Declaration-specific components

Custom titles

Clients may require case-specific title wording on declarations. An engineer can enable custom deliverable titles that are triggered by specific underwriting questions.

Ex: Sample Declaration Title Setup

Underwriting Rule

Liquor LiabilityYesXXXX
NoXXX
Commercial PropertyYesXXX
NoXXXX
Commercial General LiabilityYesXXX
NoXXXX
Declaration TitleCommercial PackageCommercial PackageCommercial PropertyGeneral LiabilityGeneral and Liquor LiabilityLiquor LiabilityCommercial Property

To enable:

  1. Navigate to Settings > Advanced
  2. Search: custom-deliverable-titles

Enter custom HTML. Engineers can read PR 8413 for more information.

Forms

Learn more about Set Up Forms.

Location On the Declaration

By default, BriteCore displays form numbers and editions on the bottom of the first page of the Declaration. Via a setting, clients can display forms on a separate page with the form numbers, editions, and descriptions. To enable:

  • Navigate to Settings > Deliverables > Options.
  • Check the Show Form Descriptions on Declarations, Quote Summaries, and Policy Applications settings

Display Forms as a List or Paragraph

By default, forms and endorsements display in paragraph form when printed. However, clients may wish to make forms and endorsements more readable by displaying them in a list. To enable:

  1. Navigate to Settings > Advanced > Reports
  2. Search: show-forms-as-lists
  3. Select True

Ex: Before

image2018-8-17_8-49-6.png

Ex: After

image2018-8-17_8-48-7.png

Include with the Declaration

When a Declaration is created for a policy, the associated form PDFs are not included. Via a setting, clients can include the form PDFs. To enable, run:

#UPDATE settings SET value=1 WHERE option=’include-forms-as-attachment’

  • This feature does not change which forms print or when they should print. This feature only displays the policy forms applicable to the specific policy in the policy’s Attachments tab.
  • Agents may access the policy forms within the Agent Portal, but their access is determined by the Only display printed deliverables in Policies and Claims ‘Documents’ page setting
  • The first time a Declaration is created for each policy term of a policy, all forms display with that Declaration. All other Declarations created during a term include newly added forms to the policy, forms configured to print with every Declaration, or forms that should print but have yet to. An example of when forms should print but have yet to: when an endorsement is processed twice, for whatever reason, where the Declaration and forms on endorsement have yet to print.

Printing the Declaration Across Terms

Previously, if a late term endorsement is processed after the renewal has been issued, BriteCore would not print the new renewal Declaration. A setting will change this behavior by causing the renewal Declaration to print:

  1. Navigate to Settings > Advanced
  2. Search: print-deliverable-if-propagation-crosses-term
  3. Select True 

Note: For sites created after September 2018, this setting is set to True by default.

Fees

By default, a total fees line item appears on the Declaration, Quote Summary, and Policy Application. A setting allows clients to hide the fee line item when it equals $0. To enable:

  1. Navigate to Settings > Deliverables > Options
  2. Check the If fees total $0, omit the total on the Declaration, Quote Summary, and Policy Application setting

Quote/App/Policy Number Prominence

Clients can embolden the quote, application, and policy number on the Declaration, Quote Summary, and Policy Application via a setting. To enable:

  1. Navigate to Settings > Deliverables > Options
  2. Check the Embolden the policy/quote id on Declaration, Quote Summary, and Policy Application setting

Use an Alias for a Line Item

Clients can alter the name of a line item or combine category information with a line item on the Declaration. For example, rate categories associated with a line item appear under the Rating Information section of a Declaration, Quote Summary, or Policy Application, which is typically on page two. With decAliases, rate category values can appear prominently on the first page with the associated line item as pictured below. Engineers may reference PR 4586. To use:

  1. Locate the desired line item in the policy_type_items table
  2. The decAliases column for the line item takes a JSON dictionary with two keys: item_alias and category_aliases. Update the dictionary using this format:

“category_aliases”: {“Category 1”: “cat1”},

“input_aliases”: {“User Input”: “input1”},

“item_alias”: “A python formatted str. {cat1} {input1}”}

Screen Shot 2018-04-25 at 10.16.56.png

Endorsements

Clients can display a change in premium and change in fees row on amended Declarations. Amended Declarations occur when an endorsement is performed. To enable:

  1. Navigate to Settings > Deliverables > Options
  2. Check the Show the Change in Premium and Fees on Amended Declarations

Setting for Amended Declaration Deliverable

BriteCore uses a revisioning system to track changes to a policy over time. When a revision is committed, or issued, a Declaration will generate. By default, when a revision is committed on a policy’s effective date an Initial or Renewal Declaration will generate, depending upon whether the policy is new business or a renewal. Any revision committed during the term will generate an Amended Declaration.

You may prefer that any time a user manually creates and commits a revision an Amended Declaration generates, even if the change occurs on an effective date revision. When enabled, the setting show-dialog-for-declaration-type will give the user committing the revision a choice to generate an Amended Declaration.

When the setting is set to True, a dialog box appears giving the user the choice of Amended Declaration on effective date revisions. This setting only changes the wording on the Declaration from Initial/Renewal to Amended. Policy processing, vendors and reports are not affected. The dialog box will ask if the printed declaration should state Amended.

To enable the setting:

  1. Log in as an Administrator
  2. Navigate to Settings > Advanced
  3. Search show-dialog-for-declaration-type
  4. Set to True

In a policy when you commit a revision a pop up will confirm your selection for the declaration:

image2019-3-27_8-57-54.png

Note: By default, the system marks Declarations as amended if done within the policy term.

 

  • Ex: Before the setting deliverable

image2019-3-27_8-59-35.png

  • Ex: After the setting deliverable

image2019-3-27_9-0-39.png

Change the Mailing Date to the Endorsement (Revision) Commit Date

When a new revision (endorsement) is created on a policy, the Declaration’s default mailing date is the revision effective date. This can create a problem if the print_date falls on a holiday. When that happens, by default the actual print date is moved to the next working day, while the document displays the holiday as the print date. An advanced setting changes the mailing date to be the revision commit date instead.

To enable:

  1. Navigate to Settings > Advanced
  2. Search: use-revision-commit-date-as-dec-mailing-date
  3. Select True

Line Items

Line Item Grouping

Clients can define a group into which coverages appear. For example, clients may want to group Coverages A, B, C and D within a Section 1 heading. To use:

  1. Navigate to Settings > Deliverables
  2. Locate the Declaration
  3. Click the edit icon
  4. Scroll to the Declaration Section area
  5. For the applicable Policy Type, click the pencil
  6. Define the section groups, such as Property Coverages or Section 1 Coverages
  7. Click Done
  8. Repeat for each Policy Type
  9. Navigate to the Lines module and access the applicable policy types
  10. Access the applicable line item
  11. Assign the line item to the desired Declaration Section via the Display on Declaration as setting

Other Line Item Settings

The following settings that affect how line items appear on the Declaration are configured in the Lines module on each individual line item.

  • If a line item has category or supplemental question information, clients can hide that information on the Declaration using the Do not display under Rating Information on the Declaration setting
  • If a line item does not have category or supplementation question information, clients can show the item’s limit and premium using the Show limit and premium under Rating Information on the Declaration setting
  • When the premium of a line item is $0, clients can:
    • Not display the line item using the Do not display on Declaration when premium equals $0 setting
    • Show the word Incl. using the Display the premium as “Incl” on the Declaration when premium equals $0 setting

Rating Information Section

When a line item has rating information (e.g., rate categories), BriteCore displays the line item in the Rating Information section of the Declaration. This section is stand-alone and appears on its own page.

Title

This section, by default, is labeled Rating Information. Clients can update this section’s name for each policy type. For example, rather than Rating Information, clients may want to use the phrase Supplemental Declarations. To enable:

  1. Navigate to Lines > Effective Dates
  2. Select an effective date
  3. Select the state or province from the dropdown list
  4. Click the pencil icon beside the policy type you’d like to edit
  5. Add the new rating information title in the Change rating information title for deliverable textbox
    Note: The new title must be at least 2 characters long
  6. Click Change

Bulleting

If there are multiple instances of the line item, each instance’s rating information is grouped together. By default, an * denotes the beginning of a new group. Via a setting, clients can use a ♦.

  • To retain the *, do nothing
  • To use the ♦, the value column of the setting must be blank. As such, run:

    #UPDATE settings SET value=” WHERE option=’dec-premium-prefix’

Declaration(s)

By default, BriteCore shows the word Declaration on the Declaration deliverable. Via a setting, clients can amend this to Declarations. To set to Declarations, run:

#UPDATE settings SET value=’declarations’ WHERE option=’declarations’

Example Wording

The following examples include wording clients could use when building a Declaration.

Ex 1:

Please read your policy closely.

The current Declaration replaces all previously issued policy Declarations, if any. Each policy period of one year beginning on the policy effective date and ending on the policy expiration date constitutes the policy period. This policy applies only to those coverages indicated below for the limit of coverage as shown and for which a premium has been charged. The limit for each coverage shall not be more than the amount stated for such coverage, subject to all the terms and conditions of this policy. The policy Deductible reflected on this Declaration Page applies to all property coverages unless otherwise stipulated within the policy language. Only one Deductible applies per occurrence. Your insurance policy includes all declarations pages, the policy form, policy jacket, and all applicable endorsements.

You are hereby advised that you must immediately notify the company of any change concerning this policy, including, but not limited to: a change in ownership, occupancy, or use of the insured property. Your failure to do so may result in loss of insurance coverage herein.

This policy does not cover damage from flood. For information about flood insurance, contact the National Flood Insurance program or your insurance agent, {agent} {agent_phone}.

{print_description}

Ex 2:

This replaces all previously issued policy Declarations, if any. This policy only applies to those coverages for which a limit of liability is shown and a premium charge is made. This limit of liability for each coverage shall not exceed the amount stated for such coverage, subject to all the terms of this policy.

The policy Deductible reflected on this Declarations applies to all property coverages unless otherwise stipulated within the policy language.

Billing Schedule – {billing_schedule}

{print_description}

Ex 3:

Please Read Your Policy Carefully

{print_description}

The current Declaration replaces all previously issued policy Declarations, if any. Each policy period of one year, beginning on the policy effective date and ending on the policy expiration date, constitutes the policy period. This policy applies only to those coverages indicated above for the limit of coverage as shown and for which a premium has been charged. The limit for each coverage shall not be more than the amount stated for such coverage, subject to all the terms and conditions of this policy.

The policy Deductible reflected on this Declaration Page applies to all property coverages unless otherwise stipulated within the policy language. Only one Deductible applies per occurrence.

When these * are contained in the limit fields above, they indicate either limits do not apply or are included in another coverage limit.

Ex 4:

THIS POLICY IS ISSUED ON THE ASSESSMENT COOPERATIVE PLAN

{print_description}

The current Declaration replaces all previously issued policy Declarations, if any. This policy applies only to accidents, occurrences, or losses which happen during the policy period shown above.

This policy applies only to those coverages indicated below for which a coverage limit is shown or for which a premium has been charged. Our liability for each coverage shall not be more than the amount stated for each coverage, subject to all the terms of this policy.

In case of a property loss, we cover only that part of the loss over the deductible stated below unless otherwise stipulated within the policy language.

* Contained in the coverage limit field indicates either a coverage limit does not apply to this item or a coverage limit is shown on another form attached to this policy.

The premises covered by this policy is located at the address shown below unless otherwise stated.

Provisions required by law to be stated in this policy: – This company is an Assessment Cooperative Fire Insurance Company having by-laws and special regulations relating to meetings of members, election of directors, rights and obligations of members and liability of members to assessment as printed on the second page hereof.