{
  "$defs": {
    "ClaimRecord": {
      "description": "Claim record (incident under the policy).",
      "properties": {
        "claim_amount": {
          "format": "double",
          "type": "number"
        },
        "claim_number": {
          "type": "string"
        },
        "date_of_loss": {
          "$ref": "#/$defs/IsoDate"
        },
        "description": {
          "type": "string"
        },
        "payout": {
          "description": "Payout received (if any).",
          "format": "double",
          "type": [
            "number",
            "null"
          ]
        },
        "related_ref": {
          "anyOf": [
            {
              "$ref": "#/$defs/PathRef"
            },
            {
              "type": "null"
            }
          ],
          "description": "PathRef to related security incident, litigation, or claim."
        },
        "reported_on": {
          "$ref": "#/$defs/IsoDate"
        },
        "settled": {
          "description": "Whether the claim is settled / closed.",
          "type": "boolean"
        }
      },
      "required": [
        "claim_number",
        "date_of_loss",
        "reported_on",
        "description",
        "claim_amount",
        "settled"
      ],
      "type": "object"
    },
    "Confidentiality": {
      "description": "Cross-cutting confidentiality classification used across privacy,\nsecurity, knowledge, IR pillars. Default rendering rule: `corpospec-report`\nexcludes `Restricted | BoardOnly | InvestorOnly` records from public output\nunless an explicit audience parameter overrides. See BDR 0076 §1.",
      "oneOf": [
        {
          "const": "public",
          "description": "Safe to publish anywhere.",
          "type": "string"
        },
        {
          "const": "customer",
          "description": "Visible to customers under standard ToS.",
          "type": "string"
        },
        {
          "const": "internal",
          "description": "Employees and contractors only.",
          "type": "string"
        },
        {
          "const": "restricted",
          "description": "Need-to-know subset of internal.",
          "type": "string"
        },
        {
          "const": "board_only",
          "description": "Board members and direct staff.",
          "type": "string"
        },
        {
          "const": "investor_only",
          "description": "Existing investors + prospective with NDA.",
          "type": "string"
        }
      ]
    },
    "InsurancePolicyKind": {
      "description": "Policy kind.",
      "oneOf": [
        {
          "enum": [
            "other"
          ],
          "type": "string"
        },
        {
          "const": "directors_officers",
          "description": "Directors & Officers.",
          "type": "string"
        },
        {
          "const": "cyber_liability",
          "description": "Cyber liability + data breach response.",
          "type": "string"
        },
        {
          "const": "tech_errors_omissions",
          "description": "Technology Errors & Omissions / Professional Indemnity.",
          "type": "string"
        },
        {
          "const": "general_liability",
          "description": "Commercial General Liability.",
          "type": "string"
        },
        {
          "const": "epli",
          "description": "Employment Practices Liability.",
          "type": "string"
        },
        {
          "const": "crime",
          "description": "Crime / fidelity (employee theft, social-engineering fraud).",
          "type": "string"
        },
        {
          "const": "key_person",
          "description": "Key person (life / disability of a founder).",
          "type": "string"
        },
        {
          "const": "property",
          "description": "Property.",
          "type": "string"
        },
        {
          "const": "business_interruption",
          "description": "Business interruption.",
          "type": "string"
        },
        {
          "const": "auto",
          "description": "Auto.",
          "type": "string"
        },
        {
          "const": "group_health",
          "description": "Health insurance group plan.",
          "type": "string"
        },
        {
          "const": "workers_comp",
          "description": "Workers' compensation / employers' liability.",
          "type": "string"
        },
        {
          "const": "travel",
          "description": "Travel.",
          "type": "string"
        },
        {
          "const": "umbrella",
          "description": "Umbrella / excess.",
          "type": "string"
        }
      ]
    },
    "InsurancePolicyStatus": {
      "description": "Policy lifecycle.",
      "enum": [
        "quoted",
        "bound",
        "active",
        "lapsed",
        "cancelled",
        "non_renewed"
      ],
      "type": "string"
    },
    "IsoCountry": {
      "description": "ISO 3166-1 alpha-2 country code.",
      "pattern": "^[A-Z]{2}$",
      "type": "string"
    },
    "IsoCurrency": {
      "description": "ISO 4217 currency code.",
      "pattern": "^[A-Z]{3}$",
      "type": "string"
    },
    "IsoDate": {
      "description": "ISO 8601 date (YYYY-MM-DD).",
      "format": "date",
      "type": "string"
    },
    "PathRef": {
      "description": "Path-based cross-reference relative to .corpospec/ root.\nPattern: `^[a-z0-9_-]+(/[a-z0-9_.-]+)+$`",
      "pattern": "^[a-z0-9_-]+(/[a-z0-9_.-]+)+$",
      "type": "string"
    },
    "PremiumCadence": {
      "description": "Premium cadence.",
      "enum": [
        "monthly",
        "quarterly",
        "semi_annual",
        "annual",
        "paid_in_full"
      ],
      "type": "string"
    }
  },
  "$id": "https://corpospec.com/schemas/v0.16.0/insurance-policy.schema.json",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "additionalProperties": false,
  "description": "Insurance policy record.",
  "properties": {
    "aggregate_limit": {
      "description": "Aggregate cap (None ⇒ unlimited / not aggregated).",
      "format": "double",
      "type": [
        "number",
        "null"
      ]
    },
    "broker": {
      "anyOf": [
        {
          "$ref": "#/$defs/PathRef"
        },
        {
          "type": "null"
        }
      ],
      "description": "Broker (PathRef into vendor)."
    },
    "carrier": {
      "type": "string"
    },
    "carrier_jurisdiction": {
      "$ref": "#/$defs/IsoCountry",
      "description": "Carrier jurisdiction (regulatory home)."
    },
    "claims": {
      "description": "Past claims under this policy.",
      "items": {
        "$ref": "#/$defs/ClaimRecord"
      },
      "type": "array"
    },
    "confidentiality": {
      "$ref": "#/$defs/Confidentiality"
    },
    "coverage_limit": {
      "description": "Total coverage limit / per-occurrence (depends on policy form).",
      "format": "double",
      "type": "number"
    },
    "coverage_territory": {
      "description": "Coverage territory (e.g. \"Worldwide except sanctioned countries\").",
      "type": "string"
    },
    "currency": {
      "$ref": "#/$defs/IsoCurrency"
    },
    "deductible": {
      "format": "double",
      "type": "number"
    },
    "effective_from": {
      "$ref": "#/$defs/IsoDate"
    },
    "exclusions": {
      "description": "Exclusions (free-form list).",
      "items": {
        "type": "string"
      },
      "type": "array"
    },
    "expires_at": {
      "$ref": "#/$defs/IsoDate"
    },
    "id": {
      "$ref": "#/$defs/PathRef"
    },
    "insured": {
      "$ref": "#/$defs/PathRef",
      "description": "Insured entity."
    },
    "kind": {
      "$ref": "#/$defs/InsurancePolicyKind"
    },
    "policy_document": {
      "anyOf": [
        {
          "$ref": "#/$defs/PathRef"
        },
        {
          "type": "null"
        }
      ],
      "description": "PathRef to the policy document."
    },
    "policy_number": {
      "type": "string"
    },
    "premium_cadence": {
      "$ref": "#/$defs/PremiumCadence"
    },
    "premium_per_period": {
      "format": "double",
      "type": "number"
    },
    "renewal_owner": {
      "anyOf": [
        {
          "$ref": "#/$defs/PathRef"
        },
        {
          "type": "null"
        }
      ],
      "description": "Renewal action owner."
    },
    "self_insured_retention": {
      "description": "Self-insured retention (where applicable, e.g. D&O Side A).",
      "format": "double",
      "type": [
        "number",
        "null"
      ]
    },
    "status": {
      "$ref": "#/$defs/InsurancePolicyStatus"
    }
  },
  "required": [
    "id",
    "insured",
    "kind",
    "status",
    "carrier",
    "carrier_jurisdiction",
    "policy_number",
    "currency",
    "coverage_limit",
    "deductible",
    "premium_per_period",
    "premium_cadence",
    "effective_from",
    "expires_at",
    "coverage_territory",
    "confidentiality"
  ],
  "title": "InsurancePolicy",
  "type": "object",
  "x-corpospec-pillar": "legal"
}