STEP 4 — RATING
Watch the number build.
Every field moves the indication on the right. GL carries no deductible. Limits above $2M require underwriter referral. Property maximum is $5M per location.
{synthEx && covs.has("prod") && (
Products liability is ineligible with the program for this risk (excluded product categories) and is not included in this indication.
Other options are available within Carma Brokerage.
)}
{/* Exposure + allocation */}
EXPOSURE & REVENUE ALLOCATION
Revenue allocation by operation {!allocOk && — must total 100% (now {allocTotal}%)}
{liabRisks.map((r) => (
{CLASS_MAP[r].name}
{
const v = e.target.value.replace(/[^0-9]/g, "").slice(0, 3);
setAlloc((prev) => ({ ...prev, [r]: v }));
}}
placeholder="0"
style={{ fontFamily: font.mono, width: 64, padding: "6px 8px", borderRadius: 4, border: `1.5px solid ${C.line}`, textAlign: "right" }} />
%
))}
LIMITS & STRUCTURE
{covs.has("gl") &&
x.k)} /> }
{plActive && <>
x.k)} />
x.k)} w={110} />
{plActive && (
)}
LOCATION {idx + 1} · OCCUPANCY: {occ.label.toUpperCase()}
{locations.length > 1 && (
)}
{/* adj. 58: surface the minimum wind/hail deductible from the rater Wind table */}
{c.wind.tier} · {c.windRefer
? "Wind/Hail not available at this ZIP — refer to underwriting."
: c.wind.deductible === "AOP IS ACCEPTABLE"
? "Wind/Hail: AOP deductible acceptable — subject to change upon underwriting review."
: "Wind/Hail deductible: " + c.wind.deductible}
)}
Tenant's Improvements & Betterments are included in the building limit.
Location {idx + 1} TIV: {fmt(c.tiv)}
{c.over &&
Location {idx + 1} TIV {fmt(c.tiv)} exceeds the $5,000,000 per-location program maximum — this location is referred to underwriting and is not rated online.
}
{c.gh &&
Location {idx + 1} greenhouse construction — property is excluded from the online indication and is referred to underwriting. Wind is not offered on greenhouse structures.
}
{/* adj. 59: insurance-to-value advisory (non-blocking) */}
{c.itvFlag &&
Building limit implies {fmt(c.itvPerSqft)}/sq ft, below the $150/sq ft insurance-to-value benchmark. Confirm the building is insured to at least 80% of replacement cost; subject to underwriting valuation review.
}
{/* adj. 60: building-criteria validation */}
{c.bldRefer &&
Location {idx + 1} — building over 75 years old; prior underwriting approval required. This location is excluded from the online indication and referred to underwriting.
}
{c.bldIneligible &&
Location {idx + 1} — building over 50 years old with no recorded system updates; ineligible per property guidelines 5.2. This location is excluded from the online indication and submitted to underwriting.
}
{locations.length < 3 && (
)}
Up to 3 locations may be rated online.
{locations.length >= 3 && (
Insuring more than three locations? Attach a Statement of Values (SOV) — additional locations are reviewed by underwriting.
)}
{/* Shared policy-level property controls */}
PROPERTY — POLICY-LEVEL TERMS
Business Personal Property / Contents, Finished Stock, and Cannabis Inventory are all included under the same property
coverage form. They are entered as separate limits per location so each is valued correctly and the right terms apply to each category.
Protective safeguard shortfall from eligibility (central station alarm / 30-day video): theft coverage restricted.
)}
SCHEDULE CREDIT REQUEST
0 ? C.green : C.dim }}>
{appliedCredit}% applied{creditOver ? ` · ${requested}% requested` : ""}
All credits and debits are subject to underwriting review and approval. Up to 20% total credit may be requested here — anything above 20% triggers an underwriter referral. A justification is required for each credit requested.
{CREDIT_CATS.map((c) => (
{c.label}
setCredits({ ...credits, [c.id]: v })}
options={CREDIT_OPTIONS.map((o) => ({ v: o, l: o + "% credit" }))} w={110} />
{c.why}
{num(credits[c.id]) > 0 && (
setJustif({ ...justif, [c.id]: e.target.value })}
placeholder="Justification required — what supports this credit?"
style={{ marginTop: 8, width: "100%", fontFamily: font.body, fontSize: 12.5, padding: "8px 10px",
borderRadius: 4, border: `1.5px solid ${justif[c.id].trim() ? C.line : C.amber}`, background: "#fff" }} />
)}
Credits without justification are not applied: {missingJust.map((c) => c.label).join(", ")}.
)}
ASSAULT & BATTERY BUYBACK · MAX 250/250
A&B coverage is not offered where armed guards are present.
}
GENERAL LIABILITY — OPTIONS
{/* adj. 53 — dispensary dual-basis GL: surface a manual sqft input only when no
Property location sqft is available, so the sqft basis can be computed. */}
{dualBasisActive && locSqft <= 0 && (
{/* adj. 54 — Hired & Non-Owned Auto */}
{hnoaOn && (
({ v: b.k, l: b.label }))} w={170} />
)}
{hnoaOn && (
)}
{hnoaOn && (
)}
{hnoaExpDeclined && (
Hired & Non-Owned Auto is declined where hired-auto exposure exists — refer to Brokerage.
)}
{hnoaDelivDeclined && (
Hired & Non-Owned Auto is not available where the insured performs delivery — delivery is a commercial-auto exposure; refer to Brokerage.
)}
{/* adj. 55 / 63 — Damage to Rented Premises (DTR) */}
({ v: o.k, l: o.label }))} w={190} />
{/* adj. 57 — Medical Payments (no premium) */}
({ v: o.k, l: o.label }))} w={150} />
{/* adj. 56 — Employers Liability / Stop Gap (monopolistic states only) */}
{elEligible && (
)}
OPTIONS
Excess Liability is not included in the program — available by formal submission through Carma Brokerage.
SUBMISSION DOCUMENTS
{refers.length > 0 ? "REFERRAL TO UNDERWRITING · SUBMISSION DOCUMENTS" : "FIRM QUOTE REQUEST · SUBMISSION DOCUMENTS"}
Attach all submission documents. The application is required — everything else strengthens the file.
{refers.length > 0 && (
Referral items: {refers.join("; ")}.
)}
{REF_DOC_SLOTS.map((s) => (
= MAX_FILES ? C.red : C.dim, margin: "2px 0 10px" }}>
{totalDocCount}/{MAX_FILES} DOCUMENTS ATTACHED{totalDocCount >= MAX_FILES ? " \u00b7 LIMIT REACHED" : ""}
BROKER & INSURED INFORMATION
Submitting to Carma…
)}
{submitSuccess && (Submission received • ID: {submissionId || "(pending — operators notified)"}
)}
{submitError && ({submitError}
)}
{!docsOk && (
Application is required to submit to underwriting.
)}
{docsOk && !brokerOk && (
Insured name and broker name & email are required to send.
)}
{docsOk && brokerOk && !ratingComplete && (
Complete the rating before sending: {ratingOutstanding.join("; ")}.
)}
✓
{refers.length > 0 ? "REFERRAL SENT TO UNDERWRITING" : "FIRM QUOTE REQUEST SENT"}
{refRefNum}
Your submission has been emailed to underwriting — {REFERRAL_TO.join(" and ")}.{" "}
Expect a response from your underwriter within 24–48 hours.
Named insured: {broker.insured}
{broker.effDate && Effective date: {broker.effDate}
}
{referredLines.length > 0 && Lines referred: {referredLines.join("; ")}
}
{otherDesc && Risk classification: Other — {otherDesc}
}
{(refers.length > 0 || forceReferral) && Referral reasons: {refers.length > 0 ? refers.join("; ") : "Unclassified risk — classification required"}
}
DOCUMENTS ATTACHED
{REF_DOC_SLOTS.map((s) => (
{/* Email payload (prototype preview) — collapsed by default. PRODUCTION:
this block disappears; the payload is handed to the backend mailer
(Iteration 1) instead of being stored in state. */}
{showEmail && refEmail && (
)}
{s.label}:{" "}
{refDocs[s.id].length ? refDocs[s.id].map((f) => f.name).join("; ") : "none"}
))}