Lines overview

The Lines module provides a dynamic interface for administrators to set up coverages, including effective dates, business locations, line items, sublines, components, policy types, rate chains, and underwriting.  

Effective dates

Effective dates provide a chronological reference for managing versions of your coverages (line of business) and rates. Effective dates serve as a historical record of changes over time.

Business locations

Business locations determine where a client can write business. BriteCore currently supports locations in the United States and Canada. When setting up business locations, you can select states, counties, and specifications to divide counties into smaller, ratable units, such as beach and non-beach. 

Line items

Line items are individual items on a policy, which can be a coverage, endorsement, rider, or exclusion. Line items determine which coverage is or isn’t included in a policy. BriteCore currently has six types of line items: coverage, adjustment, non-rate, fee, calculation, and dividend.

Sublines

Sublines are collections of line items. You can use sublines to group coverages normally found together on a policy.

Components

Components are tools for building lines. There are three types of components: line item groups, deductible groups, and premium groups. 

Policy type

Policy type is a flexible term. It refers to either a line of business or a form within a line of business, depending upon your setup. Insurance agencies and agents may refer to a policy type as an insurance product or insurance package. 

Rate chains

Rate chains are the step-by-step order in which the rate of a line item is calculated. Rate chains include tools to help users build and configure their product offerings (lines and policy types).

Supplemental questions

Supplemental questions to capture additional information: underwriting questions, item descriptions, and schedules.

Underwriting rules

Underwriting rules use triggers, effects, and logic to add or remove line items or category options when a user selects a specified option while building a policy.

Forms

You can upload forms and other documents to policy types or line items and choose when, where, and how they appear on a policy.