Risk

An insurable risk item — the most architecturally significant domain resource.

• riskType identifies what kind of insurable thing this is
• characteristics[] capture structured attributes
• values[] capture financial valuations

Structure

Name	Card.	Type	Description
RRisk			An insurable risk item — the most architecturally significant domain resource.
●resourceType	1..1	"Risk"	Fixed resource type discriminator
●id	0..1	string	Logical id of this resource.
●meta	0..1	Meta	Metadata about the resource
●status	1..1	active | inactive | pending | disposed	Current status of this risk item
●riskType	1..1	CodeableConcept	The type of insurable risk. terminology
●description	0..1	string	Free-text description of the risk
●insured	0..1	Reference	Reference to the insured who owns or is responsible for this risk
●location	0..1	Reference	Reference to the physical location of this risk (for property-based risks)
[ ]characteristics	0..*	RiskCharacteristic	Structured attributes of the risk (polymorphic value pattern)
[ ]values	0..*	AssetValuation	Financial valuations of the risk
[ ]classifications	0..*	CodeableConcept	Risk classifications (e.g., ISO class codes, NAICS codes, fleet codes)
●effectivePeriod	0..1	Period	Period during which this risk is/was active or covered
[ ]coverages	0..*	Reference	References to Coverage resources that cover this risk
●partOf	0..1	Reference	Reference to a parent risk (e.g., equipment within a building, trailer attached to a vehicle)
●notes	0..1	string	Free-text notes about this risk
[ ]namedDrivers	0..*	NamedDriver	Named drivers on a personal auto policy risk
[ ]lienholders	0..*	Lienholder	Financial interest parties (lienholders, loss payees) on this risk
●garagingAddress	0..1	Address	Primary garaging location for mobile risks (vehicles, trailers)

Example

{
  "resourceType": "Risk",
  "id": "risk-veh-001",
  "status": "active",
  "riskType": {
    "coding": [
      {
        "code": "vehicle",
        "display": "Vehicle"
      }
    ]
  },
  "characteristics": [
    {
      "code": {
        "text": "VIN"
      },
      "valueString": "1HGBH41JXMN109186"
    },
    {
      "code": {
        "text": "Year"
      },
      "valueInteger": 2023
    },
    {
      "code": {
        "text": "Make"
      },
      "valueString": "Honda"
    },
    {
      "code": {
        "text": "Model"
      },
      "valueString": "Civic"
    }
  ],
  "values": [
    {
      "type": {
        "text": "Stated Value"
      },
      "amount": {
        "value": 28000,
        "currency": "USD"
      }
    }
  ]
}

JSON Schema

Full JSON Schema: Risk.schema.json