Underwriting authority profiles

An underwriting issue is an object attached to a policy transaction that indicates some aspect of the transaction requires review and approval by an underwriter. Underwriting issues are created automatically by underwriting rules.

An underwriting authority profile is a collection of authority grants that can be associated with one or more users. Each authority grant lists a type of underwriting issue, with an optional condition, that the associated users can approve. For example, a given underwriting authority profile could grant the ability to approve the following types of underwriting issues:

  • Producer code changed (issue type with no condition)
  • Claim total incurred is greater than $10,000 (issue type with a "> 10000" condition)

Through Cloud API, you can retrieve information about underwriting authority profiles and assign them to users. There is also limited functionality to create, update, and delete them.

Retrieving information about underwriting authority profiles

To retrieve information about underwriting authority profiles, use the following endpoints:

  • GET /admin/v1/uw-authority-profiles
  • GET /admin/v1/uw-authority-profiles/{uwAuthorityProfileId}

For example, the following payload retrieves information about the base configuration underwriting authority profiles. (Checksum and link information has been omitted.)

GET /admin/v1/uw-authority-profiles/

{
    "count": 9,
    "data": [
        {
            "attributes": {
                "description": "Agent 1",
                "displayName": "Agent 1",
                "id": "pc:agent1",
                "name": "Agent 1"
            }
        },
        {
            "attributes": {
                "description": "Agent 2",
                "displayName": "Agent 2",
                "id": "pc:SFWdb3rRQxDA9AyksL1p_",
                "name": "Agent 2"
            }
        },
        {
            "attributes": {
                "description": "External User Profile",
                "displayName": "External User Profile",
                "id": "authorityprofile:extuser",
                "name": "External User Profile"
            },
        },
        {
            "attributes": {
                "description": "Service User Profile",
                "displayName": "Service User Profile",
                "id": "authorityprofile:serviceuser",
                "name": "Service User Profile"
            }
        },
        {
            "attributes": {
                "description": "Unauthenticated User Profile",
                "displayName": "Unauthenticated User Profile",
                "id": "authorityprofile:uauser",
                "name": "Unauthenticated User Profile"
            }
        },
        {
            "attributes": {
                "description": "Underwriter 1",
                "displayName": "Underwriter 1",
                "id": "pc:underwriter1",
                "name": "Underwriter 1"
            }
        },
        {
            "attributes": {
                "description": "Underwriter 2",
                "displayName": "Underwriter 2",
                "id": "pc:underwriter2",
                "name": "Underwriter 2"
            }
        },
        {
            "attributes": {
                "description": "Underwriter Manager",
                "displayName": "Underwriter Manager",
                "id": "pc:SeOY1PmQwKcwQnuWvmCOy",
                "name": "Underwriter Manager"
            }
        },
        {
            "attributes": {
                "description": "internet portal",
                "displayName": "internet portal",
                "id": "pc:SZ6snOkKD_qhPHsqGgGwy",
                "name": "internet portal"
            }
        }
    ]
}

Assigning underwriting authority profiles to users

When you create or edit a user, you can specify the user's underwriting authority profiles. For example, the following payload creates a user with the following attributes:

  • First name: Devon
  • Last name: Byrne
  • User name: dbyrne
  • Roles: underwriter (underwriter)
  • Underwriting authority profiles: Underwriter 1 (pc:underwriter1)
POST /admin/v1/users

{
  "data": {
    "attributes": {
        "firstName": "Devon",
        "lastName": "Byrne",
        "username": "dbyrne",
        "roles": [
            {
                "id": "underwriter"
            }
        ],
        "uwAuthorityProfiles": [
            {
                "id": "pc:underwriter1"
            }
        ]
    }
  }
}

Modifying underwriting authority profile assignment

Similar to modifying a user's roles, you can use the PATCH /admin/v1/users/{userId} endpoint to assign or unassign underwriting authority profiles to an existing user by modifying the uwAuthorityProfiles array.

Note that, within Cloud API, PATCHing an array does not add the PATCH members to the members already existing in the array. Instead, the PATCH replaces the existing members with the PATCH members. If you want a PATCH to be additive to an array, you must first determine the existing members of the array, and then specify an array in the PATCH with the existing members as well as the ones you wish to add.

For example, suppose you have an existing user named Devon Byrne with an ID of pc:235 and the Underwriter 1 underwriting authority profile (pc:underwriter1). You want to add the Underwriter 2 underwriting authority profile (pc:underwriter2) to this user. To do so, you must use the following payload. (Note that the payload specifies the existing profile and the new profile.)

PATCH /admin/v1/users/pc:235

{
  "data": {
    "attributes": {
      "uwAuthorityProfiles": [
        {
          "id": "pc:underwriter1"
        },
        {
          "id": "pc:underwriter2"
        }
      ]
    }
  }
}

Creating, updating, and deleting underwriting authority profiles

You can use the following endpoints to manage underwriting authority profiles:

  • POST /admin/v1/uw-authority-profiles
  • PATCH /admin/uw-authority-profiles/{uwAuthorityProfileId}
  • DELETE /admin/v1/uw-authority-profiles/{uwAuthorityProfileId}

Note that these endpoints use the UWAuthorityProfile schema, which is designed primarily for assigning existing underwriting authority profiles to users. This schema has only a small number of fields:

  • description
  • displayName (read-only)
  • id (read-only)
  • name

Thus, you can create an underwriting authority profile. But there are currently no endpoints that let you populate the profile with authority grants. This must be done through the PolicyCenter user interface.