Coverage types

Every policy lists the lines it covers in coverages, each with a type from a fixed list. A package policy lists each line:

"coverages": [
  { "type": "general_liability" },
  { "type": "commercial_property", "description": "Commercial Property (Ex-Wind)" }
]

The type describes the coverage, not the insured’s industry. A restaurant’s liquor liability policy is liquor_liability, not “restaurant”. Sub-coverages and sublimits (business income, uninsured motorist, breach response) aren’t separate types; put them in the parent line’s description if you want them recorded.

Get the list

GET /v1/coverage-types returns every type with its definition, the common names it goes by, and any flags. It needs no scope, so any key can call it.

curl https://portal.bridgelinepf.com/api/v1/coverage-types \
  -H "Authorization: Bearer $BRIDGELINE_API_KEY"

const res = await fetch('https://portal.bridgelinepf.com/api/v1/coverage-types', {
  headers: {
    Authorization: `Bearer ${process.env.BRIDGELINE_API_KEY}`,
  },
})
const { data: coverageTypes } = await res.json()

import os
import requests

res = requests.get(
    "https://portal.bridgelinepf.com/api/v1/coverage-types",
    headers={
        "Authorization": f"Bearer {os.environ['BRIDGELINE_API_KEY']}",
    },
    timeout=30,
)
coverage_types = res.json()["data"]

200 OK (abridged)

{
  "object": "list",
  "data": [
    {
      "type": "general_liability",
      "name": "General Liability",
      "definition": "Third-party bodily injury, property damage and personal/advertising injury from premises, operations and products.",
      "aliases": ["CGL", "GL", "Commercial General Liability", "Premises Liability", "Products/Completed Operations", "Trucker's General Liability"],
      "flags": []
    },
    {
      "type": "windstorm",
      "name": "Windstorm",
      "definition": "Standalone wind, hail or named-storm property policy, including wind deductible buybacks.",
      "aliases": ["Named Storm", "Named Wind", "Wind Only", "Wind/Hail", "Cat Wind", "Wind Deductible Buyback"],
      "flags": ["verify_minimum_earned"]
    }
    // ...24 more
  ]
}

Map your line names

Your agency management system has its own names for lines of business. Build the mapping once:

Call GET /v1/coverage-types and match your line names against each type’s name and aliases.
Review the matches by hand, and store the mapping in your system.
Map anything that doesn’t fit to other, with your line name as the description.

aliases are there to help you build that mapping. The API accepts only type values, never an alias. Send "type": "CGL" and you get a 422 with a hint:

{
  "code": "UNKNOWN_VALUE",
  "param": "policies[0].coverages[0].type",
  "message": "\"CGL\" is not a coverage type. Did you mean \"general_liability\"?"
}

We never guess a type for you, because the type feeds eligibility.

Flags

A flag changes how a line is treated, but never stops you quoting it:

Flag	What happens
`verify_minimum_earned`	Priced as usual, with a `VERIFY_MINIMUM_EARNED` warning. These lines are often fully earned or have a seasonal minimum earned; confirm it before binding
`review`	Priced, with a `REVIEW_COVERAGE` warning so the broker reviews it
`not_financeable`	Accepted, but the quote comes back `ineligible` with `COVERAGE_NOT_FINANCEABLE` in `eligibility.reasons`

Every type

`type`	Name	Covers	Flags
`general_liability`	General Liability	Third-party bodily injury, property damage and personal/advertising injury from premises, operations and products.
`liquor_liability`	Liquor Liability	Liability for serving or selling alcohol.
`umbrella_excess`	Umbrella / Excess Liability	Umbrella or excess liability over other liability policies.
`pollution_environmental`	Pollution / Environmental	Contractors, site, transportation, products and storage-tank pollution liability.
`abuse_molestation`	Abuse & Molestation	Standalone sexual abuse, molestation or misconduct liability.
`commercial_property`	Commercial Property	Direct physical loss to buildings and business personal property, including ex-wind forms.
`windstorm`	Windstorm	Standalone wind, hail or named-storm property policy, including wind deductible buybacks.	`verify_minimum_earned`
`builders_risk`	Builder’s Risk	Property in the course of construction.	`verify_minimum_earned`
`equipment_breakdown`	Equipment Breakdown	Mechanical or electrical breakdown of equipment.
`inland_marine`	Inland Marine	Movable or specialized property: contractors’ equipment, installation floaters, EDP, fine arts.
`flood`	Flood	Flood written as its own policy.
`commercial_auto`	Commercial Auto	Liability and physical damage for business-owned autos, trucks and tractors.
`motor_truck_cargo`	Motor Truck Cargo	Freight in transit on the insured’s trucks.
`ocean_marine`	Ocean Marine	Hull, protection and indemnity, marine liability and marine cargo.
`aviation`	Aviation	Aircraft hull and liability, hangarkeepers.
`workers_compensation`	Workers’ Compensation	Statutory workers’ compensation and employers’ liability.
`occupational_accident`	Occupational Accident	Texas non-subscriber occupational accident or employer indemnity programs (not workers’ compensation).	`review`
`professional_liability`	Professional Liability	Errors and omissions in professional services, including lawyers, architects and engineers, contractors.
`directors_officers`	Directors’ & Officers’	Management liability of directors and officers.
`employment_practices`	Employment Practices	Wrongful termination, discrimination and harassment claims by employees.
`fiduciary_liability`	Fiduciary Liability	ERISA and benefit-plan fiduciary liability.
`crime`	Crime	Employee theft, forgery, computer and funds-transfer fraud, money and securities.
`cyber`	Cyber	Breach response, network security and privacy, cyber extortion, media liability.
`farm`	Farm	Commercial farm or ranch property and liability (not crop insurance).
`surety_bond`	Surety Bond	Surety, license and permit bonds.	`not_financeable`
`other`	Other	Anything not covered above; a `description` is required.

We add types over time and never rename one. If you read a type you don’t recognize, treat it as other.

Get started

Guides

Going to production

Concepts

Resources

Get the list

Map your line names

Flags

Every type

​Get the list

​Map your line names

​Flags

​Every type

Get the list

Map your line names

Flags

Every type