{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "urn:coos:schema:InsurancePolicy",
  "title": "InsurancePolicy",
  "description": "An insurance policy held by the strata corporation, with its coverages, limits and deductibles.",
  "type": "object",
  "x-domain": "compliance",
  "x-status": "experimental",
  "x-since": "0.1.0-draft",
  "x-relationships": [
    {
      "field": "strataCorporationId",
      "target": "StrataCorporation",
      "cardinality": "one",
      "required": true
    },
    {
      "field": "insurerOrganizationId",
      "target": "Organization",
      "cardinality": "one",
      "required": false
    },
    {
      "field": "brokerOrganizationId",
      "target": "Organization",
      "cardinality": "one",
      "required": false
    },
    {
      "field": "documentIds",
      "target": "Document",
      "cardinality": "many",
      "required": false
    }
  ],
  "x-validationRules": [
    "expiryDate must be after effectiveDate."
  ],
  "x-legalReviewNotes": [
    "Statutory insurance requirements for strata corporations should be summarised only after legal review."
  ],
  "required": [
    "id",
    "strataCorporationId",
    "effectiveDate",
    "expiryDate"
  ],
  "additionalProperties": false,
  "properties": {
    "id": {
      "$ref": "urn:coos:schema:common#/$defs/Identifier",
      "description": "Stable identifier of this InsurancePolicy record."
    },
    "strataCorporationId": {
      "$ref": "urn:coos:schema:common#/$defs/Identifier",
      "description": "The strata corporation this record belongs to.",
      "x-references": "StrataCorporation"
    },
    "policyNumber": {
      "type": "string",
      "description": "Policy number assigned by the insurer.",
      "maxLength": 64
    },
    "insurerOrganizationId": {
      "$ref": "urn:coos:schema:common#/$defs/Identifier",
      "description": "Insurer.",
      "x-references": "Organization"
    },
    "brokerOrganizationId": {
      "$ref": "urn:coos:schema:common#/$defs/Identifier",
      "description": "Broker, if any.",
      "x-references": "Organization"
    },
    "effectiveDate": {
      "$ref": "urn:coos:schema:common#/$defs/Date",
      "description": "Start of the policy period."
    },
    "expiryDate": {
      "$ref": "urn:coos:schema:common#/$defs/Date",
      "description": "End of the policy period."
    },
    "coverages": {
      "type": "array",
      "description": "Coverages under the policy.",
      "items": {
        "type": "object",
        "required": [
          "coverageType"
        ],
        "additionalProperties": false,
        "properties": {
          "coverageType": {
            "type": "string",
            "description": "Type of coverage.",
            "enum": [
              "property",
              "generalLiability",
              "directorsAndOfficers",
              "equipmentBreakdown",
              "crime",
              "other"
            ],
            "x-enumDescriptions": {
              "property": "Property coverage for buildings and common assets.",
              "generalLiability": "Third-party / general liability.",
              "directorsAndOfficers": "Directors and officers liability for council members.",
              "equipmentBreakdown": "Equipment breakdown.",
              "crime": "Crime / fidelity.",
              "other": "Other coverage."
            }
          },
          "limit": {
            "$ref": "urn:coos:schema:common#/$defs/Money",
            "description": "Limit of insurance."
          },
          "deductible": {
            "$ref": "urn:coos:schema:common#/$defs/Money",
            "description": "Deductible."
          },
          "peril": {
            "type": "string",
            "description": "Peril the deductible applies to, if peril-specific (for example \"earthquake\", \"water damage\").",
            "maxLength": 64
          }
        }
      }
    },
    "documentIds": {
      "type": "array",
      "description": "Policy documents and certificates.",
      "items": {
        "$ref": "urn:coos:schema:common#/$defs/Identifier",
        "x-references": "Document"
      },
      "uniqueItems": true
    },
    "extensions": {
      "$ref": "urn:coos:schema:common#/$defs/Extensions",
      "description": "Implementation-specific data, namespaced by reverse domain."
    }
  }
}