Applied Epic is a system that contains insurance data like a digital family tree. It puts the customer at the top and breaks their information down into organized layers—from the overall policy to the smallest details—making everything easy to find and reuse.

In the personal lines, data is organized through a clear hierarchy. It starts at the client level for basic contact info, moves to the policy level for general terms, and then drills down into the line levels that include vehicles, drivers, and so on.

The detailed structure is described below with some examples: 

1. Account Details (Clients): The Foundation of All Data

In Applied EPIC, the Client record is the top-level entity and is available in the Account Details section. Policies, contacts, and transaction records are created only after the client is added.

At the client level, EPIC stores:

• Client name and type (individual or household) in one tab.
• Primary address and phone number.
• Account-level preferences
• And some future details related to the client and the linked agency.

2. Contacts: 

The contact section will store basic contact details that can be reused across different areas of the system. 

Contact records typically contain:

• Address information
• Phone numbers
• Email addresses
• Communication types (home, mailing, billing, etc.)

When multiple insureds and co-insureds are present, the contact details for all insured parties will be displayed in the list, and users will be able to add or remove entries as needed.

 

3. Policy: The Central Insurance Record

Once the client and contact records are created, the basic policy details are added under the Policy section, where the insurance coverages will be defined.

For AUTOP, each Personal Auto policy is created under a client and associated with the relevant contacts.

At the policy level, EPIC organizes a large volume of data across multiple sections and objects; however, the policy page itself contains specific key data elements, including

• Policy number
• Policy type (AUTOMOB)
• Carrier and program
• Effective and expiration dates
• Policy status (Active, Cancelled, Pending) and Billing details

The policy serves as the primary container for billing and servicing activities, applications, and line-level information.

1. Servicing/Billing Section: Operational Policy Details

The Servicing/Billing section defines how the policy is operationally managed within the agency and contains key policy information. This data is further organized and stored across various objects, such as

(i)Policy: 

The policy object stores the primary policy details that help distinguish and identify the policy, including:

• Policy Number 
• Effective and expiration dates
• Linked Agency details
• Premium and related items.

(ii) Line:

The Line object stores information for each policy line associated with a policy. If multiple lines exist under the same policy number, they are all maintained within this section.
The Line section includes multiple tabs to capture line-specific data, such as:

• Line
• Billing
• Servicing
• Producer/Broker Commission
• Categories/History.

Key information stored in this section includes:

• Line tab: Contains details related to the carrier, PPO, premium, policy status, and the policy line itself.
• Billing tab: Stores information related to the billing plan and billing address.”

 

4. Personal Application: Insured-Level Risk Information

The Personal Application section will collect data on risks that are shared by all personal insurance lines. This part gathers important information about the applicant, the insured property, and other risk variables that are necessary for determining coverage, evaluating eligibility, and assisting with the underwriting process.

This includes:

• Policy Section: Stores limited information such as company plan details, facility codes, and related attributes.
  Example: Company Plan: “Standard Auto Plan,” Facility Code: “FAC123,” Policy Type: “Personal Auto.”
• Applicant: Contains details of the applicant/insured, co-applicant information, addresses, and related data.
  Example: Applicant Name: “John Doe,” Co-applicant: “Jane Doe,” Address: “123 Elm Street, Springfield, IL.”
• Location: Stores information about the primary and additional locations associated with the policy; there may be one or multiple locations.
  Example: Main Location: “Home – 123 Elm Street”, Additional Location: “Vacation Home – 456 Oak Lane.”
• Prior Coverage/Loss History: Captures details related to previous coverage and any historical loss information associated with the policy.
  Example: Prior Carrier: “ABC Insurance,” Policy Period: “01/01/2024 – 12/31/2024,” Loss History: “2 claims in last 3 years.”
• General Information: Stores responses to general underwriting questions maintained at the policy level.
  Example: Questions: “Any drivers under 25?”, “Any accidents in the last 5 years?”, “Safety devices installed?”
• Forms and Endorsements: Contains data related to policy-specific forms and endorsements, which may be maintained under the policy section.
  Example: Form: “Auto Liability Form 101”, Endorsement: “Roadside Assistance Coverage.”
• Attachments: Stores documents and files attached to the main policy record.
  Example: Copies of driver’s license, vehicle registration, and inspection reports.
• Payment Plan: Holds information related to payment methods and the payment plans used for the policy.
  Example: Payment Method: “Monthly EFT,” Plan: “6-month installment plan.”
• Remarks: Allows users to add policy-specific comments and notes within this section.
  Example: “Client requested a coverage increase for the second vehicle at the next renewal.”

Line Section:
In personal policies, the line section contains data related to the specific line of business, such as rating information, coverages, additional interests, and other related details.

Some common examples include:

• Personal Auto: The line section for this policy includes data for vehicles, drivers, and existing coverages. Examples:
  • Vehicle: 2023 Toyota Camry, VIN: 1HGCM82633A123774
  • Driver: John smith – Primary driver, clean record
• Homeowners: The line section contains information related to home underwriting, mobile homes, home coverages, additional interests (AIs), and similar details. Examples:
  • Property Type: family home
  • Construction Year: 2017
  • Coverage A (Dwelling): $440,000

The line section in personal lines may also include separate data segments for personal umbrella, mobile home, dwelling fire, and other related policy types.