Set up and customize the Declaration

Enable custom titles

Clients may require case-specific title wording on the Declaration. The custom-deliverable-titles advanced setting can enable specific underwriting questions to trigger custom deliverable titles.

Table 1: Sample Declaration title setup.

To enable:

  1. In the Provider Administrator portal navigate to Settings > Advanced.
  2. In the Search for a Setting box, type custom-deliverable-titles, and then select Search or press Enter/Return on your keyboard.
  3. In the custom-deliverable-titles box, select the Edit HTML button.
  4. In the Edit HTML dialog box, type the desired custom HTML.
  5. Select Save Changes to save the custom HTML, or select Cancel to exit without saving.

Forms and endorsements

Form number/edition location

Form numbers and editions appear on the bottom of the first page of the Declaration by default. With the Show Form Descriptions on Declarations, Quote Summaries, and Policy Applications setting, clients can display forms on a separate page with the form numbers, editions, and descriptions.

To enable:

  1. In the Provider Administrator portal, navigate to Settings > Deliverables
  2. Navigate to the Options section and select the Show Form Descriptions on Declarations, Quote Summaries, and Policy Applications setting.
  3. Select Save

Form and endorsement information format

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

To display forms/endorsements as a list:

  1. In the Provider Administrator portal, navigate to Settings > Advanced.
  2. In the Search for a Setting box, type show-forms-as-list, and then select Search or press Enter/Return on your keyboard.
  3. In the show-forms-as-list box, change the setting from False to True.

Figure 1 and Figure 2 illustrate the effect this setting has when set to False and True, respectively.

Figure 1: Forms and endorsements with show-forms-as-list disabled or set to False.
Figure 2: Forms and endorsements with show-forms-as-list enabled or set to True.

Include form PDFs with the Declaration

When a Declaration is created for a policy, the associated form PDFs aren’t included. Clients can include the form PDFs by enabling the include-forms-as-attachments advanced setting. This advanced setting doesn’t change the print state of the form(s), but it displays the policy forms that are applicable to a specific policy in the policy’s Attachments screen. 

The first time a Declaration is created for a policy’s policy term, all forms display with the respective Declaration. Declarations created during a policy term will include: 

  • Newly added forms to the policy.
  • Forms configured to print with every Declaration.
  • Forms that should print, but haven’t printed yet. For example, when an endorsement is processed twice and the Declaration and forms on the endorsement have yet to print. 

Depending on the setting Only display printed deliverables in Policies and Claims ‘Documents’ page, agents may access the policy forms within the Agent portal.

To enable this advanced setting: 

  1. Navigate to Settings > Advanced
  2. In the Search for a Setting box, type include-forms-as-attachments, and then select Search or press Enter/Return on your keyboard. 
  3. In the include-forms-as-attachments box, change the setting from False to True.

Print the Declaration across terms

By default, if a late-term endorsement is processed after a renewal has been issued, BriteCore won’t print the new Renewal Declaration. The print-deliverable-if-propagation-crosses-term advanced setting changes this behavior by causing the Renewal Declaration to print.

To enable:

  1. In the Provider Administrator portal, navigate to Settings > Advanced.
  2. In the Settings menu, select Advanced.
  3. On the Advanced Settings screen, in the Search for a Setting box, type print-deliverable-if-propagation-crosses-term, and then select Search or press Enter/Return on your keyboard.
  4. In the print-deliverable-if-propagation-crosses-term box, change the setting from False to 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. In the Provider Administrator portal, navigate to Settings > Deliverables.
  2. In the Options section, locate and select the If fees total $0, omit the total on the Declaration, Quote Summary, and Policy Application checkbox.
  3. Select Save at the top or bottom of the screen.

Quote/application/policy number prominence

Clients can prominently display the quote, application, and policy number on the Declaration, Quote Summary, and Policy Application with the Embolden the policy/quote id on Declaration, Quote Summary, and Policy Application setting.

To enable:

  1. In the Provider Administrator portal, navigate to Settings > Deliverables.
  2. In the Options section, locate and select the Embolden the policy/quote id on Declaration, Quote Summary, and Policy Application checkbox.
  3. Select Save at the top or bottom of the screen.

Endorsements

Clients can display a change in premium and a change in fees row on an Amended Declaration. An Amended Declaration occurs when an endorsement is performed.

To enable:

  1. In the Provider Administrator portal navigate to Settings > Deliverables.
  2. In the Options section locate and select the Show the Change in Premium and Fees on Amended Declarations checkbox.
  3. Select Save at the top or bottom of the screen.

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 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 show-dialog-for-declaration-type advanced setting will give the user committing the revision the choice to generate an Amended Declaration.

When the setting is set to True, a dialog box appears that gives 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 aren’t affected. The dialog box will ask if the printed declaration should state Amended.

To enable the setting:

  1. In the Provider Administrator portal, navigate to Settings > Advanced.
  2. In the Search for a Setting box, type show-dialog-for-declaration-type, and then select Search or press Enter/Return on your keyboard.
  3. In the show-dialog-for-declaration-type box, change the setting from False to True.

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

Note: By default, the system marks declarations as amended if generated within the policy term.

Change the mailing date to the revision(endorsement) 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, the actual print date is moved to the next working day by default, while the document displays the holiday as the print date. The use-revision-commit-date-as-dec-mailing-date advanced setting changes the mailing date to be the revision commit date instead.

To enable:

  1. In the Provider Administrator portal, navigate to Settings > Advanced.
  2. In the Search for a Setting box, type use-revision-commit-date-as-dec-mailing-date, and then select Search or press Enter/Return on your keyboard.
  3. In the use-revision-commit-date-as-dec-mailing-date box, change the setting from False to 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 group coverages:

  1. In the Provider Administrator portal, navigate to Settings > Deliverables > Mass Deliverables.
  2. In the Mass Deliverables section, select a state from the State dropdown list. A list of stock and custom deliverables will appear.
  3. Locate the Declaration deliverable and select the pencil icon next to it. The Mass Deliverable Setup dialog box will display.
  4. Navigate to the Declaration Section area.
  5. Next to the applicable Policy Type, select the pencil icon. The Declaration Sections dialog box will display.
  6. In the Section boxes, define the section groups, such as Property Coverages or Section 1 Coverages. Select + Add Section to add additional sections.
  7. When you’re finished defining sections, select Done.
  8. Repeat for each applicable policy type listed in the Declaration Section area.
  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 by enabling the line Item setting Do not display under Rating Information on the Declaration.
  • If a line item doesn’t have category or supplementation question information, clients can show the item’s limit and premium by enabling the line Item setting Show limit and premium under Rating Information on the Declaration.
  • When the premium of a line item is $0, clients can choose to:
    • Not display the line item using the Do not display on Declaration when premium equals $0 line item setting.
    • Show the word Incl. using the Display the premium as “Incl” on the Declaration when premium equals $0 line item setting.

Rating Information section

When a line item has rating information, such as rate categories, BriteCore displays the line item in the Rating Information section of the declaration. This is a standalone section and appears on its own screen.

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.
  2. On the Effective Dates screen, select and effective date from the list.
  3. Select a state or province from the Select State or Province dropdown list.
  4. Select the pencil icon next to the policy type you want to edit.
  5. Add the new rating information title in the Change rating information title for deliverable box.

    Note: The new title must be at least two characters in length.

  6. Select Change.

Bullets

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

  • To continue using the * to denote the start of a new group, do nothing. 
  • To use the ♦, to denote the start of a new group, you must remove the text in the Setting Value box. 

To use the setting: 

  1. Navigate to Settings > Advanced
  2. In the Search for a Setting box, type dec-premium-prefix. Press Enter/Return on your keyboard or select Search
  3. In the dec-premium-prefix box, in the Setting Value box, delete any text that appears there. 

Change Declaration to Declaration(s)

By default, BriteCore shows the word Declaration on the Declaration deliverable. With a setting, clients can amend the word to Declarations. To change Declaration to Declarations: 

  1. Navigate to Settings > Advanced
  2. In the Search for a Setting box, type declarations. Press Enter/Return on your keyboard or select Search
  3. In the Setting Value box, type DECLARATIONS

Custom wording

You can further customize the Declaration deliverable by including explanatory text. To add text: 

  1. Navigate to Settings > Deliverables > Mass Deliverables.
  2. From the State dropdown list, select the state that you’re customizing the Declaration for.
  3. Navigate to Declaration and select the pencil icon. The Mass Deliverable Setup dialog box will open.
  4. In the Fixed Components section, in the Front Text Area box, type the verbiage you want to include on the Declaration. The examples below provide an idea of the text you can include. 

Example 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’re 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}

Example 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}

Example 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.

Example 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.

Use an alias for a line item

Clients can change 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 the second page. With decAliases, rate category values can appear prominently on the first page with the associated line item as pictured below. 

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}”}

Figure 3: decAliases example.