Guidewire Core Workflow A: Policy Lifecycle

Overview

Master the complete policy lifecycle in PolicyCenter: submission creation, quoting, binding, issuance, endorsements, and renewals.

Prerequisites

• Completed guidewire-install-auth and guidewire-sdk-patterns

• Understanding of P&C insurance concepts

• Valid API credentials with policy admin permissions

Policy Lifecycle States

Submission -> Quote -> Bind -> Issue -> In-Force -> Endorsement/Renewal/Cancellation [Draft] [Quoted] [Bound] [Issued] [Active Policy]

Instructions

Step 1: Create Account

POST to /account/v1/accounts with account holder contact details (name, DOB, address) and producer code assignment.

Step 2: Create Submission

POST to /job/v1/submissions with account ID, base state, effective date, product code (e.g., PersonalAuto ), and producer code.

Step 3: Add Vehicles and Coverages

POST vehicles to the submission's policy period, then add coverages per vehicle: liability, collision, comprehensive, and medical payments.

Step 4: Add Drivers

POST driver details (name, DOB, license) to the policy period.

Step 5: Quote the Submission

POST to /job/v1/submissions/<submissionId>/quote to trigger rating. Retrieve premium breakdown from the policy period.

Step 6: Bind the Policy

POST to /job/v1/submissions/<submissionId>/bind . Verify status is Bound and capture the policy number.

Step 7: Issue the Policy

POST to /job/v1/submissions/<submissionId>/issue . The policy is now in-force.

For complete TypeScript API calls and Gosu server-side implementations, load the reference guide: Read(${CLAUDE_SKILL_DIR}/references/implementation-guide.md)

Output

• Created account with account holder details

• Submission with unique job number

• Quote with premium breakdown

• Bound and issued policy with policy number

Error Handling

Error Cause Solution

Validation failed

Missing required data Check all required fields

Cannot quote

Invalid policy configuration Review coverages and limits

Cannot bind

Outstanding issues Resolve all validation errors

UW hold

Requires underwriting approval Process UW referrals

Rating error

Rating engine failure Check rate tables and factors

Resources

• PolicyCenter Cloud API

• Submission Workflow Guide

• Policy Lifecycle Documentation

Next Steps

For claims processing workflow, see guidewire-core-workflow-b .

Examples

Personal auto policy lifecycle: Create an account, submit a PersonalAuto policy with two vehicles and one driver, add liability and collision coverages, quote the submission to get premium breakdown, bind and issue the policy. The resulting policy number can be used for endorsements and renewals.

Commercial property endorsement: Start with an in-force commercial property policy, create a policy change job to add a new building location, adjust coverages for the added location, re-quote to calculate the premium adjustment, then bind and issue the endorsement.