Fat Agent Standard / Core Objects
v1.0Organization
Represents a legal or operating organization within Fat Agent Standard, including businesses, corporations, LLCs, partnerships, nonprofits, trusts, government entities, and other organizations.
An Organization exists once. Roles such as named insured, owner, applicant, policyholder, employer, or beneficiary are relationships to other objects and MUST NOT create duplicate Organization records.
Identity
| Field | Type | Required | Description |
|---|---|---|---|
organization_id | string | Yes | Unique identifier for the Organization |
legal_name | string | Yes | Legal name of the Organization |
dba | string | No | Doing-business-as or trade name |
entity_type | enum | No | Legal/entity structure Allowed: sole_proprietorship, partnership, llc, corporation, nonprofit, trust, government, other |
entity_type_description | string | Yes* | Custom value when entity_type is other. Required when entity_type is other. MUST NOT be set otherwise. |
ein | string | No | U.S. Employer Identification Number |
year_established | integer | No | Year the Organization was established |
Business
naics_code represents the standardized NAICS classification of the Organization. Carrier-specific class codes, underwriting classifications, payroll, subcontractor costs, sales breakdowns, and other line-specific exposure information MUST NOT be stored here. Those belong in Underwriting.
| Field | Type | Required | Description |
|---|---|---|---|
industry | string | No | General industry or business description |
naics_code | string | No | North American Industry Classification System code |
annual_revenue | number | No | Organization's reported annual gross revenue |
number_of_employees | integer | No | Total number of employees |
Contact — Phones
phones is an optional array of phone numbers belonging to the Organization.
| Field | Type | Required | Description |
|---|---|---|---|
type | enum | Yes | Type of Organization phone number Allowed: business, mobile, fax, other |
type_description | string | Yes* | Custom value when type is other. Required when type is other. MUST NOT be set otherwise. |
number | string | Yes | Phone number |
extension | string | No | Phone extension |
Contact — Emails
emails is an optional array of email addresses belonging to the Organization.
| Field | Type | Required | Description |
|---|---|---|---|
type | enum | Yes | Type of Organization email address Allowed: business, billing, other |
type_description | string | Yes* | Custom value when type is other. Required when type is other. MUST NOT be set otherwise. |
address | string (email) | Yes | Email address |
Website
| Field | Type | Required | Description |
|---|---|---|---|
website | string (URI) | No | Organization website |
Addresses
addresses is an optional array of references. Each item contains address_id, type, and type_description when type is other. The Address schema is defined on the Address object and MUST NOT be duplicated here.
| Field | Type | Required | Description |
|---|---|---|---|
| address_id | string | Yes | ID of the related Address object |
type | enum | Yes | Organization's relationship to the address Allowed: business, mailing, billing, previous, other |
type_description | string | Yes* | Custom value when type is other. Required when type is other. MUST NOT be set otherwise. |
Relationships
relationships is an optional array connecting the Organization to Person objects. A Person MUST NOT be embedded or duplicated inside the Organization object.
| Field | Type | Required | Description |
|---|---|---|---|
| person_id | string | Yes | ID of the related Person |
relationship_type | enum | Yes | Person's relationship to the Organization Allowed: owner, partner, officer, director, employee, authorized_signer, trustee, contact, other |
relationship_type_description | string | Yes* | Custom value when relationship_type is other. Required when relationship_type is other. MUST NOT be set otherwise. |
Validation Rules
- organization_id MUST be a non-empty string.
- legal_name MUST be a non-empty string.
- entity_type MUST contain one of the defined values.
- 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.
- year_established MUST be a four-digit integer representing a valid year.
- annual_revenue MUST be greater than or equal to zero.
- number_of_employees MUST be an integer greater than or equal to zero.
- naics_code, when supplied, MUST contain only digits and represent a valid NAICS code format.
- Email addresses MUST be valid email-formatted strings.
- website, when supplied, MUST be a valid URI.
- Phone type MUST contain one of its defined values.
- Address type MUST contain one of its defined values.
- Relationship relationship_type MUST contain one of its defined values.
- Every address_id MUST reference an Address object.
- Every person_id in relationships MUST reference a Person object.
- An Organization MUST NOT be duplicated merely because it has multiple insurance roles.
- Carrier-specific or line-of-business-specific underwriting data MUST NOT be stored in Organization. That data belongs in Underwriting.