QBE Insurance · Schema
Generated-2
InsuranceAustraliaProperty and CasualtyCommercial InsuranceUnderwritingPolicy AdministrationQuotesReinsuranceCarrierPartner API
Properties
| Name | Type | Description |
|---|---|---|
| policy | object |
JSON Schema
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "https://raw.githubusercontent.com/api-evangelist/qbe/main/json-schema/qbe-generated-2-schema.json",
"title": "Generated-2",
"x-generated": "2026-10-20",
"x-method": "derived",
"x-generator": "derive-json-schema.py",
"x-source": "openapi/qbe-digital-brokers-api-openapi.yml#/components/schemas/Generated-2",
"required": [
"policy"
],
"type": "object",
"properties": {
"policy": {
"$ref": "#/$defs/PolicyType_2"
}
},
"x-amf-examples": {
"BPK Liability Request Example": {
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2022-03-30",
"effectiveDate": "2022-03-30",
"expiryDate": "2023-03-30",
"quoteExpiryDate": "2023-03-30",
"product": "BPK"
},
"subProductCd": "B"
},
"customerParty": {
"orgName": "OrgTest",
"location": {
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000"
},
"firstName": "Albert",
"lastName": "Smith"
},
"risks": [
{
"riskNumber": 1,
"partnerId": "Loc1",
"riskReferenceId": "999",
"riskClassCode": "BPP",
"riskMode": "A",
"riskAttachmentDate": "2022-03-30",
"riskEffectiveDate": "2022-03-30",
"location": {
"partnerId": "Loc1",
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000",
"situationTurnover": 0,
"situationNumber": ""
},
"riskDetail": {
"riskBPKLiability": {
"occupationCode": "421050",
"occupationDescription": "Hairdressing Service",
"business": "Hairdressing Service",
"numberOfEmployees": 5,
"limitOfLiability": 20000000,
"liabilityExcess": 500,
"goodsInPhysicalControl": 25000,
"tenantsFireLiability": 0,
"annualTurnover": 0,
"propertyOwnersDesc": "NO",
"propertyValue": 0,
"paymentToContractors": 0,
"liabilityExposure": "B",
"adjustmentIndicator": true,
"adjustmentPercentage": 0
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {
"text": "false"
}
},
{
"questionId": "2",
"answer": {
"text": "false"
}
},
{
"questionId": "3",
"answer": {
"text": "false"
}
},
{
"questionId": "4",
"answer": {
"text": "false"
}
}
]
}
},
"BPK Fire & Business Interruption Request Example": {
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2021-05-21",
"effectiveDate": "2021-05-21",
"expiryDate": "2021-06-03",
"product": "BPK"
},
"subProductCd": "B"
},
"customerParty": {
"orgName": "OrgTest",
"location": {
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000"
},
"firstName": "John",
"lastName": "Smith",
"taxIndicator": "I",
"taxPercent": 0
},
"risks": [
{
"riskNumber": 1,
"partnerId": "location-a",
"riskReferenceId": "999",
"riskClassCode": "BFP",
"riskMode": "A",
"inceptionDate": "2021-05-21",
"riskAttachmentDate": "2021-05-21",
"effectiveDate": "2021-05-21",
"riskEffectiveDate": "2021-05-21",
"clauses": [
{
"clauseWording": [
{
"riskClass": "",
"premiumClass": "PROPERTY",
"clauseCode": "",
"clauseDescription": "BROKER1 FLOOD INCLUSION",
"clauseWordingLines": [
{
"wording": "Test"
}
]
}
]
}
],
"location": {
"partnerId": "location-a",
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000",
"situationTurnover": 0,
"situationNumber": ""
},
"riskDetail": {
"riskBPKFireBusinessInterruption": {
"occupationCode": "573045",
"occupationDescription": "Cafe Operation",
"business": "Cafe Operation",
"govermentResidential": "N",
"fire": {
"construction": "3",
"yearBuilt": "2010",
"sprinkler": "Y",
"townWater": "Y",
"buildingSI": 0,
"contentsSI": 87500,
"contentsExcess": 500,
"flood": "Y",
"adjustmentIndicator": false,
"adjustmentPercentage": 0
},
"businessInterruption": {
"indemnityPeriod": "3",
"grossIncomeSI": 70000,
"grossIncomeExcess": 500,
"ICOWSI": 25000,
"weeklyIncomeSI": 0,
"weeksCovered": 0,
"claimsPreparationCosts": 10000,
"OSAcctRecSI": 7500,
"OSAcctRecExcess": 500,
"adjustmentIndicator": false,
"adjustmentPercentage": 0
}
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {
"text": "false"
}
},
{
"questionId": "2",
"answer": {
"text": "false"
}
},
{
"questionId": "3",
"answer": {
"text": "false"
}
},
{
"questionId": "4",
"answer": {
"text": "false"
}
}
]
}
},
"BPK Theft Money and Glass Request Example": {
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2021-05-21",
"effectiveDate": "2021-05-21",
"expiryDate": "2021-06-05",
"product": "BPK"
}
},
"customerParty": {
"orgName": "AllanCo",
"location": {
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000"
},
"firstName": "Robert",
"lastName": "Smith",
"taxIndicator": "N",
"taxPercent": 0
},
"risks": [
{
"riskNumber": 1,
"partnerId": "location-a",
"riskReferenceId": "999",
"riskClassCode": "BPO",
"riskMode": "A",
"riskAttachmentDate": "2021-05-21",
"riskEffectiveDate": "2021-05-21",
"location": {
"partnerId": "location-a",
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000",
"situationTurnover": 0,
"situationNumber": ""
},
"riskDetail": {
"riskBPKTheftMoneyGlass": {
"occupationCode": "573045",
"occupationDescription": "Cafe Operation",
"business": "Cafe Operation",
"govermentResidential": "N",
"theft": {
"contentsSI": 4000,
"theftExcess": 500,
"stockSI": 0,
"tobaccoSI": 0,
"liquorSI": 0,
"WOForcibleEntrySI": 0,
"security": "B",
"securityDesc": "",
"adjustmentIndicator": false,
"adjustmentPercentage": 0
},
"money": {
"inTransitSI": 1000,
"moneyExcess": 500,
"inResidenceSI": 1000,
"busHrsSI": 1000,
"afterHrsSI": 1000,
"inSafeSI": 1000,
"blanketCover": "N",
"blanketCoverDesc": "",
"blanketCoverSI": 5000,
"adjustmentIndicator": false,
"adjustmentPercentage": 0
},
"glass": {
"numberIlluminatedSigns": 0,
"illuminatedSignsSI": 0,
"glassExcess": 500,
"largestPaneOfGlass": "B",
"largestPaneOfGlassDesc": "",
"adjustmentIndicator": false,
"adjustmentPercentage": 0
}
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {
"text": "false"
}
},
{
"questionId": "2",
"answer": {
"text": "false"
}
},
{
"questionId": "3",
"answer": {
"text": "false"
}
},
{
"questionId": "4",
"answer": {
"text": "false"
}
}
]
}
},
"MPA Private Motor Request Example": {
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2021-06-23",
"effectiveDate": "2021-06-23",
"product": "BPK"
}
},
"customerParty": {
"orgName": "TestOrganization",
"location": {
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000"
},
"firstName": "John",
"lastName": "Citizen",
"taxIndicator": "N",
"taxPercent": 0
},
"risks": [
{
"riskNumber": 1,
"partnerId": "Loc1",
"riskReferenceId": "999",
"riskClassCode": "MSA",
"riskMode": "A",
"riskAttachmentDate": "2021-06-23",
"riskEffectiveDate": "2021-06-23",
"location": {
"partnerId": "Loc1",
"addressLine1": "24 Lux Street",
"city": "Sydney",
"stateCode": "NSW",
"postalCode": "2000",
"moniker": "",
"situationTurnover": 0,
"situationNumber": ""
},
"riskDetail": {
"riskMSAPrivateMotor": {
"coverDetails": {
"coverCode": "1",
"thirdPartyLimit": 30000000
},
"driverDetails": {
"nominatedDriver": [
{
"nominatedDriverName": "EMBS",
"nominatedDriverSex": "M",
"nominatedDriverDOB": "1980-07-01",
"nominatedDriverUse": 100
}
]
},
"vehicleDetails": {
"redbookCode": "FORD2010AL",
"registrationNumber": "1234",
"engineNumber": "EMBS",
"accessoryDetails": {
"accessories": [
{
"detailAccessoryCode": "ABG",
"sumInsured": 3000
}
]
},
"modificationDetails": {
"modifications": [
{
"modCode": ""
}
]
}
},
"underwritingDetails": {
"vehicledModified": "N",
"financeType": "1",
"postCodeGaragedNight": "2000",
"purposeOfUse": "P",
"noClaimBonus": "-060",
"youngDrivers": "N",
"gatewayPurposeOfUse": "PX",
"dangerousGoodsSublimit": "500000"
}
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {
"text": "false"
}
},
{
"questionId": "2",
"answer": {
"text": "false"
}
},
{
"questionId": "3",
"answer": {
"text": "false"
}
},
{
"questionId": "4",
"answer": {
"text": "false"
}
}
]
}
}
},
"$defs": {
"PolicyType_2": {
"title": "PolicyType",
"required": [
"customerParty",
"risks",
"questions"
],
"type": "object",
"properties": {
"policyHeader": {
"type": "object",
"properties": {
"variableCommRate": {
"type": "number"
},
"brokerFeeTotal": {
"type": "number"
},
"commissionType": {
"enum": [
"VARIABLE"
],
"type": "string"
},
"subProductCd": {
"type": "string"
},
"cancelReasonCode": {
"enum": [
"CL",
"PR",
"DC",
"TL",
"IC",
"OG",
"IE",
"LR",
"ER",
"NR",
"CO",
"NP",
"PS"
],
"type": "string",
"description": "Reason codes for Cancellation of the existing policy CL - Cancelled (Payout) PR - Policy Replaced DC - Declined by Company TL - Total Loss IC - Found cheaper Policy OG - Outside Guidelines IE - Insured Elsewhere LR - Loan Refinance ER - Error Correction NR - Not Required CO - Cooling Off NP - Non-Payment PS - Property Sold"
},
"policyTransactionInformation": {
"required": [
"inceptionDate",
"product"
],
"type": "object",
"properties": {
"inceptionDate": {
"type": "string",
"description": "Inception date of the policy in format `yyyy-mm-dd`",
"format": "date"
},
"effectiveDate": {
"type": "string",
"description": "Effective Date in the format in format `yyyy-mm-dd`. Defaulted to inceptionDate if not provided",
"format": "date"
},
"expiryDate": {
"type": "string",
"description": "Expiry date in the format `yyyy-mm-dd`. Defaulted to inceptionDate + 1 year if not provided",
"format": "date"
},
"product": {
"enum": [
"BPK",
"MSA",
"MPA",
"MVA"
],
"type": "string"
},
"policyNumber": {
"type": "string"
},
"policyStatus": {
"type": "string"
},
"policyMessageStatus": {
"type": "string"
},
"deleteReferIfExist": {
"type": "boolean"
},
"returnStatusInResponse": {
"type": "boolean"
},
"partialDeclineAllowed": {
"type": "boolean"
},
"terminateRisksNotPassed": {
"type": "boolean"
},
"transactionType": {
"enum": [
"NEW_QUOTE",
"CONVERT_QUOTE",
"ENDORSEMENT",
"RENEWAL",
"RENEWAL_AMEND",
"CANCEL"
],
"type": "string"
}
}
},
"PDSDetails": {
"required": [
"QMNumber",
"versionNo",
"url"
],
"type": "object",
"properties": {
"QMNumber": {
"type": "string"
},
"versionNo": {
"type": "string"
},
"url": {
"type": "string"
}
}
}
}
},
"customerParty": {
"required": [
"location"
],
"type": "object",
"properties": {
"firstName": {
"type": "string"
},
"lastName": {
"type": "string"
},
"taxIndicator": {
"enum": [
"I",
"P",
"T",
"N",
"X"
],
"type": "string"
},
"taxPercent": {
"type": "number"
},
"orgName": {
"type": "string"
},
"orgABN": {
"pattern": "^(\\d *?){11}$",
"type": "string"
},
"businessName": {
"type": "string"
},
"tradingName": {
"type": "string"
},
"businessEntity": {
"type": "string",
"description": "TBD"
},
"emailNotification": {
"type": "boolean"
},
"contact": {
"type": "object",
"properties": {
"primaryEmailAddress": {
"pattern": "^([a-zA-Z0-9_\\-\\.]+)@([a-zA-Z0-9_\\-\\.]+)\\.([a-zA-Z]{2,5})$",
"type": "string"
},
"mobilePhoneNumber": {
"type": "string"
},
"workPhoneNumber": {
"type": "string"
},
"homePhoneNumber": {
"type": "string"
}
}
},
"location": {
"$ref": "#/$defs/type_9"
}
}
},
"risks": {
"type": "array",
"items": {
"$ref": "#/$defs/items_10"
}
},
"questions": {
"type": "array",
"items": {
"required": [
"questionId",
"answer"
],
"type": "object",
"properties": {
"questionId": {
"type": "string"
},
"answer": {
"required": [
"text"
],
"type": "object",
"properties": {
"text": {
"type": "string"
}
}
},
"historyDetailsList": {
"type": "array",
"items": {
"type": "object",
"properties": {
"itemDate": {
"type": "string"
},
"cause": {
"type": "string"
},
"riskClass": {
"type": "string"
},
"cost": {
"type": "number"
},
"detailLines": {
"type": "array",
"items": {
"type": "string"
}
}
}
}
}
}
}
},
"referral": {
"type": "object",
"properties": {
"reasons": {
"maxItems": 10,
"minItems": 1,
"type": "array",
"items": {
"type": "string"
}
}
}
},
"policyPremium": {
"$ref": "#/$defs/type"
}
},
"description": "This is a simplified instance of \"PolicyType\" containing fewer fields used by Experience API."
},
"items_10": {
"title": "Policy Risk",
"required": [
"partnerId",
"riskEffectiveDate",
"riskReferenceId",
"riskDetail"
],
"type": "object",
"properties": {
"partnerId": {
"type": "string"
},
"riskAttachmentDate": {
"type": "string",
"format": "date"
},
"riskClassCode": {
"enum": [
"BFP",
"BPO",
"BGM",
"BEI",
"BPP",
"BAC",
"BAL",
"MVA",
"MSA"
],
"type": "string"
},
"riskEffectiveDate": {
"type": "string",
"format": "date"
},
"terminationDate": {
"type": "string",
"format": "date"
},
"terminationReason": {
"enum": [
"TL"
],
"type": "string"
},
"riskMode": {
"enum": [
"A",
"V",
"M",
"T"
],
"type": "string",
"description": "Specifies if the risk is to be added (A), modified (M), view an existing risk (V) or terminate a risk (T) as a part of Endorsements."
},
"riskNumber": {
"type": "number"
},
"riskReferenceId": {
"type": "string"
},
"clauses": {
"type": "array",
"items": {
"$ref": "#/$defs/items_13"
}
},
"location": {
"$ref": "#/$defs/type_11"
},
"interestedParties": {
"type": "array",
"items": {
"$ref": "#/$defs/items_14"
}
},
"premium": {
"$ref": "#/$defs/type_12"
},
"riskDetail": {
"type": "object",
"properties": {
"riskBPKLiability": {
"$ref": "#/$defs/type_15"
},
"riskBPKFireBusinessInterruption": {
"$ref": "#/$defs/type_16"
},
"riskBPKGeneralPropertyMachineryBreakdown": {
"$ref": "#/$defs/type_17"
},
"riskBPKTheftMoneyGlass": {
"$ref": "#/$defs/type_18"
},
"riskMSAPrivateMotor": {
"$ref": "#/$defs/type_19"
},
"riskMVACommercialMotor": {
"$ref": "#/$defs/type_20"
},
"riskBPKEmployeeDishonestyTaxAuditTransit": {
"$ref": "#/$defs/type_21"
},
"riskBPKEmploymentLiability": {
"$ref": "#/$defs/type_22"
},
"riskBPKElectronicEquipment": {
"$ref": "#/$defs/type_23"
},
"riskHPKHome": {
"$ref": "#/$defs/type_24"
},
"riskPANPersonalInjuryType": {
"$ref": "#/$defs/type_25"
}
}
}
}
},
"items_13": {
"title": "Policy Risk Clause",
"required": [
"clauseWording"
],
"type": "object",
"properties": {
"clauseWording": {
"type": "array",
"items": {
"type": "object",
"properties": {
"effectiveDate": {
"type": "string",
"format": "date"
},
"riskClass": {
"type": "string"
},
"premiumClasses": {
"type": "array",
"items": {
"type": "string"
}
},
"clauseCode": {
"type": "string"
},
"clauseDescription": {
"type": "string"
},
"clauseWordingLines": {
"type": "array",
"items": {
"type": "object",
"properties": {
"wording": {
"type": "string"
},
"varNo": {
"type": "array",
"items": {
"type": "integer"
}
}
}
}
},
"clauseWordingVariable": {
"type": "array",
"items": {
"type": "object",
"properties": {
"title": {
"type": "string"
},
"type": {
"type": "string"
},
"length": {
"type": "string"
},
"indent": {
"type": "string"
},
"data": {
"type": "string"
}
}
}
}
}
}
}
}
},
"items_14": {
"title": "Policy Risk Interested Party",
"type": "object",
"properties": {
"name1": {
"type": "string"
},
"name2": {
"type": "string"
},
"address": {
"type": "object",
"properties": {
"addressLine1": {
"type": "string"
},
"addressLine2": {
"type": "string"
},
"addressLine3": {
"type": "string"
}
}
},
"type": {
"type": "string"
},
"description": {
"type": "string"
},
"terminatedDate": {
"type": "string"
}
}
},
"type": {
"title": "Policy Premium",
"type": "object",
"properties": {
"stampDutyExemptIndicator": {
"type": "string"
},
"FAPPremium": {
"type": "number"
},
"totalPostedToDatePremium": {
"type": "number"
},
"transactionPremium": {
"type": "number"
},
"adjustmentIndicator": {
"type": "boolean"
},
"adjustmentAmount": {
"type": "number"
},
"adjustmentPercentage": {
"type": "number"
}
}
},
"type_11": {
"title": "Policy Risk Location",
"required": [
"addressLine1",
"stateCode",
"city",
"postalCode"
],
"type": "object",
"properties": {
"addressLine1": {
"type": "string"
},
"partnerId": {
"type": "string"
},
"addressRelationshipType": {
"type": "string"
},
"situationNumber": {
"type": "string"
},
"addressLine3": {
"type": "string"
},
"moniker": {
"type": "string"
},
"situationTurnover": {
"type": "number"
},
"stateCode": {
"enum": [
"NSW",
"QLD",
"SA",
"TAS",
"VIC",
"WA",
"NT",
"ACT"
],
"type": "string"
},
"situationLocated": {
"type": "string"
},
"city": {
"type": "string"
},
"addressLine2": {
"type": "string"
},
"postalCode": {
"type": "string"
}
}
},
"type_12": {
"title": "Policy Risk Premium",
"required": [
"premiumClass"
],
"type": "object",
"properties": {
"brokerFee": {
"type": "number"
},
"brokerFeeGST": {
"type": "number"
},
"premiumClass": {
"type": "array",
"items": {
"required": [
"classType",
"FAPPremium",
"totalPostedToDatePremium",
"transactionPremium"
],
"type": "object",
"properties": {
"classType": {
"enum": [
"BFF",
"BLP",
"BBU",
"BMO",
"BPG",
"BPL",
"BGP",
"BMB",
"BMC",
"BAU",
"BDO",
"BEP",
"BFG",
"BPI",
"BPM",
"MVG",
"DTM",
"MSP"
],
"type": "string"
},
"FAPPremium": {
"$ref": "#/$defs/type_26"
},
"totalPostedToDatePremium": {
"$ref": "#/$defs/type_26"
},
"transactionPremium": {
"$ref": "#/$defs/type_26"
}
}
}
}
}
},
"type_15": {
"title": "Policy Risk for BPK Liability",
"required": [
"occupationCode"
],
"type": "object",
"properties": {
"occupationCode": {
"type": "string"
},
"occupationDescription": {
"type": "string"
},
"business": {
"type": "string"
},
"numberOfEmployees": {
"type": "number"
},
"limitOfLiability": {
"enum": [
5000000,
10000000,
20000000,
50000000
],
"type": "integer"
},
"liabilityExcess": {
"enum": [
500,
750,
1000,
1500,
2500,
5000,
10000
],
"type": "integer"
},
"liabilityExposure": {
"type": "string"
},
"productsLiability": {
"type": "integer"
},
"goodsInPhysicalControl": {
"type": "integer"
},
"tenantsFireLiability": {
"type": "integer"
},
"annualTurnover": {
"type": "integer"
},
"propertyOwners": {
"enum": [
"Yes",
"No"
],
"type": "string"
},
"propertyOwnersDesc": {
"type": "string"
},
"propertyValue": {
"type": "integer"
},
"paymentToContractors": {
"type": "integer"
},
"adjustmentIndicator": {
"type": "boolean"
},
"adjustmentPercentage": {
"type": "number"
}
}
},
"type_16": {
"title": "PolicyRiskBPKFireBusinessInterruption",
"required": [
"occupationCode"
],
# --- truncated at 32 KB (70 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/qbe/refs/heads/main/json-schema/qbe-generated-2-schema.json
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