{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/at-bay/main/json-schema/at-bay-policy-schema.json",
  "title": "At-Bay Policy",
  "description": "Bound policy resource for Surplus Cyber, Tech E&O, or MPL coverage issued by At-Bay.",
  "type": "object",
  "required": ["policy_id", "insurance_product", "status"],
  "properties": {
    "policy_id": { "type": "string" },
    "quote_identifier": { "type": "string" },
    "company_id": { "type": "string" },
    "insurance_product": {
      "type": "string",
      "enum": ["CYB", "TEO", "MPL"]
    },
    "status": {
      "type": "string",
      "enum": ["policy_active", "policy_cancelled", "policy_expired"]
    },
    "renewal_type": {
      "type": "string",
      "enum": ["auto", "manual"],
      "description": "Auto-renewal generates a renewal quote automatically; manual must be initiated by the broker."
    },
    "conditional_binding": {
      "type": "boolean",
      "description": "True when the policy is active subject to contingency fulfillment within 30 days."
    },
    "premium": { "type": "number" },
    "coverage_limit": { "type": "integer" },
    "retention": { "type": "integer" },
    "effective_date": { "type": "string", "format": "date" },
    "expiration_date": { "type": "string", "format": "date" },
    "documents": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "document_id": { "type": "string" },
          "type": { "type": "string" },
          "filename": { "type": "string" }
        }
      }
    }
  }
}