> ## Documentation Index
> Fetch the complete documentation index at: https://docs.canary.effectiveai.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Businessowners book schema

> Every table, key and core column of a businessowners book.

*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 | Values | 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 | Required | 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 | Values | Required | 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 | Values | Required | 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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