Business locations provide flexibility over where you write business.

Key Decision

Are there any counties or zip codes in which you do not write business?
Do you write in Canada?


BriteCore Setup

Database

Geography Database

Sites may reference DSTK or the Google Maps API via geopy. As Google's free plan limits requests to 2,500 per day across the BriteCore client base, all clients but Virginia clients use DSTK.

DSTK

Verify DSTK is enabled, which references http://dstk.britecorepro.com. To enable, run

#UPDATE settings SET value='dstk' WHERE option= 'geography-provider'

Google Maps API

Engineers may read PR 4615 and PR 4822 for more information. To enable Google Maps, run

#UPDATE settings SET value='google' WHERE option= 'geography-provider'

Sites can lookup addresses using Google Maps without an API key; however, without a key Google will limit the number of requests to 2,500 across all clients. Contact Google for pricing and to purchase a key. Once purchased, insert the key into the below update statement, and run

#UPDATE settings SET value='api key' WHERE option= 'google-map-api-key'

Add Canadian Locations

Request IWS run canadian-business.sql within /srv/www/britecore/db.

Define Your Business Locations

  1. Navigate to Settings > System Wide > Business Locations
  2. Click Add a New State or Province
  3. Select the applicable state or Canadian province
  4. Click + Add a County Manually
  5. Enter the County Name and County FIPS Code
  6. Click Add County
  7. Repeat until all counties have been added
    Users will be unable to enter zip codes associated with a county that does not exist in the county list

Break Counties into Smaller Areas

See the Break Counties into Smaller Ratable Subdivisions how-to below.

Restrict Writing by Zip Code

Risk addresses can be restricted by zip code and approved on a case-by-case basis. Restricted zip codes are stored in the restricted_zip_codes table; individual addresses that are approved are stored in the restricted_zip_code_override table.

Clients

Provide the following information to IWS:

  • A list of zip codes within which you will not write business
  • A message users see when clicking the i for more information
  • An override prompt visible to internal staff only
  • An override code that allows the policy to be assessed with the approved risk address

IWS-Only

Add Restricted Zip Codes

  1. Open the client's database
  2. Navigate to business_locations
  3. Locate the state name
  4. Copy the business_locations.id for the state
  5. Paste the business_locations.id as the location.id, update the zip code, and then run
    INSERT INTO restricted_zip_codes (id, locationId, zipCode)   
      VALUES   
      (uuid(), '339ff8a3-8c0e-11de-b1cc-000c2976c0ee','27006')
  6. Rerun the insert statement for each restricted zip code

Add the Message Users See When Clicking the "i" for More Information

Update the message, and then run

#UPDATE settings SET value='message here' WHERE option='address-approval-info'

Add an Override Prompt Visible to Internal Staff Only

Update the prompt, and then run

#UPDATE settings SET value='prompt here' WHERE option='address-approval-prompt'

Add an Override Code that Allows the Policy to be Assessed with the Approved Risk Address

Update the code, and then run

#UPDATE settings SET value='code here' WHERE option='address-approval-code'


How-Tos

Edit a County Prior to Live
Add a City or County to a Zip Code
Break Counties into Smaller Ratable Subdivisions
Make Changes After Your Site is Live
Virginia Writers

Edit a County Prior to Live

  1. Click the state name
  2. Within the state, click Edit or Add Counties
  3. Click + Add a County Manually
  4. Read the county but with the corrected information
  5. Click Add County
  6. Uncheck the unwanted county
  7. Click Save Changes

Add a City or County to a Zip Code

From the Screen

  1. Click Support Tools in the footer under BriteCore Resources
  2. Click Add A Location To A Zipcode
  3. Select Type of Location
    Add a City and County requires both a city and county. Add a County requires only a county.
  4. Fill in required fields

From the Database

The following insert statement can be used to set or replace an override:

INSERT INTO geography_overrides (id, zipCode, cities, counties, state)
VALUES
(uuid(), '23505', NULL, '["Norfolk (city)"]', 'VA'),
(uuid(), '22032', NULL, '["Fairfax (city)"]', 'VA');

Break Counties into Smaller Ratable Subdivisions

  1. Navigate to Settings > System Wide > Business Locations
  2. Locate the county that should be subdivided
  3. Click Edit or Add Counties
  4. Scroll down to the County Specifications section
  5. Click + Add a County Specification
  6. Enter a name for the specification
  7. Select the county to which the specification applies
  8. Repeat until all specifications have been added
  9. Click Save Changes

Example

Brunswick county should be divided into two different ratable sections: Beach Area and Non-Beach Area. In this case, create one specification with a name similar to Brunswick - Beach Area and a second with a name similar to Brunswick - Non Beach Area. Doing so will help users easily identify county specifications.

Make Changes After Your Site Is Live

Remove a State

  1. Navigate to Settings > System Wide > Business Locations
  2. Locate the state in question
  3. Click Edit or Add Counties of the appropriate state
  4. Click Remove Location
    All defined counties and county specifications in that state will be removed

Remove a County

  1. Non-renew all policies within the county
  2. Navigate to Settings > System Wide > Business Locations
  3. Locate the state in question
  4. Click Edit or Add Counties of the appropriate state
  5. Uncheck the box next to the approprate count(ies). If the county has specifications, delete those as well
  6. Click Save Changes

Important notes

  • If a deleted county is associated with any policies, you will not receive a warning
  • Until a policy's removed county is updated to a new county, you will receive a warning when accessing the policy
  • Once a county is removed, users will be unable to enter zip codes associated with the removed county

Add a County or County Specification

See the BriteCore Setup section above.

Important notes

  • If you use rate based upon counties, you will need to update the county's rates in Lines > Rating > Categories > Location Code
  • Counties are not versioned by effective date. As such, the county will be immediately available to all users and policies

Virginia Writers

VA has a handful of cities that are completely independent from counties. BriteCore doesn't explicitly handle this use case. Below is the current procedure for addressing this case:

  1. Enter all counties into Settings > System Wide > Business Locations
  2. Enter independent cities using the format Staunton (city) into Settings > System Wide > Business Locations
  3. Make every known zip code for the independent cities a geography_override

When entering a zip code on a risk, the appropriate county will still show; however, so will the override city. For example, 22401 will show Augusta county and the Staunton (city) override.
When a zip code is added to an independent city, update the databases of all VA writers.


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