Insurance Policy Management

Overview

Insurance platform schema covering the full policy and claims lifecycle across auto, home, and life insurance lines. Models underwriting, premium collection, claims adjudication, and payout processing.

Key Design Decisions

• Multi-line Coverage: Policies can bundle multiple coverage types (liability + collision + comprehensive)
• Claims Workflow: Status-driven claims processing from FNOL through settlement
• Adjuster Assignment: Claim-to-adjuster matching with workload balancing
• Premium Scheduling: Recurring premium billing with grace period tracking

Tables

12-15 tables covering policyholders, policies, policy types, coverages, coverage types, premiums, claims, claim documents, adjusters, assessments, payouts, and agents.