China agriculture custom policy file format

A China agriculture custom ILF is generated from a custom client-supplied policy file, a CSV file of the following specific format.

Columns

These 19 column headers must exist in the first row with these exact titles:

  • Province
  • LOB
  • Crop-AllPerils-Franchise
  • Crop-AllPerils-Deductible
  • Drought-Franchise
  • Drought-Deductible
  • Flood-Franchise
  • Flood-Deductible
  • Wind-Franchise
  • Wind-Deductible
  • Frost-Franchise
  • Frost-Deductible
  • Heat-Franchise
  • Heat-Deductible
  • Livestock-Weather-Franchise
  • Livestock-Weather-Deductible
  • Livestock-Disease-Franchise
  • Livestock-Disease-Deductible
  • Livestock-Indemnity-Fraction-Culling

Rows

  • Province: must be a valid China province.
  • LOB: must be a supported crop, forest, or livestock type
  • Deductible: must be a number between 0 and 1, inclusive.

Required for each row

  • Province
  • LOB
  • If the LOB is a crop: one complete pair of terms for a crop sub-peril (e.g. Drought-Franchise + Drought-Deductible).

  • If the LOB is a livestock: one complete set of terms for a livestock sub-peril (e.g. Livestock-Weather-Franchise + Livestock-Weather-Deductible OR, Livestock-Disease-Franchise + Livestock-Disease-Deductible + Livestock-Indemnity-Fraction-Culling).

Optional for each row

  • If LOB is a crop: other franchise and deductible pairs (including AllPerils).
  • If LOB is a livestock: the other sub-peril terms .

Other validation rules

  • Must have at least one row.
  • Province + LOB combinations must be unique (e.g., cannot have two rows for Beijing corn).
  • Peril-specific deductibles must be in pairs for a given peril (e.g., if Drought-Franchise is present, the Drought-Deductible must be also be present).

    • For Livestock-Disease, all three are required (Franchise, Deductible, and Culling Fraction).