{"template_id":"insurance_claims_v1","version":"0.1.0","description":"Insurance claims arbitration template. 5 roles: insured, insurer, reinsurer (opt), repair_vendor (opt), claims_adjuster_agent. 5 lines of business: auto/property/health/cyber/marine. 6 claim types with deterministic remedies. Jurisdiction-aware.","role_names":["insured","insurer","reinsurer","repair_vendor","claims_adjuster_agent"],"lines_of_business":["auto","property","health","cyber","marine"],"claim_types":["collision","theft","fire","liability","cyber-breach","business-interruption"],"claim_types_by_line":{"auto":["collision","theft","fire","liability"],"property":["theft","fire","liability","business-interruption"],"health":["liability"],"cyber":["cyber-breach","business-interruption","liability"],"marine":["theft","fire","business-interruption","collision"]},"remedies":{"collision":{"apply_deductible":true,"coverage_limit_applies":true,"rep_delta_insured_on_pay":0.0,"rep_delta_insurer_on_pay":0.5,"rep_delta_insured_on_deny_bad_faith":1.0,"rep_delta_insurer_on_deny_bad_faith":-3.0,"bad_faith_bond_slash_pct":0.05,"description":"Vehicle collision. Approved = min(max(0, claimed - deductible), coverage_limit). Bad-faith denial slashes 5% of insurer bond."},"theft":{"apply_deductible":true,"coverage_limit_applies":true,"rep_delta_insured_on_pay":0.0,"rep_delta_insurer_on_pay":0.5,"rep_delta_insured_on_deny_bad_faith":1.0,"rep_delta_insurer_on_deny_bad_faith":-3.0,"bad_faith_bond_slash_pct":0.05,"description":"Theft of vehicle/property/cargo. Approved = min(max(0, claimed - deductible), coverage_limit). Bad-faith denial slashes 5%."},"fire":{"apply_deductible":true,"coverage_limit_applies":true,"rep_delta_insured_on_pay":0.0,"rep_delta_insurer_on_pay":0.5,"rep_delta_insured_on_deny_bad_faith":1.5,"rep_delta_insurer_on_deny_bad_faith":-4.0,"bad_faith_bond_slash_pct":0.07,"description":"Fire damage. Replacement-cost basis. Approved = min(max(0, claimed - deductible), coverage_limit). Bad-faith denial slashes 7%."},"liability":{"apply_deductible":false,"coverage_limit_applies":true,"rep_delta_insured_on_pay":0.0,"rep_delta_insurer_on_pay":0.5,"rep_delta_insured_on_deny_bad_faith":1.0,"rep_delta_insurer_on_deny_bad_faith":-3.5,"bad_faith_bond_slash_pct":0.06,"description":"Third-party liability. Approved = min(claimed, coverage_limit). No insured deductible by default. Bad-faith denial slashes 6%."},"cyber-breach":{"apply_deductible":true,"coverage_limit_applies":true,"rep_delta_insured_on_pay":0.0,"rep_delta_insurer_on_pay":0.7,"rep_delta_insured_on_deny_bad_faith":2.0,"rep_delta_insurer_on_deny_bad_faith":-5.0,"bad_faith_bond_slash_pct":0.08,"description":"Cyber breach. Per-incident retention applied as deductible. Approved = min(max(0, claimed - retention), coverage_limit). Bad-faith denial slashes 8% (high-stakes class)."},"business-interruption":{"apply_deductible":true,"coverage_limit_applies":true,"rep_delta_insured_on_pay":0.0,"rep_delta_insurer_on_pay":0.5,"rep_delta_insured_on_deny_bad_faith":1.5,"rep_delta_insurer_on_deny_bad_faith":-4.0,"bad_faith_bond_slash_pct":0.06,"description":"Business interruption. Approved = min(max(0, claimed - deductible), coverage_limit). Bad-faith denial slashes 6%."}}}