Insurance Data Architecture

P&C Data Models: A Foundation for Insurance Data

A well-designed data model provides more than a technical representation of data. It provides a common language for understanding the business, defining how information relates across the organization, and creating a foundation for consistent data management.

For Property & Casualty insurance, this is particularly important. Policy, coverage, risk, claim, party, financial, and other business concepts exist across multiple systems and processes. Without a common understanding of these concepts and their relationships, organizations can end up with different definitions of the same information, inconsistent data structures, and significant effort spent reconciling data.

The P&C data models presented here were developed to address the data management needs of the P&C insurance community. The work incorporates OMG's Model Driven Architecture principles and draws on established P&C industry standards and business glossaries.

What the Model Covers

The following reference is organized into subject-area diagrams. Together they provide a business-oriented view of how core insurance entities and relationships can be structured.

Party & Account

Party, person, organization, household, roles, account and agreement relationships.

Policy

Policy, coverage, policy terms, locations, insured objects and related policy structures.

Claims

Claims, claim roles, claim events, litigation, arbitration and claim-related objects.

Assessment

Assessment structures and specialized assessment results such as underwriting and financial evaluation.

Roles & Staffing

Agreement roles, claim roles, staffing roles and the assignment of responsibility.

Reference Subtypes

Insurable objects, money, events and product coverage reference structures.

Explore the P&C Logical Data Model