Coverage

Represents a specific insurance coverage, benefit, rider, protection, limit, or contractual insurance benefit.

Coverage is one universal object. It defines what protection exists, how much protection exists, what terms apply, and what risk or party the protection applies to. Changing financial values belong on PolicySnapshot.

Identity

Use the standardized coverage_type when one exists. Preserve carrier terminology with carrier_coverage_code and carrier_coverage_name. Do not use other merely because a carrier uses a proprietary marketing name.

Field	Type	Required	Description
`coverage_id`	string	Yes	Unique identifier for the Coverage
`line_of_business`	enum	Yes	Insurance line associated with the Coverage Allowed: life, annuity, long_term_care, disability, personal_auto, property, personal_umbrella, commercial, other
`line_of_business_description`	string	Yes*	Custom value when line_of_business is other. Required when line_of_business is other. MUST NOT be set otherwise.
`coverage_type`	string	Yes	Standardized Fat Agent coverage classification. MUST be valid for the selected line_of_business.
`coverage_type_description`	string	Yes*	Custom value when coverage_type is other. Required when coverage_type is other. MUST NOT be set otherwise.
`coverage_name`	string	No	Human-readable standardized coverage name
`carrier_coverage_code`	string	No	Carrier's coverage or rider code
`carrier_coverage_name`	string	No	Carrier's actual coverage or rider name

Status / Dates

Field	Type	Required	Description
`status`	enum	No	Current status of the Coverage Allowed: pending, active, cancelled, expired, suspended, terminated, declined, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`effective_date`	string (date)	No	Date Coverage becomes effective
`expiration_date`	string (date)	No	Date Coverage expires or terminates

Limits

Coverage supports a single limit, split per-person and per-occurrence limits, and an aggregate limit.

Field	Type	Required	Description
`limit`	number	No	Single applicable coverage limit
`per_person_limit`	number	No	Maximum payable per person
`per_occurrence_limit`	number	No	Maximum payable per occurrence
`aggregate_limit`	number	No	Maximum aggregate coverage limit

Deductibles

percentage_deductible uses percentage-point values. 2 means 2%.

Field	Type	Required	Description
`deductible`	number	No	Monetary deductible
`percentage_deductible`	number	No	Percentage-based deductible

Benefits

Benefit structures used by life, annuity, long-term care, disability, and similar products.

Field	Type	Required	Description
`benefit_amount`	number	No	Monetary benefit amount
`benefit_percentage`	number	No	Benefit expressed as a percentage-point value
`benefit_period`	string	No	Contractual benefit duration
`elimination_period_days`	integer	No	Days before benefits become payable
`waiting_period_days`	integer	No	Applicable contractual waiting period

Applies To

applies_to identifies the Policy, Person, Organization, Vehicle, Property, or other target this Coverage protects. Reference those objects by ID. One Coverage MAY apply to multiple targets.

Field Type Required Description

Field	Type	Required	Description
`target_type`	enum	Yes	Type of Standard object the Coverage applies to Allowed: policy, person, organization, vehicle, property, other
`target_type_description`	string	Yes*	Custom value when target_type is other. Required when target_type is other. MUST NOT be set otherwise.
`target_id`	string	Yes	ID of the Standard object the Coverage applies to

target_type

enum

Yes

Type of Standard object the Coverage applies to

Allowed: policy, person, organization, vehicle, property, other

target_type_description

string

Yes*

Custom value when target_type is other. Required when target_type is other. MUST NOT be set otherwise.

target_id

string

Yes

ID of the Standard object the Coverage applies to

Premium

coverage_premium is the premium attributable to this Coverage only. It MUST NOT be assumed to equal total Policy premium. Omit it when the carrier does not provide a coverage-level premium.

Field	Type	Required	Description
`coverage_premium`	number	No	Premium attributable specifically to this Coverage

Terms

terms is an extension for genuine contractual attributes that are not represented by a standardized Coverage field. Do not put deductible, limit, or other defined fields here.

Field	Type	Required	Description
`name`	string	Yes	Name of the contractual term
`value`	string \| number \| boolean	Yes	Value of the term

Currency

currency is required when limit, per_person_limit, per_occurrence_limit, aggregate_limit, deductible, benefit_amount, or coverage_premium is supplied.

Field	Type	Required	Description
`currency`	string	No	ISO 4217 currency code

External References

external_references maps the Coverage to identifiers from carriers or other systems.

Field	Type	Required	Description
`system`	string	Yes	External system
`reference_id`	string	Yes	Identifier in the external system
`reference_type`	string	No	Type of reference

Coverage Types by Line of Business

coverage_type MUST be valid for the selected line_of_business. Health insurance and group insurance are outside Fat Agent Standard v1.0.

Line of Business	Allowed product_type
`life`	death_benefit, accidental_death_benefit, waiver_of_premium, waiver_of_monthly_deduction, chronic_illness, critical_illness, terminal_illness, long_term_care, child_term_rider, spouse_term_rider, term_rider, guaranteed_insurability, return_of_premium, paid_up_additions, overloan_protection, other
`annuity`	guaranteed_lifetime_income, income_rider, enhanced_income, death_benefit, enhanced_death_benefit, nursing_home_benefit, confinement_benefit, terminal_illness, withdrawal_benefit, premium_bonus, other
`long_term_care`	long_term_care_benefit, home_health_care, assisted_living, nursing_home, adult_day_care, respite_care, hospice_care, inflation_protection, shared_care, restoration_of_benefits, waiver_of_premium, return_of_premium, nonforfeiture, other
`disability`	disability_income, total_disability, partial_disability, residual_disability, own_occupation, presumptive_disability, catastrophic_disability, cost_of_living_adjustment, future_increase_option, return_of_premium, waiver_of_premium, other
`personal_auto`	bodily_injury_liability, property_damage_liability, combined_single_limit, uninsured_motorist_bodily_injury, underinsured_motorist_bodily_injury, uninsured_motorist_property_damage, medical_payments, personal_injury_protection, comprehensive, collision, rental_reimbursement, roadside_assistance, towing_labor, gap, custom_equipment, accidental_death, other
`property`	dwelling, other_structures, personal_property, loss_of_use, personal_liability, medical_payments_to_others, replacement_cost, extended_replacement_cost, guaranteed_replacement_cost, water_backup, service_line, equipment_breakdown, identity_theft, ordinance_or_law, scheduled_personal_property, flood, earthquake, wind_hail, other
`personal_umbrella`	excess_liability, uninsured_underinsured_motorist, other
`commercial`	general_liability, bodily_injury_liability, property_damage_liability, products_completed_operations, personal_advertising_injury, medical_payments, commercial_property, building, business_personal_property, business_income, extra_expense, equipment_breakdown, inland_marine, builders_risk, commercial_auto_liability, commercial_auto_physical_damage, hired_auto, non_owned_auto, uninsured_underinsured_motorist, workers_compensation, employers_liability, commercial_umbrella, excess_liability, professional_liability, errors_omissions, directors_officers, employment_practices_liability, cyber, data_breach, crime, employee_dishonesty, bonds, other
`other`	other

Validation Rules

coverage_id, line_of_business, and coverage_type MUST be supplied.
Fat Agent Standard uses one universal Coverage object. Do not create line-specific Coverage schemas.
When an enum value is other, the companion {field}_description field is required and MUST be a non-empty string. That companion field MUST NOT be set unless the enum value is other.
coverage_type MUST be valid for the selected line_of_business.
Use a standardized coverage_type when one exists. Preserve carrier names with carrier_coverage_code and carrier_coverage_name.
coverage_type other SHOULD only be used when no appropriate standardized type exists.
Coverage MAY apply to Policy, Person, Organization, Vehicle, Property, or other through applies_to[].
One Coverage MAY apply to multiple targets. Do not duplicate Coverage solely because it applies to more than one entity.
Limits, deductibles, riders, and contractual benefits belong in Coverage.
Changing Policy financial values belong in PolicySnapshot, not Coverage.
Changes to Coverage are represented through Endorsement.
PriorPolicy MAY reference Coverage through coverage_ids.
coverage_premium represents only the premium attributable to this Coverage.
terms[] is reserved for contractual attributes not represented by standardized Coverage fields.
currency MUST use ISO 4217 and is required when a monetary Coverage field is supplied.
Percentage values use percentage-point representation: 2 means 2%.
Dates MUST use ISO 8601 date format (YYYY-MM-DD).
Health insurance and group insurance MUST NOT appear on Coverage.