> ## Documentation Index
> Fetch the complete documentation index at: https://claritylabs.inc/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Policy Classification Using ACORD Lines-of-Business Codes

> Learn how CL SDK 4.0 classifies insurance policies using ACORD lines-of-business codes returned as part of the source-backed operational profile.

In CL SDK 4.0, policy classification is no longer a standalone step. Instead, the `linesOfBusiness` field inside the `PolicyOperationalProfile` carries ACORD LOB codes extracted alongside every other policy fact — in the same bounded, source-cited generation call that produces coverage units, dates, and premium. This means classification evidence is traceable to specific source nodes just like any other extracted value.

## How Classification Works

The extraction pipeline populates `linesOfBusiness` as an array of `AcordLobCode` values. A single policy can return multiple codes when the document covers a package program.

```typescript theme={"system"}
interface PolicyOperationalProfile {
  documentType: "policy" | "quote";
  linesOfBusiness: AcordLobCode[];  // e.g. ["CGL", "AUTOB"]
  // ... other fields
}
```

<Note>
  `linesOfBusiness` intentionally accepts multiple codes. A commercial package policy covering general liability and business auto will return `["CGL", "AUTOB"]` — do not reduce it to a single value in your application unless you have a specific reason to do so.
</Note>

## Legacy-to-ACORD Code Mapping

If you are migrating from an earlier version of the SDK, the table below maps every legacy `policyType` string to its corresponding ACORD code or codes.

| Legacy value                                                        | ACORD code(s) |
| ------------------------------------------------------------------- | ------------- |
| `general_liability`                                                 | `CGL`         |
| `commercial_property`                                               | `PROP`        |
| `commercial_auto`, `non_owned_auto`                                 | `AUTOB`       |
| `workers_comp`                                                      | `WORK`        |
| `umbrella`                                                          | `UMBRC`       |
| `excess_liability`                                                  | `EXLIA`       |
| `professional_liability`                                            | `PL`          |
| `cyber`                                                             | `CYBER`       |
| `environmental`, `product_liability`                                | `OLIB`        |
| `management_liability_package`                                      | `MGMLI`       |
| `homeowners_ho3`, `homeowners_ho5`                                  | `HOME`        |
| `renters_ho4`, `condo_ho6`                                          | `HOME`        |
| `flood_nfip`, `flood_private`                                       | `FLOOD`       |
| `travel`                                                            | `TRVL`        |
| `life`, `long_term_care`, `pet`, `identity_theft`, `title`, `other` | `UN`          |

<Warning>
  The legacy `policyType` string field is deprecated and will be removed in a future major version. Migrate your code to read `linesOfBusiness` from the operational profile instead.
</Warning>

## Exported Utilities

Import all classification utilities from the `policy-taxonomy` subpath:

```typescript theme={"system"}
import {
  AcordLobCodeSchema,
  ACORD_LOB_CODES,
  ACORD_LOB_LABELS,
  LEGACY_POLICY_TYPE_TO_LOB,
  normalizeOperationalLinesOfBusiness,
  resolveOperationalProfileLinesOfBusiness,
  PERSONAL_LOB_CODES,
} from "@claritylabs/cl-sdk/policy-taxonomy";
```

<CardGroup cols={2}>
  <Card title="AcordLobCodeSchema" icon="shield-check">
    A Zod enum containing all 107 ACORD LOB codes. Use it to validate user input or parse external data before passing it into your application logic.
  </Card>

  <Card title="ACORD_LOB_CODES" icon="list">
    A plain array of all 107 ACORD LOB code strings. Useful for populating dropdowns or building filter sets.
  </Card>

  <Card title="ACORD_LOB_LABELS" icon="tag">
    A `Record<AcordLobCode, string>` map from code to human-readable label. Use this to display friendly names in your UI.
  </Card>

  <Card title="LEGACY_POLICY_TYPE_TO_LOB" icon="refresh-cw">
    Maps every legacy `policyType` string to one or more ACORD codes. Use this during a migration to translate stored legacy values.
  </Card>
</CardGroup>

### Utility Functions

<Tabs>
  <Tab title="normalizeOperationalLinesOfBusiness">
    Accepts an array of raw LOB strings — which may be legacy values, ACORD codes, or mixed — and returns a deduplicated array of valid `AcordLobCode` values.

    ```typescript theme={"system"}
    import { normalizeOperationalLinesOfBusiness } from "@claritylabs/cl-sdk/policy-taxonomy";

    const codes = normalizeOperationalLinesOfBusiness(["general_liability", "CGL", "AUTOB"]);
    // ["CGL", "AUTOB"]
    ```
  </Tab>

  <Tab title="resolveOperationalProfileLinesOfBusiness">
    Resolves the final normalized code array from a `PolicyOperationalProfile` by combining the profile's `linesOfBusiness` hint with coverage-derived inference. Use this when you have a full profile object and want a single authoritative code list.

    ```typescript theme={"system"}
    import { resolveOperationalProfileLinesOfBusiness } from "@claritylabs/cl-sdk/policy-taxonomy";

    const { linesOfBusiness } = resolveOperationalProfileLinesOfBusiness({
      profileLinesOfBusiness: operationalProfile.linesOfBusiness,
      coverages: operationalProfile.coverages,
    });
    // ["CGL", "AUTOB"]
    ```
  </Tab>

  <Tab title="PERSONAL_LOB_CODES">
    A `Set<AcordLobCode>` containing all personal lines codes. Use it to branch logic between personal and commercial policies.

    ```typescript theme={"system"}
    import { PERSONAL_LOB_CODES } from "@claritylabs/cl-sdk/policy-taxonomy";

    const isPersonal = codes.some((c) => PERSONAL_LOB_CODES.has(c));
    ```
  </Tab>
</Tabs>

## Full Classification Example

The following example runs extraction and then reads the resulting LOB codes with a human-readable label for each:

```typescript theme={"system"}
import { createExtractor } from "@claritylabs/cl-sdk";
import {
  ACORD_LOB_LABELS,
  resolveOperationalProfileLinesOfBusiness,
} from "@claritylabs/cl-sdk/policy-taxonomy";

const extractor = createExtractor({ generateObject });
const result = await extractor.extract(pdfBase64, "doc-123", { sourceSpans });

const { linesOfBusiness: codes } = resolveOperationalProfileLinesOfBusiness({
  profileLinesOfBusiness: result.operationalProfile!.linesOfBusiness,
  coverages: result.operationalProfile!.coverages,
});

for (const code of codes) {
  console.log(`${code}: ${ACORD_LOB_LABELS[code]}`);
}
// CGL: Commercial General Liability
// AUTOB: Business Auto
```

<Tip>
  Store the raw `AcordLobCode[]` array in your database rather than labels or legacy strings. Labels may be updated in future SDK versions, but code values are stable ACORD-defined identifiers.
</Tip>