Layers

• The Layer ID field is required if you are creating a new record or editing an existing record.
• You must number layers sequentially, starting with "1" for the first layer of the contract.
• You cannot create a layer if associated locations (i.e., any locations in the associated exposure view) have a reinsurance type of surplus share.
• The layer ID cannot begin with a space or contain commas or semicolons.
• The layer ID can contain up to 100 characters.

• This field is optional.
• If you use this field, you must enter a numeric value between 1 and 999999999999999, inclusive.

• You must specify at least one peril if you are creating a new record or editing an existing record.
• The selected perils must be a subset of the contract list peril set.

• 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 Limit Fields for Layers.

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

For Excess Limit policies, enter the appropriate limit. If statutory cover 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 limit fields, see Limit Fields for Layers.

For Workers' Compensation policies, enter terms in the layer record, not in the location record. 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.

Occurrence limit amount for sublimits (Limit 1)

Enter amount for coverage A limit for: blanket (B), excess (E), by-coverage (C, C100, and CAI), and combined coverage (CB) sublimits. For all other sublimit types, this field is not applicable.

Enter amount for amount for sublimits (Limit 2)

Enter amount for coverage B limit for: by-coverage (C, C100, and CAI) sublimits. For all other sublimit types, this field is not applicable.

• The rules apply to all layer limit types except for N- No Limit; the Limit 1 and Limit 2 fields must be blank (0) if the limit type is N - No limit.
• For limit types B, CSL100, and CSLAI, enter a numeric value between 0 and 999,999,999,999,999.99 inclusive.
• For limit type E, enter a numeric value between 1 and 999999999999999, inclusive.

These are the validation rules for sublimits (Limit 1):

• You must enter a value if the limit type is one of the following:
  • B – Blanket Limit
  • C – Limit by Coverage
  • CB – Combined, Including Time Separately
  • CAI – Limit by Coverage with Assured Interest
• Leave the field blank (0) if the limit type is one of the following:
  • E – Excess Limit
  • N – No limit
• Enter a numeric value between 0 and 999,999,999,999,999 inclusive.

Validation rules for sublimits (Limit 2):

• You must enter a value 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
• Enter a 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
• Enter a numeric value between 0 and 999,999,999,999,999 inclusive.

The Participation Limit (Limit 2) field displays the occurrence participation limit for layers.

For E - 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 Limit Fields for Layers.

Participation limit for sublimits

The Participation Limit (Limit 2) field displays the occurrence participation limit for sublimits.

For E - 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 Limit Fields for Layers.

• You must enter a value if the limit type is E - Excess Limit.
• The field defaults to a value in the Touchstone user interface if the limit type is E - Excess Limit.
• Leave the field blank (1) if the limit type is one of the following:
  • B - Blanket Amount
  • N - No limit
• Leave the field blank (1) if the limit type is one of the following:
  • B - Blanket Amount
  • N - No limit
• The value can only be greater than the total limit if the limit type is N - No limit.
• Enter a numeric value between 0 and 999999999999999, inclusive.

These are the validation rules for sublimits for this field:

• You must enter a value if the limit type is E - Excess Limit.
• The field defaults to a value in the Touchstone user interface if the limit type is E - Excess Limit.
• Leave the field blank (1) if the limit type is one of the following:
  • B - Blanket Amount
  • N - No limit
• The value can only be greater than the total limit if the limit type is N - No limit.
• Enter a numeric value between 0 and 999999999999999, inclusive.

• You must specify a value 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
• Leave the field 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
• Enter a numeric value between 0 and 999999999999999, inclusive.
• Any value less than or equal to 1 will be intepreted as percentages (eg., 0.12 as 12%).

The validation rules for sublimits for Limit 4 (Limit D) are:

• You must enter a value 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
• Leave this field blank (0) if the limit type is one of the following:
• • B - Blanket Limit
  • E - Excess Limit
  • N - No limit
• Enter a numeric value between 0 and 999999999999999, inclusive.
• Any value less than or equal to 1 will be intepreted as percentages (eg., 0.12 as 12%).

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

• You must enter a value if the limit type is E - Excess Limit.
• The field defaults to a value in the Touchstone user interface if the limit type is E - Excess Limit.
• For limit type E - Excess Limit, the percentage value is expressed as a value greater than or equal to 0. For limit types CSL 100 and CSLAI, the percentage value is expressed as a value greater than or equal to 1.
• This field is not available if the limit type is:
  • B - Blanket Amount
  • N - No limit
• The value can only be greater than the total limit if the limit type is N - No limit.

The Attachment Point field specifies 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 Limit Fields for Layers.

The Attachment Point field specifies the Coverage A attachment point for by-coverage (C, C100, and CAI) sublimits. For all other sublimit types, this field is not applicable.

• The Attachment Point field 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

• Leave the field blank (0) if the limit type is N – No limit.
• Enter a numeric value between 0 and 999999999999999, inclusive.

• You must enter a value 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
• Leave the field blank (0) if the limit type is one of the following:
  • Excess Limit
  • B - Blanket Limit
  • CB - Combined, Including Time Separately
  • N - No limit
• Enter a numeric value between 0 and 999999999999999, inclusive.

• You must enter a value 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
• Leave the field 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
• Enter a numeric value between 0 and 999999999999999, inclusive.

• You must enter a value 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
• Leave the field blank (0) if the limit type is one of the following:
  • B - Blanket Limit
  • E - Excess Limit
  • N - No limit
• Enter a numeric value between 0 and 999999999999999, inclusive.

• AP - Attachment Point
• B - Blanket Deductible
• C - Deductible by Coverage
• 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, Touchstone applies the location level deductibles, if any, first.

For MM - Minimum and Maximum, MI - Minimum Deductible Amount, and MA - Maximum Deductible Amount deductible types, Touchstone compares the location deductible (for the risks affected by a given event) 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 Deductible Fields for Layers.

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

• The field defaults to a value in the Touchstone user interface.
• The field must be N - No Deductible if the limit type is one of the following types:
  • 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.

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). This applies only to Property exposures.
• Blanket deductible (for Deductible Type B - Blanket Deductible or FR - Franchise Deductible).

For the PL - Percent of Loss deductible type, this field specifies a percentage

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

• Enter a numeric value between 0 and 999999999999999, inclusive, if the deductible is one of the following types:
  • AP - Attachment Point
  • B - Blanket Deductible
  • C - Deductible by Coverage
  • FR - Franchise Deductible
  • MI - Minimum Deductible Amount
  • MM - Minimum and Maximum
• Must be blank (0) if the deductible type is MA - Maximum Deductible or N - No Deductible.
• MA - Maximum Deductible
• Enter a value of 0 or less than 1 if the deductible type is PL - Percent of Loss.
• Enter a value that is less than deductible 2 if the deductible type is PL - Percent of Loss.
• Any value less than or equal to 1 will be changed to 0.

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

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

• You must enter a value if the deductible type is one of the following:
  • MM - Minimum and Maximum
  • MA - Maximum Deductible Amount
• Leave the field 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
• Enter a value greater than deductible 1 if the deductible type is MM - Minimum and Maximum.
• Enter a numeric value between 0 and 999999999999999, inclusive.
• Any value less than or equal to 1 will be changed to 0.

For detailed information about the effects that each of the layer deductible types has on the deductible 3 and other related layer fields, see Deductible Fields for Layers.

• Any value less than or equal to 1 will be interpreted as percentages (eg., 0.12 as 12%).

• Any value less than or equal to 1 will be interpreted as percentages (eg., 0.12 as 12%).

• The maximum length is 10.

• Enter a numeric value between 0 and 999999999999999, inclusive.
• Enter an attachment point.

• Enter a numeric value between 0 and 999999999999999, inclusive.
• Any value less than or equal to 1 will be interpreted as percentages (eg., 0.12 as 12%).

• Enter a numeric value between 0 and 999999999999999, inclusive.
• Any value less than or equal to 1 will be interpreted as percentages (eg., 0.12 as 12%).