Insurance Policy Administration System

Total Policies

1,247

Across all lines

▲ +43 this month

Written Premium

$4.2M

YTD annualized

▲ +8.3% vs prior yr

Loss Ratio

58%

Incurred / Earned

▼ -3pts improvement

Avg Policy Age

3.2 yrs

Retention indicator

→ Stable

Monthly Premium Written (12 Months)

Line of Business Distribution

Auto35%

Property28%

Gen. Liability22%

Workers Comp15%

Recent Policies

Policy Number	Insured Name	Line of Business	Effective Date	Premium	Status
POL-2024-008821	Apex Manufacturing LLC	General Liability	2024-01-01	$18,450	Active
POL-2024-008820	Sunrise Retail Group	Property	2024-01-15	$42,200	Active
POL-2024-008819	Metro Transit Corp	Auto	2024-01-15	$67,800	Pending
POL-2024-008818	Blue Ridge Contractors	Workers Comp	2023-12-01	$29,300	Active
POL-2024-008817	Pacific Foods Inc.	Property	2023-11-15	$88,500	Active
POL-2024-008816	Urban Logistics Co.	Auto	2023-11-01	$51,200	Cancelled
POL-2024-008815	Harbor Medical Group	General Liability	2023-10-01	$24,700	Active
POL-2024-008814	Summit Tech Solutions	Workers Comp	2023-10-15	$15,900	Pending

Policy Information

Insured Name

Policy Number

Line of Business

State

Effective Date

Expiration Date

Coverage Builder

Export Preview

Rating Algorithm Flowchart

1. Retrieve Policy Risk Characteristics

2. Assign Territory Factor

3. Lookup Class Code / SIC Factor

4. Apply Coverage Limit Factor

5. Apply Deductible Credit

6. Apply Experience Modification

7. Compute Final Indicated Premium

Algorithm: P = BaseRate × TerritoryFactor × ClassFactor × LimitFactor × DeductibleCredit × ExpMod
Time complexity: O(n) per coverage line — O(n·m) for multi-line accounts.
Bureau filings: ISO CGL, CA, CP rating manuals. State-specific deviations stored per jurisdiction table.

Live Rate Calculator

LOB

State

Limit ($K)

Deductible ($)

Payroll / Revenue ($K)

Exp. Mod

Territory Factors

State	Territory Factor
California (CA)	1.35
New York (NY)	1.42
Florida (FL)	1.28
Texas (TX)	1.15
Illinois (IL)	1.18
Pennsylvania (PA)	1.12
Ohio (OH)	1.05
Michigan (MI)	1.08
Georgia (GA)	1.10
All Other States	1.00

Class Code (SIC) Factors

SIC Code	Description	Factor
2000	Food Manufacturing	1.15
3490	Metal Services	1.38
4213	Trucking (Long Haul)	1.72
5411	Grocery Stores	1.08
6411	Insurance Agents	0.85
7372	Software Services	0.90
8011	Medical Offices	1.22
8742	Management Consulting	0.88

Deductible Credit Schedule

Deductible	Credit %
$0	0.0%
$500	3.5%
$1,000	6.0%
$2,500	10.5%
$5,000	15.0%
$10,000	21.0%
$25,000	28.0%
$50,000	34.0%

ISO / ACORD Bureau Forms Management

Forms Library

Form Number	Description	Edition	LOB
CG 00 01	Commercial General Liability	12 19	GL
CA 00 01	Business Auto Coverage Form	10 13	Auto
CP 00 10	Building and Personal Property	10 12	Property
WC 00 00 00	Workers Compensation and EL	01 15	WC
CP 00 30	Business Income (and Extra Expense)	10 12	Property
CG 20 10	Additional Insured – Scheduled	07 04	GL
IL 00 03	Calculation of Premium	07 02	All
CA 20 01	Hired Auto – Specified as Covered	10 13	Auto
CP 10 30	Causes of Loss – Special Form	10 12	Property
ACORD 130	Commercial Lines Application	01/2015	All

ⓘ Click a row to preview form schema

Form Preview — Select a form

Click a form in the library to preview its XML schema.

Edition Diff Viewer

▼ Previous Edition (04 13)
<CoverageLimit>1000000</CoverageLimit>
<AggregateLimit>2000000</AggregateLimit>
<MedicalExpense>5000</MedicalExpense>
<PersonalInjury>excluded</PersonalInjury>
<ProductsCompletedOps>included</ProductsCompletedOps>
<PremisesOps>included</PremisesOps>
<FireDamage>100000</FireDamage>
</CoverageSection>

▲ Current Edition (12 19)
<CoverageLimit>1000000</CoverageLimit>
<AggregateLimit>3000000</AggregateLimit>
<MedicalExpense>5000</MedicalExpense>
<PersonalInjury>included</PersonalInjury>
<ProductsCompletedOps>included</ProductsCompletedOps>
<PremisesOps>included</PremisesOps>
<FireDamage>300000</FireDamage>
</CoverageSection>

Clean Architecture — Dependency Diagram

Presentation Layer
Infrastructure Layer
Application Layer
Domain
Layer
(Entities & Rules)

Presentation: React/TypeScript, Razor Pages

Infrastructure: EF Core, Service Bus, Blob

Application: CQRS, MediatR, FluentValidation

Domain: Policy, Coverage, Premium aggregates

Technology Stack

⌨

C# / .NET 8

LTS — Primary backend

🌐

ASP.NET Core

Web API + Minimal API

📈

Entity Framework Core

v8 — SQL Server

⚡

Azure Service Bus

Premium tier messaging

⚙

React + TypeScript

v18 — SPA frontend

🔒

Azure AD B2C

OAuth 2.0 / OIDC

📊

Application Insights

APM + distributed tracing

🚀

Azure Kubernetes

AKS — Container orchestration

📄

Azure Blob Storage

Document management

SOLID Principles — Insurance Domain Examples

Single Responsibility Principle

Each class has one reason to change. PremiumCalculator only calculates; PolicyRepository only persists.

class PremiumCalculator { Calculate(policy: Policy): Money { ... } } class PolicyRepository { Save(policy: Policy): void { ... } }

Open/Closed Principle

Rating algorithms open for extension via strategy, closed for modification.

interface IRatingStrategy { Rate(risk: RiskProfile): Premium; } class GLRatingStrategy : IRatingStrategy { } class AutoRatingStrategy : IRatingStrategy { }

Liskov Substitution Principle

CommercialPolicy and PersonalPolicy are substitutable wherever Policy is expected.

abstract class Policy { abstract CalculatePremium(): Money; } class CommercialPolicy : Policy { } class PersonalPolicy : Policy { }

Interface Segregation Principle

Clients only depend on interfaces they use. Forms don't need rating interfaces.

interface IWritable { Write(): void; } interface IRatable { Rate(): Money; } interface IIssuable { Issue(): Policy; } // WC policy only implements needed ones

Dependency Inversion Principle

High-level PolicyService depends on IFormSerializer abstraction, not concrete AcordXmlSerializer. Injection via constructor.

class PolicyService { constructor(private serializer: IFormSerializer, private rater: IRatingStrategy, private repo: IPolicyRepository) { } }

Design Patterns in PolicyCore

⚡ Strategy Pattern

Each LOB implements IRatingStrategy. The rating engine selects the correct strategy at runtime based on the policy type, enabling seamless addition of new LOBs without changing existing logic.

RatingEngine.Rate(policy) → strategy.Calculate(risk)

🏭 Factory Pattern

PolicyFactory.Create(lob, state) returns the correct policy aggregate with pre-configured coverages, default limits, and mandatory endorsements per jurisdiction.

PolicyFactory.Create("GL","CA") → CommercialGLPolicy

📈 Repository Pattern

Abstracts EF Core persistence behind IPolicyRepository. Enables unit testing with in-memory fakes and future swap to Cosmos DB without domain changes.

IPolicyRepository → EfCorePolicyRepository

🔔 Observer / Domain Events

Domain events (PolicyIssued, PremiumChanged) dispatched via MediatR. Handlers trigger billing updates, document generation, and audit log entries independently.

PolicyIssued → [BillingHandler, DocGenHandler]