In the P&C underwriting process, several tables from your conceptual model would be involved. Here are the key tables and their roles: 

  1. Account: Represents the customer or entity seeking insurance. 

  1. Party: Includes individuals or entities involved in the underwriting process, such as policyholders, agents, and underwriters. 

  1. Agreement: Captures the contractual agreements between accounts and parties. 

  1. Product: Defines the insurance products being offered. 

  1. ProductCoverage: Details the specific coverages associated with each product. 

  1. Policy: Represents the insurance policy issued to the account for a specific product. 

  1. InsurableObject: Details the objects or properties being insured under a policy. 

  1. GeographicLocation: Provides location details relevant to the insurable objects and policies. 

  1. PolicyCoverageDetail: Specifies the coverage details, limits, and deductibles for each policy. 

  1. Coverage: Defines the types of coverage available. 

  1. PolicyLimit: Specifies the limits for each policy coverage. 

  1. PolicyDeductible: Specifies the deductibles for each policy coverage. 

  1. Communication: Records communications between parties, which can be crucial for underwriting decisions. 

Relationships: 

  • Accountis linked toAgreementthroughaccount_id. 

  • Partyis linked toAgreementthroughparty_id. 

  • Partyis linked toCommunicationthroughparty_id. 

  • Productis linked toProductCoveragethroughproduct_id. 

  • Coverageis linked toProductCoveragethroughcoverage_id. 

  • Productis linked toPolicythroughproduct_id. 

  • Policyis linked toInsurableObjectthroughpolicy_id. 

  • Policyis linked toClaimthroughpolicy_id. 

  • GeographicLocationis linked toClaimandInsurableObjectthroughgeographic_location_id. 

  • InsurableObjectis linked toClaimthroughinsurable_object_id. 

  • InsurableObjectis linked toPolicyCoverageDetailthroughinsurable_object_id. 

  • Policyis linked toPolicyCoverageDetailthroughpolicy_id. 

  • Coverageis linked toPolicyCoverageDetailthroughcoverage_id. 

  • PolicyLimitis linked toPolicyCoverageDetailthroughlimit_id. 

  • PolicyDeductibleis linked toPolicyCoverageDetailthroughdeductible_id. 

  • Agreementis linked toReinsuranceAgreementthroughagreement_id. 

  • Partyis linked toReinsuranceAgreementthroughreinsurer_id. 

  • GeographicLocationis linked toLocationAddressthroughgeographic_location_id. 

  • ReinsuranceAgreementis linked toReinsuranceCoveragethroughreinsurance_agreement_id. 

  • Coverageis linked toReinsuranceCoveragethroughcoverage_id.