{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "$ref": "#/definitions/Insured",
  "definitions": {
    "Insured": {
      "type": "object",
      "properties": {
        "resourceType": {
          "type": "string",
          "const": "Insured",
          "description": "Fixed resource type discriminator"
        },
        "id": {
          "type": "string",
          "description": "Logical id of this resource. Assigned by the server or originating system."
        },
        "meta": {
          "$ref": "#/definitions/Meta",
          "description": "Metadata about the resource"
        },
        "status": {
          "type": "string",
          "enum": [
            "active",
            "inactive",
            "prospect"
          ],
          "description": "Whether this insured record is currently active"
        },
        "name": {
          "type": "string",
          "description": "Legal name of the insured entity"
        },
        "type": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Whether the insured is an individual or an organization."
        },
        "dba": {
          "type": "string",
          "description": "Doing-business-as name, if different from the legal name."
        },
        "taxId": {
          "$ref": "#/definitions/Coding",
          "description": "Federal Tax Identification Number (EIN or SSN). Stored as a coded value with system identifier."
        },
        "naicsCode": {
          "$ref": "#/definitions/Coding",
          "description": "NAICS (North American Industry Classification System) code describing the insured's primary business activity."
        },
        "sicCode": {
          "$ref": "#/definitions/Coding",
          "description": "SIC (Standard Industrial Classification) code. Legacy classification system still used by some carriers."
        },
        "address": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/Address"
          },
          "description": "Physical and mailing addresses"
        },
        "contact": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/ContactPoint"
          },
          "description": "Contact information (phone, email, etc.)"
        },
        "yearEstablished": {
          "type": "number",
          "description": "Year the business was established.",
          "minimum": 1600,
          "maximum": 2100
        },
        "employeeCount": {
          "type": "number",
          "description": "Total number of employees.",
          "minimum": 0
        },
        "annualRevenue": {
          "type": "object",
          "properties": {
            "value": {
              "type": "number",
              "description": "Revenue amount"
            },
            "currency": {
              "type": "string",
              "description": "ISO 4217 currency code.",
              "default": "USD"
            }
          },
          "required": [
            "value"
          ],
          "additionalProperties": false,
          "description": "Annual revenue of the insured entity"
        },
        "website": {
          "type": "string",
          "description": "The entity's website"
        },
        "entityType": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Legal entity type."
        },
        "partOf": {
          "$ref": "#/definitions/Reference",
          "description": "Reference to a parent organization, if this insured is a subsidiary"
        },
        "individualName": {
          "$ref": "#/definitions/HumanName",
          "description": "Structured name for individual insureds"
        },
        "dateOfBirth": {
          "type": "string",
          "description": "Date of birth of the individual insured.",
          "format": "date"
        },
        "gender": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Gender of the individual insured."
        },
        "maritalStatus": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Marital status of the individual insured."
        },
        "occupation": {
          "type": "string",
          "description": "Occupation of the individual insured"
        },
        "creditScoreTier": {
          "$ref": "#/definitions/CodeableConcept",
          "description": "Credit score tier for rating purposes"
        },
        "lossHistory": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/LossHistory"
          },
          "description": "Portable loss history across policies for this insured"
        }
      },
      "required": [
        "name",
        "resourceType",
        "status",
        "type"
      ],
      "additionalProperties": false,
      "description": "An insured entity in the BIND system. Represents the policyholder — a business or individual seeking or holding insurance coverage.",
      "examples": [
        {
          "resourceType": "Insured",
          "id": "ins-001",
          "status": "active",
          "name": "Acme Manufacturing Corp",
          "type": "organization",
          "taxId": {
            "system": "urn:oid:2.16.840.1.113883.4.4",
            "value": "12-3456789"
          },
          "naicsCode": {
            "code": "332710",
            "display": "Machine Shops"
          },
          "address": [
            {
              "line": [
                "123 Industrial Blvd"
              ],
              "city": "Hartford",
              "state": "CT",
              "postalCode": "06103"
            }
          ],
          "contact": [
            {
              "system": "email",
              "value": "risk@acme.com",
              "use": "work"
            }
          ],
          "yearEstablished": 1985,
          "annualRevenue": {
            "value": 25000000,
            "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": {
            "$ref": "#/definitions/Coding"
          },
          "description": "Security or access control tags"
        }
      },
      "additionalProperties": false,
      "description": "Metadata about a resource instance. Tracks versioning, provenance, and timestamps."
    },
    "Coding": {
      "type": "object",
      "properties": {
        "system": {
          "type": "string",
          "description": "The code system URI that defines the code.",
          "format": "uri"
        },
        "code": {
          "type": "string",
          "description": "The code value from the code system"
        },
        "display": {
          "type": "string",
          "description": "Human-readable display text for the code"
        }
      },
      "required": [
        "code"
      ],
      "additionalProperties": false,
      "description": "A coded value from a defined code system. Used throughout BIND for standardized enumerations.",
      "examples": [
        {
          "system": "https://bind.codes/line-of-business",
          "code": "GL",
          "display": "General Liability"
        }
      ]
    },
    "CodeableConcept": {
      "type": "object",
      "properties": {
        "coding": {
          "type": "array",
          "items": {
            "$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."
    },
    "Address": {
      "type": "object",
      "properties": {
        "use": {
          "type": "string",
          "enum": [
            "work",
            "mailing",
            "billing",
            "loss-location",
            "home",
            "old"
          ],
          "description": "Purpose of this address"
        },
        "type": {
          "type": "string",
          "enum": [
            "postal",
            "physical",
            "both"
          ],
          "description": "The type of address (postal, physical, or both)"
        },
        "text": {
          "type": "string",
          "description": "Full unstructured text representation of the address"
        },
        "line": {
          "type": "array",
          "items": {
            "type": "string"
          },
          "description": "Street address lines"
        },
        "city": {
          "type": "string",
          "description": "City or municipality"
        },
        "district": {
          "type": "string",
          "description": "County or district. Critical for insurance rating territories and jurisdiction determination."
        },
        "state": {
          "type": "string",
          "description": "State, province, or region"
        },
        "postalCode": {
          "type": "string",
          "description": "Postal / ZIP code"
        },
        "country": {
          "type": "string",
          "description": "ISO 3166-1 alpha-2 country code.",
          "default": "US"
        },
        "period": {
          "$ref": "#/definitions/Period",
          "description": "Period during which this address was/is in use"
        },
        "geoPoint": {
          "$ref": "#/definitions/GeoPoint",
          "description": "Geographic coordinates of this address"
        }
      },
      "additionalProperties": false,
      "description": "A physical or mailing address.",
      "examples": [
        {
          "use": "work",
          "type": "both",
          "line": [
            "123 Main St",
            "Suite 400"
          ],
          "city": "Hartford",
          "state": "CT",
          "postalCode": "06103",
          "country": "US",
          "district": "Hartford County"
        }
      ]
    },
    "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"
        }
      ]
    },
    "GeoPoint": {
      "type": "object",
      "properties": {
        "latitude": {
          "type": "number",
          "description": "Latitude in decimal degrees.",
          "minimum": -90,
          "maximum": 90
        },
        "longitude": {
          "type": "number",
          "description": "Longitude in decimal degrees.",
          "minimum": -180,
          "maximum": 180
        },
        "altitude": {
          "type": "number",
          "description": "Altitude in meters above sea level"
        }
      },
      "required": [
        "latitude",
        "longitude"
      ],
      "additionalProperties": false,
      "description": "A geographic point in WGS84 coordinates. Used for precise location of insured properties, loss locations, etc."
    },
    "ContactPoint": {
      "type": "object",
      "properties": {
        "system": {
          "type": "string",
          "enum": [
            "phone",
            "fax",
            "email",
            "url"
          ],
          "description": "The type of contact point"
        },
        "value": {
          "type": "string",
          "description": "The actual contact value (phone number, email address, etc.)"
        },
        "use": {
          "type": "string",
          "enum": [
            "work",
            "home",
            "mobile"
          ],
          "description": "Purpose of this contact point"
        }
      },
      "required": [
        "value"
      ],
      "additionalProperties": false,
      "description": "Contact information for a person or organization."
    },
    "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"
        }
      ]
    },
    "HumanName": {
      "type": "object",
      "properties": {
        "use": {
          "type": "string",
          "enum": [
            "official",
            "usual",
            "nickname",
            "maiden",
            "old",
            "anonymous"
          ],
          "description": "Context in which this name is used"
        },
        "text": {
          "type": "string",
          "description": "Full text representation of the name (e.g., \"John A. Smith, CPCU\")"
        },
        "family": {
          "type": "string",
          "description": "Surname / family name"
        },
        "given": {
          "type": "array",
          "items": {
            "type": "string"
          },
          "description": "Given names (first name, middle names)"
        },
        "prefix": {
          "type": "array",
          "items": {
            "type": "string"
          },
          "description": "Name prefixes (Mr., Dr., etc.)"
        },
        "suffix": {
          "type": "array",
          "items": {
            "type": "string"
          },
          "description": "Name suffixes and professional designations (Jr., CPCU, ARM, CIC)"
        },
        "period": {
          "$ref": "#/definitions/Period",
          "description": "Period during which this name was/is in use"
        }
      },
      "additionalProperties": false,
      "description": "A human name with structured components. Adapted for insurance industry use (e.g., professional designations like CPCU, ARM, CIC).",
      "examples": [
        {
          "use": "official",
          "text": "John A. Smith, CPCU",
          "family": "Smith",
          "given": [
            "John",
            "Andrew"
          ],
          "suffix": [
            "CPCU"
          ]
        }
      ]
    },
    "LossHistory": {
      "type": "object",
      "properties": {
        "period": {
          "$ref": "#/definitions/Period"
        },
        "carrier": {
          "$ref": "#/definitions/Reference"
        },
        "policyNumber": {
          "type": "string"
        },
        "lineOfBusiness": {
          "$ref": "#/definitions/CodeableConcept"
        },
        "totalClaims": {
          "type": "number"
        },
        "totalIncurred": {
          "$ref": "#/definitions/Money"
        },
        "totalPaid": {
          "$ref": "#/definitions/Money"
        },
        "openClaims": {
          "type": "number"
        },
        "largeLosses": {
          "type": "array",
          "items": {
            "$ref": "#/definitions/LargeLoss"
          }
        },
        "lossRatio": {
          "$ref": "#/definitions/BindPercentage",
          "minimum": 0,
          "maximum": 100
        }
      },
      "required": [
        "period"
      ],
      "additionalProperties": false,
      "description": "Summary of historical loss experience for a specific period and line of business. Used in submissions and underwriting to evaluate risk quality.",
      "examples": [
        {
          "period": {
            "start": "2022-01-01",
            "end": "2023-01-01"
          },
          "carrier": {
            "reference": "Organization/carrier-200",
            "display": "Hartford"
          },
          "policyNumber": "CGL-2022-001",
          "lineOfBusiness": {
            "coding": [
              {
                "code": "GL",
                "display": "General Liability"
              }
            ]
          },
          "totalClaims": 3,
          "totalIncurred": {
            "value": 125000,
            "currency": "USD"
          },
          "totalPaid": {
            "value": 95000,
            "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"
        }
      ]
    },
    "LargeLoss": {
      "type": "object",
      "properties": {
        "dateOfLoss": {
          "type": "string",
          "format": "date"
        },
        "description": {
          "type": "string"
        },
        "lossType": {
          "$ref": "#/definitions/CodeableConcept"
        },
        "totalIncurred": {
          "$ref": "#/definitions/Money"
        },
        "status": {
          "type": "string",
          "enum": [
            "open",
            "closed",
            "reserved"
          ]
        }
      },
      "required": [
        "dateOfLoss",
        "description",
        "totalIncurred"
      ],
      "additionalProperties": false,
      "description": "A large individual loss event within a loss history period.",
      "examples": [
        {
          "dateOfLoss": "2023-03-15",
          "description": "Warehouse fire caused by electrical fault",
          "lossType": {
            "coding": [
              {
                "code": "fire",
                "display": "Fire"
              }
            ]
          },
          "totalIncurred": {
            "value": 450000,
            "currency": "USD"
          },
          "status": "closed"
        }
      ]
    },
    "BindPercentage": {
      "type": "number",
      "description": "A percentage value between 0 and 100. Used for commission percentages, coinsurance rates, and loss ratios.",
      "minimum": 0,
      "maximum": 100
    }
  },
  "$id": "https://bind-standard.org/schema/Insured",
  "title": "Insured"
}