Submission

A submission represents a request for insurance coverage sent from a broker to a carrier. This is the starting point of the insurance workflow.

Structure

Name	Card.	Type	Description
RSubmission			A submission represents a request for insurance coverage sent from a broker to a carrier.
●resourceType	1..1	"Submission"	Fixed resource type discriminator
●id	0..1	string	Logical id of this resource.
●meta	0..1	Meta	Metadata about the resource
●status	1..1	draft | submitted | in-review | quoted | declined | bound | withdrawn | expired	Current status of the submission in the workflow.
●insured	1..1	Reference	Reference to the insured entity
●broker	0..1	Reference	Reference to the submitting broker/agent organization
●carrier	0..1	Reference	Reference to the target carrier/underwriter organization
●requestedEffective	0..1	Period	Requested policy effective period
[ ]linesOfBusiness	0..*	CodeableConcept	Lines of business being requested (GL, Property, Auto, WC, etc.) terminology
●targetPremium	0..1	Money	Target premium range, if the broker has a budget in mind.
●submissionType	0..1	CodeableConcept	Is this a new business submission or a renewal? terminology
●submittedDate	0..1	string	Date/time the submission was sent to the carrier.
●responseDeadline	0..1	string	Date by which the carrier should respond.
[ ]supportingDocuments	0..*	Attachment	Supporting documents (applications, loss runs, SOVs, etc.)
●notes	0..1	string	Free-text notes or special instructions from the broker
●expiringPolicy	0..1	Reference	Reference to the expiring policy, if this is a renewal.
[ ]resultingQuotes	0..*	Reference	Reference to the resulting quote(s), if any
[ ]risks	0..*	Reference	References to Risk resources included in this submission
[ ]lossHistory	0..*	LossHistory	Historical loss experience for underwriting evaluation
[ ]questions	0..*	QuestionResponse	Underwriting question responses

Example

{
  "resourceType": "Submission",
  "id": "sub-2025-001",
  "status": "submitted",
  "insured": {
    "reference": "Insured/ins-001",
    "display": "Acme Manufacturing Corp"
  },
  "broker": {
    "reference": "Organization/broker-100",
    "display": "Marsh McLennan"
  },
  "carrier": {
    "reference": "Organization/carrier-200",
    "display": "Hartford Financial"
  },
  "requestedEffective": {
    "start": "2025-07-01",
    "end": "2026-07-01"
  },
  "linesOfBusiness": [
    {
      "coding": [
        {
          "system": "https://bind.codes/lob",
          "code": "GL",
          "display": "General Liability"
        }
      ]
    }
  ],
  "submittedDate": "2025-04-15T09:00:00Z"
}

JSON Schema

Full JSON Schema: Submission.schema.json