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 policy section details

You can query policy sections at the job level, policy level, coinsurance level, and layer level.

Query for policy sections at the job or policy level

Use the following endpoints to query for policy sections at the job level or policy level:
  • GET /jobs/{jobId}/policy-sections
  • GET /jobs/{jobId}/policy-sections/{sectionId}
  • GET /policies/{policyId}/policy-sections
  • GET /policies/{policyId}/policy-sections/{sectionId}
Use the following commands to view policy sections with references to any tower or coinsurance agreements associated with each section:
  • GET /jobs/{jobId}/policy-sections?fields=*all
  • GET /policies/{policyId}/policy-sections?fields=*all

For example, the following query returns a list of policy sections associated with job pc:Sf-bEIu7Pui2fQz_40mdJ along with any associated towers and coinsurance agreements:

Command 
GET /job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/policy-sections?fields=*all
Response 
{
    "count": 2,
    "data": [
        {
            "attributes": {
                "id": "LI",
                "sectionType": {
                    "code": "LI",
                    "name": "Liability"
                },
                "tower": {
                    "displayName": "Liability",
                    "id": "3",
                    "type": "Tower",
                    "uri": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/towers/3"
                }
            },
            "checksum": "cc195ceeffa633d1a405dd531568d4b5",
            "links": {
                "self": {
                    "href": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/policy-sections/LI",
                    "methods": [
                        "get"
                    ]
                }
            }
        },
        {
            "attributes": {
                "coinsuranceAgreement": {
                    "displayName": "Property",
                    "id": "1",
                    "type": "CoinsuranceAgreement",
                    "uri": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/coinsurance-agreements/1"
                },
                "id": "PP",
                "sectionType": {
                    "code": "PP",
                    "name": "Property"
                }
            },
            "checksum": "1d8c837a0bc443d8794e4c041d52714d",
            "links": {
                "self": {
                    "href": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/policy-sections/PP",
                    "methods": [
                        "get"
                    ]
                }
            }
        }
    ],
    "links": {
        "first": {
            "href": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/policy-sections?fields=*all",
            "methods": [
                "get"
            ]
        },
        "self": {
            "href": "/job/v1/jobs/pc:Sf-bEIu7Pui2fQz_40mdJ/policy-sections?fields=*all",
            "methods": [
                "get"
            ]
        }
    }
}
Note: If a section does not have an associated tower or coinsurance agreement, the query returns section details without tower or coinsurance agreement information.

Query for policy sections associated with layers or coinsurances

To query policy sections that are associated with a layer or a coinsurance agreement, see Query for tower details and Query for coinsurance agreement details.