SAIF.Business.Policy.Premium business rules¶

This page captures business rules enforced by this library.

BR-001: Manual class number is required¶

Field	Value
Statement	A class coverage must have a manual class number.
Trigger	Validation of a class coverage
Enforcement	`clsClassCoverageBase.AddBusinessRules (clsClassCoverageBase.vb:790-803) — TextRequired on ManualClassNumber`
Outcome	Error: "Error: Class is required."
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb`

BR-002: Manual class number must resolve¶

Field	Value
Statement	The manual class number must resolve to a valid manual class detail. If the number is blank the rule passes, to avoid a duplicate failure with BR-001; otherwise HasManualClassDetail AndAlso ManualClassDetail.IsValid must hold.
Trigger	Validation of a class coverage
Enforcement	`ValidManualClassNumber rule, clsClassCoverageBase.vb`
Outcome	Error: "Error: {0} is not a valid class number."
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb`

BR-003: Manual class usage code is required¶

Field	Value
Statement	A manual class usage code is required (check level two).
Trigger	Validation of a class coverage
Enforcement	`TextRequired on ManualClassUsageCode, clsClassCoverageBase.vb`
Outcome	Validation error
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb`

BR-004: Class and usage must match rating period¶

Field	Value
Statement	The manual class number combined with its usage code must be available for the rating period (check level two).
Trigger	Validation of a class coverage
Enforcement	`ValidManualClassBase rule registered on both ManualClassNumber and ManualClassUsageCode`
Outcome	Error: "Error: Class {0} with usage code {1} is not available for this rating period."
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb`

BR-005: Employee and rate type codes are required¶

Field	Value
Statement	Employee rating type code, manual class type code and rate type code are required (check level three).
Trigger	Validation of a class coverage
Enforcement	`TextRequired rules, clsClassCoverageBase.vb`
Outcome	Validation errors
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb`

BR-006: FELA classes are blocked on assigned-risk periods¶

Field	Value
Statement	FELA class types are not permitted on assigned-risk periods.
Trigger	Validation of a class coverage (level three)
Enforcement	`ValidFELA — fails when PeriodRatingInfo.IsAssignedRisk And IsClassTypeFELA`
Outcome	Validation error
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb`

BR-007: Manual class type must match the base class¶

Field	Value
Statement	The manual class type code must be consistent with the base: a Regular base allows Regular or USLH; otherwise the type must equal the base's type.
Trigger	Validation of a class coverage (level three)
Enforcement	`ValidManualClassTypeCode, clsClassCoverageBase.vb`
Outcome	Error message beginning "Error: Jurisdiction code…"
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb`

BR-008: Duplicate manual classes are not allowed¶

Field	Value
Statement	A class coverage collection may not contain duplicate manual classes (check level two).
Trigger	Validation of a class coverage collection
Enforcement	`clsClassCoverageBaseCollection.vb:345 — DuplicateManualClass rule, IsDuplicate performs an O(n²) scan`
Outcome	Error: "Error: Duplicate class ({0})."
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverageBaseCollection.vb`

BR-009: OCCPAP factor must stay between zero and one¶

Field	Value
Statement	An OCCPAP factor must be greater than 0 and less than 1.
Trigger	Validation of a policy period OCCPAP
Enforcement	`clsPolicyPeriodOccpap.vb:428 — IsValidFactor`
Outcome	Error: "Error: OCCPAP Factor must be between .01 and .99"
Confidence	Verified
Tables	POLICY_PERIOD_OCCPAP
Source	`Business\SAIF.Business.Policy.Premium\clsPolicyPeriodOccpap.vb`

BR-010: OCCPAP requires a policy period effective date¶

Field	Value
Statement	A policy period OCCPAP must have a policy period effective date (not Date.MinValue).
Trigger	Validation of a policy period OCCPAP
Enforcement	`ValidPolicyPeriodOCCPAP, clsPolicyPeriodOccpap.vb`
Outcome	Validation error
Confidence	Verified
Tables	POLICY_PERIOD_OCCPAP
Source	`Business\SAIF.Business.Policy.Premium\clsPolicyPeriodOccpap.vb`

BR-011: Premium adjustment type code must be valid¶

Field	Value
Statement	A premium adjustment type code must be a valid code.
Trigger	Validation of a premium adjustment type code
Enforcement	`clsPremiumAdjustmentTypeCode.vb:607 — ValidPremiumAdjustmentTypeCode on Code`
Outcome	Validation error
Confidence	Verified
Tables	PREM_ADJUSTMENT_TYPE_CODE
Source	`Business\SAIF.Business.Policy.Premium\Rating\clsPremiumAdjustmentTypeCode.vb`

BR-012: Rating plan factor must fit the selected plan¶

Field	Value
Statement	A non-rated plan must have a null rating plan factor; any other plan's factor must fall within one of the configured ValidRatingPlanFactors ranges.
Trigger	Validation of a policy period rating plan
Enforcement	`clsPolicyPeriodRatingPlan.vb:711-713 — ValidRatingPlanFactor`
Outcome	Error message enumerating the valid ranges
Confidence	Verified
Tables	POLICY_PERIOD_RATING_PLAN
Source	`Business\SAIF.Business.Policy.Premium\clsPolicyPeriodRatingPlan.vb`

BR-012a: SARAP factor is limited to assigned-risk experience plans¶

Field	Value
Statement	A SARAP factor is allowed only when RatingPlan = Experience And PeriodRatingInfo.MarketType = AssignedRisk; otherwise it must be null.
Trigger	Validation of a policy period rating plan
Enforcement	`ValidSARAPFactor / AllowSARAPFactor (clsPolicyPeriodRatingPlan.vb ~:733)`
Outcome	Validation error
Confidence	Verified
Tables	POLICY_PERIOD_RATING_PLAN
Source	`Business\SAIF.Business.Policy.Premium\clsPolicyPeriodRatingPlan.vb`

BR-012b: Rating plan dates must form a valid range¶

Field	Value
Statement	A policy period rating plan's effective/expiration dates must form a valid range.
Trigger	Validation of a policy period rating plan
Enforcement	`ValidDateRange → IsValidDateRange`
Outcome	Validation error
Confidence	Verified
Tables	POLICY_PERIOD_RATING_PLAN
Source	`Business\SAIF.Business.Policy.Premium\clsPolicyPeriodRatingPlan.vb`

BR-012c: Renewal rating plans require all core fields¶

Field	Value
Statement	A policy renewal rating plan requires a non-zero policy number, an effective date greater than DateTime.MinValue, an expiration date greater than the effective date, and a non-empty plan code.
Trigger	Validation of a policy renewal rating plan
Enforcement	`clsPolicyRenewalRatingPlan.vb:590-593 — IsValidPolicyNumber, IsValidEffectiveDate, IsValidExpirationDate, IsValidPlan`
Outcome	Validation errors
Confidence	Verified
Tables	POLICY_RENEWAL_RATING_PLAN
Source	`Business\SAIF.Business.Policy.Premium\clsPolicyRenewalRatingPlan.vb`

BR-013: Subtotals must use one rating rule master¶

Field	Value
Statement	A set of premium summary adjustments being sub-totalled must all belong to a single rating rule master.
Trigger	Sub-total computation (OP-004)
Enforcement	`iPremiumSummaryAdjustment.vb — GetSingleRatingRuleMaster`
Outcome	Throws ApplicationException
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\iPremiumSummaryAdjustment.vb`

BR-014: Per-period subtotal eligibility is filtered by rule metadata¶

Field	Value
Statement	A premium adjustment type participates in per-period sub-totalling only when it has a rating rule priority, a non-zero rating rule master ID, all adjustment SQLs null, and a rating rule function of Addition, IncreasedLimitsMinimumPremium, Multiplication or PremiumPeriodProcessing.
Trigger	Sub-total computation
Enforcement	`SubTotalPremiumSummaryAdjustment.vb`
Outcome	Type included in per-period sub-totals
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\SubTotalPremiumSummaryAdjustment.vb`

BR-015: Whole-term subtotal eligibility is filtered by rule metadata¶

Field	Value
Statement	A premium adjustment type participates in overall (whole-term) sub-totalling when the same first three conditions hold and the rating rule function is DCBSSplitProcessing or ProcessLater.
Trigger	Sub-total computation
Enforcement	`SubTotalPremiumSummaryAdjustment.vb`
Outcome	Type included in the overall min-effective → max-expiration sub-total
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\SubTotalPremiumSummaryAdjustment.vb`

BR-016: NEAP uses base amounts instead of difference amounts¶

Field	Value
Statement	Premium amounts are summed from DifferenceAmount, except NEAP amounts which are summed from BaseAmount.
Trigger	Premium amount query (OP-005)
Enforcement	`PremiumAmountProviderExtensions.PremiumAmount (iPremiumAmountProvider.vb)`
Outcome	Returned amount
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\iPremiumAmountProvider.vb`

BR-017: Discount equals discounted minus standard premium¶

Field	Value
Statement	The discount premium amount equals the discounted amount minus the standard amount.
Trigger	Premium amount query
Enforcement	`PremiumAmountProviderExtensions`
Outcome	Returned discount
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\iPremiumAmountProvider.vb`

BR-018: DCBS descriptions switch between percentage and based-on text¶

Field	Value
Statement	For a DCBS adjustment with no splits (DCBSSplitCount = 0), the description shows a percentage computed as Math.Abs(1 - Adjustment) * 100; when splits exist, it shows "based on" instead.
Trigger	Document description build (OP-006)
Enforcement	`clsPremiumSummaryAdjustment.vb:729-762`
Outcome	Description text
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\clsPremiumSummaryAdjustment.vb`

BR-019: Adjusted-rate DCBS descriptions use subject premium when ELCB applies¶

Field	Value
Statement	The DCBS description basis is the literal "subject premium" when the adjustment is adjusted-rate and ELCB applies; otherwise it is the formatted BaseAmount ($###,##0.00).
Trigger	Document description build
Enforcement	`clsPremiumSummaryAdjustment.vb:729-762`
Outcome	Description text
Confidence	Verified
Tables	POLICY_PERIOD_EMP_LIAB
SQL	SQL-116
Source	`Business\SAIF.Business.Policy.Premium\clsPremiumSummaryAdjustment.vb`

BR-020: NEAP descriptions replace the normal adjustment text¶

Field	Value
Statement	A NEAP adjustment's document description replaces any built text with "Total [Estimated ]Policy Premium Including DCBS Assessment".
Trigger	Document description build
Enforcement	`clsPremiumSummaryAdjustment.vb:729-762`
Outcome	Description text
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\clsPremiumSummaryAdjustment.vb`

BR-021: ELCB applies when liability rows span a non-zero range¶

Field	Value
Statement	ELCB applies to a policy period when at least one POLICY_PERIOD_EMP_LIAB row exists whose premium adjustment effective and expiration dates differ.
Trigger	ELCB determination (OP-008)
Enforcement	`clsPremiumSummaryAdjustment.vb:525-548`
Outcome	HasELCB set true/false
Confidence	Verified
Tables	POLICY_PERIOD_EMP_LIAB
SQL	SQL-117
Source	`Business\SAIF.Business.Policy.Premium\clsPremiumSummaryAdjustment.vb`

BR-022: Null statistical class becomes an empty string¶

Field	Value
Statement	When the NCCI stat class procedure returns DBNull, the stat class is an empty string.
Trigger	Stat class determination (OP-009)
Enforcement	`clsPremiumSummaryAdjustment.vb:549-580`
Outcome	Empty string returned
Confidence	Verified
SQL	SQL-119
Source	`Business\SAIF.Business.Policy.Premium\clsPremiumSummaryAdjustment.vb`

BR-023: Renewal plans join the merged list only when policy number exists¶

Field	Value
Statement	The renewal rating plan is included in the merged plan list only when its PolicyNumber <> 0; the merged list is ordered by effective date descending.
Trigger	Plan merge (OP-012)
Enforcement	`PolicyPeriodRatingPlans.GetPlans (iPolicyRatingPlan.vb)`
Outcome	Merged, ordered plan list
Confidence	Verified
Tables	POLICY_PERIOD_RATING_PLAN, POLICY_RENEWAL_RATING_PLAN
Source	`Business\SAIF.Business.Policy.Premium\iPolicyRatingPlan.vb`

BR-024: Premium summary adjustments do not support updates¶

Field	Value
Statement	The UpdateSQL property of the premium summary adjustment criteria is not supported; attempting to use it is an error.*
Trigger	Any attempt to update a premium summary adjustment through the criteria
Enforcement	`clsPremiumSummaryAdjustment.Criteria.UpdateSQL`
Outcome	Throws ApplicationException(BOC.Messages.InvalidSQLProperty) — premium summary adjustments are insert-only*
Confidence	Inferred*
Source	`Business\SAIF.Business.Policy.Premium\clsPremiumSummaryAdjustment.vb`

BR-025: Rows affected must equal one for persistence success¶

Field	Value
Statement	A persistence statement that affects a number of rows other than exactly one is treated as a concurrency failure.
Trigger	Insert/update/delete completion
Enforcement	`After* handlers across the entity set — RowsAffected <> 1 → AddErrorMessage(..., BOC.Messages.DBContentionError)`
Outcome	Error added to the object
Confidence	Verified
Source	`Business\SAIF.Business.Policy.Premium\clsClassCoverage.vb`

BR-026: Weighted claim frequency uses payroll-weighted averaging¶

Field	Value
Statement	Weighted claim frequency for a set of class coverages equals Σ(claim frequency × payroll) ÷ total payroll.
Trigger	Claim frequency computation
Enforcement	`iClassCoverage.vb — WeightedClaimFrequency extension`
Outcome	Computed decimal
Confidence	Verified
Tables	PREM_HIST_CLASS_COVERAGE
Source	`Business\SAIF.Business.Policy.Premium\iClassCoverage.vb`

Inherited business rules¶

Rules in this section originate from base classes or services provided by dependency framework libraries. They are enforced by inherited behavior, not by code in this library.

From `clsBusinessBase` (`SAIF.Framework.Core`)¶

INH-001: BOF rules manager records and surfaces broken rules¶

Field	Value
Statement	`clsBusinessBase` owns a `clsRulesManager` that records failed rule checks and exposes broken-rule state through the object surface.†
Trigger	Derived business objects call `Rules.CheckRules(...)` during validation or property updates.†
Enforcement	`clsRulesManager` locates registered handlers and stores failures for the derived object.†
Outcome	BOF-derived types in this library surface rule failures consistently through the inherited rules manager and IDataErrorInfo support.†
Origin	`SAIF.Framework.Core` — `clsBusinessBase` / `clsRulesManager`
Source	Retrieved framework documentation

Notes¶

BR-024 is marked inferred because the insert-only behavior is concluded from the unsupported UpdateSQL path.

Note: Statements marked with * were inferred from code structure, naming conventions, or contextual evidence where direct confirmation was not available in source artifacts. Statements marked with ** could not be confirmed; treat as unknown until verified.

Sources¶

Business\SAIF.Business.Policy.Premium\Rating\clsPremiumAdjustmentTypeCode.vb
Business\SAIF.Business.Policy.Premium\SubTotalPremiumSummaryAdjustment.vb
Business\SAIF.Business.Policy.Premium\clsClassCoverage.vb
Business\SAIF.Business.Policy.Premium\clsClassCoverageBase.vb
Business\SAIF.Business.Policy.Premium\clsClassCoverageBaseCollection.vb
Business\SAIF.Business.Policy.Premium\clsPolicyPeriodOccpap.vb
Business\SAIF.Business.Policy.Premium\clsPolicyPeriodRatingPlan.vb
Business\SAIF.Business.Policy.Premium\clsPolicyRenewalRatingPlan.vb
Business\SAIF.Business.Policy.Premium\clsPremiumSummaryAdjustment.vb
Business\SAIF.Business.Policy.Premium\iClassCoverage.vb
Business\SAIF.Business.Policy.Premium\iPolicyRatingPlan.vb
Business\SAIF.Business.Policy.Premium\iPremiumAmountProvider.vb
Business\SAIF.Business.Policy.Premium\iPremiumSummaryAdjustment.vb