{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/acord-policy-schema.json",
  "title": "ACORD Policy",
  "description": "JSON Schema for an ACORD NGDS insurance policy object, representing an insurance contract with coverages and insured party.",
  "type": "object",
  "required": ["policyId", "policyNumber", "lineOfBusiness", "status", "effectiveDate", "expirationDate"],
  "properties": {
    "policyId": {
      "type": "string",
      "description": "Unique internal policy identifier"
    },
    "policyNumber": {
      "type": "string",
      "description": "Carrier-assigned policy number"
    },
    "lineOfBusiness": {
      "type": "string",
      "description": "Insurance line of business",
      "enum": ["PropertyCasualty", "Life", "Annuity", "Reinsurance"]
    },
    "status": {
      "type": "string",
      "description": "Current policy status",
      "enum": ["Active", "Lapsed", "Cancelled", "Pending", "Expired"]
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Policy effective date"
    },
    "expirationDate": {
      "type": "string",
      "format": "date",
      "description": "Policy expiration date"
    },
    "premiumAmount": {
      "type": "number",
      "description": "Total policy premium amount",
      "minimum": 0
    },
    "currency": {
      "type": "string",
      "description": "ISO 4217 currency code",
      "default": "USD",
      "pattern": "^[A-Z]{3}$"
    },
    "insuredParty": {
      "$ref": "#/$defs/Party"
    },
    "coverages": {
      "type": "array",
      "description": "List of coverages under the policy",
      "items": {
        "$ref": "#/$defs/Coverage"
      }
    },
    "endorsements": {
      "type": "array",
      "description": "Policy endorsements and amendments",
      "items": {
        "$ref": "#/$defs/Endorsement"
      }
    },
    "createdAt": {
      "type": "string",
      "format": "date-time"
    },
    "updatedAt": {
      "type": "string",
      "format": "date-time"
    }
  },
  "$defs": {
    "Party": {
      "type": "object",
      "description": "ACORD NGDS Party representing an insured, claimant, agent, or broker",
      "required": ["partyId", "partyType"],
      "properties": {
        "partyId": {
          "type": "string"
        },
        "partyType": {
          "type": "string",
          "enum": ["Insured", "Claimant", "Agent", "Broker", "Carrier"]
        },
        "firstName": {
          "type": "string"
        },
        "lastName": {
          "type": "string"
        },
        "organizationName": {
          "type": "string"
        },
        "taxId": {
          "type": "string",
          "description": "Tax identification number (SSN or EIN)"
        },
        "address": {
          "$ref": "#/$defs/Address"
        },
        "contacts": {
          "type": "array",
          "items": {
            "$ref": "#/$defs/Contact"
          }
        }
      }
    },
    "Coverage": {
      "type": "object",
      "description": "Insurance coverage detail",
      "required": ["coverageId", "coverageType"],
      "properties": {
        "coverageId": {
          "type": "string"
        },
        "coverageType": {
          "type": "string",
          "description": "Type of coverage (e.g., BodilyInjury, PropertyDamage, Medical)"
        },
        "limit": {
          "type": "number",
          "minimum": 0
        },
        "deductible": {
          "type": "number",
          "minimum": 0
        },
        "premium": {
          "type": "number",
          "minimum": 0
        },
        "currency": {
          "type": "string",
          "default": "USD"
        }
      }
    },
    "Endorsement": {
      "type": "object",
      "description": "Policy endorsement or amendment",
      "required": ["endorsementNumber", "effectiveDate"],
      "properties": {
        "endorsementNumber": {
          "type": "string"
        },
        "description": {
          "type": "string"
        },
        "effectiveDate": {
          "type": "string",
          "format": "date"
        },
        "premiumChange": {
          "type": "number"
        }
      }
    },
    "Address": {
      "type": "object",
      "properties": {
        "street1": {
          "type": "string"
        },
        "street2": {
          "type": "string"
        },
        "city": {
          "type": "string"
        },
        "state": {
          "type": "string",
          "pattern": "^[A-Z]{2}$"
        },
        "postalCode": {
          "type": "string"
        },
        "country": {
          "type": "string",
          "default": "US"
        }
      }
    },
    "Contact": {
      "type": "object",
      "required": ["contactType", "value"],
      "properties": {
        "contactType": {
          "type": "string",
          "enum": ["Phone", "Email", "Fax"]
        },
        "value": {
          "type": "string"
        }
      }
    }
  }
}