Glossary

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data_map.claim

The cumulative latest claim-level data as of the provided valuation_date.

Column	Type	Definition
claim_id	bigint	The unique identifier for a claim.
policy_group_id	bigint	The unique identifier for the policy group that the policy belongs to.
policy_id	bigint	The unique identifier for the policy that the claim belongs to.
tpa_id	bigint	The unique identifier for a TPA (third party administrator) that handles the claim.
external_policy_id	string	The identifier assigned by the insurer for the policy.
external_claim_id	string	The identifier assigned by the insurer for the claim.
loss_occurence_date	date	The date the loss occurred.
claim_opened_date	date	The date the claim was opened.
claim_reported_date	date	The date the claim was reported.
claim_closed_date	date	The date the claim was closed.
source_record_date	date	The date of the BDX file supplied by the cedant.
is_derived	boolean	Whether the data is derived by us or supplied by the cedant.
epistemic_rank	string	The epistemic rank of the claim (currently just “bordereau”).
loss_taxonomy	map	Loss category.
loss_metrics	map	Loss amount by category
claim_status	string	The status of the claim (open/closed).
claim_coverages	array	The coverage amount by category.
currency	string	The currency the claim is denominated in.
claim_limit	decimal(17,2)	The limit allowed by policy.
claim_deductible	decimal(17,2)	Deductible amount.
catastrophe_code	string	The catastrophe code for the claim.
claim_metadata	map	Metadata about the claim.
other_data	array	Misc. data field.
valuation_date	timestamp	Same as source_record_date unless the cedant provides another value.
is_latest	boolean	Whether the data is from the latest BDX file.

​

data_map.collateral_terms

A pointer to collateral terms math stored in a Python or Excel file.

Column	Type	Definition
collateral_terms_id	bigint	The unique identifier for the collateral terms.
collateral_terms_scheme	string	The name of the collateral terms scheme.
collateral_terms_description	string	The description of the collateral terms scheme.
collateral_deal_model	string	The name of the collateral deal model.

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data_map.company

Information about legal entities.

Column	Type	Definition
company_id	bigint	The unique identifier of the company.
organization_id	bigint	The unique identifier of the organization the company belongs to.
address_id	bigint	The unique identifier of the address the company is registered at.
legal_name	string	The legal name of the company.
website	string	The website URL of the company.
linkedin	string	The linkedin URL of the company.
email	string	The email address of the company.
year_founded	int	The year the company was founded.
legal_id	array	The legal ID of the company (e.g. EIN).
legal_status	string	The legal status of the company (e.g. Active/Inactive).
legal_type	string	The legal type of the company (e.g. LLC/Corporation).
description	string	A description of the company.
employee_size	string	The size of the company (e.g. 100-500 employees).
public_stock_ticker	string	The public stock ticker of the company.
operating_geography	string	The geographic region the company operates in.

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data_map.company_managing_general_agent

Additional basic information on legal entities that are MGAs or MGUs.

Column	Type	Definition
company_id	bigint	The unique identifier for the company.
employees_management	int	The number of employees on the management team.
employees_underwriting	int	The number of employees on the underwriting team.
employees_actuarial	int	The number of employees on the actuarial team.
employees_claims	int	The number of employees on the claims team.
employees_other	int	The number of employees on other teams.
product_lines	array	The product lines the company insures.

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data_map.contract

Metadata describing a signed legal agreement.

Column	Type	Definition
contract_id	bigint	The unique identifier of the contract (auto increment).
ledger_contract_id	bigint	The unique identifier of the contract in the ledger system (assigned by us).
name	string	The name of the contract.
type	string	The type of the contract (e.g. Reinsurance)
status	string	The status of the contract (e.g. Active/Inactive).
version	string	The version of the contract.
signature_date	date	The date the contract was signed.
effective_date	date	The date the contract became effective.
description	string	A description of the contract.
description_amendment	string	A description of the contract amendment (if applicable).
signatories	array	The signatories of the contract.
contract_wording_id	bigint	The unique identifier of the contract wording.
contract_file_id	string	The unique identifier of the contract file.

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data_map.contract_amendments

A link between an original contract and any amended contracts.

Column	Type	Definition
contract_amendments_id	bigint	The unique identifier for an amendment to a contract.
contract_being_amended_id	bigint	The unique identifier for the contract being amended.
contract_amendment_id	bigint	The amendment to the contract is itself a contract
amendment_number	int	The number of the amendment to the contract.
amendment_type	string	The type of amendment to the contract.
amendment_effective_date	date	The date the amendment became effective.

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data_map.contract_interest_liabilities

Information about interest & liablities agreements of reinsurance contracts.

Column	Type	Definition
contract_interest_liabilities_id	bigint	The unique identifier for an interest & liablities agreement.
contract_reinsurance_id	bigint	The unique identifier for a reinsurance contract.
contract_id	bigint	The unique identifier for a signed legal agreement.
reinsurer_id	bigint	The unique identifier for the reinsurance company

​

data_map.contract_page_text

The plain text of a contract grouped by page.

Column	Type	Definition
contract_id	string	The unique identifier of the contract.
google_drive_id	string	The unique identifier of the Google Drive document.
filename	string	The name of the file.
filetype	string	The type of the file (mostly PDF).
fullname	string	The full name of the contract
pagenum	bigint	The page number of the contract
text	string	The text of the contract page

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data_map.contract_reinsurance

Identifies all contracts that relate to a reinsurance transaction including all brokers, ceding insurers, and reinsurers.

Column	Type	Definition
contract_reinsurance_id	bigint	The unique identifier for a reinsurance contract.
reinsurance_active_status	boolean	Whether the reinsurance contract is active or not.
master_contract_id	bigint	The unique identifier for the master contract.
schedule_contract_id	bigint	The unique identifier for the schedule contract.
standalone_contract_id	bigint	The unique identifier for the standalone contract.
trust_contract_id	bigint	The unique identifier for the trust contract.
broker_contract_id	bigint	The unique identifier for the broker contract.
multiple_keyterms	boolean	Whether the reinsurance contract has multiple keyterms or not.
reinsurers	array	The unique company identifier of all reinsurers
cedants	array	The unique company identifier of all cedants
brokers	array	The unique company identifier of all brokers

​

data_map.contract_reinsurance_binder

All documents associated with a single reinsurance transaction.

Column	Type	Definition
contract_reinsurance_binder_id	bigint	The unique identifier of the contract reinsurance binder.
reinsurance_binder_name	string	The name of the binder.
ceding_insurer	string	The ceding insurer.
reinsurer	string	The reinsurer.
reinsurance_contracts	array	Reinsurance contracts associated with the binder.
novation_contracts	array	Novation contracts associated with the binder.
trust_contracts	array	Trust contracts associated with the binder.
broker_contracts	array	Broker contracts associated with the binder.
investor_contracts	array	Investor contracts associated with the binder.
ima_contracts	array	IMA contracts associated with the binder.
side_letter_contracts	array	Side letter contracts associated with the binder.
multiple_keyterms	boolean	Whether the binder has multiple keyterms.

​

data_map.contract_reinsurance_keyterms

Identifies the key terms for reinsurance contracts.

Column	Type	Definition
contract_reinsurance_keyterms_id	bigint	None
contract_reinsurance_binder_id	bigint	None
reinsurance_transaction_name	string	None
reinsurance_type	string	None
reinsurance_form	string	None
quota_share_percent	double	None
subject_business	string	None
policy_group_id	array	None
policy_group_name	string	None
product_line	string	None
risk_period_start	date	None
risk_period_end	date	None
policy_max_limits	array	None
coverage_type	string	None
coverage_layers_basis	string	None
coverage_layers_amounts	array	None
reinsurance_premium_basis	string	None
reinsurance_premium	double	None
premium_remittance_basis	string	None
ceding_commission_basis	string	None
min_ceding_commission	double	None
profit_commission_basis	string	None
profit_commission_start_date	date	None
ramp_up_period_end_date	date	None
profit_commission_amounts	array	None
provisional_profit_commission	double	None
premium_maxium	double	None
aggregate_limit_basis	string	None
aggregate_limit	double	None
occurrence_limit_basis	string	None
occurrence_limit	double	None
FET_rate	double	None
collateral_initial	double	None
claims_fund_initial	double	None
claims_fund_minimum	double	None
claims_fund_maximum	double	None
commutation_date	date	None
bdx_reporting_period	string	None
collateral_reporting_period	string	None
bdx_reporting_lag	int	None
remittance_lag	int	None
collateral_reporting_lag	int	None
collateral_deposit_lag	int	None
premium_expected	double	None
collateral_terms_id	string	None
Foreign_Currency_to_USD_Exchange_Rate	double	None

​

data_map.contract_reinsurancetrust_keyterms

Terms describing the trust account associated with a reinsurance transaction.

Column	Type	Definition
reinsurance_transaction_name	string	The reinsurance transaction name.
contract_reinsurance_binder_id	int	The contract reinsurance binder ID.
reinsurance_binder_name	string	The reinsurance binder name.
ceding_insurer	string	The ceding insurer.
reinsurer	string	The reinsurer.
trustee	string	The trustee.
trust_account_number	string	The trust account number.
principal_account_numbers	array	The principal account numbers.
income_account_numbers	array	The income account numbers.
contract_reinsurancetrust_keyterms_id	bigint	The contract reinsurance trust keyterms ID.

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data_map.contract_securitiesbroker_keyterms

Terms describing the securities broker account associated with a reinsurance transaction.

Column	Type	Definition
reinsurance_transaction_name	string	The reinsurance transaction name.
reinsurance_binder_name	string	The reinsurance binder name.
ceding_insurer	string	The ceding insurer.
reinsurer	string	None
securities_broker	string	The securities broker.
brokerage_fee_basis	string	The brokerage fee basis.
brokerage_fee	double	The brokerage fee.
percent_paid_at_closing	double	The percent paid at closing.
factoring_discount_rate	double	The factoring discount rate.
payment_timing	string	The payment timing.
contract_securitiesbroker_keyterms_id	bigint	The contract securities broker keyterms ID.

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data_map.contract_text

The plain text of a contract.

Column	Type	Definition
contract_id	string	None
google_drive_id	string	None
filename	string	None
filetype	string	None
fullname	string	None
text	string	None

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data_map.contract_trust

Information about trust accounts.

Column	Type	Definition
contract_trust_id	bigint	The unique identifier for the contract trust.
contract_id	bigint	The unique identifier for the contract.
contract_reinsurance_id	bigint	The unique identifier for the reinsurance contract.
bank_id	bigint	The unique identifier for the bank.
trustee_id	bigint	The unique identifier for the trustee company.
bank_trust_account_number	string	The bank trust account number (alphanumeric).
bank_income_account_number	string	The bank income account number (alphanumeric).
method_access_account	string	The method of accessing the account e.g. email, SSO, etc.
account_login_credential_name	string	The account login credential name in 1Password.

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data_map.contract_wording

Information on the wording of each clause of a contract.

Column	Type	Definition
contract_wording_id	bigint	The unique identifier for the contract wording.
contract_id	bigint	The unique identifier for the contract.
clause_number	string	The clause number in the contract.
clause_title	string	The clause title in the contract.
clause_text	string	The clause text in the contract.

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data_map.file

Information regarding the storage of all documents.

Column	Type	Definition
file_id	bigint	The unique identifier for the file.
status	string	The status of the file (failed, completed, etc)
description	string	The description of the file.
file_type	string	The type of the file (e.g. contract, bordereaux)
file_format	string	The format of the file (e.g. pdf)
file_name	string	The name of the file
file_path	string	The path of the file
sensitivity	string	The sensitivity of the file (e.g. confidential)
metadata	map	Any metadata associated with the file

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data_map.offering

Information related to the advertisement/marketing of a reinsurance transaction.

Column	Type	Definition
offering_id	bigint	The unique identifier for the offering.
name	string	The name of the offering.
description	string	The description of the offering.
status	string	The status of the offering (draft, live, closing, contracted, inactive).
offering_type	string	The type of the offering (primary, secondary).
approved	boolean	Whether the offering has been approved.
risk_underwriter_id	bigint	The unique identifier for the risk underwriting company.
multiple_keyterms	boolean	Whether the offering has multiple key terms.

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data_map.offering_keyterms

Information about the key terms for an offering.

Column	Type	Definition
offering_keyterms_id	bigint	The unique identifier of the offering key terms.
offering_id	bigint	The unique identifier of the offering.
cedant_ids	array	The unique identifier(s) of the cedant(s).
reinsurance_type	string	The type of reinsurance (treaty/facultative).
reinsurance_form	string	The form of reinsurance (quota-share, excess-of-loss, surpluss-share, aggregate-excess).
quota_share_percent	double	The premium percentage shared with the reinsurer.
subject_business	string	Description of the line of business being insured.
policy_group_id	bigint	The unique identifier of the policy group.
product_line	string	The product line of the offering (e.g. commercial-auto).
risk_period_start	date	The start date of the risk period.
risk_period_end	date	The end date of the risk period.
policy_max_limits	array	The maximum claim limit for each policy group.
coverage_type	string	The type of coverage (risk-attaching or loss-occuring).
coverage_layers_basis	string	The basis for the coverage layers (amount, percent-of-gross/net-premium).
coverage_layers_amounts	array	The amount of each coverage layer (attachment, exhaustion, placedpercent).
reinsurance_premium_basis	string	Basis for the reinsurance premium (amount, percent-of-gross/net-premium).
reinsurance_premium	double	The reinsurance premium percentage.
ceding_commission_basis	string	Basis for ceding commission (amount, percent-of-gross/net-premium).
min_ceding_commission	double	The minimum ceding commission percentage.
profit_commission_basis	string	Basis for profit commission (amount, percent-of-gross/net-premium).
profit_commission_amounts	array	The amount of each profit commission layer (attachment/exhaustion/profitsharing).
premium_maximum	decimal(17,2)	None
aggregate_limit_basis	string	Basis for the aggregate limit (amount, percent-of-gross/net-premium).
aggregate_limit	double	The aggregate limit percentage.
occurrence_limit_basis	string	Basis for the occurrence limit (amount, percent-of-gross/net-premium).
occurrence_limit	decimal(17,2)	The occurrence limit amount.
collateral_terms_id	bigint	The collateral terms unique identifier.

​

data_map.person

Information on specific people (for example, key employees) within a company.

Column	Type	Definition
person_id	bigint	The unique identifier of the person.
company_id	bigint	The unique identifier of the company the person is affiliated with.
fullname	string	The full name of the person.
email	string	The email address of the person.
firstname	string	The first name of the person.
lastname	string	The last name of the person.
title	string	The title of the person.
description	string	A description of the person or their role.
industry_experience	int	The number of years of industry experience the person has.
tenure	int	The number of years the person has been with the company.
linkedin	string	The linkedin URL of the person.

​

data_map.policy

The cumulative latest policy-level data as of the provided valuation_date.

Column	Type	Definition
policy_id	bigint	The unique identifier of the policy.
insurer_id	bigint	The unique identifier of the insurer company.
policy_group_id	bigint	The unique identifier of the policy group.
external_policy_id	string	The policy identifier provided by the insurer.
policy_effective_date	date	The date the policy became effective.
policy_expiration_date	date	The date the policy expires.
policy_cancellation_date	date	The date the policy was cancelled.
source_record_date	date	Date of the bordereaux file supplied by the cedant.
jurisdiction_country	string	The country the policy was issued in.
jurisdiction_province	string	The province or state was issued in.
coverage_types	array	The types of coverage under the policy.
deductibles	array	The deductibles for each coverage.
coverages	array	The amount of each coverage.
policy_limit_individual	array	The individual limit for each coverage.
policy_limit_occurance	array	The occurrence limit for each coverage.
policy_limit_aggregate	array	The aggregate limit for each coverage.
premium_collection_frequency	string	The frequency of premium collection (e.g. monthly, quarterly).
named_insured	string	The name of the named insured.
additional_insured	array	The names of any additional insured.
premium_written	decimal(17,2)	The premium written under the policy.
premium_earned	decimal(17,2)	The premium earned under the policy.
premium_collected	decimal(17,2)	The premium collected under the policy.
base_rate	double	The base rate for the policy.
manual_rate	double	The manual rate for the policy.
base_premium	decimal(17,2)	The base premium for the policy.
manual_premium	decimal(17,2)	The manual premium for the policy.
exposures	array	The exposure amount for each coverage
risk_factors	array	The risk factors for the policy.
details	map	Any policy-specific fields
other_data	array	Any other data fields
valuation_date	timestamp	Date the amounts were computed.
is_latest	boolean	None

​

bordereaux.silver_policy_snapshot

Premium as of a specific date.

Column	Type	Definition
policy_snapshot_id	bigint	The unique identifier for the policy snapshot.
policy_group_id	bigint	The unique identifier for the policy group that the policy belongs to.
contract_risk_period_id	bigint	The unique identifier for the contract risk period that the policy belongs to.
external_policy_id	string	The identifier assigned by the insurer for the policy.
source_record_date	date	The date of the BDX file supplied by the cedant.
policy_effective_date	date	The date the policy begins coverage.
policy_expiration_date	date	The date the policy expires.
policy_cancellation_date	date	The date the policy was cancelled if any.
earn_start_date	date	The date the policy begins earnings.
earn_stop_date	date	The date the policy stops earnings.
cedant_treaty_year	string	The treaty year the policy covers as supplied by the cedant.
written_country	string	The country the policy is written in.
written_province	string	The state or province the policy is written in.
policy_limit	decimal(17,2)	The total claims limit of the policy.
policy_deductible	decimal(17,2)	The deductible paid by the holder of the policy.
policy_details	map	Details specific to this policy and/or cedant (e.g. insured party).
policy_derived_details	map	Details derived from the policy and/or cedant (e.g. line of business).
epistemic_rank	string	The epistemic rank of the policy.
is_policy_event_date	boolean	Indicates whether the policy event date is the same as the source record date (usually false).
metadata	map	Metadata associated with the premium BDX file itself.
created_at	timestamp	The date the record was created in the database.
updated_at	timestamp	The date the record was last updated in the database.
is_latest	boolean	Indicates whether the record is the latest version of the premium file.
run_key	string	The unique identifier for the run of the premium BDX file.
policy_effective_date_raw	date	The date the policy begins coverage if different from the file date.
policy_expiration_date_raw	date	The date the policy expires if different from the file date.
policy_cancellation_date_raw	date	The date the policy was cancelled if any if different from the file date.
source_record_date_raw	date	The date the record was received if different from the file.
# Clustering Information
# col_name	data_type	comment

​

bordereaux.silver_claim_snapshot

Claims as of a specific date.

Column	Type	Definition
claim_snapshot_id	bigint	The unique identifier for a claim.
policy_group_id	bigint	The unique identifier for the policy group that the claim belongs to.
external_claim_id	string	The identifier assigned by the insurer for the claim.
external_policy_id	string	The identifier assigned by the insurer for the policy.
source_record_date	date	The date of the BDX file supplied by the cedant.
cedant_accounting_date	date	The date the claim was accounted for by the cedant.
policy_effective_date	date	The date the policy begins coverage.
cedant_treaty_year	string	The treaty year reported by the cedant.
currency	string	The currency the claim is denominated in.
claims_handler	string	The name of the claims handler if specified.
jurisdiction_country	string	The country the claim was filed in.
jurisdiction_province	string	The state or province the claim was filed in.
claim_details	map	Details specific to this type of claim and/or cedant
claim_derived_details	map	Details inferred by either the BDX file or the policy, including losses, reserves, and expenses.
claim_limit	decimal(17,2)	The limit of claims under the policy.
claim_deductible	decimal(17,2)	The deductible paid by the insured.
source_record_date_raw	date	The date of the claim supplied by the cedant if overridden by an overlay (for debugging only).
policy_effective_date_raw	date	The date the policy begins coverage if overridden by an overlay (for debugging only).
epistemic_rank	string	The data source of the claim (currently just “bordereau”).
metadata	map	Metadata about the BDX file itself.
is_latest	boolean	Whether this is the latest version of the claim file.
created_at	timestamp	The date the record was created in the database.
updated_at	timestamp	The date the record was last updated in the database.
contract_risk_period_id	bigint	The unique identifier for the contract risk period that the claim belongs to.
run_key	string	The unique identifier for the ingest job run (for debugging only)
# Clustering Information
# col_name	data_type	comment

​

bordereaux.gold_contract_compliance

Premium and Loss data as reconciled with the reinsurance contract.

Column	Type	Definition
primary_tag	string	Human readable combination of cedant and coverage type (e.g. “company.category-coverage”).
component_tag	string	Sub-tag, possibly the same as the primary tag.
cedant_treaty_year	string	The treaty year the policy covers as supplied by the cedant.
risk_period_start	date	The start date of the risk period covered by the poicy.
epistemic_rank	string	The data source of the record (currently just “bordereau”).
evaluation_date	date	The most recent date a BDX file was supplied by the cedant.
premium_written	decimal(38,2)	The total value of premium written on this program.
premium_cedant_earned	decimal(38,2)	The total earned premium reported by the cedant.
premium_cedant_collected	decimal(38,2)	The total paid premium reported by the cedant.
ibnr_cedant_load	decimal(38,2)	The incurred but not reported estimate by the cedant.
reported_loss	double	The total loss reported by the cedant.
uncapped_reported_loss	decimal(38,2)	The total loss reported by the cedant ignoring policy limits.
over_cap_reported_loss	double	The difference between the uncapped loss and the reported loss.
count_capped_reported_loss	bigint	The number of capped claims.
capped_reported_loss_claim_ids	array	Array of ids of capped claims.
paid_loss	double	Total amount paid out on the policy.
uncapped_paid_loss	decimal(38,2)	Total amount paid out on the policy ignoring policy limits.
over_cap_paid_loss	double	The difference between the uncapped paid loss and the paid loss.
count_capped_paid_loss	bigint	The number of capped claims.
capped_paid_loss_claim_ids	array	Array of ids of capped claims.
premium_written_source	string	The type of BDX file supplied for the premium written (currently “aggregate” or “policy_claim”).
premium_cedant_earned_source	string	The type of BDX file supplied for the premium earned (currently “aggregate” or “policy_claim”).
premium_cedant_collected_source	string	The type of BDX file supplied for the premium collected (currently “aggregate” or “policy_claim”).
ibnr_cedant_load_source	string	The type of BDX file supplied for the IBNR cedant load (currently “aggregate” or “policy_claim”).
reported_loss_source	string	The type of BDX file supplied for the reported loss (currently “aggregate” or “policy_claim”).
paid_loss_source	string	The type of BDX file supplied for the paid loss (currently “aggregate” or “policy_claim”).
occurrence_limit	int	The limit per claim under the policy.
claim_count	bigint	The total number of claims under the policy.

​

bordereaux.gold_cedant_loss_pick

The loss ratio predicted (“picked”) by the cedant.

Column	Type	Definition
policy_group_id	bigint	The unique identifier of the policy group
source_record_date	date	The date of the BDX file supplied by the cedant.
contract_risk_period_id	bigint	The unique identifier for the contract risk period that the policy belongs to.
cedant_loss_pick	double	The projected loss ratio by the cedant for the policy and risk period.