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name: insurance-domain description: "Use when modifying domain/models/, domain/services/, adaptor/llm/, or any business logic involving insurance terms, coverages, or risk rules. Also use when adding new fields, endorsements, or coverage types."

Insurance Domain Knowledge (ACORD-Based)

ACORD (Association for Cooperation in Operations Research and Development) defines the insurance industry's data standards. This project covers Personal Lines — Auto (ACORD 90) and Homeowners (ACORD 80).

Core Terminology

Term	Definition	ACORD Context
Renewal	Policy renewal. Comparing Prior vs Renewal is the core workflow	ACORD 80/90 Status: Renew
Endorsement	Mid-term policy change or rider. Expands/restricts coverage scope	ACORD 70 (HO), 71 (Auto): change type A/C/D
Premium	Insurance premium. Rate of change at renewal is the primary risk indicator	ACORD WrittenAmt
Deductible	Amount the insured pays first before a claim is covered	ACORD DeductibleAmt
Liability Limit	Liability cap. A protected field that must never be auto-reduced	ACORD BI, PD, Coverage E
Coverage Dropped	Coverage item removed. Flagged when True→False or amount decreases	DiffFlag.COVERAGE_DROPPED
Material Change	A change with substantial impact on coverage scope	LLM endorsement_comparison target
Risk Signal	Risk factors extracted from renewal notes (claims history, property condition, etc.)	LLM risk_signal_extractor output
Bundle	Auto + Home package for the same customer. Discount eligible; risk when unbundled	Core concept in Portfolio analysis
SR-22	High-risk driver certificate. Minimum insurance proof required by the state	ACORD Driver field

Coverage Types (ACORD Code Mapping)

Auto Coverages

ACORD Code	Name	Current Model Field	Notes
BI	Bodily Injury	bodily_injury_limit	split limit "100/300"
PD	Property Damage	property_damage_limit
COLL	Collision	collision_deductible
COMP	Comprehensive	comprehensive_deductible
UM	Uninsured Motorist	uninsured_motorist
MEDPM	Medical Payments	medical_payments
TL	Towing/Roadside	roadside_assistance	bool only — ACORD uses amount
RENTAL	Rental Reimbursement	rental_reimbursement	bool only — ACORD uses daily/max limit
UNDUM	Underinsured Motorist	not implemented	separate from UM, required in many states
PIP	Personal Injury Protection	not implemented	required in no-fault states
UMPD	UM Property Damage	not implemented	separate coverage in some states

Home Coverages

ACORD Code	Name	Current Model Field	Notes
DWELL	Coverage A (Dwelling)	coverage_a_dwelling	protected field
OTSTR	Coverage B (Other Structures)	coverage_b_other_structures	typically 10% of A
PP	Coverage C (Personal Property)	coverage_c_personal_property
ALE	Coverage D (Loss of Use)	coverage_d_loss_of_use
PL	Coverage E (Liability)	coverage_e_liability	protected field
MEDPM	Coverage F (Medical)	coverage_f_medical
WIND	Wind/Hail	wind_hail_deductible	deductible only
—	Water Backup	water_backup	bool only — ACORD uses limit amount
EQ	Earthquake	not implemented	near-mandatory in CA/WA/OR
FLOOD	Flood	not implemented	separate NFIP policy

ACORD Gap Analysis — Known Limitations of Current Models

High Priority (Directly impacts renewal review)

1. UIM/PIP/UMPD not implemented — Cannot compare state-required coverages
2. No amounts on boolean coverages — Cannot compare limits for rental($30/day), roadside($75/occ), water_backup($5K), etc.
3. No Loss History — ACORD 80/90 Prior Loss section. Key factor in renewal premium determination
4. No HO Form Type — HO-3(broad), HO-5(open), HO-6(condo), etc. Fundamentally different coverage scopes
5. No Territory Code — Basic variable in premium calculation

Medium Priority (Improves analysis precision)

6. Driver DOB — ACORD standard uses DOB instead of age. Enables exact age calculation
7. Vehicle annual mileage — EstimatedAnnualDistance. Major premium factor
8. Driver relationship/marital status — RelationshipToInsured, MaritalStatus. Discount factors
9. Endorsement limit/deductible — Cannot compare endorsement coverage limits
10. Prior Carrier — ACORD 80 Prior Coverage section. Renewal context

Protected Fields — Never auto-modify

Per ACORD standards, reducing these fields carries legal/contractual risk:

• bodily_injury_limit — Bodily injury liability limit
• property_damage_limit — Property damage liability limit
• uninsured_motorist — Uninsured motorist coverage
• coverage_a_dwelling — Dwelling reconstruction cost
• coverage_e_liability — Personal liability

Endorsement Form System

ACORD uses a Form Number system rather than a single code list:

• Auto: PP series (PP 03 06, PP 03 22, PP 03 23, etc.)
• Home: HO series (HO 04 10, HO 04 61, HO 04 90, HO 04 95, etc.)
• Change Request: ACORD 70 (HO), ACORD 71 (Auto) — type A(Add)/C(Change)/D(Delete)

Currently Endorsement.code is free text. Validation can be added when ISO/AAIS form number mapping is implemented.

Application Rules

1. When adding new coverage fields: Reference the ACORD code mapping tables above for naming
2. When adding DiffFlags: Consider the industry importance of the coverage (liability types → URGENT)
3. When modifying LLM prompts: Verify the exact meaning of insurance terms before use
4. When adding Quote strategies: Re-verify the protected fields list. Protected fields cannot be changed in any strategy