Layers

The following table details the validation rules for Touchstone fields related to layers:

Field

Description

Validation Rules

Default Value

Type

Identifies each layer and sublimit. Users can create item by selecting "Layer" or "Sublimit" in the Add row.

 

 

Layer ID

User-defined layer identifier

       Required if you are creating a new record or editing an existing record

       Number layers sequentially, starting with 1 for the first layer of the contract.

       Cannot create a layer if associated locations (i.e., any locations in the associated exposure view) have a reinsurance type of Surplus Share

       Cannot begin with a space or contain commas or semicolons

       Can contain up to 100 characters

 

Currency

Currency for the contract to which this layer belongs

Read-only

 

Premium

Sum of the written premiums for the risks in this layer

       Optional

       Must be a numeric value between 1 and 999999999999999, inclusive

 

Perils

Perils that this layer covers

See the list of valid peril codes.

  To specify multiple perils in a single entry within an import file, separate the corresponding peril codes with a Plus (+) symbol, such as, PWH+PES).

       Defaults to a value

       At least one peril is required if you are creating a new record or editing an existing record.

       Must be a subset of the contract peril set

All perils (PAL)

Applies to Locations

Sublimit area to which the sublimit will be applied. Values include "Create New", "All", and any existing sublimit areas.

 

Defaults to "Create New".

Limit Type

One of the following limit types:

       B - Blanket Limit

       CSL100 - Combined Single Limit 100% participation

       CSLAI - Combined Single Limit Assured Interest

       E - Excess Limit

       N - No limit

For detailed information about the effects that each layer limit type has on the related layer fields, see TouchstoneLimit Fields for Layers.

For a list of the valid limit type combinations for layers, sublimits, and locations, see Limit Type Combinations.

Defaults to a value in the Touchstone user interface

  Touchstone does not support layers with C (Limit by Coverage) or CB (Combined, Including Time Separately) limit types. Therefore, if your import file contains a layer with either limit type (C or CB), Touchstone transfers the data from this layer to the sublimit to preserve the C or CB limit type.

B - Blanket Limit

Total Limit (Limit 1)

Occurrence limit amount

For Workers' Compensation policies, terms are entered in the layer record, not on locations. For statutory coverage with no deductible or retention, no layer is required (loss is unlimited). If a deductible applies, include a layer record, and make sure that the total limit is a large value. For Excess Limit policies, enter the appropriate limit. If statutory coverage applies above one excess layer, include another layer record.

For detailed information about the effects that each layer limit type has on the total limit and on related layer fields, see Touchstone Limit Fields for Layers.

       Required for all layer limit types except for "No Limit"

       Must be blank (0) if the limit type is N - No limit

       For limit types B, CSL100, and CSLAI, must be a numeric value between 0 and 999,999,999,999,999.99 inclusive

       For limit type E, must be a numeric value between 1 and 999999999999999, inclusive

 

Participation Limit % (0-1)

Occurrence participation limit, displayed as a percentage of the total limit.

The value in this field is updated when you modify the Participation Limit (Limit 2) column, and vice-versa.

This field is not updated for any sublimits.

       Required if the limit type is E - Excess Limit

       Defaults to a value in the Touchstone user interface if the limit type is E - Excess Limit

       For limit type E, a percentage value expressed as a value greater than or equal to 0. For limit types CSL 100 and CSLAI, expressed as a value greater than or equal to 1.

       Not available if the limit type is one of the following:

       B - Blanket Amount

       N - No limit

       Cannot be greater than the total limit if the limit type is not N - No limit

 

Participation Limit (Limit 2)

Occurrence participation limit

For Excess Limit policies, this field represents the gross limit for the insurer's participation in this layer before ceded reinsurance, if any. For example, if the insurer signs 4% of 100 million excess of 5 million, then the gross limit is 4 million.

For detailed information about the effects that each of the layer limit types has on the participation limit and other related layer fields, see Touchstone Limit Fields for Layers.

       Required if the limit type is E - Excess Limit

       Defaults to a value in the Touchstone user interface if the limit type is E - Excess Limit

       Must be blank (1) if the limit type is one of the following:

       B - Blanket Amount

       N - No limit

       Cannot be greater than the total limit if the limit type is not N - No limit

       Must be a numeric value between 0 and 999999999999999, inclusive

 

Attachment Point

Attachment point, which is the amount of original risk above which the limit will be attached.

You can enter deductibles separately or include deductibles as part of the attachment point with a $0 deductible used.

For detailed information about the effects that each of the layer limit types has on the attachment point and other related layer fields, see Touchstone Limit Fields for Layers.

       Required if the limit type is one of the following:

       B - Blanket Amount

       E - Excess Limit

       Defaults to a value in the Touchstone user interface if the limit type is one of the following:

       CSL100 - Combined Single Limit 100% participation

       CSLAI - Combined Single Limit Assured Interest

       Must be blank (0) if the limit type is N - No limit

       Must be a numeric value between 0 and 999999999999999, inclusive

0

Deductible Type

One of the following deductible types:

       AP - Attachment Point

       B - Blanket Deductible

       FR - Franchise Deductible

       MA - Maximum Deductible Amount

       MI - Minimum Deductible Amount

       MM - Minimum and Maximum

       N - No Deductible

       PL - Percent of Loss

For AP - Attachment Point, FR - Franchise Deductible, B - Blanket Deductible, and PL - Percent of Loss deductible types, the location level deductibles, if any, are applied first.

For MM - Minimum and Maximum, MI - Minimum Deductible Amount, and MA - Maximum Deductible Amount deductible types, the location deductible (for the risks affected by a given event) is compared to the layer deductible using the full ground-up distribution to determine the deductible amount.

For detailed information about the effects that each of the layer deductible types has on the related layer fields, see Touchstone Deductible Fields for Layers.

For a listing of the valid deductible combinations for layers, sublimits, and locations, see Deductible Type Combinations.

       Defaults to a value in the Touchstone user interface

       Must be N - No Deductible if the limit type is one of the following:

       CSL100 - Combined Single Limit 100% participation

       CSLAI - Combined Single Limit Assured Interest

       The minimum policy deductible should be at least as large as the smallest location deductible.

N - No Deductible

Deductible 1

Amount for deductible 1

Depending on the deductible type, this field contains the actual value of:

       Attachment point

       Minimum deductible (for Deductible Types MM - Minimum and Maximum or MI - Minimum Deductible Amount). Property exposures only.

       Blanket deductible (for Deductible Type B - Blanket Deductible or FR - Franchise Deductible).

This field contains a percentage for the PL - Percent of Loss deductible type.

For detailed information about the effects that each of the layer deductible types has on the deductible 1 and other related layer fields, see Touchstone Deductible Fields for Layers.

       Requires a value of 0 or greater than 1 if the deductible type is one of the following:

       AP - Attachment Point

       FR - Franchise Deductible

       MM - Minimum and Maximum

       MI - Minimum Deductible Amount

       B - Blanket Deductible

       Must be blank (0) if the deductible type is one of the following:

       MA - Maximum Deductible

       N - No Deductible

       Requires a value of 0 or less than 1 if the deductible type is PL - Percent of Loss

       Must be less than deductible 2 if the deductible type is PL - Percent of Loss

       Must be a numeric value between 0 and 999999999999999, inclusive

 

Deductible 2

Amount for deductible 2

The field represents the actual value of the maximum deductible amount for deductible type MM - Minimum and Maximum. Property exposures only.

For detailed information about the effects that each of the layer deductible types has on the deductible 2 and other related layer fields, see Touchstone Deductible Fields for Layers.

       Required if the deductible type is one of the following:

       MM - Minimum and Maximum

       MA - Maximum Deductible Amount

       Must be blank (0) if the deductible type is one of the following:

       AP - Attachment Point

       B - Blanket

       FR - Franchise Deductible

       MI - Minimum Deductible

       PL - Percent of Loss

       N - No Deductible

       Must be greater than deductible 1 if the deductible type is MM - Minimum and Maximum

       Must be a numeric value between 0 and 999999999999999, inclusive

 

Reinsurance Count

Number of reinsurance treaties for this layer

Read only. Clicking the hyperlinked value opens the Reinsurance tab in the Layer Details record where you can view and manage the reinsurance terms for the layer. (Clicking the Layer ID also opens the Layer Details record.)

 

Sublimit ID

ID for the sublimit.

Read only

 

Limit 3 (Limit C)

Coverage C limit for by-coverage (C, C100, and CAI) sublimits.

For all other sublimit types, this field is not applicable.

        Required if the limit type is one of the following:

       C - Limit by Coverage

       C100 - Limit by Coverage 100% Participation

       CAI - Limit by Coverage with Assured Interest

       Must be blank (0) if the limit type is one of the following:

       B - Blanket Limit

       E - Excess Limit

       CB - Combined, Including Time Separately

       N - No limit

       Must be a numeric value between 0 and 999999999999999, inclusive

 

Limit 4 (Limit D)

Coverage D limit for by-coverage (C, C100, and CAI) and combined coverage (CB) sublimits.

For all other sublimit types, this field is not applicable.

       Required if the limit type is one of the following:

       C - Limit by Coverage

       CB - Combined, Including Time Separately

       C100 - Limit by Coverage 100% Participation

       CAI - Limit by Coverage with Assured Interest

       Must be blank (0) if the limit type is one of the following:

       B - Blanket Limit

       E - Excess Limit

       N - No limit

       Must be a numeric value between 0 and 999999999999999, inclusive.

 

Attachment 2 (Attachment B)

Coverage B attachment point for by-coverage (C, C100, and CAI) sublimits.

For all other sublimit types, this field is not applicable.

       Required if the limit type is one of the following:

       E - Excess Limit

       C - Limit by Coverage

       C100 - Limit by Coverage 100% Participation

       CAI - Limit by Coverage with Assured Interest

       Must be blank (0) if the limit type is one of the following:

       B - Blanket Limit

       CB - Combined, Including Time Separately

       N - No limit

       Must be a numeric value between 0 and 999999999999999, inclusive.

 

Attachment 3 (Attachment C)

Coverage C attachment point for by-coverage (C, C100, and CAI) sublimits.

For all other sublimit types, this field is not applicable.

       Required if the limit type is one of the following:

       C - Limit by Coverage

       C100 - Limit by Coverage 100% Participation

       CAI - Limit by Coverage with Assured Interest

       Must be blank (0) if the limit type is one of the following:

       B - Blanket Limit

       E - Excess Limit

       CB - Combined, Including Time Separately

       N - No limit

       Must be a numeric value between 0 and 999999999999999, inclusive.

 

Attachment 4 (Attachment D)

Coverage D attachment point for by-coverage (C, C100, and CAI) and combined coverage (CB) sublimits.

For all other sublimit types, this field is not applicable.

       Required if the limit type is one of the following:

       C - Limit by Coverage

       CB - Combined, Including Time Separately

       C100 - Limit by Coverage 100% Participation

       CAI - Limit by Coverage with Assured Interest

       Must be blank (0) if the limit type is one of the following:

       B - Blanket Limit

       E - Excess Limit

       N - No limit

       Must be a numeric value between 0 and 999999999999999, inclusive.

 

 


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Touchstone 5.0 Updated January 17, 2019