Policy sections and coinsurance

A policy section (section) is a set of coverages on a policy that are treated as a group for some insurance purpose, such as coinsurance or commission overrides. When you add a coverage with a policy section to a submission, PolicyCenter automatically includes the policy section associated with the coverage category to the job.

When you configure coinsurance for a policy, policy sections provide a mechanism to share risks on a coverage category. You can associate a policy section with a coinsurance agreement or a tower. To associate a policy section with a coinsurance agreement, see Create a coinsurance agreement. To associate a policy section with a tower, see Create a tower with layers.

Query for coinsurance agreement details

You can query the coinsurance agreements, the policy sections, and the parties associated with each policy level and section level coinsurance agreement.

Use the following endpoints to query for policy level and section level coinsurance agreement details:
  • GET /jobs/{jobId}/coinsurance-agreements
  • GET /jobs/{jobId}/coinsurance-agreements/{coinsuranceAgreementId}
  • GET /jobs/{jobId}/coinsurance-agreements/{coinsuranceAgreementId}/parties/{partyId}
  • GET /jobs/{jobId}/coinsurance-agreements/{coinsuranceAgreementId}/policy-sections
  • GET /jobs/{jobId}/coinsurance-agreements/{coinsuranceAgreementId}/policy-sections/{sectionId}
  • GET /policies/{policyId}/coinsurance-agreements/{coinsuranceAgreementId}/policy-sections
  • GET /policies/{policyId}/coinsurance-agreements/{coinsuranceAgreementId}/policy-sections/{sectionId}

For example, the following query returns a list of policy sections associated with job pc:Sf-bEIu7Pui2fQz_40mdJ and coinsurance agreement 1:

Command
GET /job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/coinsurance-agreements/1/policy-sections
Response
{
    "count": 1,
    "data": [
        {
            "attributes": {
                "id": "PP",
                "sectionType": {
                    "code": "PP",
                    "name": "Property"
                }
            },
            "checksum": "1d8c837a0bc443d8794e4c041d52714d",
            "links": {
                "self": {
                    "href": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/coinsurance-agreements/1/policy-sections/PP",
                    "methods": [
                        "get"
                    ]
                }
            }
        }
    ],
    "links": {
        "first": {
            "href": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/coinsurance-agreements/1/policy-sections",
            "methods": [
                "get"
            ]
        },
        "self": {
            "href": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/coinsurance-agreements/1/policy-sections",
            "methods": [
                "get"
            ]
        }
    }
}
Note: This query does not return layer-level coinsurance agreements.