Entities and Relationships

Entities are people (a dog owner) or businesses (the bank providing your mortgage) that have a specific relationship to a given Quote or Policy.

Defining the Relationship

quote_entity_relationship (QER)

The specific type of relationship that Entities have to the Quote is defined by the QER. That relationship remains constant as a Quote transitions into a Policy.

policy_entity_relationship (PER)

The specific type of relationship that Entities have to the Policy is defined by the PER. That relationship remains constant as a Quote transitions into a Policy.

Types of Entities

The types of Entities you may encounter are below. Each of these is a type of PER or QER. Keep in mind that not all Entity types are relevant for each product. For example, there is no additional_interest available for a Pet Policy.

primary_named_insured

This is the main Entity that the coverage protects. For example, The primary_named_insured on a Pet Insurance Policy would be the covered pet’s owner and is the individual that applies for and pays for the Coverage under the Policy. Regardless of the Product(s) you are selling the primary_named_insured is a required field.

additional_insured

An Entity that is covered in addition to, but under the same Policy as, the primary_named_insured. In the case of a personal auto insurance policy, the additional_insured might be the primary_named_insured’s modestly irresponsible dependent. Sometimes adding an Additional Insured may require the primary_named_insured to pay more for the Coverage. Other times it may not.

additional_interest

This is an Entity which has the right to receive information regarding any updates to a policy but has no actual coverage rights. An example of this might be the bank that financed someone’s mortgage and therefore has a vested interest in that home being insured.


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