A line item is an individual item on a policy. Each line item has a Setup, Rating (if the line item has a limit or rate), and Supplemental Questions section. This page covers the Setup portion of a line item.

Core Concepts

Types of Line Items

Coverage

  • Coverage A
  • Coverage B
  • Equipment Breakdown
  • Spoilage

Adjustment

An endorsement that alters premium. If a policy type is eligible for a discount or a surcharge, an adjustment can be used:

  • Solid Fuel Surcharge
  • New Home Discount
  • Central Fire Credit
  • Accessibility Surcharge
  • Roof Surcharge
  • Swimming Pool Surcharge
  • Minimum Premium Adjustment

Non-Rate

A non-premium-bearing endorsement or exclusion that does not require limits or a rate but may need to appear on a deliverable, specifically the Declaration:

  • Underwriting Questionnaire for Quoting
  • Additional Insured
  • Cosmetic Damage to Metal Exclusion
  • Fungi/Mold Limited Coverage

Fee

Any item with a dollar amount to be reported as a fee:

  • Policy Fee
  • New York State Fire Fee

Calculation

A tool to calculate complex, multi-step rates that must be reported separately. Typically these items are not displayed on the Declaration; however, they can be displayed if desired:

  • Coverage A Fire Premium
  • Coverage A EC Premium

Dividend

Used for the specific case where BriteCore must reference the premium from the previous policy term in order to calculate an insured's dividend.

Options for Line Items

Each line item type above has a variety of settings that dictate how, when, and where the line item behaves and appears, which is summarized in the below table.

Setting Coverage Adjustment Non-Rate Fee Calculation Dividend
Line item has a limit
Allows a limit to be defined
Available Available Available Available Available Unavailable
Line item has a rate or a deductible
Allows a rate, rate chain or deductible to be defined
Available Available Unavailable Available Available Unavailable
Item is a factor of the previous term's premium
Allows reference of a previous term's premium
Unavailable Unavailable Unavailable Unavailable Unavailable Available
Allow mortgagee/loss payee to be attached to this line item
Allows for a loss payee to be attached to a specific line item
Available Available Available Available Available Available
Line item is mandatory for this policy type
The line item is automatically available and cannot be removed
Available Available Available Available Available Available
Allow multiples of this item
Allows a line item to be added multiple times
Available Available Available Available Unavailable Unavailable
Line item is reported under a loss exposure group
Allows line items to be grouped for reporting (e.g. reinsurance)
Available Available Available Available Unavailable Unavailable
Premium/fee is fully earned/collected at inception and is non-refundable
The item bills for the entire amount and will not be pro-rated if the policy cancels flat or mid-term
Available Available Available Available Unavailable Unavailable
Premium/fee is fully billed/collected at inception and can be returned pro-rata
The item bills for the entire amount but will be pro-rated if the policy cancels mid-term
Available Available Available Available Available Unavailable
Line item overrides another line item's limit (Example: Replacement cost contents increases Coverage C limit)
Allows limit of this line item to replace the limit of another item
Available Available Available Available Unavailable Unavailable
Line item's premium is added to another line item's premium (Available after all other line item adjustments and premium calculations)
Allows for combining premiums. Used in place of calculation line items.
Unavailable Available Unavailable Unavailable Unavailable Unavailable
Line item modifies another line item's requested limit at renewal (Example: Inflation guard)
The item can modify another item's limit by a factor. An extension is the ability to define the factor by zip code.
Available Available Available Available Unavailable Unavailable
This line item applies if...
Allows for claims free surcharges/discounts/experience rating
Available Available Available Available Unavailable Unavailable
Only Available For:
Limits a line item to New or Renewal business. For example, Inflation Guard applies to renewals only.
Available Available Available Available Unavailable Unavailable
Display on Declaration as:
In Settings > Deliverables > Declaration > Declaration Section you can create various sections. Once the sections are created, you can then designate to which Declaration section the line item applies.
Available Available Available Available Available Unavailable
Do not display under Rating Information on the Declaration
Declarations have a Rating Information section where category and supplemental question information is displayed. This setting will hide the information from that section.
Available Available Available Available Available Unavailable
Show in Builder
Allows line item to display in BriteCore and/or BriteQuote
Available Available Available Available Available Available
Do not display on Declaration when premium equals $0
Allows the hiding of a line item on the Declaration if its premium is $0
Available Available Available Available Available Unavailable
Display the premium as "Incl" on the Declaration when premium equals $0
On the Declaration, the premium will show "Incl" indicating that the premium of the line item is included in the premium of the policy
Available Available Available Available Unavailable Unavailable
Line item is not rated pro-rata or by term factor
Specifically for calculation line items so they are not affected by cancellations and terms
Available Available Available Available Available Available
No commission is paid on this line item
No commission is calculated on the written or paid premium for the line item
Available Available Available Available Available Available
Show limit and premium under Rating Information on the Declaration
Specifically indicates to show the limit and premium under the Rating Information of the Declaration
Available Available Available Available Available Unavailable
Do not trigger Persistent Builder when added mandatorily
Persistent Builder is a tool used to reconcile line items across effective dates. This setting allows users to add a new line item to a policy without triggering this tool.
Available Available Available Available Available Unavailable
Pro-rate fee in Builder (for use on items that don't reference pro-rata premium in rate calculation).
Available Available Available Available Available Unavailable
Line item not available in BriteQuote
Makes the line item unselectable by agents in BriteQuote
Available Available Available Available Available Available
Disallow "Submit Bound" if this item is applied to an application
If the line item is added to an application, it must be submitted unbound
Available Available Available Available Available Unavailable
Disallow "Submit Bound" if limit exceeds
If you allow bound application submission, this allows you to define the limit above which an application must be submitted unbound
Available Available Available Available Available Unavailable

The next table below provides an example of how the option can be used along with where it exists in the database.

Setting Example MySQL
Line item has a limit Any Coverage A policy_type_items.hasLimit
Line item has a rate and/or a deductible Any Coverage A policy_type_items.hasRate
This item is a factor of the previous term's premium FMG's deductible line item policy_type_items.dividendFactor
Allow mortgagee/loss payee to be attached to this line item Coverages E and F items in HFM's Farm Property LOB property_items.builderObj where the object contains lossPayees
Line item is mandatory for this policy type Any Coverage A policy_type_items.mandatory
Allow multiples of this item Coverage E on a HFM's Farm Property LOB policy_type_items.allowMultiples
Line item is reported under a loss exposure group HFM has a reinsurance contract where they cannot write over $1.5M in property coverage for a single location. Using Loss Exposure Groups, HFM can identify which items they would like to group for a given location. See HFM policy FO602393. policy_type_items.lossExposure for setup, then revision_items.lossExposureGroup and property_items.lossExposureGroup for the value
Premium/fee is fully earned/collected at inception and is non-refundable HFM's Homeowners Policy Fee line item policy_type_items.fullyEarned
Premium/fee is fully billed/collected at inception and can be returned pro-rata FMG's tax line items policy_type_items.fullyBilled
Line item overrides another line item's limit (Example: Replacement cost contents increases Coverage C limit) HFM's Personal Property Replacement Cost line item in their FO line policy_type_items.overrideLimit
Line item's premium is added to another line item's premium (Available after all other line item adjustments and premium calculations) Rarely used. This was requested by FCM as they did not want to use calculation line items. policy_type_items.combinePremium
Line item modifies another line item's requested limit at renewal (Example: Inflation guard) HFM's or FCM's Inflation Guard policy_type_items.renewalModify policy_type_items.renewalSplitBy policy_type_items.renewalFactor policy_type_items.renewalZipFactors
This line item applies if... AFMIC's Claim Surcharge, Claims Free Discount and Customer Performance Rating line items in their Homeowners Preferred LOB policy_type_items.lossFreeCredit
Only Available For: Various sites policy_type_items.limitAvailability
Display on Declaration as: BFMIC's Declaration for Agri-Pak policy_type_items.displayOnDecAs
Do not display under Rating Information on the Declaration BFMIC's Solid Fuel Heating Charges or AFR's Inflation Guard policy_type_items.doNotDisplayInRatingInformation
Show in Builder This is typically used for calculation line items as they should not be shown in Builder policy_type_items.showInBuilder
Do not display on Declaration when premium equals $0 HFM's New Home Credit. If there is no credit then a carrier doesn't want to show the credit on the Declaration. policy_type_items.doNotDisplayWhenZero
Display the premium as "Incl" on the Declaration when premium equals $0 Typically the premium for Coverages A, B, C and D are wrapped up into Coverage A. As such, Coverages B, C, and D don't have individual premiums; rather, their premium is included in the Coverage A premium. policy_type_items.displayPremiumAsIncl
Line item is not rated pro-rata or by term factor Default setting for calculation line items policy_type_items.excludedProrataAndFactor
No commission is paid on this line item Used for fees and calculation line items policy_type_items.noCommissionPaidOnLineItem
Show limit and premium under Rating Information on the Declaration Various sites policy_type_items.showLimitAndPremiumOnDec
Do not trigger Persistent Builder when added mandatorily MMIC added an Identify Recovery option that they wanted added mandatorily and without PB policy_type_items.skipPBOnMandatoryAdd
Pro-rate fee in Builder (for use on items that don't reference pro-rata premium in rate calculation) CFM's Policyholder Loss Protection policy_type_items.proRateFee
Line item not available in BriteQuote IRPM is for underwriter use only policy_type_items.hideInBriteQuote
Disallow "Submit Bound" if this item is applied to an application If an applicant has a claims history, submit unbound policy_type_items.disallowSubmitBound
Disallow "Submit Bound" if limit exceeds HFM requires any Coverage L limits above a certain amount (generally, 500,000) to be submitted unbound policy_type_items.submitBoundLimit policy_type_items.submitBoundLimitUpper

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