#194 added ids to coverages and explanatory notes for classes of bus…

…iness

Docs/Notes.rst

@@ -41,6 +41,49 @@ Examples of combining peril codes:
 
 |
 
+Coverage Values
+###############
+
+|
+
+There are explicit coverage codes in OED for property and cyber classes of business.
+
+**Property**
+
+For property insurance policies, 1Building, 2Other, 3Contents and 4BI are covered under a policy if a value greater than zero is entered into the fields BuildingTIV, OtherTIV, ContentsTIV, BITIV, respectively.  
+
+Any deductibles and limits that apply to these coverages are specified using the financial fields with the coverage codes embedded in the field names. e.g. PolDed1Building.
+
+**Cyber**
+
+For cyber insurance policies, coverage should be specified using the 'PolCoverage' field. Multiple coverages are indicated by entering a semi-colon-separated list as shown in the examples table.
+
+|
+
+**Examples** 
+|
+
+.. csv-table::
+    :widths: 30,25
+    :header: "Example", "PolCoverage"
+
+    "Single coverage","EXT"
+    "Multiple coverages", "BI;CBI;DIAS;EXT;REG"
+    "All cyber coverages", "CYB"
+
+
+|
+
+If the PolCoverage field is not present, the default value is 'CYB', i.e. the policy covers all cyber coverages.
+
+Any deductibles and limits that apply to specific coverages are specified using the financial fields with the coverage codes embedded in the field names. e.g. PolDedEXT.
+
+**Liability**
+
+Liability insurance policies do not have explicit coverage codes in OED. Instead the liability coverage should be described using the CoverageClassDescription field, which is a required feild. The coverage of defense costs may be specified using the DefenceCost field.
+
+|
+
 Conditionally Required (CR) fields
 ##################################
 

OpenExposureData/CoverageValues.csv

@@ -0,0 +1,17 @@
+"CoverageID","CoverageCode","Description","Type","1st/3rd party"
+"1","1Building","Structure","Property","n/a"
+"2","2Other","Other structure","Property","n/a"
+"3","3Contents","Contents","Property","n/a"
+"4","4BI","Business interruption or time element (property)","Property","n/a"
+"5","5PD","Property Damage (1-3 combined)","Property","n/a"
+"6","6All","All property coverages (1-4 combined)","Property","n/a"
+"7","BI","Business Interruption (non-property)","Cyber","1st"
+"8","CBI","Contingent Business Interruption","Cyber","1st"
+"9","DIAS","Digital Assets (data, software and/or hardware recovery/replacement)","Cyber","1st"
+"10","EXT","Extortion  (ransom amounts, negotiation fees, reward payments)","Cyber","1st"
+"11","FIN","Financial Fraud - Theft of electronic funds, goods, services","Cyber","1st"
+"12","INRE","Incident Response (IT Forensics, response obligations assessment, public relations, notifications and customer relations, monitoring services)","Cyber","1st"
+"13","LIAB","Liability - 3rd party cyber liability (e.g. Network security, privacy, media) and directly associated costs (e.g legal defence costs)","Cyber","3rd"
+"14","REG","Regulatory and payment card industry (PCI) fines and proceedings","Cyber","3rd"
+"15","ENO","Errors & Omissions/Professional indemnity liability","Cyber","E&O"
+"16","CYB","All Cyber coverages","Cyber","n/a"