Identifying
More
Claim is context for One-to-Zero-One-or- Arbitration Party Role Identifying
More
Claim subject to One-to-Zero-One-or- Claim Assessment Identifying
More
Claim links to litigation in One-to-Zero-One-or- Claim Litigation Identifying
More
Claim Amount can be a Zero-to-One Ceded Claim Amount Subtype
Claim Amount can be a Zero-to-One Debit Claim Amount Subtype
Claim Amount can be a Zero-to-One Recovery Subtype
Claim Amount can be a Zero-to-One Credit Claim Amount Subtype
Claim Amount can be a Zero-to-One Claim Payment Subtype
Claim Amount can be a Zero-to-One Direct Claim Amount Subtype
Claim Amount can be a Zero-to-One Assumed Claim Amount Subtype
Claim Amount can be a Zero-to-One Claim Reserve Subtype
Claim Folder contains One-to-Zero-One-or- Claim Offer Non-identifying
More
Claim Folder contains One-to-Zero-One-or- Claim Folder Document Identifying
More
Claim Offer results in Zero-or-One-to-Zero- Claim Amount Non-identifying
One-or-More
Claim Payment can be a Zero-to-One Loss Payment Subtype
Claim Payment can be a Zero-to-One Expense Payment Subtype
Claim Reserve can be a Zero-to-One Loss Reserve Subtype
Claim Reserve can be a Zero-to-One Expense Reserve Subtype
Claim Role can be a Zero-to-One Claim Witness Subtype
Claim Role can be a Zero-to-One Loss Payee Subtype

Property and Casualty Data Model, v1.0 67

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Claim Role can be a Zero-to-One Patient Subtype
Claim Role can be a Zero-to-One Claimee Subtype
Claim Role can be a Zero-to-One Claim Examiner Subtype
Claim Role can be a Zero-to-One Claim Legal Expert Subtype
Claim Role can be a Zero-to-One Claim Administrator Subtype
Claim Role can be a Zero-to-One Claim Fraud Examiner Subtype
Claim Role can be a Zero-to-One Driver Subtype
Claim Role can be a Zero-to-One Claim Expert Subtype
Claim Role can be a Zero-to-One Claim Representative Subtype
Claim Role can be a Zero-to-One Victim Subtype
Claim Role can be a Zero-to-One Claimant Subtype
Communication is contact point for One-to-Zero-One-or- Party Communication Identifying
Identity More
Company conducts business in One-to-Zero-One-or- Company Jurisdiction Identifying
More
Company grants One-to-Zero-One-or- Product License Identifying
Jurisdiction More
Contractor can be a Zero-to-One Subcontractor Subtype
Court Jurisdiction Conducts Zero-or-One-to-Zero- Litigation Non-identifying
proceedings for One-or-More
Coverage applies to One-to-Zero-One-or- Product Coverage Identifying
More
Coverage offered at One-to-Zero-One-or- Coverage Level Identifying
More
Coverage is defined for policy in One-to-Zero-One-or- Policy Coverage Detail Non-identifying
More
Coverage Group consolidates Zero-or-One-to-Zero- Coverage Non-identifying
One-or-More
Coverage Limit Type defines One-to-Zero-One-or- Coverage Level Identifying
More
Coverage Part defines major policy One-to-Zero-One-or- Policy Coverage Part Identifying
section in More
Coverage Part defines major section Zero-or-One-to-Zero- Coverage Non-identifying
for One-or-More
Coverage Type categorizes Zero-or-One-to-Zero- Coverage Non-identifying
One-or-More
Endorsement can be a Zero-to-One Mid Term Subtype
Endorsement can be a Zero-to-One Audit Subtype
Endorsement can be a Zero-to-One Full Term Subtype
Event can be a Zero-to-One Claim Event Subtype
Event can be a Zero-to-One Policy Event Subtype
Event can be a Zero-to-One Life Event Subtype

68 Property and Casualty Data Model, v1.0

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Event can be a Zero-to-One Business Event Subtype
Farm Equipment can be a Zero-to-One Tractor Subtype
Farm Equipment can be a Zero-to-One Milking Machine Subtype
Farm Equipment can be a Zero-to-One Combine Subtype
Field Organization divides into One-to-Zero-One-or- Territory Identifying
Unit More
Financial Interest can be a Zero-to-One Insured Subtype
Role
Financial Interest can be a Zero-to-One Insurer Subtype
Role
Financial Interest can be a Zero-to-One Additional Interest Subtype
Role
Financial Service can be a Zero-to-One Financial Analyst Subtype
Financial Service can be a Zero-to-One Financial Adviser Subtype
Financial Service can be a Zero-to-One Account Provider Subtype
Geographic Location is site for Zero-or-One-to-Zero- Communication Identity Non-identifying
One-or-More
Geographic Location comprises One-to-Zero-One-or- Rating Territory Geographic Identifying
More Location
Geographic Location defines jurisdiction for One-to-Zero-One-or- Company Jurisdiction Identifying
More
Geographic Location is factored into One-to-Zero-One-or- Policy Amount Non-identifying
More
Geographic Location is site of Zero-or-One-to-Zero- Occurrence Non-identifying
One-or-More
Geographic Location defines statutory Zero-or-One-to-Zero- Policy Non-identifying
location for One-or-More
Geographic Location is site of Zero-or-One-to-Zero- Insurable Object Non-identifying
One-or-More (P)
Geographic Location is within Zero-or-One-to-Zero- Geographic Location Non-identifying
One-or-More
Grouping defines One-to-Zero-One-or- Staff Work Assignment Identifying
More
Grouping can be a Zero-to-One Professional Group Subtype
Grouping can be a Zero-to-One Team Subtype
Grouping can be a Zero-to-One Household Subtype
Grouping can be a Zero-to-One Project Subtype
Household includes One-to-Zero-One-or- Household Person Identifying
More
Household contains Zero-or-One-to-Zero- Household Content Non-identifying
One-or-More
Household Person has function defined One-to-Zero-One-or- Household Person Role Identifying
in More

Property and Casualty Data Model, v1.0 69

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Insurable Object is factored into Zero-or-One-to-Zero- Policy Amount Non-identifying
One-or-More
Insurable Object can be a Zero-to-One Manufactured Object Subtype
Insurable Object is covered as defined One-to-Zero-One-or- Policy Coverage Detail Non-identifying
in More
Insurable Object can be a Zero-to-One Transportation Class Subtype
Insurable Object has party interest One-to-Zero-One-or- Insurable Object Party Role Identifying
defined in More
Insurable Object can be a Zero-to-One Farm Equipment Subtype
Insurable Object involved in Zero-or-One-to-Zero- Claim Non-identifying
One-or-More
Insurable Object can be a Zero-to-One Body Object Subtype
Insurable Object can be a Zero-to-One Structure Subtype
Insurable Object subject to One-to-Zero-One-or- Object Assessment Identifying
More
Insurable Object can be a Zero-to-One Vehicle Subtype
Insurable Object can be a Zero-to-One Workers Comp Class Subtype
Insurance Class classifies One-to-Zero-One-or- Line of Business Non-identifying
More
Legal Jurisdiction defines jurisdiction in One-to-Zero-One-or- Legal Jurisdiction Party Identifying
More Identity
Line Of Business classifies One-to-Zero-One-or- Product Non-identifying
More
Line Of Business consolidates similar One-to-Zero-One-or- Line Of Business Non-identifying
Group More
Litigation party responsibility One-to-Zero-One-or- Litigation Party Role Identifying
defined in More
Litigation is context for Zero-or-One-to-Zero- Claim Offer Non-identifying
One-or-More
Litigation is concerned with One-to-Zero-One-or- Claim Litigation Identifying
More
Location Address details in Zero-or-One-to-Zero- Physical Location Non-identifying
or-One (Z)
Location Address used by Zero-or-One-to-Zero- Geographic Location Non-identifying
One-or-More
Occurrence results in Zero-or-One-to-One- Claim Non-identifying
or-More (P)
Organization can be a Zero-to-One Government Organization Subtype
Organization can be a Zero-to-One Not For Profit Organization Subtype
Organization can be a Zero-to-One For Profit Organization Subtype
Organization can be a Zero-to-One Organization Unit Subtype
Organization defines One-to-Zero-One-or- Staff Work Assignment Identifying
More

70 Property and Casualty Data Model, v1.0

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Litigation authorizes One-to-Zero-One-or- Staff Position Assignment Identifying
More
Organization Unit can be a Zero-to-One Field Organization Unit Subtype
Organization Unit can be a Zero-to-One Administrative Organization Subtype
Unit
Insurable Object can be a Zero-to-One Vehicle Subtype
Insurable Object can be a Zero-to-One Workers Comp Class Subtype
Insurance Class classifies One-to-Zero-One-or- Line Of Business Non-identifying
More
Legal Jurisdiction Defines jurisdiction in One-to-Zero-One-or- Legal Jurisdiction Party Identifying
More Identity
Line Of Business classifies One-to-Zero-One-or- Product Non-identifying
More
Line Of Business consolidates similar One-to-Zero-One-or- Line Of Business Non-identifying
Group More
Litigation party responsibility One-to-Zero-One-or- Litigation Party Role Identifying
defined in More
Litigation is context for Zero-or-One-to-Zero- Claim Offer Non-identifying
One-or-More
Litigation is concerned with One-to-Zero-One-or- Claim Litigation Identifying
More
Location Address details in Zero-or-One-to-Zero- Physical Location Non-identifying
or-One (Z)
Location Address used by Zero-or-One-to-Zero- Geographic Location Non-identifying
One-or-More
Occurrence results in Zero-or-One-to-One- Claim Non-identifying
or-More (P)
Organization can be a Zero-to-One Government Organization Subtype
Organization can be a Zero-to-One Not For Profit Organization Subtype
Organization can be a Zero-to-One For Profit Organization Subtype
Organization can be a Zero-to-One Organization Unit Subtype
Organization defines One-to-Zero-One-or- Staff Work Assignment Identifying
More
Organization authorizes One-to-Zero-One-or- Staff Position Assignment Identifying
More
Organization Unit can be a Zero-to-One Field Organization Unit Subtype
Organization Unit can be a Zero-to-One Administrative Organization Subtype
Unit
Insurable Object can be a Zero-to-One Vehicle Subtype
Insurable Object can be a Zero-to-One Workers Comp Class Subtype
Insurance Class classifies One-to-Zero-One-or- Line Of Business Non-identifying
More

Property and Casualty Data Model, v1.0 71

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Legal Jurisdiction Defines jurisdiction in One-to-Zero-One-or- Legal Jurisdiction Party Identifying
More Identity
Line Of Business classifies One-to-Zero-One-or- Product Non-identifying
More
Line Of Business consolidates similar One-to-Zero-One-or- Line Of Business Non-identifying
Group More
Litigation party responsibility One-to-Zero-One-or- Litigation Party Role Identifying
defined in More
Litigation is context for Zero-or-One-to-Zero- Claim Offer Non-identifying
One-or-More
Litigation is concerned with One-to-Zero-One-or- Claim Litigation Ientifying
More
Location Address details in Zero-or-One-to-Zero- Physical Location Non-identifying
or-One (Z)
Location Address used by Zero-or-One-to-Zero- Geographic Location Non-identifying
One-or-More
Occurrence results in Zero-or-One-to-One- Claim Non-identifying
or-More (P)
Organization can be a Zero-to-One Government Organization Subtype
Organization can be a Zero-to-One Not For Profit Organization Subtype
Organization can be a Zero-to-One For Profit Organization Subtype
Organization can be a Zero-to-One Organization Unit Subtype
Organization defines One-to-Zero-One-or- Staff Work Assignment Identifying
More
Organization authorizes One-to-Zero-One-or- Staff Position Assignment Identifying
More
Organization Unit can be a Zero-to-One Field Organization Unit Subtype
Organization Unit can be a Zero-to-One Administrative Organization Subtype
Unit
Party assigned account One-to-Zero-One-or- Account Party Role Identifying
responsibility in More
Party assigned claim One-to-Zero-One-or- Claim Party Role Identifying
responsibility through More
Party can be a Zero-to-One Organization Subtype
Party is contacted through One-to-Zero-One-or- Party Communication Identifying
More
Party assigned insurable One-to-Zero-One-or- Insurable Object Party Role Identifying
object responsibility More
through
Party relates from another One-to-Zero-One-or- Party Relationship Identifying
party in More
Party One-to-Zero-One-or- Assessment Party Role Identifying
More
Party can be a Zero-to-One Grouping Subtype

72 Property and Casualty Data Model, v1.0

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Party relates to another One-to-Zero-One-or- Party Relationship Identifying
party in More
Party assigned arbitration One-to-Zero-One-or- Arbitration Party Role Identifying
responsibility through More
Party Assigned litigation One-to-Zero-One-or- Litigation Party Role Identifying
responsibility through More
Party can be a Zero-to-One Person Subtype
Party defines party One-to-Zero-One-or- Agreement Party Role Identifying
responsibility in More
Party is legally identified One-to-Zero-One-or- Legal Jurisdiction Party Identifying
through More Identity
Party designates One-to-Zero-or-One Party Preference Identifying
(Z)
Party subject to One-to-Zero-One-or- Party Assessment Identifying
More
Party Relationship Responsibility defined One-to-Zero-One-or- Party Relationship Role Identifying
in More
Party Role defines One-to-Zero-One-or- Claim Party Role Identifying
More
Party Role defines One-to-Zero-One-or- Staff Work Assignment Identifying
More
Party Role can be a Zero-to-One Agreement Role Subtype
Party Role can be a Zero-to-One Staff Role Subtype
Party Role can be a Zero-to-One Provider Subtype
Party Role defines One-to-Zero-One-or- Agreement Party Role Identifying
More
Party Role can be a Zero-to-One Adjuster Subtype
Party Role can be a Zero-to-One Claim Role Subtype
Party Role defines One-to-Zero-One-or- Insurable Object Party Role Identifying
More
Party Role defines One-to-Zero-One-or- Arbitration Party Role Identifying
More
Party Role can be a Zero-to-One Account Role Subtype
Party Role defines One-to-Zero-One-or- Litigation Party Role Identifying
More
Party Role defines One-to-Zero-One-or- Account Party Role Identifying
More
Party Role designates One-to-Zero-One-or- Party Relationship Role Identifying
responsibility through More
Party Role defines One-to-Zero-One-or- Household Person Role Identifying
More
Party Role can be a Zero-to-One Staff Subtype
Party Role can be a Zero-to-One Staffing Organization Subtype

Property and Casualty Data Model, v1.0 73

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Party Role One-to-Zero-One-or- Assessment Party Role Identifying
More
Patient can be a Zero-to-One Inpatient Subtype
Patient can be a Zero-to-One Outpatient Subtype
Person links to a household One-to-Zero-One-or- Household Person Identifying
as a More
Person designated to One-to-Zero-One-or- Staff Work Assignment Identifying
More
Person has expertise defined One-to-Zero-One-or- Person Profession Identifying
in More
Person subject to One-to-Zero-One-or- Party Assessment Identifying
More
Person designated for One-to-Zero-One-or- Staff Position Assignment Identifying
More
Physical Location provides technical Zero-or-One-to-Zero- Geographic Location Non-identifying
details for One-or-More
Policy relates from another One-to-Zero-One-or- Policy Relationship Identifying
through More
Policy major sections One-to-One-or-More Policy Coverage Part Identifying
defined in (P)
Policy relates to another One-to-Zero-One-or- Policy Relationship Identifying
through More
Policy pricing determines Zero-or-One-to-Zero- Policy Amount Non-identifying
One-or-More
Policy life cycle defined Zero-or-One-to-Zero- Policy Event Non-identifying
through One-or-More
Policy contract issued as One-to-Zero-One-or- Policy Form Identifying
More
Policy Amount can be a Zero-to-One Fee Subtype
Policy Amount can be a Zero-to-One Credit Policy Amount Subtype
Policy Amount can be a Zero-to-One Ceded Policy Amount Subtype
Policy Amount can be a Zero-to-One Assumed Policy Amount Subtype
Policy Amount can be a Zero-to-One Surcharge Subtype
Policy Amount can be a Zero-to-One Tax Subtype
Policy Amount can be a Zero-to-One Premium Subtype
Policy Amount can be a Zero-to-One Direct Policy Amount Subtype
Policy Amount can be a Zero-to-One Debit Policy Amount Subtype
Policy Coverage specifies Zero-or-One-to-Zero- Policy Limit Non-identifying
Detail One-or-More
Policy Coverage defines One-to-Zero-One-or- Claim Coverage Identifying
Detail More
Policy Coverage pricing determines Zero-or-One-to-Zero- Policy Amount Non-identifying
Detail One-or-More

74 Property and Casualty Data Model, v1.0

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Policy Coverage specifies Zero-or-One-to-Zero- Policy Deductible Non-identifying
Detail One-or-More
Policy Coverage provides grouping for One-to-One-or-More Policy Coverage Detail Non-identifying
Part (P)
Policy Event can be a Zero-to-One Binding Subtype
Policy Event can be a Zero-to-One Pre Qualification Subtype
Policy Event can be a Zero-to-One New Business Subtype
Policy Event can be a Zero-to-One Endorsement Subtype
Policy Event can be a Zero-to-One Cancel Subtype
Policy Event can be a Zero-to-One Reinstatement Subtype
Policy Event can be a Zero-to-One Renewal Subtype
Policy Event can be a Zero-to-One Quote Subtype
Producer can be a Zero-to-One Broker Subtype
Producer can be a Zero-to-One Agent Subtype
Producer can be a Zero-to-One Managing General Agent Subtype
Product defines market space Zero-or-One-to-Zero- Agreement Non-identifying
of One-or-More
Product includes One-to-Zero-One-or- Product Coverage Identifying
More
Product authorized for sale by One-to-Zero-One-or- Product License Identifying
More
Provider can be a Zero-to-One Mutual Fund Provider Subtype
Provider can be a Zero-to-One Legal Adviser Subtype
Provider can be a Zero-to-One Auditor Subtype
Provider can be a Zero-to-One Financial Service Subtype
Provider can be a Zero-to-One Contractor Subtype
Provider can be a Zero-to-One Buyer Subtype
Provider can be a Zero-to-One Attorney Subtype
Provider can be a Zero-to-One Health Care Provider Subtype
Provider can be a Zero-to-One Third Party Administrator Subtype
Rating Territory consists of One-to-Zero-One-or- Rating Territory Geographic Identifying
More Location
Recovery can be a Zero-to-One Loss Recovery Subtype
Recovery can be a Zero-to-One Expense Recovery Subtype
Recovery can be a Zero-to-One Deductible Recovery Subtype
Recovery can be a Zero-to-One Salvage Subtype
Recovery can be a Zero-to-One Subrogation Subtype
Recovery can be a Zero-to-One Reinsurance Recovery Subtype
Regional Office divides into One-to-Zero-One-or- Branch Office Identifying
More

Property and Casualty Data Model, v1.0 75

 Parent Entity Parent to Child Relationship Child Entry Name Relationship
Name Phrase Cardinality Type
Reinsurance provides risk sharing Many-to-Many Policy Many-Many
Agreement for
Residential Structure can be a Zero-to-One Mobile Home Subtype
Residential Structure can be a Zero-to-One Dwelling Subtype
Staff Classification designated for Zero-or-One-to-Zero- Staff Position Non-identifying
One-or-More
Staff Position filled through One-to-Zero-One-or- Staff Position Assignment Identifying
More
Staff Role can be a Zero-to-One Accountability Subtype
Staff Role can be a Zero-to-One Manager Subtype
Staff Role can be a Zero-to-One Team Leader Subtype
Staff Role can be a Zero-to-One Team Member Subtype
Staffing Agreement can be a Zero-to-One Employment Agreement Subtype
Staffing Agreement can be a Zero-to-One Third Party Staffing Subtype
Agreement
Staffing Agreement can be a Zero-to-One Consultant Contract Subtype
State contains Zero-or-One-to-Zero- Location Address Non-identifying
One-or-More
State is site of Zero-or-One-to-Zero- Geographic Location Non-identifying
One-or-More
Structure can be a Zero-to-One Commercial Structure Subtype
Structure can be a Zero-to-One Residential Structure Subtype
Structure can be a Zero-to-One Combination Structure Subtype
Territory divides into One-to-Zero-One-or- Regional Office Identifying
More
Transportation Class can be a Zero-to-One Scheduled Item Subtype
Transportation Class can be a Zero-to-One Freight Group Subtype
Transportation Class can be a Zero-to-One Household Content Subtype
Transportation Class can be a Zero-to-One Property In Transit Subtype
Vehicle can be a Zero-to-One Watercraft Subtype
Vehicle can be a Zero-to-One Trailer Subtype
Vehicle can be a Zero-to-One Recreational Vehicle Subtype
Vehicle can be a Zero-to-One Truck Subtype
Vehicle can be a Zero-to-One Automobile Subtype
Vehicle can be a Zero-to-One Construction Vehicle Subtype
Vehicle can be a Zero-to-One Van Subtype
Vehicle can be a Zero-to-One Motorcycle Subtype
Vehicle can be a Zero-to-One Bus Subtype
Vehicle can be a Zero-to-One Boat Subtype

76 Property and Casualty Data Model, v1.0

8.6 Domain Definitions

Domain Type Domain Domain Domain Definition Domain Data

Parent Name Type
<default> CHAR(18)
Blob LARGE BINARY
Datetime DATE
Datetime Datetime Date Date is a Gregorian date that includes DATE
year, month, and day only, and should be
stored in that order. It does not include
time of day.
Datetime Date Begin Date Begin Date is the month, day, and year DATE
on which something is secheduled to
start.
Datetime Date Effective Date Effective Date is the date on which DATE
something was activated and went into
effect.
Datetime Date End Date End Date is the month, day, and year on DATE
which something is scheduled to stop.
Datetime Date Event Date Event Date is the date that an event took DATE
place.
Datetime Date Expiration Date Expiration Date is the date on which DATE
something is no longer active or valid.
Datetime Date Inception Date Inception Date is the original effective DATE
date of a contract that can be renewed
and continue from one time period to
another.
Datetime Datetime Time Time specifies the Hour, Minute, and TIME
Second of a 24-hour day.
Number INTEGER
Number Number Amount Amount is a Number expressed to DECIMAL(15,2)
represent a monetary value.
Number Number Date Date Component is a Year or Month or INTEGER
Component Day Number to be used when only a
portion of a date is needed.
Number Date Component Day Number Day is the numbered date within a Month. NUMBER(2)
Examples: 01-31.
Number Date Component Month Number Month is the numbered month within a NUMBER(2)
Year. Examples: 1-12.
Number Date Component Quarter Number Quarter is the designated period of time INTEGER
that would represent 1/4th of a year
which in sum would add to 4 quarters of a
full gregorian year.
Number Date Component Year Number Year is the number of the year. Example: NUMBER(4)
1999, 2000, 2020.

Property and Casualty Data Model, v1.0 77

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
Number Number Identifier Identifier is a whole number assigned to INTEGER
uniuely identify an instance within a
designated entity.
Number Identifier Account Account Identifier is the unique identifier INTEGER
Identifer for an Account.
Number Identifier Agreement Agreement Identifier is the unique INTEGER
Identifier identifier for an Agreement.
Number Identifier Arbitration Arbitration Identifier is the unique INTEGER
Identifier identifier for an Arbitration arrangement.
Number Identifier Assessment Assessment Identifier is the unique INTEGER
Identifier identifier for an Assessment.
Number Identifier Assessment Assessment Result Identifier is the INTEGER
Result Identifier unique identifier for an Assessment
Result.
Number Identifier Catastrophe Catastrophe Identifier is the unique INTEGER
Identifier identifier for a Catastrophe.
Number Identifier Claim Amount Claim Amount Identifier is the unique INTEGER
Identifier identifier for a Claim Amount.
Number Identifier Claim Identifier Claim Identifier is the unique identifier for INTEGER
a Claim.
Number Identifier Claim Offer Claim Offer Identifier is the unique INTEGER
Identifier identifier a Claim Offer.
Number Identifier Communication Communication Identifier is the unique INTEGER
Identifier identifier for a Communication
arrangement.
Number Identifier Company Company Identifier is the unique identifier INTEGER
Identifier for Company.
Number Identifier Court Identifier Court Identifier is the unique identifier for INTEGER
a Court.
Number Identifier Coverage Group Coverage Group Identifier is the unique INTEGER
Identifier identifier for a Coverage Group.
Number Identifier Coverage Coverage Identifier is the unique INTEGER
Identifier identifier for a Coverage.
Number Identifier Coverage Level Coverage Level Identifier is the unique INTEGER
Identifier identifier for a Coverage Level.
Number Identifier Coverage Limit Coverage Limit Type Identifier is the INTEGER
Type Identifier unique identifier for a Coverage Limit
Type.
Number Identifier Coverage Type Coverage Type Identifier is the unique INTEGER
Identifier identifier for a Coverage Type.
Number Identifier Date Identifier Date Identifier is a unique number for INTEGER
each year, month, and day (can be the
numbers for yyyymmdd).

78 Property and Casualty Data Model, v1.0

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
Number Identifier Dun And Dun And Bradstreet Identifier is the INTEGER
Bradstreet unique DUNS Number Identifier
Identifier assigned to a legal entity by Dun &
Bradstreet.
Number Identifier Event Identifier Event Identifier is the unique identifier for INTEGER
an Event.
Number Identifier Geographic Geographic Location Identifier is the INTEGER
Location unique identifier for a Geographic
Identifier Location.
Number Identifier Grouping Grouping Identifier of the unique Party INTEGER
Identifier Identifier for a Grouping.
Number Identifier Insurable Object Insurable Object Identifier is the unique INTEGER
Identifier identifier for an Insurable Object.
Number Identifier Insurance Class Insurance Class Identifier is the unique INTEGER
Identifier identifier for an Insurance Class.
Number Identifier Jurisdiction Jurisdiction Identifier is the unique INTEGER
Identifier identifier for a Jurisdiction.
Number Identifier Legal Legal Jurisdiction Identifier is the unique INTEGER
Jurisdiction identifier for a Legal Jurisdiction.
Identifier
Number Identifier Legal Legal Jurisdiction Party Identifier is the INTEGER
Jurisdiction unique identifier assigned by a Legal
Party Identifier Jurisdiction to identify a Party.
Number Identifier Line Of Line Of Business Group Identifier is the INTEGER
Business Group unique identifier for a Line Of Business
Identifier Group.
Number Identifier Line Of Line Of Business Identifier is the unique INTEGER
Business identifier for a Line Of Business.
Identifier
Number Identifier Litigation Litigation Identifier is the unique identifier INTEGER
Identifier for a Litigation proceeding.
Number Identifier Location Location Address Identifier is the unique INTEGER
Address identifier for a Location Address..
Identifier
Number Identifier Occurrence Occurrence Identifier is the unique INTEGER
Identifier identifier for an Occurrence.
Number Identifier Party Identifier Party Identifier is the unique identifier for INTEGER
a Party.
Number Party Identifier Organization Organization Identifier is the unique INTEGER
Identifier identifier for a Party that is an
Organization or Organization Unit.

Property and Casualty Data Model, v1.0 79

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
Number Organization Branch Office Branch Office is an Organization Unit that INTEGER
Identifier Identifier is a local business location of an
insurance company that markets and/or
services its products and lines of
insurance within and to a specified
geographic location.
Number Organization Department Department is an Organization Unit that INTEGER
Identifier Identifier groups individuals with common or
related jobs to accomplish certain
common or related functions. An
example is the Payroll Department.
Number Organization Regional Office A Regional Office is an Organization Unit INTEGER
Identifier Identifier of an insurance company’s operations
that may market, underwrite, and service
the company’s lines of business within a
specified geographical area.
Number Organization Territory Territory is a subtype of Organization and INTEGER
Identifier Identifier is an example of how a company’s
organization structure can be
represented as Party and Party
Relationship.
Number Party Identifier Person Identifier Person Identifier is the unique identifier INTEGER
for a Party that is a Person.
Number Identifier Physical Physical Location Identifier is the unique INTEGER
Location identifier for a Physical Location.
Identifier
Number Identifier Policy Amount Policy Amount Identifier is the unique INTEGER
Identifier identifier for a Policy Amount.
Number Identifier Policy Coverage Policy Coverage Detail Identifier is the INTEGER
Detail Identifier unique identifier for a Policy Coverage
Detail entry.
Number Identifier Policy Policy Deductible Identifier is the unique INTEGER
Deductible identifier for a Policy Deductible entry.
Identifier
Number Identifier Policy Identifier Policy Identifier is the unique identifier for INTEGER
a Policy.
Number Identifier Policy Limit Policy Limit Identifier is the unique INTEGER
Identifier identifier for a Policy Limit entry.
Number Identifier Product Product Identifier is the unique identifier INTEGER
Identifier for a Product.
Number Identifier Rating Territory Rating Territory Code Set Identifier is the INTEGER
Code Set unique identifier for a set of Rating
Identifier Territory Codes.
Number Identifier Rating Territory Rating Territory Identifier is the unique INTEGER
Identifier identifier for a Rating Territory.
Number Identifier Staff Position Staff Position Identifier is the unique INTEGER
Identifier identifier for Staff Position.

80 Property and Casualty Data Model, v1.0

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
Number Number Percent Percent is a number expressed in relation DECIMAL(7,4)
to a total of 100 percent, in decimal form.
Number Number Quantity Quantity is the number of items against INTEGER
which arithmetic functions can be
applied.
Number Number Rate Rate is a multiplier used to calculate an DECIMAL(5,5)
amount or quantity and is usually
expressed as a rate per unit.
Number Number Sequence Sequence Number is a relative order of INTEGER
Number an entry listed within another qualifying
attribute.
String VARCHAR(20)
String Address Address is text that defines a single line VARCHAR(1000)
of a physical or mailing location or and an
electronic link or address. Based on an
associated type code, the format and
content can be validated.
String Address Long Address Long Address is an extra long amount of VARCHAR(1000)
text that defines a link to a specific
webpage or a long electronic address or
a long unformatted physical address.
String Address Medium Medium Address is averaged sized text VARCHAR(200)
Address that defines a physical or mailing location
or an electronic link or address.
String Address Short Address Short Address is one line of text or a VARCHAR(100)
single address for a physical location or
e-mail address.
String String Code Code is a value used to represent a VARCHAR(20)
condition of a data element.
String Code Account Type Account Type Code represents an VARCHAR(5)
Code Account category. Examples: customer
account, billing account, sales account.
String Code Accounting Accounting Code represents an VARCHAR(20)
Code accounting mechanism to which monies
are associated for accounting purposes.
Example: General Ledger.
String Code Agreement Type Agreement Type Code represents an VARCHAR(5)
Code Agreement category. Examples:
reinsurance agreement, commercial
agreement, service agreement.
String Code Amount Type Amount Type Code represents an VARCHAR(20)
Code amount category.
String Code Assessment Assessment Result Type Code VARCHAR(20)
Result Type represents the type of assessment being
Code done. Examples: underwriting
assessment, valuation assessment.

Property and Casualty Data Model, v1.0 81

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
String Code Catastrophe Catastrophe Type Code represents the VARCHAR(20)
Type Code kind of catastrophe. Example: hurricane,
flood.
String Code Claim Status Claim Status Code represents the status VARCHAR(5)
Code of a claim. Examples: Active, Pended,
Closed.
String Code Communication Communication Type Code represents VARCHAR(20)
Type Code the kind of communication.
String Code Company Company Catastrophe Code is the Code VARCHAR(8)
Catastrophe assigned to a Catastrophe by the
Code Company.
String Code Company Code Company Code represents a statutory VARCHAR(5)
insurance company. It can be self defined
by the insurance company, or a standard
code such as a NAIC company code.
String Code Contact Contact Preference Code represents the VARCHAR(20)
Preference communication options selected by a
Code party through which they want to be
contacted.
String Code Country Code Country Code is an abbreviation that is CHAR(3)
unique for each country.
String Code Coverage Coverage Inclusion Exclusion Code CHAR(1)
Inclusion represents a coverage as included or
Exclusion Code excluded in the policy. Examples: I -
Inclusion, E - Exclusion.
String Code Coverage Part Coverage Part Code is an abbreviation VARCHAR(20)
Code for the Coverage Part of an insurance
policy.
String Code Day And Time Day and Time Group Code represents a VARCHAR(20)
Group Code general and relative set of time frames.
Examples: “WHDH” for Week Days
during Work Hours, “WE” for Weekends.
String Code Day Code The code which represents the day of a CHAR(3)
week. Example: MON=Monday,
SAT=Saturday.
String Code Day Type Code Day Type Code is a code that can be VARCHAR(20)
used to differentiate between work days,
weekend days, and holidays.
String Code Deductible Deductible Basis Code identifies whether VARCHAR(20)
Basis Code the related Deductible Value is an
amount or a percentage or number of
days, etc. that will be used to determine
what an insured is expected to pay before
reimbursement from the insurance
company begins.
String Code Deductible Type Deductible Type Code represents the VARCHAR(20)
Code kind of deductible. Examples: per
occurrence, per person.

82 Property and Casualty Data Model, v1.0

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
String Code Event Sub Type Event Sub Type Code represents a lower VARCHAR(20)
Code level categorization of an event.
String Code Event Type Event Type Code represents the kind of VARCHAR(20)
Code an event. Examples: life event, business
event, policy event, or loss event.
String Code Gender Code Gender Code represents the sex of the CHAR(1)
individual. Examples: F for Female, M for
Male.
String Code Geographic Geographic Location Type Code VARCHAR(20)
Location Type represents the type of Geographic
Code Location. Example: State, County, or a
building location.
String Code Industry Industry Catastrophe Code is a Code VARCHAR(8)
Catastrophe assigned by a regulatory agency to
Code identify a single major loss occurring on a
specified date or to a single loss incurred
over a number of days.
String Code Industry Code Industry Code is an external classification VARCHAR(20)
of industries, such as an SIC (Standard
Industry Classification Code). Example:
63nnnnnn is the classification series for
Insurance Carriers.
String Code Industry Type Industry Type Code represents an VARCHAR(5)
Code industry category that is important to the
company. Examples: Insurance,
Banking, Pharmaceutical, Utility.
String Code Insurable Object Insurable Object Type Code represents a VARCHAR(20)
Type Code category of an item figuring in an
insurance coverage or policy, having
commercial or exchange value that is
owned by a business, institution, or
individual or adds to one’s wealth or
estate. These objects can be real (land
and attachments) and personal (movable
effects not attached to land).
String Code Insurance Type Insurance Type Code represents the CHAR(1)
Code Insurance Type. Examples: Direct,
Assumed, Ceded.
String Code Language Code Language Code represents a specific VARCHAR(20)
language.
String Code Legal Legal Classification Code represents a VARCHAR(20)
Classification legal category under which the Party can
Code operate.
String Code Legal Entity Legal Entity Type Code represents a VARCHAR(20)
Type Code category of person or organization that
has the legal standing to enter into a
contract and may be sued for failure to
perform as agreed in the contract.

Property and Casualty Data Model, v1.0 83

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
String Code Limit Basis Limit Basis Code represents the basis on VARCHAR(20)
Code which to specify the maximum extent of
coverage that will be provided by an
insurance policy. Example: Amount,
Percentage, Days.
String Code Limit Type Code Limit Type Code represents the kind of VARCHAR(20)
limit that will be provided by an insurance
policy. Examples: Per Occurrence, Per
Person.
String Code Line Of Line Of Business Code represents a type VARCHAR(20)
Business Code of major Product Line. Examples:
Commercial Auto, Homeowners.
String Code Locality Code Locality Code represents a location VARCHAR(20)
category used by a party. Examples:
home, work, second residence.
String Code Location Code Location Code represents an externally VARCHAR(20)
assigned identification for a location.
String Code Month Code A standard 3 position abbreviation for CHAR(3)
each month of a year. Example:
FEB=February, AUG=August.
String Code Organization Organization Type Code is used to VARCHAR(20)
Type Code distinguish various types of internal and
external organizations.
String Code Party Role Code Party Role Code is an abbreviation of VARCHAR(20)
name of the role that a Party plays with
respect to another entity.
String Code Party Type Party Type Code is an abbreviation that CHAR(1)
Code defines the kind of Party. Example:
Person, Organization, Grouping.
String Code Postal Code Postal Code represents an alphanumeric VARCHAR(20)
code assigned to groups of addresses by
various national postal systems
throughout the world to facilitate mail
delivery.
String Code Rating Territory Rating Territory Code represents a VARCHAR(20)
Code geographic area that is used to determine
insurance rates.
String Code Relationship Relationship Code represents a VARCHAR(20)
Code relationship that ties entities together.
String Code Relationship Relationship Type Code represents the VARCHAR(20)
Type Code kind of relationship that links one entity to
another. Example: Business, Family,
Reporting.
String Code Staff Staff Classification Code defines the kind VARCHAR(20)
Classification of Staff as Employee or Contractor, the
Code eligible benefits, and level of a staff
person.

84 Property and Casualty Data Model, v1.0

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
String Code State Code State Code is a two character CHAR(2)
representation of a U.S. state or
Canadian Province.
String Code Status Code Status Code represents the state of the VARCHAR(20)
related entity at a point in time.
Examples: A=Active, P=Pending,
C=Cancelled, T=Terminated.
String Code Work Site Type Work Site Type Code defines the kind of VARCHAR(20)
Code workplace. Example: Office Building,
Plant, Farm.
String Code Description Description is text that further defines the VARCHAR(1000)
meaning and relevance of an object.
String Code Long Long Description is expanded text used VARCHAR(5000)
Description to define an object.
String Code Medium Medium Description is a generic medium- VARCHAR(2000)
Description length text to describe an object.
String Medium Code Code Description is text that further VARCHAR(2000)
Description Description defines the meaning of a code.
String Description Short Short Description is a generic short text VARCHAR(1000)
Description definition for an object.
String String Indicator Indicator is a one character code that CHAR(1)
identifies if a condition is met or not met.
Values are: Y=yes, N=no,
Blank=unknown or not applicable.
String String Medium Name Medium Name is an average length VARCHAR(100)
name for codes or non-legal objects.
String Medium Name Code Name Code Name is the text or label associated VARCHAR(100)
with a Code value.
String String Name Name is the wording used to provide a VARCHAR(200)
familiar label for any object or party.
Names may not be unique and so
additional attributes are needed to
uniquely identify any specific object or
party. Therefore names are never used
as identifiers.
String Name Day Name Day Name is the name of a day in a CHAR(9)
week.
String Name Long Name Long Name is the full name of any object, VARCHAR(200)
such as the entire legal name of an
Organization, Group, or full name of an
individual.
String Name Month Name Month Name is full English name of a CHAR(9)
Month.
String Name Prefix-Suffix Prefix-Suffix Name is a title or name VARCHAR(20)
Name extension. Examples: Mr., Mrs., Ms., Dr.,
Jr., Sr., III, M.D., PhD.

Property and Casualty Data Model, v1.0 85

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
String Name Short Name Short Name is a brief name used for an VARCHAR(40)
object or a partial name of an individual,
such as first, last, or middle name.
String String Variable Value Variable Value is an amount, code, or VARCHAR(1000)
any other type of data that can contain
syntax (such as hyphen separators) and
delimiters as needed for interpretation
and display.
String Variable Value Company Claim Company Claim Number is the number or VARCHAR(20)
Number alpha-numeric assigned to a claim by the
company.
String Variable Value Company Company Subclaim Number identifies a VARCHAR(5)
Subclaim claim within a claim. It can be an alpha-
Number numeric value.
String Variable Value Deductible Deductible Value is the actual value of a VARCHAR(100)
Value monetary amount, percentage, or time
period. Examples: $500, 10%, 90 days.
String Variable Value Latitude or Latitude or Longitude is a metric VARCHAR(20)
Longitude expressed in a common format to identify
a position on the globe. The values can
be expressed as Degree, Minute,
Second, Decimal.
String Variable Value Limit Value Limit Value is the actual limit amount or VARCHAR(100)
percentage that will be provided by an
insurance policy.
String Variable Value Policy Number Policy Number Value is a value assigned VARCHAR(50)
Value to uniquely identify an insurance policy
that can be expressed in letters,
numbers, or characters.
String Variable Value Policy Form Policy Form Number Value (called Policy VARCHAR(50)
Number Value Form Number) is the (often non-numeric)
set of characters used to identify an
attachment to a property and casualty
policy. This “value” is usually established
by the state or by a rating bureau (i.e., the
Insurance Services Office (ISO)), or by
the insurance company.
String Variable Value Variable Variable Identifier Value is an externally VARCHAR(1000)
Identifier Value assigned value or identifier. Example:
phone number, company site number.

86 Property and Casualty Data Model, v1.0

 Domain Type Domain Domain Domain Definition Domain Data
Parent Name Type
String Variable Long Variable Long Variable Value is text that can VARCHAR(1000)
Identifier Value Value contain syntax or delimiters as needed
for interpretation and display, such as a
web link. Example: http://www.naic.org/
store_jir.htm
String Variable Medium Medium Variable Value is a number, VARCHAR(100)
Identifier Value Variable Value date, or text that may contain syntax or
delimiters as needed for interpretation
and display. Example: (212) 645-2387,
extension 437.

8.7 Model/Term Cross Reference

8.7.1 Subject Area Entities

This sub clause lists all entities included within a subject area data model. An entity can be included in several subject areas.

Subject Area Name Entity Name

<Main Subject Area> Account

<Main Subject Area> Account Agreement
<Main Subject Area> Account Party Role
<Main Subject Area> Account Provider
<Main Subject Area> Account Role
<Main Subject Area> Accountability
<Main Subject Area> Additional Interest
<Main Subject Area> Adjuster
<Main Subject Area> Administrative Organization Unit
<Main Subject Area> Agency Contract
<Main Subject Area> Agent
<Main Subject Area> Agreement
<Main Subject Area> Agreement Assessment
<Main Subject Area> Agreement Party Role
<Main Subject Area> Agreement Role
<Main Subject Area> Animal
<Main Subject Area> Approval
<Main Subject Area> Arbitration
<Main Subject Area> Arbitration Party Role

Property and Casualty Data Model, v1.0 87

 Subject Area Name Entity Name

<Main Subject Area> Assessment Party Role

<Main Subject Area> Assessment
<Main Subject Area> Assessment Result
<Main Subject Area> Assumed Claim Amount
<Main Subject Area> Assumed Policy Amount
<Main Subject Area> Attorney
<Main Subject Area> Audit
<Main Subject Area> Auditor
<Main Subject Area> Auto Repair Shop Contract
<Main Subject Area> Automobile
<Main Subject Area> Binding
<Main Subject Area> Boat
<Main Subject Area> Body Object
<Main Subject Area> Branch Office
<Main Subject Area> Broker
<Main Subject Area> Brokerage Contract
<Main Subject Area> Bus
<Main Subject Area> Business Event
<Main Subject Area> Buyer
<Main Subject Area> Cancel
<Main Subject Area> Catastrophe
<Main Subject Area> Ceded Claim Amount
<Main Subject Area> Ceded Policy Amount
<Main Subject Area> Channel Role
<Main Subject Area> Channel Score
<Main Subject Area> Claim
<Main Subject Area> Claim Administrator
<Main Subject Area> Claim Amount
<Main Subject Area> Claim Arbitration
<Main Subject Area> Claim Assessment
<Main Subject Area> Claim Coverage
<Main Subject Area> Claim Evaluation Result
<Main Subject Area> Claim Event
<Main Subject Area> Claim Examiner
<Main Subject Area> Claim Expert
<Main Subject Area> Claim Folder
<Main Subject Area> Claim Folder Document
<Main Subject Area> Claim Fraud Examiner

88 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

<Main Subject Area> Claim Legal Expert

<Main Subject Area> Claim Litigation
<Main Subject Area> Claim Offer
<Main Subject Area> Claim Party Role
<Main Subject Area> Claim Payment
<Main Subject Area> Claim Representative
<Main Subject Area> Claim Reserve
<Main Subject Area> Claim Role
<Main Subject Area> Claim Witness
<Main Subject Area> Claimant
<Main Subject Area> Claimee
<Main Subject Area> Combination Structure
<Main Subject Area> Combine
<Main Subject Area> Commercial Agreement
<Main Subject Area> Commercial Structure
<Main Subject Area> Communication Identity
<Main Subject Area> Commutation Agreement
<Main Subject Area> Company
<Main Subject Area> Company Jurisdiction
<Main Subject Area> Construction Vehicle
<Main Subject Area> Consultant Contract
<Main Subject Area> Contractor
<Main Subject Area> Court Jurisdiction
<Main Subject Area> Coverage
<Main Subject Area> Coverage Group
<Main Subject Area> Coverage Level
<Main Subject Area> Coverage Limit Type
<Main Subject Area> Coverage Part
<Main Subject Area> Coverage Type
<Main Subject Area> Credit Claim Amount
<Main Subject Area> Credit Policy Amount
<Main Subject Area> Credit Rating
<Main Subject Area> Customer
<Main Subject Area> Customer Score
<Main Subject Area> Debit Claim Amount
<Main Subject Area> Debit Policy Amount
<Main Subject Area> Deductible Recovery
<Main Subject Area> Demographic Score

Property and Casualty Data Model, v1.0 89

 Subject Area Name Entity Name

<Main Subject Area> Department

<Main Subject Area> Derivative Contract
<Main Subject Area> Direct Claim Amount
<Main Subject Area> Direct Policy Amount
<Main Subject Area> Driver
<Main Subject Area> Dwelling
<Main Subject Area> Employment Agreement
<Main Subject Area> Endorsement
<Main Subject Area> Event
<Main Subject Area> Expense Payment
<Main Subject Area> Expense Recovery
<Main Subject Area> Expense Reserve
<Main Subject Area> Farm Equipment
<Main Subject Area> Fee
<Main Subject Area> Field Organization Unit
<Main Subject Area> Financial Account Agreement
<Main Subject Area> Financial Adviser
<Main Subject Area> Financial Analyst
<Main Subject Area> Financial Interest Role
<Main Subject Area> Financial Service
<Main Subject Area> Financial Services Assessment
<Main Subject Area> Financial Valuation
<Main Subject Area> Flat
<Main Subject Area> For Profit Organization
<Main Subject Area> Fraud Assessment
<Main Subject Area> Freight Group
<Main Subject Area> Full Term
<Main Subject Area> Geographic Location
<Main Subject Area> Government Organization
<Main Subject Area> Group Agreement
<Main Subject Area> Grouping
<Main Subject Area> Health Care Provider
<Main Subject Area> Household
<Main Subject Area> Household Content
<Main Subject Area> Household Person
<Main Subject Area> Household Person Role
<Main Subject Area> Independent Adjuster
<Main Subject Area> Individual Agreement

90 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

<Main Subject Area> Inhouse Adjuster

<Main Subject Area> Inpatient
<Main Subject Area> Insurable Object
<Main Subject Area> Insurable Object Party Role
<Main Subject Area> Insurance Class
<Main Subject Area> Insurance Rating Classification Code
<Main Subject Area> Insured
<Main Subject Area> Insured Account
<Main Subject Area> Insurer
<Main Subject Area> Intermediary Agreement
<Main Subject Area> Legal Adviser
<Main Subject Area> Legal Jurisdiction
<Main Subject Area> Legal Jurisdiction Party Identity
<Main Subject Area> Life Event
<Main Subject Area> Line Of Business
<Main Subject Area> Line Of Business Group
<Main Subject Area> Litigation
<Main Subject Area> Litigation Party Role
<Main Subject Area> Location Address
<Main Subject Area> Loss Payee
<Main Subject Area> Loss Payment
<Main Subject Area> Loss Recovery
<Main Subject Area> Loss Reserve
<Main Subject Area> Manager
<Main Subject Area> Managing General Agent
<Main Subject Area> Manufactured Object
<Main Subject Area> Medical Condition
<Main Subject Area> Mid Term
<Main Subject Area> Milking Machine
<Main Subject Area> Mobile Home
<Main Subject Area> Motorcycle
<Main Subject Area> Mutual Fund Provider
<Main Subject Area> New Business
<Main Subject Area> Not For Profit Organization
<Main Subject Area> Object Assessment
<Main Subject Area> Occurrence
<Main Subject Area> Organization
<Main Subject Area> Organization Unit

Property and Casualty Data Model, v1.0 91

 Subject Area Name Entity Name

<Main Subject Area> Other Assessment Result

<Main Subject Area> Outpatient
<Main Subject Area> Party
<Main Subject Area> Party Assessment
<Main Subject Area> Party Communication
<Main Subject Area> Party Preference
<Main Subject Area> Party Relationship
<Main Subject Area> Party Relationship Role
<Main Subject Area> Party Role
<Main Subject Area> Patient
<Main Subject Area> Person
<Main Subject Area> Person Profession
<Main Subject Area> Physical Location
<Main Subject Area> Physical Object Assessment
<Main Subject Area> Place Assessment
<Main Subject Area> Policy
<Main Subject Area> Policy Amount
<Main Subject Area> Policy Coverage Detail
<Main Subject Area> Policy Coverage Part
<Main Subject Area> Policy Deductible
<Main Subject Area> Policy Event
<Main Subject Area> Policy Form
<Main Subject Area> Policy Limit
<Main Subject Area> Policy Relationship
<Main Subject Area> Pre Qualification
<Main Subject Area> Premium
<Main Subject Area> Premium Auditor
<Main Subject Area> Pro Rata
<Main Subject Area> Producer
<Main Subject Area> Product
<Main Subject Area> Product Coverage
<Main Subject Area> Product License
<Main Subject Area> Professional Group
<Main Subject Area> Project
<Main Subject Area> Property In Transit
<Main Subject Area> Prospect
<Main Subject Area> Provider
<Main Subject Area> Provider Agreement

92 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

<Main Subject Area> Public Adjuster

<Main Subject Area> Quote
<Main Subject Area> Rating Territory
<Main Subject Area> Rating Territory Geographic Location
<Main Subject Area> Recovery
<Main Subject Area> Recreational Vehicle
<Main Subject Area> Regional Office
<Main Subject Area> Reinstatement
<Main Subject Area> Reinsurance Agreement
<Main Subject Area> Reinsurance Recovery
<Main Subject Area> Renewal
<Main Subject Area> Residential Structure
<Main Subject Area> Risk Factor Score
<Main Subject Area> Salvage
<Main Subject Area> Scheduled Item
<Main Subject Area> Service Provider
<Main Subject Area> Short Rate
<Main Subject Area> Staff
<Main Subject Area> Staff Classification
<Main Subject Area> Staff Position
<Main Subject Area> Staff Position Assignment
<Main Subject Area> Staff Role
<Main Subject Area> Staff Work Assignment
<Main Subject Area> Staffing Agreement
<Main Subject Area> Staffing Organization
<Main Subject Area> State
<Main Subject Area> Structure
<Main Subject Area> Subcontractor
<Main Subject Area> Subrogation
<Main Subject Area> Supplier
<Main Subject Area> Surcharge
<Main Subject Area> Tax
<Main Subject Area> Team
<Main Subject Area> Team Leader
<Main Subject Area> Team Member
<Main Subject Area> Territory
<Main Subject Area> Third Party Administrator
<Main Subject Area> Third Party Staffing Agreement

Property and Casualty Data Model, v1.0 93

 Subject Area Name Entity Name

<Main Subject Area> Tractor

<Main Subject Area> Trailer
<Main Subject Area> Transportation Class
<Main Subject Area> Truck
<Main Subject Area> Underwriting Assessment
<Main Subject Area> Van
<Main Subject Area> Vehicle
<Main Subject Area> Victim
<Main Subject Area> Watercraft
<Main Subject Area> Workers Comp Class
A1- Party Agreement
A1- Party Agreement Party Role
A1- Party Claim
A1- Party Claim Party Role
A1- Party Communication Identity
A1- Party Geographic Location
A1- Party Grouping
A1- Party Household
A1- Party Household Person
A1- Party Household Person Role
A1- Party Insurable Object
A1- Party Insurable Object Party Role
A1- Party Legal Jurisdiction
A1- Party Legal Jurisdiction Party Identity
A1- Party Organization
A1- Party Party
A1- Party Party Communication
A1- Party Party Preference
A1- Party Party Relationship
A1- Party Party Relationship Role
A1- Party Party Role
A1- Party Person
A1- Party Person Profession
A1- Party Staff Work Assignment
A2 - Account and Agreement Account
A2 - Account and Agreement Account Agreement
A2 - Account and Agreement Account Party Role
A2 - Account and Agreement Account Provider

94 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

A2 - Account and Agreement Account Role

A2 - Account and Agreement Agency Contract
A2 - Account and Agreement Agreement
A2 - Account and Agreement Agreement Party Role
A2 - Account and Agreement Agreement Role
A2 - Account and Agreement Auto Repair Shop Contract
A2 - Account and Agreement Brokerage Contract
A2 - Account and Agreement Commercial Agreement
A2 - Account and Agreement Commutation Agreement
A2 - Account and Agreement Customer
A2 - Account and Agreement Derivative Contract
A2 - Account and Agreement Financial Account Agreement
A2 - Account and Agreement Financial Adviser
A2 - Account and Agreement Financial Analyst
A2 - Account and Agreement Financial Service
A2 - Account and Agreement Group Agreement
A2 - Account and Agreement Individual Agreement
A2 - Account and Agreement Insured Account
A2 - Account and Agreement Intermediary Agreement
A2 - Account and Agreement Party
A2 - Account and Agreement Party Role
A2 - Account and Agreement Policy
A2 - Account and Agreement Prospect
A2 - Account and Agreement Provider
A2 - Account and Agreement Provider Agreement
A2 - Account and Agreement Reinsurance Agreement
A2 - Account and Agreement Staffing Agreement
A3 - Policy Agreement
A3 - Policy Agreement Party Role
A3 - Policy Coverage
A3 - Policy Coverage Part
A3 - Policy Event
A3 - Policy Geographic Location
A3 - Policy Insurable Object
A3 - Policy Insurable Object Party Role
A3 - Policy Location Address
A3 - Policy Party
A3 - Policy Physical Location

Property and Casualty Data Model, v1.0 95

 Subject Area Name Entity Name

A3 - Policy Policy
A3 - Policy Policy Amount
A3 - Policy Policy Coverage Detail
A3 - Policy Policy Coverage Part
A3 - Policy Policy Deductible
A3 - Policy Policy Event
A3 - Policy Policy Form
A3 - Policy Policy Limit
A3 - Policy Policy Relationship
A3 - Policy Product
A4 - Claim Arbitration
A4 - Claim Arbitration Party Role
A4 - Claim Catastrophe
A4 - Claim Claim
A4 - Claim Claim Amount
A4 - Claim Claim Arbitration
A4 - Claim Claim Coverage
A4 - Claim Claim Folder
A4 - Claim Claim Folder Document
A4 - Claim Claim Litigation
A4 - Claim Claim Offer
A4 - Claim Claim Party Role
A4 - Claim Court Jurisdiction
A4 - Claim Geographic Location
A4 - Claim Insurable Object
A4 - Claim Litigation
A4 - Claim Litigation Party Role
A4 - Claim Occurrence
A4 - Claim Party
A4 - Claim Party Role
A4 - Claim Policy Coverage Detail
A5 - Assessment Agreement
A5 - Assessment Agreement Assessment
A5 - Assessment Approval
A5 - Assessment Assessment Party Role
A5 - Assessment Assessment
A5 - Assessment Assessment Result
A5 - Assessment Channel Score

96 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

A5 - Assessment Claim
A5 - Assessment Claim Assessment
A5 - Assessment Claim Evaluation Result
A5 - Assessment Credit Rating
A5 - Assessment Customer Score
A5 - Assessment Demographic Score
A5 - Assessment Financial Services Assessment
A5 - Assessment Financial Valuation
A5 - Assessment Fraud Assessment
A5 - Assessment Insurable Object
A5 - Assessment Medical Condition
A5 - Assessment Object Assessment
A5 - Assessment Other Assessment Result
A5 - Assessment Party
A5 - Assessment Party Assessment
A5 - Assessment Party Role
A5 - Assessment Physical Object Assessment
A5 - Assessment Place Assessment
A5 - Assessment Risk Factor Score
A5 - Assessment Underwriting Assessment
B1 - Agreement Role Accountability
B1 - Agreement Role Additional Interest
B1 - Agreement Role Agent
B1 - Agreement Role Agreement
B1 - Agreement Role Agreement Party Role
B1 - Agreement Role Agreement Role
B1 - Agreement Role Auditor
B1 - Agreement Role Broker
B1 - Agreement Role Buyer
B1 - Agreement Role Channel Role
B1 - Agreement Role Contractor
B1 - Agreement Role Financial Interest Role
B1 - Agreement Role Financial Service
B1 - Agreement Role Health Care Provider
B1 - Agreement Role Insured
B1 - Agreement Role Insurer
B1 - Agreement Role Legal Adviser
B1 - Agreement Role Manager

Property and Casualty Data Model, v1.0 97

 Subject Area Name Entity Name

B1 - Agreement Role Managing General Agent

B1 - Agreement Role Mutual Fund Provider
B1 - Agreement Role Party
B1 - Agreement Role Party Role
B1 - Agreement Role Premium Auditor
B1 - Agreement Role Producer
B1 - Agreement Role Provider
B1 - Agreement Role Service Provider
B1 - Agreement Role Staff Role
B1 - Agreement Role Subcontractor
B1 - Agreement Role Supplier
B1 - Agreement Role Team Leader
B1 - Agreement Role Team Member
B1 - Agreement Role Third Party Administrator
B2 - Claim Role Adjuster
B2 - Claim Role Attorney
B2 - Claim Role Claim
B2 - Claim Role Claim Administrator
B2 - Claim Role Claim Examiner
B2 - Claim Role Claim Expert
B2 - Claim Role Claim Fraud Examiner
B2 - Claim Role Claim Legal Expert
B2 - Claim Role Claim Party Role
B2 - Claim Role Claim Representative
B2 - Claim Role Claim Role
B2 - Claim Role Claim Witness
B2 - Claim Role Claimant
B2 - Claim Role Claimee
B2 - Claim Role Driver
B2 - Claim Role Health Care Provider
B2 - Claim Role Independent Adjuster
B2 - Claim Role Inhouse Adjuster
B2 - Claim Role Inpatient
B2 - Claim Role Loss Payee
B2 - Claim Role Outpatient
B2 - Claim Role Party
B2 - Claim Role Party Role
B2 - Claim Role Patient

98 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

B2 - Claim Role Provider

B2 - Claim Role Public Adjuster
B2 - Claim Role Service Provider
B2 - Claim Role Staff Role
B2 - Claim Role Third Party Administrator
B2 - Claim Role Victim
B3 - Staffing Role Acountability
B3 - Staffing Role Agreement
B3 - Staffing Role Agreement Party Role
B3 - Staffing Role Consultant Contract
B3 - Staffing Role Employment Agreement
B3 - Staffing Role Grouping
B3 - Staffing Role Manager
B3 - Staffing Role Organization
B3 - Staffing Role Party
B3 - Staffing Role Party Relationship
B3 - Staffing Role Party Relationship Role
B3 - Staffing Role Party Role
B3 - Staffing Role Person
B3 - Staffing Role Staff
B3 - Staffing Role Staff Classification
B3 - Staffing Role Staff Position
B3 - Staffing Role Staff Position Assignment
B3 - Staffing Role Staff Role
B3 - Staffing Role Staff Work Assignment
B3 - Staffing Role Staffing Agreement
B3 - Staffing Role Staffing Organization
B3 - Staffing Role Team Leader
B3 - Staffing Role Team Member
B3 - Staffing Role Third Party Staffing Agreement
C1 - Party Subtype Administrative Organization Unit
C1 - Party Subtype Branch Office
C1 - Party Subtype Department
C1 - Party Subtype Field Organization Unit
C1 - Party Subtype For Profit Organization
C1 - Party Subtype Government Organization
C1 - Party Subtype Grouping
C1 - Party Subtype Household

Property and Casualty Data Model, v1.0 99

 Subject Area Name Entity Name

C1 - Party Subtype Not For Profit Organization

C1 - Party Subtype Organization
C1 - Party Subtype Organization Unit
C1 - Party Subtype Party
C1 - Party Subtype Party Relationship
C1 - Party Subtype Person
C1 - Party Subtype Professional Group
C1 - Party Subtype Project
C1 - Party Subtype Regional Office
C1 - Party Subtype Staff Position Assignment
C1 - Party Subtype Team
C1 - Party Subtype Territory
C2 - Insurable Object Subtype Animal
C2 - Insurable Object Subtype Automobile
C2 - Insurable Object Subtype Boat
C2 - Insurable Object Subtype Body Object
C2 - Insurable Object Subtype Bus
C2 - Insurable Object Subtype Combination Structure
C2 - Insurable Object Subtype Combine
C2 - Insurable Object Subtype Commercial Structure
C2 - Insurable Object Subtype Construction Vehicle
C2 - Insurable Object Subtype Dwelling
C2 - Insurable Object Subtype Farm Equipment
C2 - Insurable Object Subtype Freight Group
C2 - Insurable Object Subtype Geographic Location
C2 - Insurable Object Subtype Household
C2 - Insurable Object Subtype Household Content
C2 - Insurable Object Subtype Insurable Object
C2 - Insurable Object Subtype Manufactured Object
C2 - Insurable Object Subtype Milking Machine
C2 - Insurable Object Subtype Mobile Home
C2 - Insurable Object Subtype Motorcycle
C2 - Insurable Object Subtype Property In Transit
C2 - Insurable Object Subtype Recreational Vehicle
C2 - Insurable Object Subtype Residential Structure
C2 - Insurable Object Subtype Scheduled Item
C2 - Insurable Object Subtype Structure
C2 - Insurable Object Subtype Tractor

100 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

C2 - Insurable Object Subtype Trailer

C2 - Insurable Object Subtype Transportation Class
C2 - Insurable Object Subtype Truck
C2 - Insurable Object Subtype Van
C2 - Insurable Object Subtype Vehicle
C2 - Insurable Object Subtype Watercraft
C2 - Insurable Object Subtype Workers Comp Class
C3 - Money Subtype Assumed Claim Amount
C3 - Money Subtype Assumed Policy Amount
C3 - Money Subtype Ceded Claim Amount
C3 - Money Subtype Ceded Policy Amount
C3 - Money Subtype Claim Amount
C3 - Money Subtype Claim Payment
C3 - Money Subtype Claim Reserve
C3 - Money Subtype Credit Claim Amount
C3 - Money Subtype Credit Policy Amount
C3 - Money Subtype Debit Claim Amount
C3 - Money Subtype Debit Policy Amount
C3 - Money Subtype Deductible Recovery
C3 - Money Subtype Direct Claim Amount
C3 - Money Subtype Direct Policy Amount
C3 - Money Subtype Expense Payment
C3 - Money Subtype Expense Recovery
C3 - Money Subtype Expense Reserve
C3 - Money Subtype Fee
C3 - Money Subtype Loss Payment
C3 - Money Subtype Loss Recovery
C3 - Money Subtype Loss Reserve
C3 - Money Subtype Policy Amount
C3 - Money Subtype Premium
C3 - Money Subtype Recovery
C3 - Money Subtype Reinsurance Recovery
C3 - Money Subtype Salvage
C3 - Money Subtype Subrogation
C3 - Money Subtype Surcharge
C3 - Money Subtype Tax
C4 - Event Subtype Audit
C4 - Event Subtype Binding

Property and Casualty Data Model, v1.0 101

 Subject Area Name Entity Name

C4 - Event Subtype Business Event

C4 - Event Subtype Cancel
C4 - Event Subtype Claim Event
C4 - Event Subtype Endorsement
C4 - Event Subtype Event
C4 - Event Subtype Flat
C4 - Event Subtype Full Term
C4 - Event Subtype Life Event
C4 - Event Subtype Mid Term
C4 - Event Subtype New Business
C4 - Event Subtype Policy
C4 - Event Subtype Policy Event
C4 - Event Subtype Pre Qualification
C4 - Event Subtype Pro Rata
C4 - Event Subtype Quote
C4 - Event Subtype Reinstatement
C4 - Event Subtype Renewal
C4 - Event Subtype Short Rate
D1 - Product Coverage Preference Company
D1 - Product Coverage Preference Company Jurisdiction
D1 - Product Coverage Preference Coverage
D1 - Product Coverage Preference Coverage Group
D1 - Product Coverage Preference Coverage Level
D1 - Product Coverage Preference Coverage Limit Type
D1 - Product Coverage Preference Coverage Part
D1 - Product Coverage Preference Coverage Type
D1 - Product Coverage Preference Geographic Location
D1 - Product Coverage Preference Insurance Class
D1 - Product Coverage Preference Insurance Rating Classification Code
D1 - Product Coverage Preference Line Of Business
D1 - Product Coverage Preference Line Of Business Group
D1 - Product Coverage Preference Product
D1 - Product Coverage Preference Product Coverage
D1 - Product Coverage Preference Product License
D1 - Product Coverage Preference Rating Territory
D1 - Product Coverage Preference Rating Territory Geographic Location
D1 - Product Coverage Preference State
A3 - Policy Policy Coverage Detail

102 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

A3 - Policy Policy Coverage Part

A3 - Policy Policy Deductible
A3 - Policy Policy Event
A3 - Policy Policy Form
A3 - Policy Policy Limit
A3 - Policy Policy Relationship
A3 - Policy Product
A4 - Claim Arbitration
A4 - Claim Arbitration Party Role
A4 - Claim Catastrophe
A4 - Claim Claim
A4 - Claim Claim Amount
A4 - Claim Claim Arbitration
A4 - Claim Claim Coverage
A4 - Claim Claim Folder
A4 - Claim Claim Folder Document
A4 - Claim Claim Litigation
A4 - Claim Claim Offer
A4 - Claim Claim Party Role
A4 - Claim Court Jurisdiction
A4 - Claim Geographic Location
A4 - Claim Insurable Object
A4 - Claim Litigation
A4 - Claim Litigation Party Role
A4 - Claim Occurrence
A4 - Claim Party
A4 - Claim Party Role
A4 - Claim Policy Coverage Detail
A5 - Assessment Agreement
A5 - Assessment Agreement Assessment
A5 - Assessment Approval
A5 - Assessment Assessment Party Role
A5 - Assessment Assessment
A5 - Assessment Assessment Result
A5 - Assessment Channel Score
A5 - Assessment Claim
A5 - Assessment Claim Assessment
A5 - Assessment Claim Evaluation Result

Property and Casualty Data Model, v1.0 103

 Subject Area Name Entity Name

A5 - Assessment Credit Rating

A5 - Assessment Customer Score
A5 - Assessment Demographic Score
A5 - Assessment Financial Services Assessment
A5 - Assessment Financial Valuation
A5 - Assessment Fraud Assessment
A5 - Assessment Insurable Object
A5 - Assessment Medical Condition
A5 - Assessment Object Assessment
A5 - Assessment Other Assessment Result
A5 - Assessment Party
A5 - Assessment Party Assessment
A5 - Assessment Party Role
A5 - Assessment Physical Object Assessment
A5 - Assessment Place Assessment
A5 - Assessment Risk Factor Score
A5 - Assessment Underwriting Assessment
B1 - Agreement Role Accountability
B1 - Agreement Role Additional Interest
B1 - Agreement Role Agent
B1 - Agreement Role Agreement
B1 - Agreement Role Agreement Party Role
B1 - Agreement Role Agreement Role
B1 - Agreement Role Auditor
B1 - Agreement Role Broker
B1 - Agreement Role Buyer
B1 - Agreement Role Channel Role
B1 - Agreement Role Contractor
B1 - Agreement Role Financial Interest Role
B1 - Agreement Role Financial Service
B1 - Agreement Role Health Care Provider
B1 - Agreement Role Insured
B1 - Agreement Role Insurer
B1 - Agreement Role Legal Adviser
B1 - Agreement Role Manager
B1 - Agreement Role Managing General Agent
B1 - Agreement Role Mutual Fund Provider
B1 - Agreement Role Party

104 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

B1 - Agreement Role Party Role

B1 - Agreement Role Premium Auditor
B1 - Agreement Role Producer
B1 - Agreement Role Provider
B1 - Agreement Role Service Provider
B1 - Agreement Role Staff Role
B1 - Agreement Role Subcontractor
B1 - Agreement Role Supplier
B1 - Agreement Role Team Leader
B1 - Agreement Role Team Member
B1 - Agreement Role Third Party Administrator
B2 - Claim Role Adjuster
B2 - Claim Role Attorney
B2 - Claim Role Claim
B2 - Claim Role Claim Administrator
B2 - Claim Role Claim Examiner
B2 - Claim Role Claim Expert
B2 - Claim Role Claim Fraud Examiner
B2 - Claim Role Claim Legal Expert
B2 - Claim Role Claim Party Role
B2 - Claim Role Claim Representative
B2 - Claim Role Claim Role
B2 - Claim Role Claim Witness
B2 - Claim Role Claimant
B2 - Claim Role Claimee
B2 - Claim Role Driver
B2 - Claim Role Health Care Provider
B2 - Claim Role Independent Adjuster
B2 - Claim Role Inhouse Adjuster
B2 - Claim Role Inpatient
B2 - Claim Role Loss Payee
B2 - Claim Role Outpatient
B2 - Claim Role Party
B2 - Claim Role Party Role
B2 - Claim Role Patient
B2 - Claim Role Provider
B2 - Claim Role Public Adjuster
B2 - Claim Role Service Provider

Property and Casualty Data Model, v1.0 105

 Subject Area Name Entity Name

B2 - Claim Role Staff Role

B2 - Claim Role Third Party Administrator
B2 - Claim Role Victim
B3 - Staffing Role Accountability
B3 - Staffing Role Agreement
B3 - Staffing Role Agreement Party Role
B3 - Staffing Role Consultant Contract
B3 - Staffing Role Employment Agreement
B3 - Staffing Role Grouping
B3 - Staffing Role Manager
B3 - Staffing Role Organization
B3 - Staffing Role Party
B3 - Staffing Role Party Relationship
B3 - Staffing Role Party Relationship Role
B3 - Staffing Role Party Role
B3 - Staffing Role Person
B3 - Staffing Role Staff
B3 - Staffing Role Staff Classification
B3 - Staffing Role Staff Position
B3 - Staffing Role Staff Position Assignment
B3 - Staffing Role Staff Role
B3 - Staffing Role Staff Work Assignment
B3 - Staffing Role Staffing Agreement
B3 - Staffing Role Staffing Organization
B3 - Staffing Role Team Leader
B3 - Staffing Role Team Member
B3 - Staffing Role Third Party Staffing Agreement
B1 - Agreement Role Subcontractor
B1 - Agreement Role Supplier
B1 - Agreement Role Team Leader
B1 - Agreement Role Team Member
B1 - Agreement Role Third Party Administrator
B2 - Claim Role Adjuster
B2 - Claim Role Attorney
B2 - Claim Role Claim
B2 - Claim Role Claim Administrator
B2 - Claim Role Claim Examiner
B2 - Claim Role Claim Expert

106 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

B2 - Claim Role Claim Fraud Examiner

B2 - Claim Role Claim Legal Expert
B2 - Claim Role Claim Party Role
B2 - Claim Role Claim Representative
B2 - Claim Role Claim Role
B2 - Claim Role Claim Witness
B2 - Claim Role Claimant
B2 - Claim Role Claimee
B2 - Claim Role Driver
B2 - Claim Role Health Care Provider
B2 - Claim Role Independent Adjuster
B2 - Claim Role Inhouse Adjuster
B2 - Claim Role Inpatient
B2 - Claim Role Loss Payee
B2 - Claim Role Outpatient
B2 - Claim Role Party
B2 - Claim Role Party Role
B2 - Claim Role Patient
B2 - Claim Role Provider
B2 - Claim Role Public Adjuster
B2 - Claim Role Service Provider
B2 - Claim Role Staff Role
B2 - Claim Role Third Party Administrator
B2 - Claim Role Victim
B3 - Staffing Role Accountability
B3 - Staffing Role Agreement
B3 - Staffing Role Agreement Party Role
B3 - Staffing Role Consultant Contract
B3 - Staffing Role Employment Agreement
B3 - Staffing Role Grouping
B3 - Staffing Role Manager
B3 - Staffing Role Organization
B3 - Staffing Role Party
B3 - Staffing Role Party Relationship
B3 - Staffing Role Party Relationship Role
B3 - Staffing Role Party Role
B3 - Staffing Role Person
B3 - Staffing Role Staff

Property and Casualty Data Model, v1.0 107

 Subject Area Name Entity Name

B3 - Staffing Role Staff Classification

B3 - Staffing Role Staff Position
B3 - Staffing Role Staff Position Assignment
B3 - Staffing Role Staff Role
B3 - Staffing Role Staff Work Assignment
B3 - Staffing Role Staffing Agreement
B3 - Staffing Role Staffing Organization
B3 - Staffing Role Team Leader
B3 - Staffing Role Team Member
B3 - Staffing Role Third Party Staffing Agreement
B1 - Agreement Role Subcontractor
B1 - Agreement Role Supplier
B1 - Agreement Role Team Leader
B1 - Agreement Role Team Member
B1 - Agreement Role Third Party Administrator
B2 - Claim Role Adjuster
B2 - Claim Role Attorney
B2 - Claim Role Claim
B2 - Claim Role Claim Administrator
B2 - Claim Role Claim Examiner
B2 - Claim Role Claim Expert
B2 - Claim Role Claim Fraud Examiner
B2 - Claim Role Claim Legal Expert
B2 - Claim Role Claim Party Role
B2 - Claim Role Claim Representative
B2 - Claim Role Claim Role
B2 - Claim Role Claim Witness
B2 - Claim Role Claimant
B2 - Claim Role Claimee
B2 - Claim Role Driver
B2 - Claim Role Health Care Provider
B2 - Claim Role Independent Adjuster
B2 - Claim Role Inhouse Adjuster
B2 - Claim Role Inpatient
B2 - Claim Role Loss Payee
B2 - Claim Role Outpatient
B2 - Claim Role Party
B2 - Claim Role Party Role

108 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

B2 - Claim Role Patient

B2 - Claim Role Provider
B2 - Claim Role Public Adjuster
B2 - Claim Role Service Provider
B2 - Claim Role Staff Role
B2 - Claim Role Third Party Administrator
B2 - Claim Role Victim
B3 - Staffing Role Accountability
B3 - Staffing Role Agreement
B3 - Staffing Role Agreement Party Role
B3 - Staffing Role Consultant Contract
B3 - Staffing Role Employment Agreement
B3 - Staffing Role Grouping
B3 - Staffing Role Manager
B3 - Staffing Role Organization
B3 - Staffing Role Party
B3 - Staffing Role Party Relationship
B3 - Staffing R ole Party Relationship Role
B3 - Staffing Role Party Role
B3 - Staffing Role Person
B3 - Staffing Role Staff
B3 - Staffing Role Staff Classification
B3 - Staffing Role Staff Position
B3 - Staffing Role Staff Position Assignment
B3 - Staffing Role Staff Role
B3 - Staffing Role Staff Work Assignment
B3 - Staffing Role Staffing Agreement
B3 - Staffing Role Staffing Organization
B3 - Staffing Role Team Leader
B3 - Staffing Role Team Member
B3 - Staffing Role Third Party Staffing Agreement
C1 - Party Subtype Administrative Organization Unit
C1 - Party Subtype Branch Office
C1 - Party Subtype Department
C1 - Party Subtype Field Organization Unit
C1 - Party Subtype For Profit Organization
C1 - Party Subtype Government Organization
C1 - Party Subtype Grouping

Property and Casualty Data Model, v1.0 109

 Subject Area Name Entity Name

C1 - Party Subtype Household

C1 - Party Subtype Not For Profit Organization
C1 - Party Subtype Organization
C1 - Party Subtype Organization Unit
C1 - Party Subtype Party
C1 - Party Subtype Party Relationship
C1 - Party Subtype Person
C1 - Party Subtype Professional Group
C1 - Party Subtype Project
C1 - Party Subtype Regional Office
C1 - Party Subtype Staff Position Assignment
C1 - Party Subtype Team
C1 - Party Subtype Territory
C2 - Insurable Object Subtype Animal
C2 - Insurable Object Subtype Automobile
C2 - Insurable Object Subtype Boat
C2 - Insurable Object Subtype Body Object
C2 - Insurable Object Subtype Bus
C2 - Insurable Object Subtype Combination Structure
C2 - Insurable Object Subtype Combine
C2 - Insurable Object Subtype Commercial Structure
C2 - Insurable Object Subtype Construction Vehicle
C2 - Insurable Object Subtype Dwelling
C2 - Insurable Object Subtype Farm Equipment
C2 - Insurable Object Subtype Freight Group
C2 - Insurable Object Subtype Geographic Location
C2 - Insurable Object Subtype Household
C2 - Insurable Object Subtype Household Content
C2 - Insurable Object Subtype Insurable Object
C2 - Insurable Object Subtype Manufactured Object
C2 - Insurable Object Subtype Milking Machine
C2 - Insurable Object Subtype Mobile Home
C2 - Insurable Object Subtype Motorcycle
C2 - Insurable Object Subtype Property In Transit
C2 - Insurable Object Subtype Recreational Vehicle
C2 - Insurable Object Subtype Residential Structure
C2 - Insurable Object Subtype Scheduled Item
C2 - Insurable Object Subtype Structure

110 Property and Casualty Data Model, v1.0

 Subject Area Name Entity Name

C2 - Insurable Object Subtype Tractor

C2 - Insurable Object Subtype Trailer
C2 - Insurable Object Subtype Transportation Class
C2 - Insurable Object Subtype Truck
C2 - Insurable Object Subtype Van
C2 - Insurable Object Subtype Vehicle
C2 - Insurable Object Subtype Watercraft
C2 - Insurable Object Subtype Workers Comp Class
C3 - Money Subtype Assumed Claim Amount
C3 - Money Subtype Assumed Policy Amount
C3 - Money Subtype Ceded Claim Amount
C3 - Money Subtype Ceded Policy Amount
C3 - Money Subtype Claim Amount
C3 - Money Subtype Claim Payment
C3 - Money Subtype Claim Reserve
C3 - Money Subtype Credit Claim Amount
C3 - Money Subtype Credit Policy Amount
C3 - Money Subtype Debit Claim Amount
C3 - Money Subtype Debit Policy amount
C3 - Money Subtype Deductible Recovery
C3 - Money Subtype Direct Claim Amount
C3 - Money Subtype Direct Policy Amount
C3 - Money Subtype Expense Payment
C3 - Money Subtype Expense Recovery
C3 - Money Subtype Expense Reserve
C3 - Money Subtype Fee
C3 - Money Subtype Loss Payment
C3 - Money Subtype Loss Recovery
C3 - Money Subtype Loss Reserve
C3 - Money Subtype Policy Amount
C3 - Money Subtype Premium
C3 - Money Subtype Recovery
C3 - Money Subtype Reinsurance Recovery
C3 - Money Subtype Salvage
C3 - Money Subtype Subrogation
C3 - Money Subtype Surcharge
C3 - Money Subtype Tax
C4 - Event Subtype Audit

Property and Casualty Data Model, v1.0 111

 Subject Area Name Entity Name

C4 - Event Subtype Binding

C4 - Event Subtype Business Event
C4 - Event Subtype Cancel
C4 - Event Subtype Claim Event
C4 - Event Subtype Endorsement
C4 - Event Subtype Event
C4 - Event Subtype Flat
C4 - Event Subtype Full Term
C4 - Event Subtype Life Event
C4 - Event Subtype Mid Term
C4 - Event Subtype New Business
C4 - Event Subtype Policy
C4 - Event Subtype Policy Event
C4 - Event Subtype Pre Qualification
C4 - Event Subtype Pro Rata
C4 - Event Subtype Quote
C4 - Event Subtype Reinstatement
C4 - Event Subtype Renewal
C4 - Event Subtype Short Rate
D1 - Product Coverage Reference Company
D1 - Product Coverage Reference Company Jurisdiction
D1 - Product Coverage Reference Coverage
D1 - Product Coverage Reference Coverage Group
D1 - Product Coverage Reference Coverage Level
D1 - Product Coverage Reference Coverage Limit Type
D1 - Product Coverage Reference Coverage Part
D1 - Product Coverage Reference Coverage Type
D1 - Product Coverage Reference Geographic Location
D1 - Product Coverage Reference Insurance Class
D1 - Product Coverage Reference Insurance Rating Classification Code
D1 - Product Coverage Reference Line Of Business
D1 - Product Coverage Reference Line Of Business Group
D1 - Product Coverage Reference Product
D1 - Product Coverage Reference Product Coverage
D1 - Product Coverage Reference Product License
D1 - Product Coverage Reference Rating Territory
D1 - Product Coverage Reference Rating Territory Geographic Location
D1 - Product Coverage Reference State

112 Property and Casualty Data Model, v1.0

8.7.2 Entity Attributes
This sub clause lists all the attributes within an entity shown on a data model.

Log Entity Name Attribute Name Required Is PK Is FK Domain Name

Seq
1 Account Account Identifier Yes Yes No Account Identifier
2 Account Account Name No No No Medium Name
3 Account Account Type Code No No No Account Type Code
4 Account Agreement Account Identifier Yes Yes Yes Account Identifier
5 Account Agreement Agreement Identifier Yes Yes Yes Agreement Identifier
6 Account Party Role Account Identifier Yes Yes Yes Account Identifier
7 Account Party Role Party Identifier Yes Yes Yes Party Identifier
8 Account Party Role Party Role Code Yes Yes Yes Party Role Code
9 Account Provider Party Role Code Yes Yes Yes Party Role Code
10 Account Role Party Role Code Yes Yes Yes Party Role Code
11 Accountability Party Role Code Yes Yes Yes Party Role Code
12 Additional Interest Party Role Code Yes Yes Yes Party Role Code
13 Adjuster Party Role Code Yes Yes Yes Party Role Code
14 Administrative Organization Identifier Yes Yes Yes Organization Identifier
Organization Unit
15 Agency Contract Agreement Identifier Yes Yes Yes Agreement Identifier
16 Agent Party Role Code Yes Yes Yes Party Role Code
17 Agreement Agreement Identifier Yes Yes No Agreement Identifier
18 Agreement Agreement Name No No No Medium Name
19 Agreement Agreement Original No No No Inception Date
Inception Date
20 Agreement Agreement Type Code No No No Agreement Type Code
21 Agreement Product Identifier No No Yes Product Identifier
22 Agreement Agreement Identifier Yes Yes Yes Agreement Identifier
Assessment
23 Agreement Assessment Identifier Yes Yes Yes Assessment Identifier
Assessment
24 Agreement Party Agreement Identifier Yes Yes Yes Agreement Identifier
Role
25 Agreement Party Effective Date Yes Yes No Effective Date
Role
26 Agreement Party Expiration Date No No No Expiration Date
Role
27 Agreement Party Party Identifier Yes Yes Yes Party Identifier
Role

Property and Casualty Data Model, v1.0 113

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
28 Agreement Party Party Role Code Yes Yes Yes Party Role Code
Role
29 Agreement Role Party Role Code Yes Yes Yes Party Role Code
30 Animal Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
31 Approval Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
32 Arbitration Arbitration Description No No No Long Description
33 Arbitration Arbitration Identifier Yes Yes No Arbitration Identifier
34 Arbitration Party Arbitration Identifier Yes Yes Yes Arbitration Identifier
Role
35 Arbitration Party Begin Date Yes Yes No Begin Date
Role
36 Arbitration Party Claim Identifier Yes Yes Yes Claim Identifier
Role
37 Arbitration Party End Date No No No End Date
Role
38 Arbitration Party Party Identifier Yes Yes Yes Party Identifier
Role
39 Arbitration Party Party Role Code Yes Yes Yes Party Role Code
Role
40 Assessment Party Assessment Identifier Yes Yes Yes Assessment Identifier
Role
41 Assessment Party Begin Date No No No Begin Date
Role
42 Assessment Party End Date No No No End Date
Role
43 Assessment Party Party Identifier Yes Yes Yes Party Identifier
Role
44 Assessment Party Party Role Code Yes Yes Yes Party Role Code
Role
45 Assessment Assessment No No No Long Description
Description
46 Assessment Assessment Identifier Yes Yes No Assessment Identifier
47 Assessment Assessment Reason No No No Medium Description
Description
48 Assessment Begin Date No No No Begin Date
49 Assessment End Date No No No End Date
50 Assessment Result Assessment Identifier No No Yes Assessment Identifier
51 Assessment Result Assessment Result Yes Yes No Assessment Result
Identifier Identifier
52 Assessment Result Assessment Result No No No Assessment Result Type
Type Code Code

114 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
53 Assumed Claim Claim Amount Yes Yes Yes Claim Amount Identifier
Amount Identifier
54 Assumed Policy Policy Amount Yes Yes Yes Policy Amount Identifier
Amount Identifier
55 Attorney Party Role Code Yes Yes Yes Party Role Code
56 Audit Event Identifier Yes Yes Yes Event Identifier
57 Auditor Party Role Code Yes Yes Yes Party Role Code
58 Auto Repair Shop Agreement Identifier Yes Yes Yes Agreement Identifier
Contract
59 Automobile Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
60 Binding Event Identifier Yes Yes Yes Event Identifier
61 Boat Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
62 Body Object Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
63 Branch Office Branch Office Identifier Yes Yes No Party Identifier
64 Branch Office Organization Identifier Yes Yes Yes Organization Identifier
65 Branch Office Regional Office Yes Yes Yes Party Identifier
Identifier
66 Branch Office Territory Identifier Yes Yes Yes Party Identifier
67 Broker Party Role Code Yes Yes Yes Party Role Code
68 Brokerage Contract Agreement Identifier Yes Yes Yes Agreement Identifier
69 Bus Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
70 Business Event Event Identifier Yes Yes Yes Event Identifier
71 Buyer Party Role Code Yes Yes Yes Party Role Code
72 Cancel Event Identifier Yes Yes Yes Event Identifier
73 Catastrophe Catastrophe Identifier Yes Yes No Catastrophe Identifier
74 Catastrophe Catastrophe Name No No No Medium Name
75 Catastrophe Catastrophe Type No No No Catastrophe Type Code
Code
76 Catastrophe Company Catastrophe No No No Company Catastrophe
Code Code
77 Catastrophe Industry Catastrophe No No No Industry Catastrophe
Code Code
78 Ceded Claim Claim Amount Yes Yes Yes Claim Amount Identifier
Amount Identifier
79 Ceded Policy Policy Amount Yes Yes Yes Policy Amount Identifier
Amount Identifier
80 Channel Role Party Role Code Yes Yes Yes Party Role Code

Property and Casualty Data Model, v1.0 115

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
81 Channel Score Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
82 Claim Catastrophe Identifier No No Yes Catastrophe Identifier
83 Claim Claim Close Date No No No Date
84 Claim Claim Description No No No Long Description
85 Claim Claim Identifier Yes Yes No Claim Identifier
86 Claim Claim Open Date No No No Date
87 Claim Claim Reopen Date No No No Date
88 Claim Claim Reported Date No No No Date
89 Claim Claim Status Code No No No Claim Status Code
90 Claim Claims Made Date No No No Date
91 Claim Company Claim No No No Company Claim Number
Number
92 Claim Company Subclaim No No No Company Subclaim
Number Number
93 Claim Entry Into Claims No No No Date
Made Program Date
94 Claim Insurable Object No No Yes Insurable Object Identifier
Identifier
95 Claim Occurrence Identifier No No Yes Occurrence Identifier
96 Claim Administrator Party Role Code Yes Yes Yes Party Role Code
97 Claim Amount Amount Type Code No No No Amount Type Code
98 Claim Amount Claim Amount No No No Amount
99 Claim Amount Claim Amount Yes Yes No Claim Amount Identifier
Identifier
100 Claim Amount Claim Identifier Yes No Yes Claim Identifier
101 Claim Amount Claim Offer Identifier No No Yes Claim Offer Identifier
102 Claim Amount Event Date No No No Event Date
103 Claim Amount Insurance Type Code No No No Insurance Type Code
104 Claim Arbitration Arbitration Identifier Yes Yes Yes Arbitration Identifier
105 Claim Arbitration Claim Identifier Yes Yes Yes Claim Identifier
106 Claim Assessment Assessment Identifier Yes Yes Yes Assessment Identifier
107 Claim Assessment Claim Identifier Yes Yes Yes Claim Identifier
108 Claim Coverage Claim Identifier Yes Yes Yes Claim Identifier
109 Claim Coverage Effective Date Yes Yes Yes Effective Date
110 Claim Coverage Policy Coverage Detail Yes Yes Yes Policy Coverage Detail
Identifier Identifier
111 Claim Evaluation Assessment Result Yes Yes Yes Assessment Result
Result Identifier Identifier
112 Claim Event Event Identifier Yes Yes Yes Event Identifier
113 Claim Examiner Party Role Code Yes Yes Yes Party Role Code

116 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
114 Claim Expert Party Role Code Yes Yes Yes Party Role Code
115 Claim Folder Claim Folder Label No No No Medium Name
Name
116 Claim Folder Claim Identifier Yes Yes Yes Claim Identifier
117 Claim Folder Claim Identifier Yes Yes Yes Claim Identifier
Document
118 Claim Folder Document Link Value No No No Long_Variable_Value
Document
119 Claim Folder Document Sequence Yes Yes No Sequence Number
Document Number
120 Claim Fraud Party Role Code Yes Yes Yes Party Role Code
Examiner
121 Claim Legal Expert Party Role Code Yes Yes Yes Party Role Code
122 Claim Litigation Claim Identifier Yes Yes Yes Claim Identifier
123 Claim Litigation Litigation Identifier Yes Yes Yes Litigation Identifier
124 Claim Offer Arbitration Identifier No No Yes Arbitration Identifier
125 Claim Offer Claim Identifier Yes No Yes Claim Identifier
126 Claim Offer Claim Offer Identifier Yes Yes No Claim Offer Identifier
127 Claim Offer Litigation Identifier No No Yes Litigation Identifier
128 Claim Offer Settlement Offer No No No Amount
Amount
129 Claim Offer Settlement Offer No No No Long Description
Provision Description
130 Claim Party Role Begin Date Yes Yes No Begin Date
131 Claim Party Role Claim Identifier Yes Yes Yes Claim Identifier
132 Claim Party Role End Date No No No End Date
133 Claim Party Role Party Identifier Yes Yes Yes Party Identifier
134 Claim Party Role Party Role Code Yes Yes Yes Party Role Code
135 Claim Payment Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
136 Claim Party Role Code Yes Yes Yes Party Role Code
Representative
137 Claim Reserve Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
138 Claim Role Party Role Code Yes Yes Yes Party Role Code
139 Claim Witness Party Role Code Yes Yes Yes Party Role Code
140 Claimant Party Role Code Yes Yes Yes Party Role Code
141 Claimee Party Role Code Yes Yes Yes Party Role Code
142 Combination Insurable Object Yes Yes Yes Insurable Object Identifier
Structure Identifier
143 Combine Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier

Property and Casualty Data Model, v1.0 117

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
144 Commercial Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
145 Commercial Insurable Object Yes Yes Yes Insurable Object Identifier
Structure Identifier
146 Communication Communication Yes Yes No Communication Identifier
Identify Identifier
147 Communication Communication No No No Long_Variable_Value
Identify Qualifier Value
148 Communication Communication Type No No No Communication Type
Identify Code Code
149 Communication Communication Value No No No Long_Variable_Value
Identify
150 Communication Geographic Location No No Yes Geographic Location
Identify Identifier Identifier
151 Commutation Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
152 Company Company Code No No No Company Code
153 Company Company Description No No No Code Description
154 Company Company Identifier Yes Yes No Company Identifier
155 Company Company Name No No No Code Name
156 Company Company Identifier Yes Yes Yes Company Identifier
Jurisdiction
157 Company Geographic Location Yes Yes Yes Geographic Location
Jurisdiction Identifier Identifier
158 Construction Vehicle Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
159 Consultant Contract Agreement Identifier Yes Yes Yes Agreement Identifier
160 Contractor Party Role Code Yes Yes Yes Party Role Code
161 Court Jurisdiction Court Identifier Yes Yes No Court Identifier
162 Court Jurisdiction Court Name No No No Medium Name
163 Court Jurisdiction Jurisdiction Identifier Yes Yes No Jurisdiction Identifier
164 Coverage Coverage Description No No No Long Description
165 Coverage Coverage Group No No Yes Coverage Group Identifier
Identifier
166 Coverage Coverage Identifier Yes Yes No Coverage Identifier
167 Coverage Coverage Name No No No Long Name
168 Coverage Coverage Part Code No No Yes Coverage Part Code
169 Coverage Coverage Type No No Yes Coverage Type Identifier
Identifier
170 Coverage Group Coverage Group No No No Medium Description
Description

118 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
171 Coverage Group Coverage Group Yes Yes No Coverage Group Identifier
Identifier
172 Coverage Group Coverage Group No No No Medium Name
Name
173 Coverage Level Aggregate Limit No No No Amount
Amount
174 Coverage Level Coverage Identifier Yes Yes Yes Coverage Identifier
175 Coverage Level Coverage Label Name No No No Long Name
176 Coverage Level Coverage Level Yes Yes No Coverage Level Identifier
Identifier
177 Coverage Level Coverage Limit Type Yes Yes Yes Coverage Limit Type
Identifier Identifier
178 Coverage Level Deductible Rate No No No Rate
179 Coverage Level Maximum Per Claim No No No Amount
Amount
180 Coverage Level Maximum Per Person No No No Amount
Amount
181 Coverage Limit Type Coverage Limit No No No Medium Description
Description
182 Coverage Limit Type Coverage Limit Name No No No Medium Name
183 Coverage Limit Type Coverage Limit Type Yes Yes No Coverage Limit Type
Identifier Identifier
184 Coverage Part Coverage Part Code Yes Yes No Coverage Part Code
185 Coverage Part Coverage Part Name No No No Medium Name
186 Coverage Type Coverage Type No No No Code Description
Description
187 Coverage Type Coverage Type Yes Yes No Coverage Type Identifier
Identifier
188 Coverage Type Coverage Type Name No No No Medium Name
189 Credit Claim Amount Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
190 Credit Policy Policy Amount Yes Yes Yes Policy Amount Identifier
Amount Identifier
191 Credit Rating Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
192 Customer Party Role Code Yes Yes Yes Party Role Code
193 Customer Score Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
194 Debit Claim Amount Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
195 Debit Policy Amount Policy Amount Yes Yes Yes Policy Amount Identifer
Identifier

Property and Casualty Data Model, v1.0 119

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
196 Deductible Recovery Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
197 Demographic Score Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
198 Department Department Identifier Yes Yes No Organization Identifier
199 Department Organization Identifier Yes Yes Yes Organization Identifier
200 Derivative Contract Agreement Identifier Yes Yes Yes Agreement Identifier
201 Direct Claim Amount Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
202 Direct Policy Amount Policy Amount Yes Yes Yes Policy Amount Identifier
Identifier
203 Driver Party Role Code Yes Yes Yes Party Role Code
204 Dwelling Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
205 Employment Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
206 Endorsement Event Identifier Yes Yes Yes Event Identifier
207 Event Event Identifier Yes Yes No Event Identifier
208 Expense Payment Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
209 Expense Recovery Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
210 Expense Reserve Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
211 Farm Equipment Insurable Object Yes Yes Yes Legal Jurisdiction
Identifier Identifier
212 Fee Policy Amount Yes Yes Yes Policy Amount Identifier
Identifier
213 Field Organization Organization Identifier Yes Yes Yes Organization Identifier
Unit
214 Financial Account Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
215 Financial Adviser Party Role Code Yes Yes Yes Party Role Code
216 Financial Analyst Party Role Code Yes Yes Yes Party Role Code
217 Financial Interest Party Role Code Yes Yes Yes Party Role Code
Role
218 Financial Service Party Role Code Yes Yes Yes Party Role Code
219 Financial Services Assessment Result Yes Yes Yes Assessment Result
Assessment Identifier Identifier
220 Financial Valuation Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
221 Flat Event Identifier Yes Yes Yes Event Identifier

120 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
222 For Profit Organization Identifier Yes Yes Yes Organization Identifier
Organization
223 Fraud Assessment Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
224 Freight Group Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
225 Full Term Event Identifier Yes Yes Yes Event Identifier
226 Geographic Location Geographic Location Yes Yes No Geographic Location
Identifier Identifier
227 Geographic Location Geographic Location No No No Geographic Location
Type Code Type Code
228 Geographic Location Location Address No No Yes Location Address
Identifier Identifier
229 Geographic Location Location Code No No No Location Code
230 Geographic Location Location Name No No No Medium Name
231 Geographic Location Location Number No No No Medium_Variable_Value
232 Geographic Location Parent Geographic No No Yes Geographic Location
Location Identifier Identifier
233 Geographic Location Physical Location No No Yes Physical Location
Identifier Identifier
234 Geographic Location State Code No No Yes State Code
235 Government Organization Identifier Yes Yes Yes Organization Identifier
Organization
236 Group Agreement Agreement Identifier Yes Yes Yes Agreement Identifier
237 Grouping Grouping Identifier Yes Yes Yes Grouping Identifier
238 Grouping Grouping Name No No No Medium Name
239 Health Care Party Role Code Yes Yes Yes Party Role Code
Provider
240 Household Household Identifier Yes Yes Yes Grouping Identifier
241 Household Content Household Identifier No No Yes Grouping Identifier
242 Household Content Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
243 Household Person Household Identifier Yes Yes Yes Grouping Identifier
244 Household Person Person Identifier Yes Yes Yes Person Identifier
245 Household Person Begin Date Yes Yes No Begin Date
Role
246 Household Person End Date No No No End Date
Role
247 Household Person Household Identifier Yes Yes Yes Grouping Identifier
Role
248 Household Person Party Role Code Yes Yes Yes Party Role Code
Role

Property and Casualty Data Model, v1.0 121

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
249 Household Person Person Identifier Yes Yes Yes Person Identifier
Role
250 Independent Party Role Code Yes Yes Yes Party Role Code
Adjuster
251 Individual Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
252 Inhouse Adjuster Party Role Code Yes Yes Yes Party Role Code
253 Inpatient Party Role Code Yes Yes Yes Party Role Code
254 Insurable Object Geographic Location No No Yes Geographic Location
Identifier Identifier
255 Insurable Object Insurable Object Yes Yes No Insurable Object Identifier
Identifier
256 Insurable Object Insurable Object Type No No No Insurable Object Type
Code Code
257 Insurable Object Effective Date Yes Yes No Effective Date
Party Role
258 Insurable Object Expiration Date No No No Expiration Date
Party Role
259 Insurable Object Insurable Object Yes Yes Yes Insurable Object Identifier
Party Role Identifier
260 Insurable Object Party Identifier Yes Yes Yes Party Identifier
Party Role
261 Insurable Object Party Role Code Yes Yes Yes Party Role Code
Party Role
262 Insurance Class Insurance Class No No No Code Description
Description
263 Insurance Class Insurance Class Yes Yes No Insurance Class Identifier
Identifier
264 Insurance Class Insurance Class Name No No No Code Name
265 Insured Party Role Code Yes Yes Yes Party Role Code
266 Insured Account Account Identifier Yes Yes Yes Account Identifier
267 Insurer Party Role Code Yes Yes Yes Party Role Code
268 Intermediary Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
269 Legal Adviser Party Role Code Yes Yes Yes Party Role Code
270 Legal Jurisdiction Legal Jurisdiction No No No Code Description
Description
271 Legal Jurisdiction Legal Jurisdiction Yes Yes No Legal Jurisdiction
Identifier Identifier
272 Legal Jurisdiction Legal Jurisdiction No No No Code Name
Name
273 Legal Jurisdiction Rules Reference No No No Long Description
Description

122 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
274 Legal Jurisdiction Legal Classification No No No Legal Classification Code
Party Identity Code
275 Legal Jurisdiction Legal Entity Type No No No Legal Entity Type Code
Party Identity Code
276 Legal Jurisdiction Legal Jurisdiction Yes Yes Yes Legal Jurisdiction
Party Identity Identifier Identifier
277 Legal Jurisdiction Legal Jurisdiction No No No Legal Jurisdiction Party
Party Identity Party Identifier Identifier
278 Legal Jurisdiction Party Identity Yes Yes Yes Party Identifier
Party Identity
279 Life Event Event Identifier Yes Yes Yes Event Identifier
280 Line Of Business Insurance Class Yes No Yes Insurance Class Identifier
Identifier
281 Line Of Business Line Of Business Code No No No Line Of Business Code
282 Line Of Business Line Of Business No No No Code Description
Description
283 Line Of Business Line Of Business Yes No Yes Line Of Business Group
Group Identifier Identifier
284 Line Of Business Line Of Business Yes Yes No Line Of Business Identifier
Identifier
285 Line Of Business Line Of Business No No No Code Name
Name
286 Line Of Business Line Of Business No No No Code Description
Group Group Description
287 Line Of Business Line Of Business Yes Yes No Line Of Business Group
Group Group Identifier Identifier
288 Line Of Business Line Of Business No No No Code Name
Group Group Name
289 Litigation Court Identifier No No Yes Court Identifier
290 Litigation Jurisdiction Identifier No No Yes Jurisdiction Identifier
291 Litigation Litigation Description No No No Long Description
292 Litigation Litigation Identifier Yes Yes No Litigation Identifier
293 Litigation Party Role Begin Date Yes Yes No Begin Date
294 Litigation Party Role Claim Identifier Yes Yes Yes Claim Identifier
295 Litigation Party Role End Date No No No End Date
296 Litigation Party Role Litigation Identifier Yes Yes Yes Litigation Identifier
297 Litigation Party Role Party Identifier Yes Yes Yes Party Identifier
298 Litigation Party Role Party Role Code Yes Yes Yes Party Role Code
299 Location Address Begin Date No No No Begin Date
300 Location Address Country Code No No No Country Code
301 Location Address End Date No No No End Date
302 Location Address Line 1 Address No No No Medium Address

Property and Casualty Data Model, v1.0 123

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
303 Location Address Line 2 Address No No No Medium Address
304 Location Address Location Address Yes Yes No Location Address
Identifier Identifier
305 Location Address Municipality Name No No No Medium Name
306 Location Address Postal Code No No No Postal Code
307 Location Address State Code No No Yes State Code
308 Loss Payee Party Role Code Yes Yes Yes Party Role Code
309 Loss Payment Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
310 Loss Recovery Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
311 Loss Reserve Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
312 Manager Party Role Code Yes Yes Yes Party Role Code
313 Managing General Party Role Code Yes Yes Yes Party Role Code
Agent
314 Manufactured Insurable Object Yes Yes Yes Insurable Object Identifier
Object Identifier
315 Medical Condition Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
316 Mid Term Event Identifier Yes Yes Yes Event Identifier
317 Milking Machine Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
318 Mobile Home Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
319 Motorcycle Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
320 Mutual Fund Party Role Code Yes Yes Yes Party Role Code
Provider
321 New Business Event Identifier Yes Yes Yes Event Identifier
322 Not For Profit Organization Identifier Yes Yes Yes Organization Identifier
Organization
323 Object Assessment Assessment Identifier Yes Yes Yes Assessment Identifier
324 Object Assessment Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
325 Occurrence Catastrophic Event No No No Indicator
Indicator
326 Occurrence Geographic Location No No Yes Geographic Location
Identifier Identifier
327 Occurrence Occurrence Begin No No No Begin Date
Date
328 Occurrence Occurrence Begin No No No Time
Time

124 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
329 Occurrence Ocurrence End Date No No No End Date
330 Occurrence Occurrence End Time No No No Time
331 Occurrence Occurrence Identifier Yes Yes No Occurrence Identifier
332 Occurrence Occurrence Name No No No Medium Name
333 Organization Acronym Name No No No Short Name
334 Organization Alternate Name No No No Long Name
335 Organization Dun And Bradstreet No No No Dun And Bradstreet
Identifier Identifier
336 Organization Industry Code No No No Industry Code
337 Organization Industry Type Code No No No Industry Type Code
338 Organization Organization No No No Long Description
Description
339 Organization Organization Identifier Yes Yes Yes Organization Identifier
340 Organization Organization Name No No No Medium Name
341 Organization Organization Type No No No Organization Type Code
Code
342 Organization Unit Accounting Code No No No Accounting Code
343 Organization Unit Industry Code No No No Industry Code
344 Organization Unit Organization Identifier Yes Yes Yes Organization Identifier
345 Organization Unit Organization Unit No No No Medium Description
Description
346 Organization Unit Organization Unit No No No Medium Name
Name
347 Organization Unit Work Site Type Code No No No Work Site Type Code
348 Other Assessment Assessment Result Yes Yes Yes Assessment Result
Result Identifier Identifier
349 Outpatient Party Role Code Yes Yes Yes Party Role Code
350 Party Begin Date No No No Begin Date
351 Party End Date No No No End Date
352 Party Party Identifier Yes Yes No Party Identifier
353 Party Party Name No No No Medium Name
354 Party Party Type Code No No No Party Type Code
355 Party Assessment Assessment Identifier Yes Yes Yes Assessment Identifier
356 Party Assessment Party Identifier Yes Yes Yes Party Identifier
357 Party Assessment Person Identifier Yes Yes Yes Person Identifier
358 Party Begin Date Yes Yes No Begin Date
Communication
359 Party Communication Yes Yes Yes Communication Identifier
Communication Identifier
360 Party End Date No No No End Date
Communication

Property and Casualty Data Model, v1.0 125

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
361 Party Party Identifier Yes Yes Yes Party Identifier
Communication
362 Party Party Locality Code Yes Yes No Locality Code
Communication
363 Party Party Routing No No No Medium Description
Communication Description
364 Party Preference Day And No No No Day And Time Group
Communication Time Group Code Code
365 Party Preference Sequence No No No Sequence Number
Communication Number
366 Party Preference Party Identifier Yes Yes Yes Party Identifier
367 Party Preference Preferred Language No No No Language Code
Code
368 Party Relationship Begin Date Yes Yes No Begin Date
369 Party Relationship End Date No No No End Date
370 Party Relationship Party Identifier Yes Yes Yes Party Identifier
371 Party Relationship Related Party Identifier Yes Yes Yes Party Identifier
372 Party Relationship Relationship Type Yes Yes No Relationship Type Code
Code
373 Party Relationship Party Identifier Yes Yes Yes Party Identifier
Role
374 Party Relationship Party Role Code Yes Yes Yes Party Role Code
Role
375 Party Relationship Related Party Identifier Yes Yes Yes Party Identifier
Role
376 Party Relationship Relationship Begin Yes Yes Yes Begin Date
Role Date
377 Party Relationship Relationship Type Yes Yes Yes Relationship Type Code
Role Code
378 Party Relationship Role Begin Date Yes Yes No Begin Date
Role
379 Party Role Party Role Code Yes Yes No Party Role Code
380 Party Role Party Role Description No No No Code Description
381 Party Role Party Role Name No No No Code Name
382 Patient Party Role Code Yes Yes Yes Party Role Code
383 Person Birth Date No No No Date
384 Person Birth Place Name No No No Medium Name
385 Person First Name No No No Short Name
386 Person Full Legal Name No No No Medium Name
387 Person Gender Code No No No Gender Code
388 Person Last Name No No No Short Name
389 Person Middle Name No No No Short Name

126 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
390 Person Nickname No No No Short Name
391 Person Person Identifier Yes Yes Yes Person Identifier
392 Person Prefix Name No No No Prefix-Suffix Name
393 Person Suffix Name No No No Prefix-Suffix Name
394 Person Profession Person Identifier Yes Yes Yes Person Identifier
395 Person Profession Profession Name No No No Medium Name
396 Physical Location Altitude Mean Sea No No No Medium_Variable_Value
Level Value
397 Physical Location Altitude Value No No No Medium_Variable_Value
398 Physical Location Horizontal Accuracy No No No Medium_Variable_Value
Value
399 Physical Location Latitude Value No No No Latitude Or Longitude
400 Physical Location Location Address No No Yes Location Address
Identifier Identifier
401 Physical Location Longitude Value No No No Latitude Or Longitude
402 Physical Location Physical Location Yes Yes No Physical Location
Identifier Identifier
403 Physical Location Physical Location No No No Medium Name
Name
404 Physical Location Travel Direction No No No Medium Description
Description
405 Physical Location Vertical Accuracy No No No Medium_Variable_Value
Value
406 Physical Object Assessment Result Yes Yes Yes Assessment Result
Assessment Identifier Identifier
407 Place Assessment Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
408 Policy Effective Date No No No Effective Date
409 Policy Expiration Date No No No Expiration Date
410 Policy Geographic Location No No Yes Geographic Location
Identifier Identifier
411 Policy Policy Identifier Yes Yes Yes Agreement Identifier
412 Policy Policy Number No No No Policy Number Value
413 Policy Status Code No No No Status Code
414 Policy Amount Amount Type Code No No No Account Type Code
415 Policy Amount Earning Begin Date No No No Begin Date
416 Policy Amount Earning End Date No No No End Date
417 Policy Amount Effective Date No No Yes Effective Date
418 Policy Amount Geographic Location Yes No Yes Geographic Location
Identifier Identifier
419 Policy Amount Insurable Object No No Yes Insurable Object Identifier
Identifier

Property and Casualty Data Model, v1.0 127

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
420 Policy Amount Insurance Type Code No No No Insurance Type Code
421 Policy Amount Policy Amount No No No Amount
422 Policy Amount Policy Amount Yes Yes No Policy Amount Identifier
Identifier
423 Policy Amount Policy Coverage Detail No No Yes Policy Coverage Detail
Identifier Identifier
424 Policy Amount Policy Identifier No No Yes Agreement Identifier
425 Policy coverage Coverage Description No No No Medium Description
Detail
426 Policy Coverage Coverage Identifier Yes No Yes Coverage Identifier
Detail
427 Policy Coverage Coverage Inclusion No No No Coverage Inclusion
Detail Exclusion Code Exclusion Code
428 Policy Coverage Coverage Part Code Yes No Yes Coverage Part Code
Detail
429 Policy Coverage Effective Date Yes Yes No Effective Date
Detail
430 Policy Coverage Expiration Date No No No Expiration Date
Detail
431 Policy Coverage Insurable Object Yes No Yes Insurable Object Identifier
Detail Identifier
432 Policy Coverage Policy Coverage Detail Yes Yes No Policy Coverage Detail
Detail Identifier Identifier
433 Policy Coverage Policy Identifier Yes No Yes Agreement Identifier
Detail
434 Policy Coverage Coverage Part Code Yes Yes Yes Coverage Part Code
435 Policy Coverage Policy Identifier Yes Yes Yes Agreement Identifier
436 Policy Deductible Deductible Basis Code No No No Deductible Basis Code
437 Policy Deductible Deductible Type Code No No No Deductible Type Code
438 Policy Deductible Deductible Value No No No Deductible Value
439 Policy Deductible Effective Date No No Yes Effective Date
440 Policy Deductible Policy Coverage Detail No No Yes Policy Coverage Detail
Identifier Identifier
441 Policy Deductible Policy Deductible Yes Yes No Policy Deductible
Identifier Identifier
442 Policy Event Effective Date No No No Effective Date
443 Policy Event Event Date No No No Event Date
444 Policy Event Event Identifier Yes Yes Yes Event Identifier
445 Policy Event Event Sub Type Code No No No Event Sub Type Code
446 Policy Event Event Type Code No No No Event Type Code
447 Policy Event Policy Identifier No No Yes Agreement Identifier
448 Policy Form Form Value No No No Policy Form Value

128 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
449 Policy Form Policy Form Number Yes Yes No Policy Form Value
450 Policy Form Policy Identifier Yes Yes Yes Agreement Identifier
451 Policy Limit Effective Date No No Yes Effective Date
452 Policy Limit Limit Basis Code No No No Limit Basis Code
453 Policy Limit Limit Type Code No No No Limit Type Code
454 Policy Limit Limit Value No No No Limit Value
455 Policy Limit Policy Coverage Detail No No Yes Policy Coverage Detail
Identifier Identifier
456 Policy Limit Policy Limit Identifier Yes Yes No Policy Limit Identifier
457 Policy Relationship Effective Date Yes Yes No Effective Date
458 Policy Relationship Expiration Date No No No Expiration Date
459 Policy Relationship Policy Identifier Yes Yes Yes Agreement Identifier
460 Policy Relationship Related Policy Yes Yes Yes Agreement Identifier
Identifier
461 Policy Relationship Relationship Code Yes Yes No Relationship Code
462 Pre Qualification Event Identifier Yes Yes Yes Event Identifier
463 Premium Policy Amount Yes Yes Yes Policy Amount Identifier
Identifier
464 Premium Auditor Party Role Code Yes Yes Yes Party Role Code
465 Pro Rata Event Identifier Yes Yes Yes Event Identifier
466 Producer Party Role Code Yes Yes Yes Party Role Code
467 Product Licensed Product No No No Medium Name
Name
468 Product Line Of Business Yes No Yes Line Of Business Identifier
Identifier
469 Product Product Description No No No Medium Description
470 Product Product Identifier Yes Yes No Product Identifier
471 Product Coverage Coverage Identifier Yes Yes Yes Coverage Identifier
472 Product Coverage Product Identifier Yes Yes Yes Product Identifier
473 Product License Company Identifier Yes Yes Yes Company Identifier
474 Product License Effective Date No No No Effective Date
475 Product License Expiration Date No No No Expiration Date
476 Product License Geographic Location Yes Yes Yes Geographic Location
Identifier Identifier
477 Product License Product Identifier Yes Yes Yes Product Identifier
478 Professional Group Grouping Identifier Yes Yes Yes Grouping Identifier
479 Project Grouping Identifier Yes Yes Yes Grouping Identifier
480 Property In Transit Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
481 Prospect Party Role Code Yes Yes Yes Party Role Code

Property and Casualty Data Model, v1.0 129

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
482 Provider Party Role Code Yes Yes Yes Party Role Code
483 Provider Agreement Agreement Identifier Yes Yes Yes Agreement Identifier
484 Public Adjuster Party Role Code Yes Yes Yes Party Role Code
485 Quote Event Identifier Yes Yes Yes Event Identifier
486 Rating Territory Rating Territory Yes No No Organization Identifier
Assigning
Organization Identifier
487 Rating Territory Rating Territory Code No No No Rating Territory Code
488 Rating Territory Rating Territory Code No No No Rating Territory Code Set
Set Identifier Identifier
489 Rating Territory Rating Territory Yes Yes No Rating Territory Identifier
Identifier
490 Rating Territory Geographic Location Yes Yes Yes Geographic Location
Geographic Location Identifier Identifier
491 Rating Territory Rating Territory Yes Yes Yes Rating Territory Identifier
Geographic Location Identifier
492 Recovery Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
493 Recovery Claim Amount Yes Yes No Claim Amount Identifier
Identifier
494 Recreational Vehicle Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
495 Regional Office Organization Identifier Yes Yes Yes Organization Identifier
496 Regional Office Regional Office Yes Yes No Party Identifier
Identifier
497 Regional Office Territory Identifier Yes Yes Yes Party Identifier
498 Reinstatement Event Identifier Yes Yes Yes Event Identifier
499 Reinsurance Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
500 Reinsurance Claim Amount Yes Yes Yes Claim Amount Identifier
Recovery Identifier
501 Renewal Event Identifier Yes Yes Yes Event Identifier
502 Residential Insurable Object Yes Yes Yes Insurable Object Identifier
Structure Identifier
503 Risk Factor Score Assessment Result Yes Yes Yes Assessment Result
Identifier Identifier
504 Salvage Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
505 Scheduled Item Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
506 Service Provider Party Role Code Yes Yes Yes Party Role Code
507 Short Rate Event Identifier Yes Yes Yes Event Identifier
508 Staff Party Role Code Yes Yes Yes Party Role Code

130 Property and Casualty Data Model, v1.0

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
509 Staff Classification Staff Classification Yes Yes No Staff Classification Code
Code
510 Staff Classification Staff Classification No No No Medium Description
Description
511 Staff Classification Staff Classification No No No Code Name
Name
512 Staff Position Staff Classification No No Yes Staff Classification Code
Code
513 Staff Position Staff Position No No No Code Description
Description
514 Staff Position Staff Position Identifier Yes Yes No Staff Position Identifier
515 Staff Position Staff Position Name No No No Code Name
516 Staff Position Begin Date Yes Yes No Begin Date
Assignment
517 Staff Position End Date No No No End Date
Assignment
518 Staff Position Organization Identifier Yes Yes Yes Organization Identifier
Assignment
519 Staff Position Person Identifier Yes Yes Yes Person Identifier
Assignment
520 Staff Position Staff Position Identifier Yes Yes Yes Staff Position Identifier
Assignment
521 Staff Role Party Role Code Yes Yes Yes Party Role Code
522 Staff Work Begin Date Yes Yes No Begin Date
Assignment
523 Staff Work End Date No No No End Date
Assignment
524 Staff Work Grouping Identifier Yes Yes Yes Grouping Identifier
Assignment
525 Staff Work Organization Identifier Yes Yes Yes Organization Identifier
Assignment
526 Staff Work Party Role Code Yes Yes Yes Party Role Code
Assignment
527 Staff Work Person Identifier Yes Yes Yes Person Identifier
Assignment
528 Staffing Agreement Agreement Identifier Yes Yes Yes Agreement Identifier
529 Staffing Party Role Code Yes Yes Yes Party Role Code
Organization
530 State State Code Yes Yes No State Code
531 State State Name No No No Code Name
532 Structure Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
533 Subcontractor Party Role Code Yes Yes Yes Party Role Code

Property and Casualty Data Model, v1.0 131

 Log Entity Name Attribute Name Required Is PK Is FK Domain Name
Seq
534 Subrogation Claim Amount Yes Yes Yes Claim Amount Identifier
Identifier
535 Supplier Party Role Code Yes Yes Yes Party Role Code
536 Surcharge Policy Amount Yes Yes Yes Policy Amount Identifier
Identifier
537 Tax Policy Amount Yes Yes Yes Policy Amount Identifier
Identifier
538 Team Grouping Identifier Yes Yes Yes Grouping Identifier
539 Team Leader Party Role Code Yes Yes Yes Party Role Code
540 Team Member Party Role Code Yes Yes Yes Party Role Code
541 Territory Organization Identifier Yes Yes Yes Organization Identifier
542 Territory Territory Identifier Yes Yes No Party Identifier
543 Third Party Party Role Code Yes Yes Yes Party Role Code
Administrator
544 Third Party Staffing Agreement Identifier Yes Yes Yes Agreement Identifier
Agreement
545 Tractor Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
546 Trailer Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
547 Transportation Class Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
548 Truck Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
549 Underwriting Assessment Result Yes Yes Yes Assessment Result
Assessment Identifier Identifier
550 Van Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
551 Vehicle Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
552 Vehicle Vehicle Driving Wheel No No No Quantity
Quantity
553 Vehicle Vehicle Identification No No No Medium_Variable_Value
Number
554 Vehicle Vehicle Make Name No No No Short Name
555 Vehicle Vehicle Model Name No No No Short Name
556 Vehicle Vehicle Model Year No No No Year
557 Victim Party Role Code Yes Yes Yes Party Role Code
558 Watercraft Insurable Object Yes Yes Yes Insurable Object Identifier
Identifier
559 Workers Comp Insurable Object Yes Yes Yes Insurable Object Identifier
Class Identifier

132 Property and Casualty Data Model, v1.0

8.8 Business Terms Reference Glossary
A Glossary is an alphabetical list of terms and acronyms in a particular area of knowledge with the definitions for those terms.
In this deliverable, the knowledge areas would be Insurance or Data Modeling.

The Glossary provides definition of insurance and data model terms that are relevant to the Data Model. It is
not the intent of the Glossary to teach insurance or data modeling; rather it is to support consistent meaning of
terms and to improve the understanding of the data model.
A Data Model is a graphical representation of the things and concepts of importance to the business, and how these are related.
It also includes the facts that are needed to run the business and to build the databases and systems in support of the business.

Definitions of the data model objects, such as entities, attributes, and domains are in the data model and
published with the model. These definitions explain the model constructs and their role in the model, and
do not necessarily have the same definition as the Glossary (when the terms exist in both). Not every model
object is relevant to the Glossary, for example, the “domains” such as “Amount” and “Number” are useful
for the Data Model but not the Glossary.
Following is an example of a Glossary entry and its related Data Model entries that demonstrates the above guidelines.

In the Glossary, Deductible is defined as “Deductible in the amount of money (or could be expressed as
number of days, a percentage, etc.) representing the past of a loss amount that the insured is required to pay
before any indemnification payment is provided by the insurance company. Once the deductible is met,
the insurance amount to be paid is the excess over the amount of the deductible.”

In the Data Model: the Deductible is supported in the Policy Deductible Entity defined as “Policy Deductible
defines the Deductibles (attachment point for coverage) associated with the policy coverage. Deductibles are
the loss amounts paid by the insured before insurance payments apply.”
• Deductible Type Code represents the kind of deductible, such as per occurrence, per person, etc.
• Deductible Basis Code identifies whether the related Deductible Value is an amount or a percentage or
number of days, etc. that will be used to determine what an insured is expected to pay before
reimbursement from the insurance company begins.
• Deductible Value is the actual monetary amount, percentage, or time period. Examples: $500, 10%, 90
days.

The glossary explains what a deductible is, whereas the data model provides for recording data about the
Deductible, so the existence of the deductible is known in the model if there is a Deductible Type Code
Deductible Basis code, and Deductible Value.

Below are the guidelines used to comprise and manage the Glossary and Data Model definitions:

• Terms are singular, Title Case.

• Data Model Entities usually have a companion Glossary entry.

• The Glossary definition of an object may be more extensive and explanatory of the business meaning, while the Data
Model definition states the model context of the object.

• Some Data Model Attributes may have a companion Glossary entry when the attribute represents an important business
fact and concept. As with entities, the definition in the data model may differ somewhat from the Glossary entry.

• Glossary entries that have no direct relationship to the Data Model provide may be related to the model through the
designated “Context” or by direct reference to the Data Model constructs.

Property and Casualty Data Model, v1.0 133

 • Glossary entries have a “Context” designation that associates the term definition and usage to a Data Model or Business
subject.

The Context designations used are:

Standard Context Values Description

General Insurance Term Terms that are generally used in the Insurance industry.
Account Data Model Subject Area
Agreement Data Model Subject Area
Assessment Data Model Subject Area
Claim Data Model Subject Area
Terms and Entities describing communication methods that
Communication
are not in a separate Subject Area
Coverage Data Model Subject Area
Event Data Model Subject Area
Insurable Object Data Model Subject Area
Terms and Entities describing geographic areas that are not
Location
in a separate Subject Area
Money Data Model Subject Area
Party Data Model Subject Area
Party Role Data Model Subject Area
Policy Data Model Subject Area
Product Coverage Data Model Subject Area
Data Model Terms used to describe and define the Data Model

• Glossary entries also have a “Source” designation that identifies where the definition came from. The possible sources
are:

Definition Source Values Description

ACORD Initial ACORD definitions donated to the Work Group
Barron’s Business Terms Book - Barron’s Business Guides
Barron’s Insurance Terms Book - Barron’s Business Guides
dictionary.com Online general dictionary reference
Dictionary of Insurance Book - Complete Dictionary of Insurance Terms (Samaroo)
Initial IBM Insurance Application Architecture (IAA)
IBM IAA
definitions donated to the Work Group
Online Dictionary of International Risk Management
IRMI.com
Institute (IRMI)
Online Glossary by Life Office Management Association
LOMA Glossary
(LOMA)
Webster’s Book - general dictionary reference

134 Property and Casualty Data Model, v1.0

 Wikipedia Online Dictionary - Wikipedia
Insurance Work Group P&C Data Model Work Group
Charlie Schaefer P&C Data Model Work Group Industry Expert

Business Term Definition Context Definition Source

Accident Accident is an event involving an object of insurance Claim Insurance Work Group
that results in a potential insurance loss or claim. In the
data model, an Accident is a kind of Occurrence.
Account Account is a business arrangement that defines a Account Charlie Schaefer
relationship between two or more parties as to how they
intend to engage in regular dealings or provide services.
Examples: Multiple policies and Contracts.
Account Agreement Account Agreement is a relationship between account Agreement IBM IAA
and agreement. It can be used to relate multiple
agreements to a single account such as for billing.
Account Holder Account Holder is a person or business in possession of Party Role Insurance Work Group
one or more agreements that form an account
relationship with another person or organization. This is
represented in the data model in the account party role
entity.
Account Provider Account Provider is a role played by a financial services Party Role Barron’s Insurance
provider who, in the context of an account agreement, Terms
provides an account and the related account facilities to
the account holder.
Accountability Accountability is a Role played by a Party who is Party Role Insurance Work Group
responsible for an Account or Project or Assessment or
any other object or activity.
Actuary Actuary is a Role of a person who conducts statistical General Insurance Barron’s Insurance
studies and determine the rates, reserves, and Term Terms
dividends for insurance policies. Actuaries are
specialized mathematicians certified by the insurance
industry.
Additional Interest Additional Interest is a Role played by a Party who has Party Role Insurance Work Group
financial or risk interest in an Agreement. Also another
person, firm, or entity enjoying the same protection as
the named insured. Examples include but are not
limited to: Mortgagee, Certificate Holder, Lien Holder.
Address Address is text that defines a single line of a physical Communication Insurance Work Group
and/or mailing location or an electronic link or address.
Based on an associated type code, the format and
content can be validated.

Property and Casualty Data Model, v1.0 135

 Business Term Definition Context Definition Source

Adjuster Adjuster is a Role played by a Party who handles a Party Role Barron’s Insurance
claim brought against an insurance company or Terms
syndicate. The adjuster evaluates the merits of each
claim and makes recommendations. An adjuster’s
actions include: collating details, validating cover,
resolving disputes and agreeing where appropriate to
settle claims at a fair price. The adjustor is subject to
authority limits defined by company policy, contract,
experience or line of business.
Administrative Organization Administrative Organization Unit is responsible for the Party Insurance Work Group
Unit terms and conditions of the contract.
Agency Agency is a type of organization whose goal is to sell Party Insurance Work Group
and service insurance. The Agency is appointed by the
insurance company and is licensed by a government
jurisdiction to sell insurance.
Agency Contract Agency Contract is a type of agreement that stipulates Agreement Insurance Work Group
the business arrangement between an insurer and an
insurance agency it appoints to represent it. Examples:
Business arrangement details such as ownership of
renewals, commission percentages, and duties and
responsibilities of each party are usually spelled out in
this agreement.
Agent Agent is a role played by a Party who solicits, Party Role Insurance Work Group
negotiates, sells effects and services contracts of
insurance in behalf of an insurance company who
appoints it. The party assumes either of two
classifications: 1. Independent agent represents at least
two insurance companies. 2. Captive Agent represents
only one company and sells only its policies.
Description: The agent’s right to exercise various
functions, authority, and obligations, as well as the
obligations of the insurer to the agent, are subject to the
terms of the agency contract with the insurer, to
statutory law, and to common law.
Aggregate Limit Amount Aggregate Limit Amount is a limit of coverage that Product Coverage Insurance Work Group
specifies the maximum amount (or other limit
expression such as number of days) to be paid
regardless of any other factor.
Agreement Agreement is a mutual assent between two or more Agreement Insurance Work Group
legally competent parties, whereby each party promises
to do, or not to do, something; a transaction involving
two or more legally competent parties, whereby each
has reciprocal rights to deand performance of what is
promised. Examples: Agreements include but are not
limited to: a policy, an agency contract, an Auto repair
shop contract, a brokerage contract and an employment
agreement.
Agreement Original Inception Agreement Original Inception Date is the date that an Agreement Insurance Work Group
Date agreement first became effective and is never changed.
Animal Animal is an Insurable Object that can be farm livestock, Insurable Object IBM IAA
a zoo animal, a pet, or any other animal that could be
insured.

136 Property and Casualty Data Model, v1.0

 Business Term Definition Context Definition Source

Application Form Application Form is a document containing pre- Policy Insurance Work Group
formatted questions about a prospective customer of
insurance services used to determine the eligibility and
acceptability of a risk for the insurance coverage
requested.
Appraisal Appraisal is the act of estimating the cost to repair, Assessment Insurance Work Group
replace, or otherwise make available for its intended
use an insured item that has suffered damage or loss.
Approval Approval is an authorization given by a role player for Assessment Insurance Work Group
the execution of a business activity. This was formerly
called Authorization.
Arbitration Arbitration is the process of settling a dispute by an Claim Insurance Work Group
appointed third party outside court. In disputes arising
out of a contract containing an arbitration clause, the
parties involved may either go to court or appoint
someone (an arbitrator) to settle the dispute. The
agreement to go to arbitration does not preclude either
of the parties taking legal proceedings if it desires.
Assesment Assessment is a formal evaluation of a particular Assessment Insurance Work Group
person, organization, or thing that enables business
decisions to be made. Examples: Credit Score,
Underwriting Evaluation, Medical Condition.
Assessment Result Assessment Result is the outcome of the assessment. Assessment Insurance Work Group
There may be multiple results for one assessment.
Assignee Assignee is a Role played by a Party to whom rights to Party Role Insurance Work Group
an insurance benefit are assigned.
Assumed Assumed is a state for a risk in which a party other than Money Barron’s Insurance
the original party to the risk assessment and Terms
acceptance becomes accountable for the risk.
Attorney Attorney is a Role played by a Person who is appointed Party Role Insurance Work Group
to transact legal business on another’s behalf.
Examples: An Attorney-At-Law is a person admitted to
practice law in a jurisdiction, authorized to perform both
civil and criminal legal functions for clients. These
functions include drafting of legal documents, giving
legal advice, and representing clients before courts,
administrative agencies, boards, etc. OR An Attorney-
in-Fact is one who is authorized to act for another under
a power of attorney, which may be general or limited in
scope. A person need not be an Attorney-At-Law to be
an Attorney-in-Fact.
Audit Audit (herein Premium Audit) is a transaction that Event Insurance Work Group
occurs generally after the policy term has expired, to
see if the exposures were accurate or if any post term
changes need to be made and more premium billed or
a credit given. Example: A premium audit may be
conducted of a company insured under a workers
compensation policy to assure appropriate premium
has been charged based on risk location and insured
workers job.
Auditor Auditor is a Role played by a Party who performs either Party Role Insurance Work Group
operational or financial reviews (audits).

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Authorization Authorization is an approval given by a role player for Assessment Insurance Work Group
payments to be executed or services (activity
occurrences) to be received. In the Data Model, this
term was changed to Approval because Authorization is
a reserved word in the technical environment.
Auto Repair Shop Contract Auto Repair Shop A kind of Agreement where a Repair Agreement Insurance Work Group
Facility may be selected by the insurer to perform
appraisals only or perform appraisals and repairs. If
selected to be “in contract” the agreement implies the
insurer will “make known” or identify in marketing
material this shop to insurer’s policyholders in exchange
for the repair shop’s freedom to appraise without
inspection or validation (inside guidelines) the
correction necessary to repair vehicle to pre-accident
conditions. Claim costs are reduced due to the
reduction/elimination of re-inspection costs usually
incurred; being removed from the appraisal process.
Automobile Insurable Object that is a self-propelled passenger Insurable Object Barron’s Insurance
vehicle designed for operation on ordinary roads and Terms
typically having four wheels.
Beneficiary Beneficiary is an individual or organization that receives Party Role Insurance Work Group
or has the legal right to receive the benefit payments of
an insurance policy.
Benefit Benefit is the contractually granted financial outcome Policy Insurance Work Group
provided by an insurance policy.
Binder Binder is a kind of Agreement that provides temporary Agreement Barron’s Insurance
insurance under a contract which provides coverage Terms
between risk acceptance and until a permanent policy is
issued. In Property and Casualty insurance, some
agents have authority to bind the insurance company to
coverage until a policy can be issued. For example, the
purchaser of an automobile can call the agent, who can
then bind the insurance company to temporary
coverage.
Binding Binding is the act of providing insurance coverage Event Insurance Work Group
between the time an Insurance company accepts the
risk and is ready to issue the permanent policy.
Boat Boat is an Insurable Object that is a vessel that carries Insurable Object Insurance Work Group
passengers or freight over water.
Body Object Body Object is an Insurable Object such as a human Insurable Object Insurance Work Group
body part, a life form such as a lab organism, or an
animal.
Branch Office Branch Office is an Organization Unit that is a local Party ACORD
business location of an insurance company that
markets and/or services its products and lines of
insurance within and to a specified geographic location.
Broker Broker is a Role played by a Party who searches the Party Role Insurance Work Group
insurance marketplace for potential providers of
appropriate and adequate insurance coverage in the
interest of the potential insured, not in the interest of the
insurance companies.

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Brokerage Contract Brokerage Contract is a kind of agreement between two Agreement Insurance Work Group
firms, detailing and describing the basis and terms of
their business relationship wherein one (the broker)
acts on behalf of the other (the contract holder) in
identifying, evaluating and recommending insurance
alternatives from a variety of insurers.
Bus Bus is an Insurable Object that is a public or private Insurable Object Barron’s Insurance
conveyance vehicle used to transport people, e.g., Terms
School Bus.
Business Activity Business Activity identifies the type of actions, Event IBM IAA
behaviors, processes, performances, or outcomes a
business organization or the professionals in it are
involved in.
Business Event Business Event is a significant incident in the existence Event Insurance Work Group
of an organization that is of interest to an insurer
organization (such as relocation, merger, acquisition,
expansion, occupation of a new premises) and may be
a trigger for insurance marketing activities because of
the potential resulting change(s) to the underlying
organization’s risk.
Buyer Buyer is a person or organization that is responsible for Party Role IBM IAA
acquiring goods or services that are provided for in a
provider agreement.
Cancel Cancel is the act of annulling a Policy by the insured or Event Insurance Work Group
by the Insurance Company. The policy is no longer in-
force as of the date of cancellation or an agreed upon
date.
Captive Agent Captive Agent is a licensed and appointed member of Party Role Barron’s Insurance
an insurance agency who is an employee of an Terms
insurance organization or who can generate new
policies only for a single insurance organization.
Catastrophe Catastrophe is a destructive event of significant Claim Insurance Work Group
importance. Due to both the scope and the scale of
losses under the event, it is classified separately from
other loss events. These events may also be formally
classified by a political entity within whose jurisdiction
the event took place.
Catastrophic Event Indicator Catastrophic Event Indicator indicates that an Claim Insurance Work Group
occurrence is the result of a severe loss characterized
by extreme force and/or sizable financial loss.
Caused Event Caused Event is an Event that is a loss event which did Event Insurance Work Group
not occur spontaneously and can be attributed to a
particular action, inaction, circumstance, or set of
circumstances from which the event occurred.
Ceded Ceded is the state of having transferred a risk or part of Money Insurance Work Group
a risk to another insurer. Example: ceded premium is
revenue paid to another insurance company in
exchange for transferring the risk of the (direct-written)
policy to that other insurance company.

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Channel Role Channel Role is a role played by a Party that represents Party Role Insurance Work Group
the marketing, selling or servicing of financial services
agreements. The role player can be a person (an agent
or a broker), an organization (an agency) or a virtual
party (a web site or a kiosk). Every Channel Role can
play multiple selling channel and servicing channel
roles, one for each financial services agreement.
Channel Score Channel Score is a kind of Assessment Result that Assessment Insurance Work Group
indicates the relative success of the channel in
marketing and servicing products, and services on
behalf of the insurer.
Claim Claim is a request by an insured for indemnification Claim Insurance Work Group
from an insurance company for loss incurred from an
insured peril or hazard. Example: A homeowner files a
claim if he or she suffered damage because of a fire,
theft, or other loss.
Claim Administrator Claim Administrator is a Role played by a Party who is Party Role IBM IAA
designated by the insurance company, to manage the
handling of a claim from the first notice to the resolution
of the claim.
Claim Amount Claim Amount is the financial amount reserved or paid Money Insurance Work Group
in connection with a claim.
Claim Close Date Claim Close Date is the date that a claim is considered Claim Insurance Work Group
resolved.
Claim Event Claim Event is a subtype of Event that identifies and Event Insurance Work Group
describes the accident or occurrence that triggered the
claim.
Claim Examiner Claim Examiner is a Role played by a Party who is Party Role IBM IAA
assigned to the claim to determine its legitimacy and
provide feedback to the insurance company.
Claim Expense Claim Expense is a cost incurred in adjusting a claim. Money Insurance Work Group
Claim expenses include such items as attorneys’ fees
and investigation expenses (e.g., witness interviews).
Claim Expert Claim Expert is a Role played by a Party who provides Party Role Insurance Work Group
advice on matters associated with the claim.
Claim Feature Claim Feature is a subgrouping of the claim that Claim Charlie Schaefer
represents the individual claimants (each being a
feature) on one claim and/ow individual losses that are
covered under the policy (i.e., a property loss as one
feature of the claim and a liability loss as another feature
on the same claim. This is also called a “Sub-Claim,”
which is used in the model.
Claim Folder Claim Folder is the physical file all claim documents are Claim Insurance Work Group
maintained in.
Claim Folder Supporting Claim Folder Supporting Document is written Claim Insurance Work Group
Document information such as agreements, financial statements,
offers, proposals, etc. to provide backup and depth to
agreed-upon or discussed claim matters.

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Claim Fraud Assessment Claim Fraud Assessment is a kind of Assessment Assessment Barron’s Insurance
Result based upon the evaluation of an action by which Terms
a person intentionally uses false information in an unfair
or unlawful attempt to collect benefits or payments
under an insurance policy.
Claim Fraud Examiner Claim Fraud Examiner is a Role played by a Party Party Role Insurance Work Group
whose goal is to determine whether claim fraud has
occurred or is occurring, and to determine who is
responsible for the claim fraud.
Claim Legal Expert Claim Legal Expert is a Role played by a Party who Party Role Barron’s Insurance
provides legal advice on matters relating to the claim. Terms
Claim Offer Claim Offer is a proposal made by an insurer to a Claim Insurance Work Group
claimant or third party in order to settle a claim.
Sometimes, alternative offers are made so that the
claimant has different options to settle the claim. Each
of these options is represented by a different claim offer.
A claim offer could also be the set of benefits requested
by the claimant in the context of this claim.
Claim Office Claim Office is the local business office of an insurance Party Insurance Work Group
company that processes claims. Normally the
jurisdiction of a claims office is defined by a territory.
Claim Open Date Claim Open Date is the date that a claim or subclaim file Claim Insurance Work Group
is set up and a potential claim is acknowledged.
Claim Payment Claim Payment is the amount paid for loss or expense Claim Charlie Schaefer
to settle a claim in whole or in part for which the details
are broken down by claim feature or subtype (such as
by claimant and type of claim (property, liability, etc.).
Claim Reopen Date Claim Reopen Date is the date a previously closed Claim Insurance Work Group
claim is reopened for further examination and additional
handling.
Claim Reported Date Claim Reported Date is the date a claim is filed and Claim Insurance Work Group
recorded by the Insurance carrier responsible for
handling the claim.
Claim Representative Claim Representative is a Role of a person who acts on Party Role Barron’s Insurance
behalf of the insurance company to mediate relations Terms
and initially settle disputes with its members or other
Third Parties.
Claim Reserve Claim Reserve is the amount of expected loss or Money Charlie Schaefer
expected expense over the life of the Claim and is
broken down by claim feature or subtype (such as by
claimant and type of claim (property, liability, etc.).
Claim Witness Claim Witness is a Role of an individual or group or Party Role Insurance Work Group
organization having first hand knowledge of the
circumstances, events or surrounding the occurrence of
an event that resulted in a request for indemnification
from an insurance company.
Claimant Claimant is a Role of a Person or Organization who Party Role IBM IAA
asserts a loss and the right to demand payment of
compensation or benefits or indemnification of loss.
Claims Made Date Claims Made Date is the date on which claims were Claim Insurance Work Group
made during the extended reporting period of claims-
made contracts.

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Client Client in insurance is usually a third party who Party Insurance Work Group
contractually agrees to pay for insurance coverage on
others not related to them (such as an employer
providing coverage for employees) or agrees to allow
others contractually related to them to purchase
coverage. A Customer is normally an individual; a Client
is normally an organization.
Code Code is a value used to represent a condition of a data General Insurance Insurance Work Group
element. Term
Combination Structure Combination Structure is an Insurable Object that is Insurable Object Barron’s Insurance
used both for human habitation and for use by retail, Terms
wholesale, office, hotel or service users, or for
manufacturing or other industrial purposes. An example
of a Combination Structure is apartments over a store.
Combine Combine is a piece of farm machinery used to harvest Insurable Object Insurance Work Group
crops, e.g., wheat.
Commercial Agreement Commercial Agreement is a Contract, such as an Agreement Insurance Work Group
insurance policy, between one organization and
another organization dealing with the commercial
business activity of one of the organizations.
Commercial Structure Commercial Structure is an Insurable Object that is a Insurable Object Insurance Work Group
property intended for use by retail, wholesale, office,
hotel or service users, or for manufacturing or other
industrial purposes. Examples include but are not
limited to: shopping centers, office buildings, hotels and
motels, and resorts or restaurants.
Communication Communication is an interaction between two or more Communication Insurance Work Group
people that is enabled by physical presence, telephone,
electronic mail, written letters, social media, etc.
Communication Profile Communication Profile is contact information that Communication Barron’s Business
shows the characteristics, needs, and preferences of an Terms
individual. This may include visual preferences, hearing
preferences, cognitive preferences and mobility
preferences. This is represented in the data model as
Party Communication and Party Preference.
Commutation Agreement Commutation Agreement is a kind of Agreement Agreement IRMI.com
between a ceding insurer and the reinsurer that
provides for the valuation, payment, and complete
discharge of all obligations between the parties under a
particular reinsurance contract. it is used if an insurer is
withdrawing from underwriting a class of business.
Company Company is a formal, legally registered entity, created Party Insurance Work Group
for the purpose of conducting business.
Company Jurisdiction Company Jurisdiction is a legal entity or recognized Product Coverage Barron’s Business
political subdivision that defines where an insurance Terms
company can operate and which products can be sold
and serviced by the company.
Construction Vehicle Construction Vehicle is a motorized vehicle used in the Insurable Object Insurance Work Group
course of building and moving anything.
Contract Contract is a formal written agreement outlining the Agreement Insurance Work Group
terms and conditions agreed upon between two parties.

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Contractor Contractor is a Role played by a Person who legally Party Role Insurance Work Group
agrees or engages in a legal agreement to do work for
another. An Independent Contractor makes an
agreement to do a specific piece of work, retaining
control of the means and method of doing the job.
Examples of independent contractors are physicians,
lawyers, construction contractors, and others engaged
in a profession in which they offer their services to the
public.
Court Jurisdiction Court Jurisdiction is an associative entity that resolves General Insurance Insurance Work Group
the many-to-many relationship between the Court and Term
the Jurisdiction entities: A Court may administer justice
within many Jurisdictions and a Jurisdiction may be
granted to many Courts. The legal or physical area over
which a court is permitted to administer justice.
Coverage Coverage is the definition of the risks being provided Product Coverage Wikipedia
indemnification, and the level of indemnification being
provided under an insurance policy. In property
insurance, coverage lists perils insured against,
properties covered, locations covered, individuals
insured, and the limits of indemnification. In life
insurance, coverage provides living and death benefits.
Coverage Available Coverage Available is the coverage that can be Product Coverage Insurance Work Group
selected from a pick list for the Product in order to
determine the final coverage listed in the policy and the
final premiums to be charged.
Coverage Description Coverage Description is a term or set of terms that Product Coverage Insurance Work Group
define the coverage provided or in consideration of
being provided under an insurance policy or policies.
Coverage Group Coverage Group is the aggregation of coverage under Product Coverage Insurance Work Group
a broader business classification to group them for
reporting purposes, e.g., a group of liability coverage, a
group of property coverage.
Coverage Level Coverage level is one of the possible limits of Product Coverage Insurance Work Group
indemnification provided under a coverage.
Coverage Limit Coverage Limit is the maximum amount of insurance Product Coverage Insurance Work Group
provided for each coverage or indemnitication type
found in an insurance policy.
Coverage Limit Type Coverage Limit Type is the category of indemnification Product Coverage Insurance Work Group
limit that is applied under a coverage.
Coverage Option Coverage Option is a choice from among multiple Product Coverage Insurance Work Group
additions that can be made to an existing policy or a
new policy being written.
Coverage Part Coverage Part is a section of an insurance Policy that Product Coverage Insurance Work Group
organizes coverages at a high level, usually property
versus liability.
Coverage Type Coverage Type defines the categories for different Product Coverage Insurance Work Group
types of coverages, e.g., is the coverage for liability, for
physical damage, for no fault.
Credit Adjustment Credit Adjustment is a type of monetary adjustment that Money Insurance Work Group
is applied to the base or manual premium calculated
that will reduce the premium based on some evaluation
rule or practice of the insurer.

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Credit Rating Credit Rating is the acceptability of the party for credit Assessment Charlie Schaefer
transactions (including good, fair and cash only). The
rating is normally applied by credit rating agencies or
credit granting financial institutions. This is one
characteristic that can be used to assess the
underwriting, financial and operational risk represented
by an entity requesting indemnification.
Customer Customer is a role played by a party to whom an insurer Party Role Barron’s Insurance
is currently supplying (or has supplied in the past) Terms
services, goods, or benefits in exchange for
consideration in the form of premium payments.
Someone who pays for coverage on themselves, or an
object or person of importance to them.
Customer Score Customer Score is a kind of Assessment Result that Assessment Insurance Work Group
assigns points to each customer based on specific
criteria in order to be able to rank order customers
against the dependent variable measured by that
criteria. Examples of dependent variables are expected
loss ratio, expected loss severity, propensity for a
catastrophic event, etc.
Deductible Deductible is the amount of money (or could be Product Coverage IBM IAA
expressed as number of days, a percentage, etc.)
representing the part of a loss amount that the insured
is required to pay before any indemnification payment is
provided by the insurance company. Once the
deductible is met, the insurance amount to be paid is the
excess over the amount of the deductible.
Deductible Rate Deductible Rate is a rating factor used to calculate the Product Coverage Insurance Work Group
premium charge for the deductible based on the
Coverage Level and Deductible selected.
Deductible Recovery Deductible Recovery is a kind of Recovery that retrieves Money Insurance Work Group
from the individual responsible for the deductible
payment the amount of deductible associated with a
loss payment under a claim.
Demographic Demographic is a set of characteristics defining a General Insurance Insurance Work Group
population or a segment of the population. The Term
characteristics may define the risk of the population, or
may define the propensity of the population to make a
particular decision (apply for insurance, cancel
insurance, file a claim, renew a policy, etc.).
Demographic Score Demographic Score is an Assessment Result that is Assessment Insurance Work Group
used to rank orders risks or individuals based on a table
of points assigned to pre-identified demographic
characteristics of the risk or individual.
Department Department is an Organization Unit that groups Party Insurance Work Group
individuals with common or related jobs to accomplish
certain common or related functions. An example is the
Payroll Department.
Derivative Contract Derivative Contract is a kind of Agreement where the Agreement Insurance Work Group
value of the contract is based on derived variables or
characteristics, such as an index of commodity prices.

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Direct Written Premium Direct Written Premium is money applied to a policy Money Insurance Work Group
based on the assumption that indemnification is being
provided for the entire term of the policy. See also
“Earned Premium.”
Doing Business As Name Doing Business As Name is the name of a person’s Party Insurance Work Group
business that may be included in an insurance contract
or policy.
Driver Driver is a Role played by a Person who operates a Party Role Barron’s Business
vehicle. Terms
Dun And Bradstreet Dun And Bradstreet is a publically traded company that Party Wikipedia
licenses information on businesses and corporations for
use in credit decisions, business-to-business marketing
and supply chain management.
Dun And Bradstreet Number Dun And Bradstreet Number is a numeric code that is a Party Insurance Work Group
unique identifier for an organization with a data file in
Dun and Bradstreet’s commercial credit data base. The
Dun and Bradstreet code is also known as a DUNS
Number.
Dwelling Dwelling is an Insured Object that is a structure or part Insurable Object Barron’s Business
of a structure used as a place of residence by human Terms
beings.
Earned Premium Earned Premium is an accounting calculation for Money Insurance Work Group
recognizing premium revenue over time from the
effective date to the termination date of an insurance
policy. This is most useful for allocating expenses and
losses to the policy to determine the profitability of a
policy and/or a line of business at a given point in time.
Effective Date Effective Date is the calendar date on which an Policy Insurance Work Group
insurance company begins providing coverage to an
insured under an insurance policy or contract that has
been written and is in effect. The coverage normally
begins at 12:01 am on this date.
Email Address Email Address is a contact point that is used to Communication Insurance Work Group
communicate electronically with another individual or
organization. The address is normally an alpha-numeric
string, usually of the form [email protected].
Employee Employee is a Role played by a Person working for or Party Role Insurance Work Group
providing stipulated services contractually and
exclusively for another Party in return for compensation,
whether direct or indirect.
Employee Classification Employee Classification is a pre-defined system for Party Insurance Work Group
grouping employees of like job responsibility and like
working roles and responsibilities. Employee
classification is especially important for determination of
Workers Compensation pricing required to cover the
indemnification risk implied by the employees of an
insured employer.

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Employer Employer is a Role played by a Party who hires and Party Role IBM IAA
pays wages, thereby providing a livelihood to
individuals who perform work. The employment
relationship confers authority on the employer, who has
the right to control and direct the work to be performed.
An employer also has the right to engage or discharge
an employee and furnish the working location and
supplies. An employer is responsible for the collection
and remission of federal income and Social Security
taxes from employees’ compensation.
Employment Agreement Employment Agreement is a written Agreement Agreement IBM IAA
between employer and employee, stating the terms of
employment in an organization.
Employment Position Employment Position is a job classification for an Party Insurance Work Group
employed person.
Endorsement Endorsement is a change in some provision of a policy Event IBM IAA
and frequently involves changes in coverage for which
premium may be increased or reduced.
Entry Into Claims Made Entry Claims Made Program Date is the date that the Claim Insurance Work Group
Program Date insured registered with the claims made program.
Event Event is anything that happens, or is contemplated as Event Insurance Work Group
happening. From an insurance perspective, an event is
a situation that may impact the risk or indemnification
covered by a policy.
Event Date Event Date is the date on which a transaction or Event Insurance Work Group
insurance-related happening takes place.
Event Template Event Template is a form, document, or descriptor, Event Insurance Work Group
which captures defined and selected event parameters
as variables. An event template captures and defines
single events by replacing the variables with values.
Examples: Send of any message.
Exposure Exposure is the extent of the maximum impact of Policy Insurance Work Group
potential loss on the indemnification provided under a
policy, as measured by an exposure base, such as
payroll, receipts, area, or units produced.
Exposure Base Exposure Base is the number, extent, or size of the Policy Insurance Work Group
underlying items from which an insurance company
determines the maximum amount of risk being
accepted if a policy is written.
Facultative Facultative is a type of reinsurance agreement whereby General Insurance Insurance Work Group
the reinsurance is purchased separately on a policy by Term
policy basis. The reinsurance is not effective until the
policy has been issued.
Farm Equipment Farm Equipment is an Insurable Object that is Insurable Object Insurance Work Group
commonly used on a Farm, for example a tractor,
cultivator, plow, combine, grain elevator, milking
machine, etc. Motorized Vehicles that are Farm
Equipment are unlicensed for public road use.
Fee Fee is a charge by the insurance company on an Money Charlie Schaefer
insurance policy either as a service fee and/or from a
government entity as a tax on the premium charged.

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Financial Account Financial Account is a fund used to track and report on Account Insurance Work Group
monetary transactions between its owner or holder and
individuals or organizations making monetary demands
on the owner or holder.
Financial Adviser Financial Adviser is a Role played by a Person as a Party Role Insurance Work Group
professional adviser offering financial counsel. Some
financial advisers charge a fee and earn commissions
on the products they recommend to implement their
advice. Other advisers only charge fees and do not sell
any products or accept commissions. Some financial
advisers are generalists, while others specialize in
specific areas, such as investing, insurance, estate
planning, or taxes.
Financial Analyst Financial Analyst is a Role played by a Party who works Party Role Insurance Work Group
for a financial institution and is responsible for research
and analysis of specific financial instruments, portfolios,
and strategies.
Financial Assessment Financial Assessment is the evaluation of a financial Assessment Insurance Work Group
condition of a person or a company based on certain
factors e.g., the credit score of a person, the financial
ratios of a company, and the impact of that assessment
on the risks being indemnified or covered under an
insurance policy.
Financial Institution Financial Institution is a firm that provides financial Party Role Insurance Work Group
products and services to consumers and organizations.
Insurance is one form of financial institution along with
banking, credit unions, investment management firms,
etc. They are usually a kind of Organization whose mail
goal is to make a profit and provide financial benefit for
owners, shareholders, and other fiscal entities.
Financial Interest Financial Interest is the potential monetary outcome General Insurance Insurance Work Group
that could accrue to an individual or organization based Term
on an event or occurrence.
Financial Interest Role Financial Interest Role identifies the monetary or Party Role Insurance Work Group
monetarily valued interest a party has in a financial
instrument such as an insurance Agreement. Examples
are insured, beneficiary, etc.
Financial Services Assessment Financial Services Assessment is a kind of Assessment Assessment Insurance Work Group
Result that focuses on the finances of an individual or
organization based on pre-defined characteristics that
identify the financial or monetary risks represented by
the firm.
Financial Services Company Financial Services Company is an insurance company Party Role Insurance Work Group
legally granted the ability to solicit, evaluate, and write
insurance business in a jurisdiction.
Financial Services Provider Financial Services Provider is an entity providing Party Role Insurance Work Group
products and services that impact the monetary
holdings of idividuals and organizations.
Financial Services Role Financial Services Role is a Party Agreement Role such Party Role Insurance Work Group
as Insurer, Policyholder, Assignee, etc.
Financial Valuation Financial Valuation is an assessment result expressed Assessment Insurance Work Group
in financial units.

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Flat Flat is a type of Cancellation whereby the policy is Event Insurance Work Group
deemed to have never existed, no risk indemnification
has been provided, and a full return of premium is
granted.
Form Form is a document that provides a template for the Policy Insurance Work Group
recording of variable information or which describes the
standard details of a contract, such as insurance forms
attached to a policy.
Fraud Examiner Fraud Examiner is a Role played by a Party whose goal Party Role Insurance Work Group
is to determine whether fraud has occurred or is
occurring, the extent and impact of the fraud, and to
determine who is responsible for the fraud.
Freight Group Freight Group is a kind of Insurable Object Group that Insurable Object Insurance Work Group
addresses responsibility for in transit goods.
Full Term Full Term is a type of endorsement where the changes Event Insurance Work Group
made are effective on the policy effective date and
apply for the full term of the policy.
Geographic Location Geographic Location is a bounded area defined by Location Insurance Work Group
nature, by an external authority (such as a government)
or for an internal business purpose. Used to identify a
location in space that may or may not be a structured
address. Examples: country, city, continent, postal
area, risk area, postal address, property address.
Goods Goods are physical items to be received during a General Insurance Insurance Work Group
purchase activity. In insurance, goods may refer to Term
Insurable Objects or to insurance contracts,
agreements, endorsements, or policy amendments.
Government Organization Government Organization is a kind of Organization with Party Role Insurance Work Group
control of any asset, industry, or enterprise at any level,
national, regional, or local (municipal).
Group Group is a type of Party that has an informal structure of Party Insurance Work Group
Persons and/or Organizations and is not incorporated,
such as a household, a project team, or special interest
group.
Group Agreement Group Agreement is a kind of contractual insurance Agreement IRMI.com
Agreement provided to the employer and detailing
coverage provided to the group.
Hazard Hazard is a circumstance that increases the likelihood Product Coverage Barron’s Insurance
or probable severity of a loss. Terms
Head Count Head Count is a numeric representation of the number Party Insurance Work Group
of employees and other individuals who are employed
by or formally work for an organization.
Health Care Provider Health Care Provider is a Role played by a Party, Party Role Insurance Work Group
generally a doctor, physician assistant, nurse, nurse
practioner, etc. who provides medical services for their
patients.
Household Household is a set of individuals (a Party Group in the Party Insurance Work Group
Data Model) usually resident at the same address, and
members of the same nuclear or extended family, who
share a common economic interest and who are to be
treated for certain purposes (for example, marketing
campaigns) as a unit.

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Household Content Household Content is a categorization and description Insurable Object Insurance Work Group
of all Insurable Objects (personal property) within a
residence, which details all items covered and
indemnified in the event an insurance claim must be
filed.
Inception Date Inception Date is the original effective date of a contract Agreement Insurance Work Group
that can be renewed and continue from one time period
to another.
Incident Incident is an Event defined within a policy that may or Event Insurance Work Group
may not result in Loss.
Indemnify Indemnify is the act of returning someone who has General Insurance Dictionary of Insurance
sustained a loss to the position they were in before the Term
loss occurred.
Indemnity Indemnity is compensation for loss. In Property and General Insurance Barron’s Insurance
Casualty Insurance, the objective is to restore the Term Terms
insured to the same (not better or worse) financial
condition after the loss as they were before the loss.
Independent Adjuster Independent Adjuster is a Role played by a Party who Party Role Insurance Work Group
handles a claim brought against an insurance company
or syndicate, and who is not an employee of the
insurance company. An insurance company will hire
independent adjusters when risks are relatively remote
from an insurer’s home office or branch office, when the
number of like risks in the portfolio are small and when
the risks require specialized expertise to be handled
appropriately. The adjuster evaluates the merits of each
claim and makes recommendations. An adjuster’s
actions include: collating details, validating coverage,
resolving disputes and agreeing where appropriate to
settle claims at a fair price. The adjustor is subject to
authority limits defined by company policy, contract,
experience or line of business.
Independent Agent Independent Agent is a licensed and appointed member Party Role Insurance Work Group
of an insurance agency who is not an employee of an
insurance organization, but who is responsible for
generating new policies and servicing existing policies
on their behalf.
Individual Agreement Individual Agreement is a kind of legal or contractual Agreement Insurance Work Group
Agreement that an individual voluntarily enters.
Industry Code Industry Code is an external classification of industries, Party Insurance Work Group
such as an SIC (Standard Industry Classification Code).
Example: 63nnnnnn is the classification series for
Insurance Carriers.
In-House Adjuster In-House Adjuster is a Role played by a Party who Party Role Insurance Work Group
handles a claim brought against an insurance company
or syndicate, and who is an employee of the insurance
company.
Inpatient Inpatient is a Role played by a Person who is formally Party Role Insurance Work Group
admitted (or hospitalized) to an institution for treatment
and/or care and stays for a minimum of one night in the
hospital or other institution providing inpatient care.

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Insurable Object Insurable Object is an item which may be included or Insurable Object Insurance Work Group
excluded from an insurance coverage or policy, either
as the object for which possible damages to the object
or loss of the object is insured, or as the object for which
damages caused by the object are insured. These
objects can be real (land and attachments) and
personal (movable effects not attached to land).
Examples: residence, vehicle, class of employees.
Insurable Object Owner Insurable Object Owner is a Role played by a Party that Party Role Insurance Work Group
has financial ownership of an object covered against
financial loss by an insurance policy or contract.
Insurance Agency Insurance Agency is an organization formed to market, Party Role Insurance Work Group
sell, and service insurance contracts from insurers with
whom the organization has been appointed and within a
territory by which the organization has been licensed.
Insurance Carrier Insurance Carrier is a company that provides protection Party Role Insurance Work Group
against a risk in the form of insurance coverage. This
term is synonymous with insurer, insurance company,
or carrier.
Insurance Class Insurance Class is the type or line of insurance Product Coverage Insurance Work Group
business in which the organization is engaged, e.g.,
Property and Casualty or Life Insurance.
Insurance Company Insurance Company is an organization providing Party Role Insurance Work Group
protection for life, health, property or casualty risks
based on formal written agreements that are purchased
by individuals or organizations.
Insurance Contract Insurance Contract is a document legally binding an Agreement Insurance Work Group
insurance company and an insured individual to the
terms and conditions outlined in the document
pertaining to the purchase, maintenance, support, and
fulfillment of the insurance coverage defined in the
document.
Insurance Policy Insurance Policy is a legally binding contract between Policy Insurance Work Group
an insurance organization and an individual or business
organization outlining the responsbilities of both parties,
the kind and amount of coverage, limits of coverage and
cost of coverage.
Insurance Product Insurance Product is a kind of financial services product Product Coverage Insurance Work Group
provided by an insurance carrier to indemnify a risk.
Insurance Service Insurance Service is a task performed to support or General Insurance Insurance Work Group
deliver on the promises of an insurance policy. Term
Insured Insured is a Role played by a Party whose risk or other Party Role Insurance Work Group
interest in the subject matter of the insurance is
indemnified under the policy. The insured does not
necessarily need to be the policyholder or the
beneficiary.
Insured Account Insured Account is an account at a brokerage firm, Account Insurance Work Group
bank, savings and loan association or credit union that
is insured either by a federal or private insurance. This
could also be an organization that has one or more
contractual relationships with a commercial lines
insurer.

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Insurer Insurer is a Role played by a Party who provides Party Role IBM IAA
insurance policies and indemnifies individuals and
organizations against loss.
Intermediary Agreement Intermediary Agreement is a kind of Agreement that Agreement Insurance Work Group
defining the ways in which an intermediary can act on
behalf of the financial services company. This includes
the specification of the authorized territory, the
authorized line of business, the compensation
conditions, and so on.
Legal Adviser Legal Adviser is a Role played by a Third Party to give Party Role Insurance Work Group
legal guidance and advice on the way the latter party
conducts business.
Legal identifier Legal Identifer is a term representing a unique alpha Party Insurance Work Group
numeric code for identification of an individual or
organization within a legal jurisdiction.
Legally Competent Party Legally Competent Party is a Party having the right Party Insurance Work Group
under law to make decisions, engage in business
relationships, commit to contractual terms, and engage
in legally required activities on behalf of themselves,
others, and/or organizations.
Life Event Life Event is an incident that occurs during the lifetime Event Insurance Work Group
of a Party and that may have importance in a decision
by the party to contemplate the purchase of insurance,
e.g., the birth of a child, a birthday, a graduation event.
Life Of A Claim Life Of A Claim is the period of time between the first Claim Insurance Work Group
notice of loss or first report of injury, and the final
settlement of a claim. This period may cover several
years, especially for some personal injury claims or
claims that may result in litigation. Claim reserves are
set aside at the time of the claim to cover demand for
benefits in the future.
Limit Limit, or Policy Limit, defines the highest amount that Product Coverage Insurance Work Group
could be paid (or can be another limit expression such
as number of days of compensation), associated with
the policy coverages.
Line Of Business Line Of Business is the kind of insurance business in Product Coverage Charlie Schaefer
which the organization is engaged, e.g., property,
liability, life, health.
Line Of Business Group Line Of Business Group is the aggregation of insurance Product Coverage Insurance Work Group
policies, coverages, or contracts by an insurance
carrier, either for internal reporting purposes or external
reporting purposes.
Lines Of Insurance Lines Of Insurance is a grouping of lines of business for Product Coverage Insurance Work Group
reporting purposes, e.g., Property insurance, Liability
insurance, Life insurance.
Litigation Litigation is a judicial contest through which legal rights Claim Insurance Work Group
are sought to be determined and enforced.
Location Address Location Address is a Contact Point that is an address Location Insurance Work Group
used for the delivery of letters and packages by an
external mailing or packaging service, at a place where
the recipeint usually lives or works. Note that the exact
structure of a postal address is likely to change
depending on the country of the postal address.

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Loss Loss is the total amount paid under an insurance Money Insurance Work Group
company for a claim. This includes the actual amount
paid to the beneficiary, the amount paid to any
individuals or organizations involved in adjusting the
claim, and any amount reserved for future payment.
Loss Event Loss Event is a specific incident that results or may Event Insurance Work Group
result in a claim for an insurance benefit. Examples
include death, theft, car accident, fire, and
hospitalization.
Loss Payee Loss Payee is a Role played by a Party to whom Party Role Insurance Work Group
payments for loss under a policy will be payable (e.g., a
mortgagee).
Mailing Preference Mailing Preference is a choice made by an individual or Communication Insurance Work Group
an organization on the first physical postal address at
which to receive deliveries from a postal carrier or
service. Mailing Preference is implemented in the data
model as Party Communication that resolves the many-
to-many relationship between a Party and the
Communication Identity that points to the Location and
Address entities.
Manager Manager is a role played by an individual within an Party Role Insurance Work Group
organization who defines and communicates the work
activities of others, makes decisions regarding the
allocation of resources, and legally engages in
relationships with individuals and organizations outside
the organization.
Managing General Agent Managing General Agent is a role played by a Party Role Insurance Work Group
wholesale insurance intermediary with the authority to
accept placements from (and often to appoint) retail
agents on behalf of an insurer. Managing general
agents generally provide underwriting and
administrative services, such as policy issuance, on
behalf of the insurers they represent. These
arrangements are most common in the surplus lines
marketplace. Typically, MGAs market more unusual
coverage, such as professional liability, for which
specialized expertise is required to underwrite policies.
MGAs benefit insurers because such expertise is not
always available within the company and would be
more costly to develop on an in-house basis.
Manufactured Object Manufactured Object is an Insurable Object that was Insurable Object Insurance Work Group
made by machine or by industrial process.
Maximum Per Claim Amount Maximum Per Claim Amount is the Limit that can be Product Coverage Insurance Work Group
paid for any single event for which a claim is reported.
This amount is inclusive of all coverage provided by an
insurance policy.
Maximum Per Person Amount Maximum Per Person Amount is the Limit that can be Product Coverage Insurance Work Group
paid to any person for the specified coverage per claim.
Medical Condition Medical Condition is an assessment of the health state Assessment Insurance Work Group
and physical condition of person, that may be covered
or indemnified by an insurance policy. Medical
Conditions include injuries, disease, disability, and can
include objective measures such as height, weight, and
blood pressure.

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Mid Term Mid Term is a type of endorsement that is applied to a Event Insurance Work Group
policy whereby the changes are made and effective at a
point in time after the effective date and before the
expiration date of a policy term, and not from the
effective date of the policy.
Milking Machine Milking Machine is an Insurable Object that is a kind of Insurable Object Insurance Work Group
Farm Equipment and is a machine for milking cows.
Mobile Communication Mobile Communication Preference identifies and Communication Insurance Work Group
Preference defines how an individual expects to receive information
or engage in conversation when not at a physical
structure that has a hard wired communication device.
In the data model, this is contained in Party
Communication and Communication Identity.
Mobile Home Mobile Home is an Insurable Object that is a dwelling Insurable Object Insurance Work Group
unit manufactured in a factory and designed to be
transported to a site and semi permanently attached.
Model Specification Model Specification identifies the manufacturer’s Insurable Object Insurance Work Group
designated model name and features of Insurable
Objects including but not limited to trucks, aircraft, or
automobiles.
Money Money is any financial amount that can apply to any of Money Insurance Work Group
the major business products and services, such as
policy, claim, transaction, etc. To date, these are in the
data model as Policy Amount and Claim Amount.
Money Provision Money Provision is a summary of potential and Money Insurance Work Group
contractual monetary flows, defined by their timing,
effective dates, method of payment, and so on. The
primary use of money provisions in an insurance
company is to represent premium payment schedules
and insurance benefit limits as defined in an insurance
policy. It can also be used to represent an amount
referenced in a loan, a commission amount, a salary, a
bonus, an expense associated to an internal or external
cost, an interest amount and so on. Examples are:
Premiums and Limits.
Motorcycle Motorcycle is an Insurable Object that is a two or three Insurable Object Insurance Work Group
wheeled automotive vehicle for one or two people.
Mutual Fund Provider Mutual Fund Provider is a kind of Service Provider who Party Role Insurance Work Group
offers shares in an investment company that uses the
capital to buy a diverse group of stocks from other
companies based on a stated set of investment
objectives. Supplier is a Role played by a Party who
supplies materials, products, or services to others; firm
in either the wholesale or the retail supply business.
Name Name is the wording used to provide a familiar label for General Insurance Insurance Work Group
any object or party. Names may not be unique and so Term
additional attributes are needed to uniquely identify any
specific object or party. Therefore names are never
used as identifiers.

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Natural Event Natural Event is an occurrence of a type where Claim Insurance Work Group
indemnification or insurance coverage may apply such
as an earthquake or forest fire or mudslide or hurricane.
In the data model, a specific Natural Event is
represented as an Occurrence and possibly also as a
Catastrophe.
New Business New Business is a policy transaction by which an Event Insurance Work Group
insurance policy is purchased by or sold to an individual
or organization where no current relationship exists for
that policy type with the insurance company. This
operation is recognized when the first premium is
collected.
Not For Profit Organization Not For Profit Organization is a kind of Organization that Party Insurance Work Group
has received a current and appropriate government
designation as a Not for Profit entity.
Number Number is a numeric value that can be expressed as a General Insurance Insurance Work Group
decimal, exponent, positive or negative value, and Term
against which one can perform arithmetic functions.
Object Assessment Object Assessment is the review and evaluation of a Assessment Insurance Work Group
specific insured item for validation of coverage.
Occupation Occupation is a kind of activity describing a person’s Party Insurance Work Group
usual or principal work or business activity, role and
responsibility, esp. as a means of earning a living;
vocation.
Occurrence Occurrence is an event that results in bodily injury and/ Claim Insurance Work Group
or property damage to a third party. A clause that is
common to most liability insurance policies stipulates
that all bodily injuries and/or property damages resulting
from the same general conditions are interpreted as
resulting from one occurrence and thus subject to the
policy limits per occurrence.
Offer Offer is an amount or item of value to be provided by an Claim Insurance Work Group
insurance company in exchange for an individual or
organization agreeing to terminate or settle a claim.
Opponent Third Party Opponent Third Party is an individual or group involved Claim Insurance Work Group
in the settlement of a claim whose interests are
opposed to the interests of the insurance company
attempting to settle the claim.
Organization Organization is a Party which is a business concern or Party Insurance Work Group
a group of individuals that are systematically bound by
a common purpose. Organizations may be legal entities
in their own right. This includes commercial
organizations such as corporations, limited liability
companies, partnerships, publicly quoted
multinationals, subsidiaries, etc. It also includes more
informal groupings such as clubs, societies, charities,
and interest groups consisting of two or more people.
The example sub-types that have been included in the
model are: Association, Trust, Company, Affinity group,
Professional group.
Organizational Event Organizational Event is a business entity change such Event Insurance Work Group
as a merger or acquisition.

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Other Assessment Result Other Assessment Result is a kind of Assessment Assessment Insurance Work Group
Result that is not covered by other commonly listed
options available.
Outpatient Outpatient is a Role played by a Person who is not Party Role Insurance Work Group
formally admitted to a facility (physician’s private office,
hospital outpatient center, or ambulatory-care center)
for treatment and/or care and who does not stay
overnight.
Pager Pager is a contact point that is a pocket-size electronic Communication Insurance Work Group
device whose signal notifies a person of an important
message, sometimes displaying the telephone number
to be called.
Party Party is a Person, Organization, or Grouping that can Party Insurance Work Group
enter into a contract or other legal proceeding, or which
plays a role in the insurance industry.
Party Role Party Role is a responsibility assumed by a Party in Party Role Insurance Work Group
relation to something. Examples:
Agreement Party Role - Party enters into an Agreement
via an Agreement Party Role OR
Insurable Item Party Role - Party owns or is financially
accountable for an Insurable Item via an Insured Item
Party Role OR
Claim Party Role - Party files or submits a Claim via a
Claim Party Role.
Patient Patient is a Role played by a Person who is in contact Party Role Insurance Work Group
with the health care system seeking attention for a
health condition.
Payment Payment is a transfer of money between two parties or Event Insurance Work Group
between two money repositories of the same party in
exchange for indemnification contractually provided,
services received or products acquired. A payment
could be made either by the insurance company or by a
third party.
Payment Due Payment Due is the monetary amount that is to be paid Money Insurance Work Group
in exchange for insurance policies, products or
coverages provided, or in payment for services
provided.
Permanent Policy Permanent Policy is a document, contract, or Policy Insurance Work Group
agreement issued by an insurance company providing
insurance coverage for a person, object, or location
from the effective date until the agreement is cancelled
or the person, object, or location no longer exists.
Person Person is a Party who is an individual human being, Party Insurance Work Group
either alive or dead.
Person Assessment Person Assessment is the evaluation of a person (a Assessment Insurance Work Group
type of Party), such as the condition of their health, their
blood pressure, their height and weight. All these
factors would have a bearing on their fitness for
insurance. Defines the evaluation of an individual that
measures their likelihood of contribution to the
probability of future events that may increase the risk
under an insurance policy or contract issued.

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Personal Event Personal Event is a life event such as a marriage or Event Insurance Work Group
retirement. For P&C a personal event is an event that
changes the underlying relationship with the insurance
company. Examples would include the sale of an
automobile and the purchase of another one, the sale of
a house and the purchase of another one, a child
receiving a license and needing to be included under a
current policy, etc.
Personal Inland Marine Personal Inland Marine Insurance is a kind of Personal Product Coverage Insurance Work Group
Insurance Line Insurance designed to insure exposures that
cannot be conveniently or reasonably confined to a
fixed location or insured at a standard rate under a
standard form. Examples: valuable items, parcel post,
trailers.
Personal Line Insurance Personal Line Insurance is a kind of Property and Product Coverage Insurance Work Group
Casualty insurance that is written on the personal, real
and non-business related property of an individual (or
individuals).
Physical Location Physical Location is an area bounded by parameters Location Insurance Work Group
such as Latitude and Longitude, Altitude, Depth, etc.
Physical Object Assessment Physical Object Assessment is an assessment type that Assessment Insurance Work Group
measures the risks represented by ownership,
utilization, or proximity of the physical object. It collects
information regarding the likelihood of the object to
contribute to the probability of future loss under an
insurance policy or contract issued.
Place Assessment Place Assessment is information regarding a location Assessment Insurance Work Group
and/or physical structure that may impact its likelihood
to contribute to the probability of future events that may
increase the risk under an insurance policy or contract
issued.
Policy Policy is a legal document that defines a written Policy Insurance Work Group
Agreement between an insurance company and an
individual or organization that puts insurance coverage
into effect.
Policy Coverage Policy Coverage defines the limits, terms, and Product Coverage Insurance Work Group
conditions of the type and extent of insurance or
indemnification provided to an individual or organization
under a contractual agreement of insurance.
Policy Coverage Part Policy Coverage Part is a major section of a Policy that Product Coverage Insurance Work Group
organizes the coverages. Typically, there are Coverage
Parts for property and liability.
Policy Deductiblet Policy Deductible defines the Deductibles (attachment Product Coverage Insurance Work Group
point for coverage) associated with the policy
coverages. Deductibles are the loss amounts paid by
the insured before insurance payments apply.
Policy Event Policy Event is an event that deals with servicing an Event Insurance Work Group
insurance policy. Examples would include Policy
Renewal, Reinstatement, Cancellation, etc.
Policy Form Policy Form is a document that explains the insurance Policy Insurance Work Group
coverages for a policy. These are usually standard
industry forms augmented by insurer-specific cover
pages and specialized addendums.

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Policy Form Number Value Party Form Number Value (called Policy Form Number) Policy Insurance Work Group
is the (often non-numeric) set of characters used to
identify an attachment to a property and casualty policy.
This “value” is usually established by the state or by a
rating bureau (i.e., the Insurance Services Office (ISO)),
or by the insurance company.
Policy Limit Policy Limit defines the Limits (highest amount of Product Coverage Insurance Work Group
coverage or other limit expression such as number of
days compensation) associated with the policy
coverages.
Policy Number Policy Number is the external identification for a policy Policy Insurance Work Group
and may include alpha policy types as well as numbers.
Policy Relationship Policy Relationship defines the relationship between Policy Insurance Work Group
two policies.
Policy Term Policy Term is the agreed maximum period of time for Policy Insurance Work Group
which an individual or organization applies for or is
granted coverage under an insurance policy, contract,
or agreement. Typical Policy Terms are one year or six
months, with provision for “renewal” after that duration
of time. Normally, rates can change at the end of each
Policy Term. The actual retrospective Policy Term is the
period of time during which a policy is in force - the time
between the Policy Effective Date and the Policy
Termination Date (the Expiration Date or a Cancellation
Date).
Policyholder Policyholder is an individual or organization who owns Party Role Insurance Work Group
an insurance policy.
Postal Address Postal Address is a Contact Point that is an address Location Insurance Work Group
used for the delivery of letters and packages by an
external mailing or package delivery service, at a place
where the recipient usually lives or works. Note that the
exact structure of a postal address is likely to change
depending on the country of the postal address.
Postal Code Postal Code represents an alphanumeric code Location Insurance Work Group
assigned to groups of addresses by various national
postal systems throughout the world to facilitate mail
delivery.
Pre Qualification Pre-Qualification is an Event resulting from the process Event Insurance Work Group
of assuring that a risk will be acceptable and a policy will
be issued before either the application is received or the
policy is fully underwritten.
Preferred Language Preferred Language is the designation for the language Communication Insurance Work Group
of choice for the related Organization, Person, or
Grouping.
Preferred Provider Preferred Provider is a Role that designates as Party Role Insurance Work Group
preferred an organization or individual which provides
contracting services on behalf of an insurer to a
claimant.
Premium Premium is the money amount that is charged for the Money Insurance Work Group
amount of insurance and the coverage terms provided
under the policy.

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Premium Auditor Premium Auditor is the Role that determines the Party Role Insurance Work Group
exposure basis for an insurance policy, i.e., payroll,
sales, or vehicle count, after the end of a policy period
to determine the actual (audited) exposure for the
purpose of making a final calculation of the premium
and premium taxes.
Pro Rata Pro Rata is a type of cancellation Event where the policy Event Insurance Work Group
is deemed to have been effective for a period of time
and only a pro rata amount of premium is returned
based on the time the policy was effective. The
calculation methodology for the pro rata amount can
change from insurance company to insurance
company.
Producer Producer is a Role played by a Person who sells and Party Role Insurance Work Group
services insurance policies in the jurisdictions for which
the person is licensed, and for the companies for which
the producer is appointed.
Product Product is the definition of what is agreed between the Product Coverage Insurance Work Group
insurance company and its customers as an item to be
purchased as part of an insurance agreement.
Property In Transit Property In Transit, also called Goods in Transit, Insurable Object Insurance Work Group
pertains to the insurance for goods being shipped, for
which the seller is usually responsible. The Property, or
Goods, are represented in the data model as Insurable
Objects.
Property Insurance Property Insurance is indemnification written on Product Coverage Insurance Work Group
physical structures, whether residential or commercial,
or their contents.
Prospect Prospect is a Role played by a Party who is a potential Party Role Insurance Work Group
purchaser of an insurance product.
Prospective Customer Prospective Customer is an individual or organization Party Role Insurance Work Group
that may purchase an insurance policy in the near
future.
Provider Provider is a Role played by a party to provide a service Party Role Insurance Work Group
or to take responsibility for people who contract with
them. Provider Roles are usually defined specifically,
such as for a Healthcare Provider versus Financial
Services Provider, etc.
Provider Agreement Provider Agreement is a kind of Agreement between an Agreement Insurance Work Group
individual or organization which provides products and/
or services, and the individual or organization
contracting for the products and/or services.
Public Adjuster Public Adjuster is a Role played by a Party who, as an Party Role Insurance Work Group
Adjuster, represents the interests of the claimant rather
than the insurance company.
Quote Quote is a type of Event that is a price estimate for an Event Insurance Work Group
insurance policy. The estimate is considered not to be
binding. The quote is usually based on a reduced set of
the information required for an insurance policy, so the
stated price can only be an approximation and may
change when the required final information is provided
and validated.

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Rating Territory Rating Territory is a code developed to charge an Location Insurance Work Group
adequate premium for the risk within that geographic
area.
Recovery Recovery is a kind of Claim activity in which the Claim Insurance Work Group
insurance company attempts to recoup monies
distributed in error or monies due it through the actions
or inactions of others. Recovery monies can result from
Salvage, Subrogation, or Reinsurance.
Recreational Vehicle Recreational Vehicle is an insured Object that is a Insurable Object Insurance Work Group
vehicle designed for recreation, as in camping.
Regional Office Regional Office is an Organization Unit of an insurance Party Insurance Work Group
company’s operations that may market, underwrite, and
service the company’s lines of business within a
specified geographical area.
Reinstatement Reinstatement is a transaction that is applied to a policy Event Insurance Work Group
to bring it back to actively insured status from a state
where the policy was cancelled.
Reinsurance Agreement Reinsurance Agreement is a kind of Agreement Agreement Insurance Work Group
between the Reinsurer and the Ceding Company that
stipulates the manner in which the insurance liability
written on various Risks insured by the Ceding
Company is to be shared, and the cost of the risk sharig
to the Ceding Company.
Reinsurance Contract See Reinsurance Agreement. Agreement Insurance Work Group

Reinsurance Recovery Reinsurance Recovery is the act of providing the Claim Insurance Work Group
appropriate information and validation of a loss(es) in
order to receive payment from a reinsurance
organization providing either facultative or treaty
reinsurance.
Reinsurer Reinsurer is an individual or organization who agrees Party Role Insurance Work Group
contractually to share for a fee with the insurer of a risk
the insurance liability written on the risk.
Renewal Renewal is the action of continuing the coverage Event Insurance Work Group
provided by a policy from one term to the next when the
original term expires. Renewal may result in changes to
the original policy for terms such as premium amount,
coverage terms, deductibles, limits of insurance, etc.
Repair Facility Repair Facility is an organization or location that Party Insurance Work Group
repairs, replaces, or makes available for its intended
use, a physical object that has suffered damage or loss.
Residential Structure Residential Structure is an Insurable Object that is used Insurable Object Insurance Work Group
for human habitation.
Rights Rights are the ability contractually granted or implied for General Insurance Insurance Work Group
an individual or organization to make ownership Term
decisions, apply changes, or receive benefits under an
insurance policy.
Risk Risk is when a person, physical object, location, or General Insurance Insurance Work Group
behavior is eligible for insurance coverage or Term
imdemnification by an insurance company.
Risk Factor Score Assessment Insurance Work Group

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Risk Manager Risk Manager is a Role played by a Party who is Party Role IRMI.com
responsible for managing an organization’s risks and
minimizing the adverse impact of losses on the
achievement of the organization’s objectives. The risk
manager is charged with identifying risks, evaluating
risks, selecting the best techniques for treating
identified risks, implementing the chosen risk
management techniques, and regularly evaluating and
monitoring the program.
Sales Organization Unit Sales Organization Unit is a business unit that is part of Party Insurance Work Group
an internal or external Organization (defined as a Party)
that is responsible for the sales (and possibly also
marketing) of the insurance-related Products for which
it is licensed and appointed to sell.
Sales Territory Sales Territory is a geographic region in which a Party Insurance Work Group
producer is both licensed and appointed to sell
insurance porducts and services. This can be defined
as an Organization Unit that is a subtype of Party. See
also Rating Territory (not a Party) and Territory which
can represent difference kinds of Organizational
groupings.
Salvage Salvage is the attempt by an Insurance Company to Claim Insurance Work Group
recover value from an object that is residual from the
claim event but still has economic value.
Schedueld Item Scheduled Item is an Insurable Object that is Insurable Object Insurance Work Group
specifically listed in a property insurance contract, and
insured separately from the standard property
insurance in order to receive the full value for a loss.
Examples are: expensive jewelry, furs, paintings,
electronics, etc.
Service Provider Service Provider is a party that provides services to or Party Role Insurance Work Group
for the insurance organization. Examples include:
doctors, hospitals, laboratories, paramedics, garages,
experts, vendors, and other financial institutions.
Services Services are the provision of needed human General Insurance Insurance Work Group
knowledge, skill, or assistance that is delivered to a Term
person or business, rather than physical items of value,
that can be provided as insurable objects or provided
through contractual obligation (such as claim
settlement).
Short Rate Short Rate is a subtype of Cancellation which is a Event Insurance Work Group
subtype of Policy Event. Short Rate means that when a
policy is cancelled, the returned amount of premium is
less that the “pro rata” proportion of the time the policy
was in effect.
Staff Staff is a Role played by a Person when working for Party Role Insurance Work Group
compensation, whether direct or indirect, for another
Party in return for stipulated services.
Staff Classification Staff Classification is a designation of staff persons as Party Insurance Work Group
to benefit eligibility and level within an organization.
Staff Role Staff Role defines the position and status of a person in Party Role Insurance Work Group
an organization for a period of time.

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Staff Work Assignment Staff Work Assignment tracks the association between Party Insurance Work Group
a staff person and a work area or work group within an
organization. Example: a person works in an
organization and is assigned to project team.
Staffing Agreement Staffing Agreement is an Employment Agreement Agreement Insurance Work Group
which is a written Agreement between employer and
employee, stating the terms of employment in an
organization.
Staffing Organization Staffing Organization (Employer) is a Role played by a Party Role Insurance Work Group
Party when that Party hires and pays wages, thereby
providing a livelihood to individuals who perform work.
The employment relationship confers authority on the
employer, who has the right to control and direct the
work to be performed. An employer also has the right to
engage or discharge and furnish the working location
and supplies. An employer is responsible for the
collection and remission of federal income and Social
Security taxes from employees’ compensation.
State State provides a reference list of U.S. States and Location Insurance Work Group
Canadian Provinces.
Status Status reflects the state, or condition, of a related entity General Insurance Insurance Work Group
(such as a policy or claim) at a given point in time or for Term
a designation duration. Examples: Cancelled, Closed,
Pending, etc.
Structure Structure is an Insurable Object that is a man-made Insurable Object Insurance Work Group
building or construction.
Subcontractor Subcontractor is a Role played by a Party to whom a Party Role Insurance Work Group
General Contractor or other subcontractor sublets part
or all of a contract.
Subrogation Subrogation is the legal process by which an insurance Claim Insurance Work Group
company, after paying a loss, seeks to recover the
amount of the loss or some portion of the loss from
another party who is legally liable for it. For example, if
a third party, through negligence, damages an insured’s
car and the insured’s insurance company pays to
restore the car, the insurance company has recourse
against the third party for the costs involved. The
insured cannot sue the third party for damage, since if
successful; the insured could collect twice for the same
damage.
Supplier Supplier is a Role played by a Party who supplies Party Role Insurance Work Group
materials, products, or services to others; firm in either
the wholesale or the retail supply business.
Surcharge Surcharge is a charge imposed in excess of standard or Money Insurance Work Group
normal charges for products and services provided
during an insurance activity. The surcharge may be
imposed by a governmental organization, an insurance
company, or a third party providing goods and services
during an insurance event.
Syndicate Syndicate is a group of firms or organizations that in Party Insurance Work Group
combination provide all required property and casualty
insurance coverage, normally to a commercial
organization.

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Task Task is a step or sub-process that is executed to Event Insurance Work Group
contribute to the fulfillment of a business unit of work.
Examples: Claim Setup, Payment Issuance, Check
Status.
Tax Tax is a charge imposed by a governmental Money Insurance Work Group
organization on individual and organizations in
exchange for governmental goods and services.
Tax Identifier Tax Identifier is a unique number or alphanumeric Party Insurance Work Group
configuration that provides identification of an
organization or individual by a taxing authority.
TDDTTY TDDITTY is a telecommunications device for the deaf, Communication Insurance Work Group
a TDD is a Contact Point type that is an electronic
device for text communication via a telephone line, used
when one or more of the parties have hearing or speech
difficulties. Another name to TDD is TTY (telephone
typewriter or teletypewriter).
Team Team is a subtype example of a Grouping that is a Party Insurance Work Group
subtype of Party.
Team Leader Team Leader is a Role that may apply to any major Party Role Insurance Work Group
object that requires team support.
Team Member Team Member is a Role that may apply to any major Party Role Insurance Work Group
object that requires team support.
Telephone Telephone is a Contact Point type that is an instrument Communication Insurance Work Group
for reproducing sounds at a distance; specifically, one in
which sound is converted into electrical impulses for
transmission (as by wire or radio waves) and then re-
converted into sound for use by the receiving contact
point.
Telephone Preference Telephone Preference is a reference to Party Communication Insurance Work Group
Communication (Type would be “Phone”) with
Preference attributes.
Temporary Insurance Contract Temporary Insurance Contract is a kind of contract Agreement Insurance Work Group
which provides insurance coverage to an insurable
person, object, or location from the signature of an
application for insurance until a decision is rendered by
the insurance company on the acceptance of the risk
and an insurance policy is officially generated. See also
Binder.
Terms And Conditions Terms and Conditions are the items listed in a formal Agreement Insurance Work Group
agreement between two parties that outline the
agreement, the deliverables, the legal constraints and
the recourse for non-performance.
Third Party Third Party is a party, other than the insured or insurer, Party Role Insurance Work Group
who has been involved in an action or series of actions
relevant to an insurance agreement between the
insured and insurer. An example would be an individual
or organization which incurred a loss due to actions or
omissions of the insured.
Third Party Administrator Third Party Administrator is an organization that is not Party Role Insurance Work Group
an insurance carrier but is contracted to provide
administrative services on behalf of the insurance
carrier.

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Third Party Staffing Agreement Third Party Staffing Agreement is an example of Agreement Insurance Work Group
Agreement with a third party to provide human
resources for company.
Time Time specifies the Hour, Minute, and Second of a 24- General Insurance Insurance Work Group
hour day. Term
Tractor Tractor is an Insurable Object that is a kind of motor- Insurable Object Charlie Schaefer
driven vehicle used to handle various attachments and
equipment.
Trailer Trailer is an Insured Object that is pulled by another Insurable Object Insurance Work Group
Vehicle and is used for transporting something.
Training Training is a development event attended by an Event Insurance Work Group
intermediary or an employee to achieve full competence
in some knowledge based or activity based aspect of
the insurance industry. It may be organized internally by
the insurer or offered by third parties. It may lead to a
status recognized internally by the insurer, or to
externally-recognized industry qualifications.
Transaction Transaction is an activity that, when conducted, Event Insurance Work Group
represents the conduct of business between two or
more parties in creating an agreement, fulfilling the
terms of an agreement, exchanging monies, or
changing an agreement.
Transportation Class Transportation Class is a subtype of Insurable Object Insurable Object Insurance Work Group
that describes the kinds of Tranportation being insured.
Transportation is a type of “Inland Marine” insurance.
This is also the Class Code used for Rating (see Class
Codes).
Treaty Treaty is a type of reinsurance agreement whereby the Agreement Insurance Work Group
reinsurance terms and conditions have already been
agreed to contractually between the issuing company
and the reinsurance company/ies. A treaty is written to
cover relationships on multiple risks rather than a single
risk.
Truck Truck is an Insurable Object that is any of various motor Insurable Object Insurance Work Group
vehicles designed for carrying or pulling loads.
Underwriter Underwriter is a Role of a person who works for an General Insurance Barron’s Insurance
insurer to determine if insurance risks should be Term Terms
accepted, and at what rate and price. The purpose of
underwriting is to spread the risk among a pool of
insureds in a manner that is equitable for the insureds
and profitable for the insurer.
Underwriting Assessment Underwriting Assessment is an evaluation provided by Assessment Insurance Work Group
an Underwriter who is reviewing the proposed new or
renewal policy to determine willingness to accept the
risk. Items that might be evaluated are the limits of
insurance being requested, the demographics of the
location, the demographics of the requestor, the
condition of the Insurable Object, etc.
Units Produced Units Produced is the insured production from a Party Insurance Work Group
commercial manufacturing organization.
Van Van is an Insured Object that is a usually enclosed Insurable Object Insurance Work Group
vehicle used for the transportation of goods or animals.

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Vehicle Vehicle is an Insurable Object that is a conveyance for Insurable Object Insurance Work Group
transporting people and/or goods.
Victim Victim is a Role played by a Party who is affected by any Party Role Insurance Work Group
kind of loss, condition or event that results in the
submission of a claim.
Visual Communication Visual Communication Preferences is a term used to Communication Insurance Work Group
Preferences identify or define how an individual expects to receive
information or engage in conversation when the
information or communication include or require visual
contact between two or more parties. See Party
Communication.
Watercraft Watercraft is an Insurable Object that is a Vehicle made Insurable Object Insurance Work Group
for transportation on water and primarily used for
personal use. It may be motorized or may be manually
propelled.
Web Address Web Address is a Contact Point type that is used by the Communication Insurance Work Group
World Wide Web browsers to locate and communicate
with individuals, organizations and resources on the
Internet. The addressing scheme is a Uniform Resource
Locator or Universal Resource Locator (URL). See
Party Communication.
Witness Witness is an example of someone who has firsthand Party Role Insurance Work Group
knowledge about a significant event through their
senses (e.g., seeing, hearing, smelling, touching), and
who can help certify important details and
considerations regarding the event.
Work Contact Point Indicator Work Contact Point Indicator is a term describing or Communication Insurance Work Group
defining the method that an individual prefers to receive
information or be engaged in a conversation by a third
party while at their place of employment or the location
at which they provide products and services to others
for a fee. See Party Comunication.
Workers Comp Class Workers Comp Class is a job classification covered by Insurable Object Insurance Work Group
a policy providing insurance converage on medical and
indemnity losses of employees of an organization. See
also Class Code.
Written Premium Written Premium is the policy premium that is booked to Money Insurance Work Group
the company financials as the amount the company will
be due should the policy go full terms.
Account Facility
Activity
Agreement Party
Assessment Activity
Campaign
Campaign Cell
Campaign Management
Campaign Step
Claim Folder Supporting Data
Claim Party Role
Claimee

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Class Codes
Cognitive Communication
Preferences
Company Description
Contact Point
Contact Preference
Credit
Deductable Rate
Document Sequence Number
Driving
Dun and Bradstreet Code
Earned
Effective Date
Employment Classification
Facultative Agreement
Fees
Geographic Area
Hearing Communication
Preferences
Home Contact Point Indicator
Insurable Object Group
Location Insurable Object
Management
Marketing Strategy Activity
Max Per Claim Amount
Max Per Person Amount
Mobility Communication
Preferences
Organization Description
Other Personal Activity
Particular Activity
Product Description
Product Line Of Business
Proposed Insurable Object
Proposed Insured
Provider Role
Regular Dealings
Taxes
Territory
Treaty Agreement
Workers Comp Classes
Written

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