{
  "summary": "Commercial Cyber Liability Underwriting Submission",
  "description": "Example of a cyber liability underwriting submission for a mid-size technology company, following ACORD data standards.",
  "submissionId": "sub-2026-abc123",
  "externalReference": "BRK-2026-00547",
  "submittedAt": "2026-05-03T09:00:00Z",
  "status": "submitted",
  "broker": {
    "partyId": "party-broker-001",
    "name": "Acme Insurance Brokers LLC",
    "type": "broker",
    "taxId": "12-3456789",
    "address": {
      "street1": "100 Broker Lane",
      "city": "Chicago",
      "state": "IL",
      "postalCode": "60601",
      "country": "US"
    },
    "contact": {
      "email": "submissions@acmebrokers.com",
      "phone": "+1-312-555-0100"
    }
  },
  "insured": {
    "partyId": "party-insured-456",
    "name": "Quantum Software Solutions Inc.",
    "type": "organization",
    "taxId": "98-7654321",
    "address": {
      "street1": "555 Tech Park Drive",
      "city": "Austin",
      "state": "TX",
      "postalCode": "78701",
      "country": "US"
    }
  },
  "risk": {
    "lineOfBusiness": "cyber",
    "naicsCode": "541511",
    "description": "Software development company providing SaaS HR management tools to enterprise clients. Processes personally identifiable information for approximately 500,000 end users.",
    "annualRevenue": 12500000,
    "numberOfEmployees": 85,
    "yearsInBusiness": 7,
    "locations": [
      {
        "street1": "555 Tech Park Drive",
        "city": "Austin",
        "state": "TX",
        "postalCode": "78701",
        "country": "US"
      }
    ],
    "priorLosses": []
  },
  "requestedCoverages": [
    {
      "coverageType": "cyber-liability",
      "effectiveDate": "2026-06-01",
      "expirationDate": "2027-06-01",
      "limitAmount": 5000000,
      "deductibleAmount": 50000
    },
    {
      "coverageType": "network-business-interruption",
      "effectiveDate": "2026-06-01",
      "expirationDate": "2027-06-01",
      "limitAmount": 2000000,
      "deductibleAmount": 25000
    }
  ],
  "documents": [
    {
      "documentId": "doc-001",
      "name": "ACORD 133 Cyber Application",
      "type": "acord-application",
      "mimeType": "application/pdf",
      "uploadedAt": "2026-05-03T08:45:00Z"
    }
  ],
  "notes": "Clean loss history. SOC 2 Type II certified. Requesting competitive pricing for 3-year relationship."
}