{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "$ref": "#/definitions/Coverage",
  "definitions": {
    "Coverage": {
      "type": "object",
      "properties": {
        "resourceType": {
          "type": "string",
          "const": "Coverage",
          "description": "Fixed resource type discriminator"
        },
        "id": {
          "type": "string",
          "description": "Logical id of this resource. Assigned by the server or originating system."
        },
        "meta": {
          "$ref": "#/definitions/Meta",
          "description": "Metadata about the resource"
        },
        "status": {
          "type": "string",
          "enum": [
            "active",
            "inactive",
            "pending"
          ],
          "description": "Whether this coverage is currently active"
        },
        "policy": {
          "$ref": "#/definitions/Reference",
          "description": "Reference to the parent policy"
        },
        "lineOfBusiness": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Line of business for this coverage (GL, Property, WC, Auto, etc.)"
        },
        "limits": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/CoverageLimit"
          },
          "description": "Coverage limits"
        },
        "deductible": {
          "$ref": "#/definitions/Deductible",
          "description": "Structured deductible definition"
        },
        "premium": {
          "$ref": "#/definitions/Premium",
          "description": "Structured premium definition"
        },
        "coverageExtensions": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/CoverageExtension"
          },
          "description": "Specific coverage features or extensions"
        },
        "classifications": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/Classification"
          },
          "description": "Locations or classes covered under this section"
        },
        "coinsurancePercentage": {
          "type": "number",
          "description": "Coinsurance percentage, if applicable"
        },
        "risks": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/Reference"
          },
          "description": "References to Risk resources covered under this coverage section"
        },
        "specialty": {
          "$ref": "#/definitions/InsuranceSpecialty",
          "description": "Insurance specialty / line-of-business detail for this coverage"
        },
        "coveragePart": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Coverage part identifier (e.g., HO: A=Dwelling, B=Other Structures, C=Personal Property, D=Loss of Use, E=Personal Liability, F=Medical Payments)."
        },
        "scheduledItems": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/ScheduledItem"
          },
          "description": "Scheduled personal property items under this coverage"
        },
        "exclusions": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/Exclusion"
          },
          "description": "Exclusions applicable to this coverage"
        },
        "conditions": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/PolicyCondition"
          },
          "description": "Conditions, warranties, and protective safeguard requirements"
        },
        "forms": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/InsuranceForm"
          },
          "description": "Standard form references applicable to this coverage"
        }
      },
      "required": [
        "lineOfBusiness",
        "policy",
        "resourceType",
        "status"
      ],
      "additionalProperties": false,
      "description": "A specific coverage section within a policy. Each coverage defines the limits, deductibles, and terms for a particular line of business or coverage part (e.g., General Liability, Property, Auto).",
      "examples": [
        {
          "resourceType": "Coverage",
          "id": "cov-gl-001",
          "status": "active",
          "policy": {
            "reference": "Policy/pol-2025-1001"
          },
          "lineOfBusiness": {
            "coding": [
              {
                "code": "GL",
                "display": "General Liability"
              }
            ]
          },
          "limits": [
            {
              "type": {
                "text": "Each Occurrence"
              },
              "amount": {
                "value": 1000000,
                "currency": "USD"
              }
            },
            {
              "type": {
                "text": "General Aggregate"
              },
              "amount": {
                "value": 2000000,
                "currency": "USD"
              }
            }
          ],
          "deductible": {
            "value": 5000,
            "currency": "USD"
          },
          "premium": {
            "value": 42000,
            "currency": "USD"
          }
        }
      ]
    },
    "Meta": {
      "type": "object",
      "properties": {
        "versionId": {
          "type": "string",
          "description": "Version-specific identifier for this resource version. Changes each time the resource is updated."
        },
        "lastUpdated": {
          "type": "string",
          "description": "When this resource was last updated.",
          "format": "date-time"
        },
        "source": {
          "type": "string",
          "description": "URI identifying the originating system that created or last modified this resource.",
          "format": "uri"
        },
        "tag": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/Coding"
          },
          "description": "Security or access control tags"
        }
      },
      "additionalProperties": false,
      "description": "Metadata about a resource instance. Tracks versioning, provenance, and timestamps."
    },
    "Coding": {
      "type": "object",
      "properties": {
        "system": {
          "type": "string",
          "description": "The code system URI that defines the code.",
          "format": "uri"
        },
        "code": {
          "type": "string",
          "description": "The code value from the code system"
        },
        "display": {
          "type": "string",
          "description": "Human-readable display text for the code"
        }
      },
      "required": [
        "code"
      ],
      "additionalProperties": false,
      "description": "A coded value from a defined code system. Used throughout BIND for standardized enumerations.",
      "examples": [
        {
          "system": "https://bind.codes/line-of-business",
          "code": "GL",
          "display": "General Liability"
        }
      ]
    },
    "Reference": {
      "type": "object",
      "properties": {
        "reference": {
          "type": "string",
          "description": "Relative or absolute reference to another resource. Format: `{ResourceType}/{id}` for relative references."
        },
        "type": {
          "type": "string",
          "description": "The resource type being referenced"
        },
        "display": {
          "type": "string",
          "description": "Text alternative for the reference (e.g. display name)"
        }
      },
      "additionalProperties": false,
      "description": "A reference from one BIND resource to another.",
      "examples": [
        {
          "reference": "Insured/ins-789",
          "display": "Acme Corp"
        }
      ]
    },
    "CodeableConcept": {
      "type": "object",
      "properties": {
        "coding": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/Coding"
          },
          "description": "Code(s) from formal code systems"
        },
        "text": {
          "type": "string",
          "description": "Plain text representation of the concept"
        }
      },
      "additionalProperties": false,
      "description": "A concept with a coding and optional text. Wraps one or more Coding values with a human-readable summary."
    },
    "CoverageLimit": {
      "type": "object",
      "properties": {
        "type": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "The type of limit (Each Occurrence, Aggregate, Per Person, etc.)"
        },
        "amount": {
          "$ref": "#/definitions/Money",
          "description": "The limit amount (either amount or splitAmounts should be present)"
        },
        "splitAmounts": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/SplitLimitComponent"
          },
          "description": "Split limit components (e.g., auto liability 100/300/100)"
        },
        "shared": {
          "type": "boolean",
          "description": "Whether this limit is shared across multiple coverages"
        },
        "basisType": {
          "type": "string",
          "description": "Basis type for the limit (e.g., \"per occurrence\", \"per location\", \"per project\")"
        },
        "isSublimit": {
          "type": "boolean",
          "description": "Whether this is a sublimit of a broader coverage limit"
        },
        "parentLimit": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "The parent limit this sublimit falls under"
        },
        "attachmentPoint": {
          "$ref": "#/definitions/Money",
          "description": "Attachment point for excess/umbrella layers"
        },
        "eroded": {
          "$ref": "#/definitions/Money",
          "description": "Amount of the limit that has been eroded by losses"
        },
        "remaining": {
          "$ref": "#/definitions/Money",
          "description": "Remaining limit after erosion"
        },
        "reinstatements": {
          "type": "number",
          "description": "Number of times the limit can be reinstated after a loss"
        }
      },
      "required": [
        "type"
      ],
      "additionalProperties": false,
      "description": "A specific limit of insurance within a coverage. Commercial policies typically have multiple limit types (e.g., per-occurrence, aggregate, per-person).",
      "examples": [
        {
          "type": {
            "text": "Each Occurrence"
          },
          "amount": {
            "value": 1000000,
            "currency": "USD"
          }
        }
      ]
    },
    "Money": {
      "type": "object",
      "properties": {
        "value": {
          "type": "number",
          "description": "Numeric amount. Represented as a number; precision should be maintained by the consuming system."
        },
        "currency": {
          "type": "string",
          "description": "ISO 4217 currency code.",
          "default": "USD"
        }
      },
      "required": [
        "value"
      ],
      "additionalProperties": false,
      "description": "A monetary amount with currency.",
      "examples": [
        {
          "value": 1000000,
          "currency": "USD"
        }
      ]
    },
    "SplitLimitComponent": {
      "type": "object",
      "properties": {
        "category": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "The category of this split limit component (e.g., Per Person BI, Per Accident BI, PD)."
        },
        "amount": {
          "$ref": "#/definitions/Money",
          "description": "The limit amount for this component"
        }
      },
      "required": [
        "category",
        "amount"
      ],
      "additionalProperties": false,
      "description": "A component of a split limit structure. Used when a coverage has separate limits for different categories (e.g., auto liability split limits: 100/300/100)."
    },
    "Deductible": {
      "type": "object",
      "properties": {
        "amount": {
          "$ref": "#/definitions/Money",
          "description": "The deductible amount (required for fixed-amount deductibles, optional for percentage-based)"
        },
        "type": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "How the deductible applies."
        },
        "application": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "How loss adjustment expenses (ALAE/LAE) interact with the deductible."
        },
        "isSIR": {
          "type": "boolean",
          "description": "Whether this is a Self-Insured Retention (SIR) rather than a traditional deductible. SIRs require the insured to handle claims within the retention before the carrier responds."
        },
        "aggregateAmount": {
          "$ref": "#/definitions/Money",
          "description": "Aggregate cap on deductible obligations in a policy period"
        },
        "corridorPercentage": {
          "type": "number",
          "description": "Corridor percentage (used in corridor deductible structures). Expressed as a percentage of the loss amount."
        },
        "franchiseAmount": {
          "$ref": "#/definitions/Money",
          "description": "Franchise deductible threshold — losses below this are fully retained; above, fully covered"
        },
        "disappearingThreshold": {
          "$ref": "#/definitions/Money",
          "description": "Disappearing deductible threshold — deductible phases out above this loss amount"
        },
        "percentage": {
          "type": "number",
          "description": "Percentage-based deductible (e.g., 2% hurricane deductible).",
          "minimum": 0,
          "maximum": 100
        },
        "percentageBasis": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "What the percentage is applied to (e.g., \"Coverage A dwelling value\", \"total insured value\")"
        },
        "description": {
          "type": "string",
          "description": "Free-text description of deductible terms"
        }
      },
      "required": [
        "type"
      ],
      "additionalProperties": false,
      "description": "A structured deductible definition for a coverage section. Replaces the inline `Money` deductible and separate `deductibleType` fields, capturing the full complexity of insurance deductible structures including SIRs, corridors, franchises, and disappearing deductibles.",
      "examples": [
        {
          "amount": {
            "value": 25000,
            "currency": "USD"
          },
          "type": "per-occurrence",
          "application": "loss-only",
          "isSIR": false,
          "aggregateAmount": {
            "value": 100000,
            "currency": "USD"
          }
        }
      ]
    },
    "Premium": {
      "type": "object",
      "properties": {
        "writtenPremium": {
          "$ref": "#/definitions/Money",
          "description": "The written (booked) premium for this coverage"
        },
        "minimumPremium": {
          "$ref": "#/definitions/Money",
          "description": "Minimum premium — floor below which premium cannot be reduced"
        },
        "depositPremium": {
          "$ref": "#/definitions/Money",
          "description": "Deposit premium — amount due at inception for auditable policies"
        },
        "estimatedPremium": {
          "$ref": "#/definitions/Money",
          "description": "Estimated premium — projected premium based on estimated exposures"
        },
        "auditedPremium": {
          "$ref": "#/definitions/Money",
          "description": "Audited premium — final premium determined by premium audit"
        },
        "basis": {
          "$ref": "#/definitions/PremiumBasis",
          "description": "How the premium was calculated (rate, basis, exposure)"
        },
        "adjustments": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/PremiumAdjustment"
          },
          "description": "Premium modifications and adjustments (experience mod, schedule credits, etc.)"
        },
        "isAuditable": {
          "type": "boolean",
          "description": "Whether this coverage is subject to premium audit"
        },
        "installments": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/PremiumInstallment"
          },
          "description": "Payment installment schedule"
        },
        "allocationByLocation": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/PremiumAllocation"
          },
          "description": "Premium allocation by location or classification"
        }
      },
      "required": [
        "writtenPremium"
      ],
      "additionalProperties": false,
      "description": "Comprehensive premium structure for a coverage section. Replaces the inline `Money` premium, `rate`, `rateBasis`, `exposure`, and `experienceModFactor` fields, capturing the full lifecycle of insurance premium from estimate through audit.",
      "examples": [
        {
          "writtenPremium": {
            "value": 42000,
            "currency": "USD"
          },
          "depositPremium": {
            "value": 21000,
            "currency": "USD"
          },
          "basis": {
            "ratePerUnit": 2.45,
            "rateBasis": {
              "text": "per $100 of payroll"
            },
            "exposureAmount": {
              "value": 1500000,
              "unit": "payroll"
            }
          },
          "isAuditable": true
        }
      ]
    },
    "PremiumBasis": {
      "type": "object",
      "properties": {
        "ratePerUnit": {
          "type": "number",
          "description": "Rate per unit of exposure (e.g., 2.45 per $100 of payroll)"
        },
        "rateBasis": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Description of the rate basis (e.g., \"per $100 of payroll\", \"per $1,000 of revenue\")."
        },
        "exposureAmount": {
          "$ref": "#/definitions/Quantity",
          "description": "The exposure measure used in the calculation"
        },
        "basePremium": {
          "$ref": "#/definitions/Money",
          "description": "Base premium before adjustments (if flat-rated or minimum applies)"
        }
      },
      "additionalProperties": false,
      "description": "The rating basis used to calculate premium. Captures the rate, what it's applied to, and the exposure measure."
    },
    "Quantity": {
      "type": "object",
      "properties": {
        "value": {
          "type": "number",
          "description": "Numeric value"
        },
        "unit": {
          "type": "string",
          "description": "Unit of measure (e.g. \"sqft\", \"vehicles\", \"employees\")"
        },
        "system": {
          "type": "string",
          "description": "Code system URI for the unit.",
          "format": "uri"
        },
        "code": {
          "type": "string",
          "description": "Coded form of the unit"
        }
      },
      "required": [
        "value"
      ],
      "additionalProperties": false,
      "description": "A quantity with a value and unit.",
      "examples": [
        {
          "value": 50000,
          "unit": "sqft"
        }
      ]
    },
    "PremiumAdjustment": {
      "type": "object",
      "properties": {
        "type": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Type of adjustment (experience-mod, schedule-credit, schedule-debit, IRPM, etc.)"
        },
        "factor": {
          "type": "number",
          "description": "Multiplicative factor (e.g., 0.85 = 15% credit, 1.15 = 15% debit)"
        },
        "amount": {
          "$ref": "#/definitions/Money",
          "description": "Fixed dollar adjustment amount"
        },
        "description": {
          "type": "string",
          "description": "Description of the adjustment"
        }
      },
      "required": [
        "type"
      ],
      "additionalProperties": false,
      "description": "A premium adjustment or modification factor. Represents experience modifications, schedule credits/debits, IRPMs, and similar adjustments.",
      "examples": [
        {
          "type": {
            "text": "Experience Modification"
          },
          "factor": 0.85,
          "description": "15% credit based on 3-year loss history"
        }
      ]
    },
    "PremiumInstallment": {
      "type": "object",
      "properties": {
        "installmentNumber": {
          "type": "number",
          "description": "Installment sequence number"
        },
        "dueDate": {
          "type": "string",
          "description": "Date the installment is due.",
          "format": "date"
        },
        "amount": {
          "$ref": "#/definitions/Money",
          "description": "Installment amount"
        },
        "status": {
          "type": "string",
          "enum": [
            "due",
            "paid",
            "overdue",
            "waived"
          ],
          "description": "Payment status"
        }
      },
      "required": [
        "installmentNumber",
        "dueDate",
        "amount"
      ],
      "additionalProperties": false,
      "description": "A premium payment installment."
    },
    "PremiumAllocation": {
      "type": "object",
      "properties": {
        "location": {
          "$ref": "#/definitions/Reference",
          "description": "Reference to the location this premium is allocated to"
        },
        "classification": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Classification or category for this allocation"
        },
        "risk": {
          "$ref": "#/definitions/Reference",
          "description": "Reference to the risk this premium is allocated to (for per-vehicle breakdowns)"
        },
        "amount": {
          "$ref": "#/definitions/Money",
          "description": "Allocated premium amount"
        }
      },
      "required": [
        "amount"
      ],
      "additionalProperties": false,
      "description": "Premium allocation to a specific location or classification. Used for multi-location policies and state-by-state breakdowns."
    },
    "CoverageExtension": {
      "type": "object",
      "properties": {
        "type": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Name or type of the extension."
        },
        "included": {
          "type": "boolean",
          "description": "Whether this extension is included or excluded"
        },
        "sublimit": {
          "$ref": "#/definitions/Money",
          "description": "Sublimit for this extension, if applicable"
        },
        "additionalPremium": {
          "$ref": "#/definitions/Money",
          "description": "Additional premium for this extension"
        },
        "description": {
          "type": "string",
          "description": "Description or notes about this extension"
        }
      },
      "required": [
        "type",
        "included"
      ],
      "additionalProperties": false,
      "description": "An additional coverage feature, extension, or sublimit. Examples: Hired & Non-Owned Auto, Employee Benefits Liability, Blanket Additional Insured."
    },
    "Classification": {
      "type": "object",
      "properties": {
        "classCode": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "The classification or class code"
        },
        "exposure": {
          "$ref": "#/definitions/Quantity",
          "description": "Exposure measure for this classification"
        },
        "rate": {
          "type": "number",
          "description": "Rate applied to this classification"
        },
        "premium": {
          "$ref": "#/definitions/Money",
          "description": "Premium for this classification"
        },
        "location": {
          "$ref": "#/definitions/Reference",
          "description": "Location reference, if class is location-specific"
        },
        "description": {
          "type": "string",
          "description": "Description of operations at this classification"
        }
      },
      "required": [
        "classCode"
      ],
      "additionalProperties": false,
      "description": "A classification or class code within a coverage. Used to categorize exposure units, particularly in GL and WC.",
      "examples": [
        {
          "classCode": {
            "code": "91580",
            "display": "Machine Shop NOC"
          },
          "exposure": {
            "value": 1500000,
            "unit": "payroll"
          },
          "rate": 2.45,
          "premium": {
            "value": 36750,
            "currency": "USD"
          }
        }
      ]
    },
    "InsuranceSpecialty": {
      "type": "object",
      "properties": {
        "line": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Primary line of business (GL, Property, WC, Auto, etc.)"
        },
        "subLine": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Sub-line or coverage part (Products/Completed Ops, Premises, etc.)"
        },
        "ratingBureau": {
          "$ref": "#/definitions/Coding",
          "description": "Rating bureau or advisory organization (ISO, NCCI, AAIS)."
        },
        "formNumber": {
          "type": "string",
          "description": "Standard form number (e.g., CG 00 01, CP 00 10)"
        },
        "program": {
          "type": "string",
          "description": "Named program, if applicable"
        }
      },
      "required": [
        "line"
      ],
      "additionalProperties": false,
      "description": "A specialty or line-of-business classification. Describes the specific insurance products, forms, and rating bureaus associated with a coverage, department, or person's expertise.",
      "examples": [
        {
          "line": {
            "coding": [
              {
                "code": "GL",
                "display": "General Liability"
              }
            ]
          },
          "ratingBureau": {
            "code": "ISO",
            "display": "Insurance Services Office"
          },
          "formNumber": "CG 00 01"
        }
      ]
    },
    "ScheduledItem": {
      "type": "object",
      "properties": {
        "category": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Category of the item (jewelry, fine-art, musical-instruments, firearms, etc.)"
        },
        "description": {
          "type": "string",
          "description": "Description of the specific item"
        },
        "value": {
          "$ref": "#/definitions/Money",
          "description": "Appraised or agreed value of the item"
        },
        "serialNumber": {
          "type": "string",
          "description": "Serial number or other unique identifier for the item"
        },
        "appraisal": {
          "$ref": "#/definitions/Attachment",
          "description": "Reference to an appraisal document"
        },
        "appraisalDate": {
          "type": "string",
          "description": "Date of the most recent appraisal.",
          "format": "date"
        },
        "make": {
          "type": "string",
          "description": "Manufacturer or maker"
        },
        "model": {
          "type": "string",
          "description": "Model name or number"
        },
        "year": {
          "type": "number",
          "description": "Year of manufacture or creation"
        }
      },
      "required": [
        "category",
        "description",
        "value"
      ],
      "additionalProperties": false,
      "description": "A scheduled personal property item. High-value items (jewelry, art, musical instruments, firearms, etc.) that exceed standard personal property sublimits and require individual scheduling.",
      "examples": [
        {
          "category": {
            "text": "Jewelry"
          },
          "description": "Diamond engagement ring, 2.5 carat princess cut",
          "value": {
            "value": 15000,
            "currency": "USD"
          },
          "appraisalDate": "2024-11-01"
        }
      ]
    },
    "Attachment": {
      "type": "object",
      "properties": {
        "contentType": {
          "type": "string",
          "description": "MIME type of the content.",
          "examples": [
            "application/pdf"
          ]
        },
        "url": {
          "type": "string",
          "description": "URI where the attachment data can be retrieved.",
          "format": "uri"
        },
        "title": {
          "type": "string",
          "description": "Human-readable title for the attachment"
        },
        "creation": {
          "type": "string",
          "description": "Date the attachment was created.",
          "format": "date-time"
        }
      },
      "additionalProperties": false,
      "description": "An attachment or document reference. Used for loss runs, applications, endorsement forms, etc."
    },
    "Exclusion": {
      "type": "object",
      "properties": {
        "code": {
          "$ref": "#/definitions/CodeableConcept"
        },
        "description": {
          "type": "string"
        },
        "effectivePeriod": {
          "$ref": "#/definitions/Period"
        },
        "buybackAvailable": {
          "type": "boolean"
        },
        "endorsementRef": {
          "$ref": "#/definitions/Reference"
        }
      },
      "required": [
        "code"
      ],
      "additionalProperties": false,
      "description": "A structured exclusion on a coverage or policy.",
      "examples": [
        {
          "code": {
            "coding": [
              {
                "code": "pollution",
                "display": "Pollution Exclusion"
              }
            ]
          },
          "description": "Total pollution exclusion per standard ISO form",
          "buybackAvailable": true
        }
      ]
    },
    "Period": {
      "type": "object",
      "properties": {
        "start": {
          "type": "string",
          "description": "Start of the period (inclusive).",
          "format": "date"
        },
        "end": {
          "type": "string",
          "description": "End of the period (inclusive).",
          "format": "date"
        }
      },
      "additionalProperties": false,
      "description": "A time period defined by a start and/or end date. Used for policy terms, coverage periods, etc.",
      "examples": [
        {
          "start": "2025-01-01",
          "end": "2026-01-01"
        }
      ]
    },
    "PolicyCondition": {
      "type": "object",
      "properties": {
        "code": {
          "$ref": "#/definitions/CodeableConcept"
        },
        "type": {
          "$ref": "#/definitions/CodeableConcept"
        },
        "description": {
          "type": "string"
        },
        "effectivePeriod": {
          "$ref": "#/definitions/Period"
        }
      },
      "required": [
        "code",
        "type"
      ],
      "additionalProperties": false,
      "description": "A policy condition, warranty, or protective safeguard requirement.",
      "examples": [
        {
          "code": {
            "coding": [
              {
                "code": "sprinkler-maintenance",
                "display": "Sprinkler Maintenance"
              }
            ]
          },
          "type": "protective-safeguard",
          "description": "Automatic sprinkler system must be maintained per NFPA 25"
        }
      ]
    },
    "InsuranceForm": {
      "type": "object",
      "properties": {
        "formNumber": {
          "type": "string"
        },
        "editionDate": {
          "type": "string",
          "format": "date"
        },
        "formType": {
          "$ref": "#/definitions/CodeableConcept"
        },
        "bureau": {
          "$ref": "#/definitions/CodeableConcept"
        },
        "title": {
          "type": "string"
        }
      },
      "required": [
        "formNumber"
      ],
      "additionalProperties": false,
      "description": "A reference to a standard insurance form.",
      "examples": [
        {
          "formNumber": "CG 00 01",
          "editionDate": "2013-04",
          "formType": "bureau",
          "bureau": {
            "coding": [
              {
                "code": "iso",
                "display": "ISO"
              }
            ]
          },
          "title": "Commercial General Liability Coverage Form"
        }
      ]
    }
  },
  "$id": "https://bind-standard.org/schema/Coverage",
  "title": "Coverage"
}