Businessowners book schema

Generated from the businessowners book schema. bop.SCHEMA.to_pandas() returns the core columns as a DataFrame.

`policies`

Key: policy_id. Optional table. Each column is yours.

`submissions`

Key: submission_id. Required table.

Column	Type	Unit	Required	Meaning
`policy_id`	id		Yes	The policy the submission prices.
`effective_date`	date		Yes	The date the rated term starts.
`term_months`	int	months		The length of the rated term.

`locations`

Key: submission_id, location_id. Required table.

Column	Type	Unit	Values	Meaning
`postal_code`	text			The postal code of the location.
`county`	text			The county the location is in, such as Travis.
`state`	text			The two-letter postal abbreviation of the location’s state.
`construction`	enum		`frame`, `joisted_masonry`, `noncombustible`, `masonry_noncombustible`, `modified_fire_resistive`, `fire_resistive`	The ISO construction class of the building: frame, joisted masonry, noncombustible, masonry noncombustible, modified fire resistive or fire resistive.
`protection_class`	text			The ISO public protection class of the location, such as 3 or 8B.
`year_built`	int			The year the building was built.
`stories`	int			The stories of the building above ground.
`sprinklered`	bool			Whether an automatic sprinkler system protects the insured’s part of the building.
`coast_distance`	number	feet		The shortest distance from the location to the coast.
`wind_hail_excluded`	bool			Whether the policy excludes windstorm and hail at the location.
`floor_area`	number	sq ft		The floor area the insured occupies at the location.
`liquor_sales`	number	USD		The insured’s sales of alcoholic beverages at the location for a year.

`classifications`

Key: submission_id, location_id, class_id. Optional table.

Column	Type	Unit	Meaning
`iso_gl_code`	text		The operation’s class code in the ISO commercial general liability plan, such as 16901.
`iso_bop_code`	text		The operation’s class code in the ISO businessowners plan, such as 09421.
`iso_cp_code`	text		The operation’s class code in the ISO commercial property plan, such as 0542.
`naics_code`	text		The operation’s class code in the NAICS plan, such as 722511.
`sic_code`	text		The operation’s class code in the SIC plan, such as 5812.
`annual_sales`	number	USD	The operation’s gross sales for a year, including its liquor sales.
`annual_payroll`	number	USD	The operation’s payroll for a year.

`coverages`

Key: submission_id, coverage_id. Optional table. coverage_id is one of premises_operations, products_completed_operations, personal_advertising_injury, medical_payments, damage_to_rented_premises, liquor_liability, hired_non_owned_auto, employee_benefits_liability, unmanned_aircraft, terrorism, electronic_data.

Column	Type	Unit	Meaning
`limit`	number	USD	The limit for each occurrence or claim.
`aggregate_limit`	number	USD	The most the coverage pays in the policy term.
`deductible`	number	USD	The coverage’s deductible.

`location_coverages`

Key: submission_id, location_id, coverage_id. Optional table. coverage_id is one of building, business_personal_property, tenant_improvements, business_income, extra_expense, equipment_breakdown, spoilage, earthquake.

Column	Type	Unit	Values	Required	Meaning
`limit`	number	USD			The limit.
`deductible`	number	USD			The coverage’s own deductible.

`deductibles`

Key: submission_id, location_id, peril. Optional table. peril is one of all_other_perils, wind_hail, named_storm, earthquake.

Column	Type	Unit	Values	Required	Meaning
`amount`	number	USD			A deductible stated as an amount.
`percent`	number	%			A deductible stated as a percent of the location’s property limits.

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Businessowners book schema

`policies`

`submissions`

`locations`

`classifications`

`coverages`

`location_coverages`

`deductibles`

​policies

​submissions

​locations

​classifications

​coverages

​location_coverages

​deductibles

`policies`

`submissions`

`locations`

`classifications`

`coverages`

`location_coverages`

`deductibles`