{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api-evangelist.github.io/guidewire/json-schema/guidewire-policy-schema.json",
  "title": "Guidewire Policy",
  "description": "JSON Schema for a Guidewire PolicyCenter insurance policy including coverages, insured parties, and premium information.",
  "type": "object",
  "properties": {
    "id": {
      "type": "string",
      "description": "Guidewire PublicID for the policy"
    },
    "policyNumber": {
      "type": "string",
      "description": "Human-readable policy number"
    },
    "status": {
      "type": "string",
      "enum": ["In Force", "Expired", "Cancelled", "Pending Cancelled"],
      "description": "Current policy status"
    },
    "product": {
      "type": "string",
      "description": "Insurance product type (e.g., BusinessOwners, CommercialProperty, PersonalAuto)"
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Policy effective date"
    },
    "expirationDate": {
      "type": "string",
      "format": "date",
      "description": "Policy expiration date"
    },
    "issuedDate": {
      "type": "string",
      "format": "date",
      "description": "Date policy was issued"
    },
    "totalPremium": {
      "type": "number",
      "minimum": 0,
      "description": "Total annual premium amount"
    },
    "currency": {
      "type": "string",
      "default": "USD",
      "pattern": "^[A-Z]{3}$"
    },
    "account": { "$ref": "#/$defs/AccountRef" },
    "insured": { "$ref": "#/$defs/ContactRef" },
    "coverages": {
      "type": "array",
      "items": { "$ref": "#/$defs/Coverage" }
    },
    "createdDate": {
      "type": "string",
      "format": "date-time"
    },
    "updatedDate": {
      "type": "string",
      "format": "date-time"
    }
  },
  "required": ["id", "policyNumber", "status", "product", "effectiveDate"],
  "$defs": {
    "AccountRef": {
      "type": "object",
      "properties": {
        "id": { "type": "string" },
        "accountNumber": { "type": "string" },
        "name": { "type": "string" }
      },
      "required": ["id"]
    },
    "ContactRef": {
      "type": "object",
      "properties": {
        "id": { "type": "string" },
        "displayName": { "type": "string" }
      },
      "required": ["id"]
    },
    "Coverage": {
      "type": "object",
      "description": "An insurance coverage line on the policy",
      "properties": {
        "id": { "type": "string" },
        "type": {
          "type": "string",
          "description": "Coverage type code (e.g., 'BOPBuildingCov', 'BOPBusinessPersonalPropertyCov')"
        },
        "limit": {
          "type": "number",
          "minimum": 0,
          "description": "Coverage limit in policy currency"
        },
        "deductible": {
          "type": "number",
          "minimum": 0,
          "description": "Coverage deductible amount"
        },
        "premium": {
          "type": "number",
          "minimum": 0,
          "description": "Premium attributable to this coverage"
        },
        "description": {
          "type": "string"
        },
        "terms": {
          "type": "array",
          "items": { "$ref": "#/$defs/CoverageTerm" }
        }
      },
      "required": ["id", "type"]
    },
    "CoverageTerm": {
      "type": "object",
      "description": "A specific term or condition on a coverage",
      "properties": {
        "id": { "type": "string" },
        "name": { "type": "string" },
        "value": { "type": "string" }
      }
    }
  }
}