> ## Documentation Index > Fetch the complete documentation index at: https://docs.bridgelinepf.com/llms.txt > Use this file to discover all available pages before exploring further. # Coverage types > How to describe what each policy covers, and how to map your system's line names onto ours. Every policy lists the lines it covers in `coverages`, each with a `type` from a fixed list. A package policy lists each line: ```json theme={null} "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. ```bash cURL theme={null} curl https://portal.bridgelinepf.com/api/v1/coverage-types \ -H "Authorization: Bearer $BRIDGELINE_API_KEY" ``` ```javascript Node theme={null} 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() ``` ```python Python theme={null} 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"] ``` ```jsonc 200 OK (abridged) theme={null} { "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: 1. Call `GET /v1/coverage-types` and match your line names against each type's `name` and `aliases`. 2. Review the matches by hand, and store the mapping in your system. 3. 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: ```json theme={null} { "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`. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.