Lines

Gen 3

Lines

Lines Categories

Category Types

In BriteCore, you can choose from several types of Categories.

Standard

The Standard category is definable and has definable options, which users can choose from a dropdown list:

  • Construction type
    • Frame
    • Masonry
  • Occupancy
    • Owner occupied
    • Tenant occupied
  • Number of families
    • 1
    • 2
    • 3

Default category value

Using the Standard category, you can explicitly set a default. When an agent or staff member builds a new policy, BriteCore selects the default value.

Example: If you offer $500, $1000, and $2500 deductibles and set $1000 as the default, then BriteCore will automatically select $1000 when a user builds a policy.

If you don’t set a default value, the category will default to the first option in the list. The default option takes precedence over the Blank Category Default setting, which you can find in Settings > Modules > Lines > Options.

Disallowed category value

Using the Standard category, you can explicitly set disallowed values. Disallowed categories are intended to make a policy application ineligible. In the Policy Wizard, users who select a disallowed category are notified that the application is ineligible and the user can’t proceed.

Age

The Age category is for specifically pulling the ZIP codes associated with locations in Settings > System Wide > Business Locations. When a user enters a risk address on a policy, the ZIP code value automatically pulls into the policy rating.

When the policy renews and is on its last available number, the line item is removed and the policy is automatically committed.

Note: You won’t receive a notification when a line item is dropped from a policy. Currently, the age category maximum is 200 years. If dwellings older than 190 years are insured, consider funding a feature to increase the age category maximum.

Using the Age category, you can explicitly set a default. When an agent or staff member builds a new policy, BriteCore selects the default value.

If you don’t identify a default value, the category will default to the first option in the list. The default option takes precedence over the Blank Category Default setting, which you can find in Settings > Modules > Lines > Options.

Zip Code

The Zip Code category is for specifically pulling the ZIP codes associated with locations in Settings > System Wide > Business Locations.

Limit of Selected Item

The Limit of Selected Item category is used specifically to reference a line item’s limit.

Important: Due to potential intuition issues when using this category type, use it only when absolutely necessary. When possible, reference limits with evaluations instead.

Location Code

The Location Code category is for specifically referencing counties and county specifications defined in Settings > System Wide > Business Locations. When a user enters a risk address on a policy, the county and, if applicable, county specification values automatically pull into the policy rating.

Credit Tier

After retrieving a credit score via a vendor integration, the Credit Tier category pulls customizable credit tier information from the Label area in Settings > Vendors > ISO Credit Scoring or LexisNexis Credit Scoring.

Deductible

The Deductible category specifically references a line item’s deductible.

Important: Due to potential intuition issues when using this category type, use it only when absolutely necessary. When possible, reference limits with evaluations instead.

Years Since Last Claim Made

The Years Since Last Claim Made category defines how far into the past a claim should be referenced. If no claim exists, the category defaults to Not Applicable.

Number of Claims

The Number of Claims category defines how many filed claims should be referenced.

Mapped Categories

The Mapped category replaces lookups.

Hands-on table

In a hands-on table, you can create a Mapped category based on a Standard category item.

Note that when you:

  • Combine Categories, it produces the Cartesian product of the combined Categories.
  • Select a Mapped category, you’re specifying when that one will happen, which is why you can select only one at a time.
  • Create Mapped Categories, you aren’t limited to a one-to-one map or one Standard to a map. You can chain Mapped Categories together:
    • Mapped categories can be based off of another mapped category, other standards, etc.
    • BriteCore always keeps track of how the dependencies work together and disables/enables options accordingly.
  • Choose to delete a category, you must first remove any Categories dependent on the category you want to delete.

Referenced Categories

A Referenced Category replaces synchronized Categories.

Hands-on table

In a hands-on table, you can:

  • Can reference a standard or a mapped category
  • Can create a map off of a referenced category

Don’t forget:

  • If you add a referenced item to a policy in Builder, it automatically adds the line item it references.
  • Dependency loops aren’t a factor because a Reference Category can’t bring in other reference Categories. BriteCore automatically enables/disables options to prevent this.

Category Settings

Dec Order

By default, the category order in the Declaration’s Rating Information section is based on the order they’re built in the Lines module. However, you can overwrite the default by explicitly defining the order.

Hide/Show/Disable in BriteQuote

You can control how agents can view or interact with categories by using the Hide, Show, or Disable options:

  • Hide: Agents can’t see the category on the screen.
  • Show: Agents can see and update the category.
  • Disable: Agents can see the category but can’t update it.

Hiding and disabling a category isn’t compatible with the Blank Category Default option in Settings > Modules > Lines > Options. When both settings are enabled, BriteCore defaults category dropdowns to None Selected, which prevents the agent from rating the policy.

Print on Declaration

The Print on Declaration option determines whether the category and its selected value appear in the Rating Information section of the Declaration. If this option is unchecked, then the Dec Order setting above isn’t needed.

Category is Selected by a Lookup

The Category is Selected by a Lookup option allows a category to be broken into smaller pieces for reference.

Synchronize this Category Value Across Line Items

The Synchronize this Category Value Across Line Items option allows the reuse of the category across line items where the value updates on all associated items when changed.

Message Popup for Builder

The Message Popup for Builder option creates a selectable icon on the screen and displays information typed into the text input box.

Note: In the database, you can add or change pop-up messages without uncommitting policies referencing the line of business.

Blank Category Default

Blank Category Default is a global setting located in Settings > Modules > Lines > Options. When checked, the setting defaults all category dropdowns to None Selected with the exclusion of Premium Basis, Deductibles, and Limits. A category with None Selected prevents the rating of a policy. Using None Selected is a way to ensure an agent answers a category question.

Important: BriteCore recommends you don’t use Blank Category Default, as it restricts flexibility in configuring lines of business. For the most flexibility, use None Selected as a default category option when building categories.

Renewal Functionality

If a category is set to NULL when a policy renews, the category automatically updates to the defaults selected for the line of business.