{ "$schema": "https://json-schema.org/draft/2020-12/schema", "$id": "https://schemas.neurondigitaltrading.com/select/us/cyber/broker/final/submission/v1/validations", "title": "Neuron Cyber Submission Schema (Submitted State)", "description": "Strict validation schema for Submissions in SUBMITTED state.", "type": "object", "additionalProperties": true, "properties": { "$schema": { "type": "string", "minLength": 1, "maxLength": 2048 }, "submissionId": { "type": "string", "minLength": 1, "maxLength": 200 }, "status": { "type": "string", "enum": [ "DRAFT" ] }, "processStatus": { "type": "string", "enum": [ "SUBMITTED_TO_BROKER" ] }, "submissionCreatedAt": { "type": "string", "format": "date-time" }, "submissionUpdatedAt": { "type": "string", "format": "date-time" }, "submissionSubmittedAt": { "type": "string", "format": "date-time" }, "brokerId": { "type": "string", "minLength": 1, "maxLength": 200 }, "carrierIds": { "type": "array", "minItems": 1, "items": { "type": "string", "minLength": 1, "maxLength": 200 } }, "carrierNames": { "type": "array", "items": { "type": "string", "minLength": 1, "maxLength": 200 } }, "quoteDueDate": { "type": "string", "format": "date" }, "isIncumbent": { "type": "boolean" }, "expiringPolicy": { "type": "string", "minLength": 1, "maxLength": 200 }, "sanctionsClear": { "type": "boolean", "const": true }, "comments": { "type": "string", "minLength": 1, "maxLength": 4000 }, "type": { "type": "string", "enum": [ "LOW-COMPLEXITY" ] }, "documents": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "url": { "type": "string" }, "contentType": { "type": "string" } } } }, "contacts": { "type": "object", "additionalProperties": false, "required": [ "broker", "insured", "cybersecurity" ], "properties": { "broker": { "type": "object", "required": [ "name", "email" ], "properties": { "name": { "type": "string", "maxLength": 100 }, "email": { "type": "string", "maxLength": 100 }, "phone": { "type": "string", "maxLength": 20 }, "role": { "type": "string", "maxLength": 100 } } }, "insured": { "type": "object", "required": [ "name", "email", "role" ], "properties": { "name": { "type": "string", "maxLength": 100 }, "email": { "type": "string", "maxLength": 100 }, "role": { "type": "string", "maxLength": 100 } } }, "cybersecurity": { "type": "object", "required": [ "name", "email", "phone", "role" ], "properties": { "name": { "type": "string", "maxLength": 100 }, "email": { "type": "string", "maxLength": 100 }, "phone": { "type": "string", "maxLength": 20 }, "role": { "type": "string", "maxLength": 100 } } } } }, "brokerageOffices": { "type": "object", "required": [ "name", "address" ], "properties": { "name": { "type": "string", "maxLength": 200 }, "address": { "$ref": "#/$defs/addressBlock" } } }, "insured": { "type": "object", "additionalProperties": false, "required": [ "GCID", "name", "address", "industryClassificationSystem", "websiteAddress", "businessDescription", "revenueGeneratingOperationsOutsideDomiciledCountry", "numberOfEmployees", "revenue", "highRiskOrRegulatedActivitiesEngagement", "mergersAcquisitions" ], "properties": { "GCID": { "type": "integer" }, "name": { "type": "string", "maxLength": 200 }, "address": { "$ref": "#/$defs/addressBlock" }, "industryClassificationSystem": { "type": "string", "enum": [ "NAICS", "SIC" ] }, "predominantIndustryNAICS": { "type": "string" }, "NAICS": { "type": "string" }, "predominantIndustrySIC": { "type": "string" }, "SIC": { "type": "string" }, "websiteAddress": { "type": "string", "maxLength": 500 }, "businessDescription": { "type": "string", "maxLength": 500 }, "revenueGeneratingOperationsOutsideDomiciledCountry": { "type": "boolean" }, "revenueGeneratingOperationsOutsideDomiciledCountryPrcnt": { "type": "number", "minimum": 0, "maximum": 100 }, "numberOfEmployees": { "type": "integer", "maximum": 999999999999 }, "revenue": { "type": "object", "required": [ "recentYear", "currentYear" ], "properties": { "recentYear": { "$ref": "#/$defs/moneyBlock" }, "currentYear": { "$ref": "#/$defs/moneyBlock" } } }, "highRiskOrRegulatedActivitiesEngagement": { "type": "boolean" }, "mergersAcquisitions": { "type": "boolean" } }, "allOf": [ { "if": { "properties": { "industryClassificationSystem": { "const": "NAICS" } } }, "then": { "required": [ "predominantIndustryNAICS", "NAICS" ] } }, { "if": { "properties": { "industryClassificationSystem": { "const": "SIC" } } }, "then": { "required": [ "predominantIndustrySIC", "SIC" ] } }, { "if": { "properties": { "revenueGeneratingOperationsOutsideDomiciledCountry": { "const": true } } }, "then": { "required": [ "revenueGeneratingOperationsOutsideDomiciledCountryPrcnt" ] } } ] }, "policyHolder": { "type": "object", "additionalProperties": false, "required": [ "name", "address" ], "properties": { "name": { "type": "string", "maxLength": 200 }, "address": { "$ref": "#/$defs/addressBlock" } } }, "options": { "type": "array", "minItems": 1, "items": { "type": "object", "additionalProperties": true, "required": [ "optionId", "description", "includedRiskIds", "inceptionDate", "expiryDate", "policyLimit", "deductible", "risks" ], "properties": { "optionId": { "type": "string", "maxLength": 200 }, "description": { "type": "string", "maxLength": 200 }, "includedRiskIds": { "type": "array", "items": { "type": "string" } }, "inceptionDate": { "type": "string", "format": "date" }, "expiryDate": { "type": "string", "format": "date" }, "brokeragePercentage": { "type": "number", "minimum": 0, "maximum": 99.99 }, "currency": { "type": "string", "minLength": 3, "maxLength": 3 }, "annualPremium": { "$ref": "#/$defs/moneyBlock" }, "policyLimit": { "$ref": "#/$defs/moneyBlock" }, "deductible": { "$ref": "#/$defs/moneyBlock" }, "limitBasis": { "type": "string", "enum": [ "Aggregate", "All claims", "Each claim" ] }, "retroactiveDate": { "type": "string", "description": "Can be a specific date (YYYY-MM-DD) or a standard term.", "oneOf": [ { "format": "date", "description": "RFC 3339 date format" }, { "enum": [ "Full prior acts", "N/A", "Unlimited" ], "description": "Standard business terms" } ] }, "waitingPeriodHours": { "type": "integer", "maximum": 99999 }, "risks": { "type": "array", "items": { "type": "object", "additionalProperties": false, "required": [ "optionRiskId", "riskId", "lineOfBusiness", "coverageNames" ], "properties": { "optionRiskId": { "type": "string", "maxLength": 500 }, "riskId": { "type": "string", "maxLength": 200 }, "lineOfBusiness": { "type": "string", "const": "Cyber" }, "coverageNames": { "type": "array", "items": { "type": "string" } }, "coverages": { "type": "object", "additionalProperties": false, "properties": { "dataNetworkSecurityLiability": { "$ref": "#/$defs/coverageDetail" }, "regulatoryDefense": { "$ref": "#/$defs/coverageDetail" }, "pciDssLiability": { "$ref": "#/$defs/coverageDetail" }, "mediaLiability": { "$ref": "#/$defs/coverageDetail" }, "contingentBodilyInjury": { "$ref": "#/$defs/coverageDetail" }, "incidentResponseCost": { "$ref": "#/$defs/coverageDetail" }, "nonPanelResponseProvider": { "$ref": "#/$defs/coverageDetail" }, "publicRelationsAndCrisisManagement": { "$ref": "#/$defs/coverageDetail" }, "extortionLoss": { "$ref": "#/$defs/coverageDetail" }, "businessInterruptionLoss": { "$ref": "#/$defs/coverageDetailWithWaitingPeriod" }, "contingentBusinessInterruptionLoss": { "$ref": "#/$defs/coverageDetailWithWaitingPeriod" }, "digitalDataRecovery": { "$ref": "#/$defs/coverageDetail" }, "reputationLoss": { "$ref": "#/$defs/coverageDetail" }, "computerReplacementAndBricking": { "$ref": "#/$defs/coverageDetail" }, "criminalReward": { "$ref": "#/$defs/coverageDetail" }, "fundsTransferFraud": { "$ref": "#/$defs/coverageDetail" }, "fraudulentInstruction": { "$ref": "#/$defs/coverageDetail" }, "invoiceManipulation": { "$ref": "#/$defs/coverageDetail" }, "socialEngineeringFraud": { "$ref": "#/$defs/coverageDetail" }, "telecommunicationsTheftLoss": { "$ref": "#/$defs/coverageDetail" } } } } } } } } }, "riskAttributes": { "type": "object", "additionalProperties": false, "required": [ "lineOfBusinesses", "mfaForRemoteAccessToTheNetwork", "mfaForAccessToWebBasedEmail", "emailSecurityControls", "frequencyOfInteractiveSocialEngineeringTraining", "frequencyOfBusinessCriticalDataBackup", "companyDevicesProtectionSoftwareUsage", "installedCriticalPatchesAcrossInternetFacingSystems", "microsoft365DefenderUsage", "defaultMacrosOfficeSetting", "eppToPreventOrDetectMaliciousActivity", "edrToPreventOrDetectMaliciousActivity", "mdrToPreventOrDetectMaliciousActivity", "hardenedBaselineConfigurationUsage", "cloudBasedBackupService", "incidentResponsePlan", "reviewProcessForScreeningMediaMaterial", "attorneyReviewsOfMediaMaterial", "contentRemovalPolicy", "employeesAntiFraudTraining", "vendorAccountChangeVerification" ], "properties": { "lineOfBusinesses": { "type": "array", "items": { "type": "string", "const": "Cyber" } }, "mfaForRemoteAccessToTheNetwork": { "type": "string", "enum": [ "Yes", "No", "Remote access not permitted" ] }, "mfaForAccessToWebBasedEmail": { "type": "string", "enum": [ "Yes", "No", "Access not permitted/no web-based email" ] }, "emailSecurityControls": { "type": "array", "items": { "type": "string" } }, "frequencyOfInteractiveSocialEngineeringTraining": { "type": "string", "enum": [ "Never", "Annually", ">=2x per year" ] }, "frequencyOfBusinessCriticalDataBackup": { "type": "string", "enum": [ "No", "Monthly", "Weekly", "Daily" ] }, "companyDevicesProtectionSoftwareUsage": { "type": "boolean" }, "installedCriticalPatchesAcrossInternetFacingSystems": { "type": "boolean" }, "microsoft365DefenderUsage": { "type": "boolean" }, "defaultMacrosOfficeSetting": { "type": "boolean" }, "eppToPreventOrDetectMaliciousActivity": { "type": "string" }, "edrToPreventOrDetectMaliciousActivity": { "type": "string" }, "mdrToPreventOrDetectMaliciousActivity": { "type": "string" }, "hardenedBaselineConfigurationUsage": { "type": "boolean" }, "cloudBasedBackupService": { "type": "string" }, "incidentResponsePlan": { "type": "boolean" }, "reviewProcessForScreeningMediaMaterial": { "type": "boolean" }, "attorneyReviewsOfMediaMaterial": { "type": "boolean" }, "contentRemovalPolicy": { "type": "boolean" }, "employeesAntiFraudTraining": { "type": "boolean" }, "vendorAccountChangeVerification": { "type": "boolean" } } }, "claims": { "type": "object", "additionalProperties": false, "required": [ "claims5YearsAvailable", "potentialClaimNotification", "occurredCyberClaimComplaintInTheLast5Years", "privacyInvestigation5YearsHistory", "dataBreachIncidentsDuringTheLast5Years", "actualOrAttemptedExtortionDemandToComputerSystems", "3OrMoreOccurredClaimsActionsEvents" ], "properties": { "claims5YearsAvailable": { "type": "boolean" }, "potentialClaimNotification": { "type": "boolean" }, "occurredCyberClaimComplaintInTheLast5Years": { "type": "boolean" }, "history": { "type": "array", "items": { "type": "object", "properties": { "amountOfClaim": { "type": "number" }, "claimAmountCurrency": { "type": "string" } } } }, "privacyInvestigation5YearsHistory": { "type": "boolean" }, "dataBreachIncidentsDuringTheLast5Years": { "type": "boolean" }, "actualOrAttemptedExtortionDemandToComputerSystems": { "type": "boolean" }, "3OrMoreOccurredClaimsActionsEvents": { "type": "boolean" }, "disclosuresAndClarifications": { "type": "string", "minLength": 1, "maxLength": 200 } }, "allOf": [ { "if": { "properties": { "claims5YearsAvailable": { "const": true } } }, "then": { "properties": { "history": { "items": { "required": [ "amountOfClaim", "claimAmountCurrency" ] } } } } } ] } }, "required": [ "$schema", "submissionId", "quoteDueDate", "brokerId", "carrierIds", "type", "contacts", "brokerageOffices", "insured", "policyHolder", "options", "riskAttributes" ], "$defs": { "addressBlock": { "type": "object", "required": [ "addressLine1", "city", "postCodeZip", "country" ], "properties": { "addressLine1": { "type": "string", "maxLength": 200 }, "addressLine2": { "type": "string", "maxLength": 200 }, "addressLine3": { "type": "string", "maxLength": 200 }, "addressLine4": { "type": "string", "maxLength": 200 }, "city": { "type": "string", "maxLength": 58 }, "postCodeZip": { "type": "string", "maxLength": 20 }, "country": { "type": "string", "enum": [ "US" ] }, "state": { "type": "string" } }, "allOf": [ { "if": { "properties": { "country": { "const": "US" } } }, "then": { "required": [ "state" ] } } ] }, "moneyBlock": { "type": "object", "required": [ "amount", "currency" ], "properties": { "amount": { "type": "number", "minimum": 1 }, "currency": { "type": "string", "minLength": 3, "maxLength": 3 } } }, "coverageDetail": { "type": "object", "additionalProperties": false, "properties": { "limitAmount": { "type": "number", "minimum": 1 }, "limitCurrency": { "type": "string", "minLength": 3, "maxLength": 3 }, "limitBasis": { "type": "string", "enum": [ "Aggregate", "All claims", "Each claim" ] }, "deductibleAmount": { "type": "number", "minimum": 1 }, "deductibleCurrency": { "type": "string", "minLength": 3, "maxLength": 3 }, "retentionAmount": { "type": "number", "minimum": 1 }, "retentionCurrency": { "type": "string", "minLength": 3, "maxLength": 3 } } }, "coverageDetailWithWaitingPeriod": { "type": "object", "additionalProperties": false, "properties": { "limitAmount": { "type": "number", "minimum": 1 }, "limitCurrency": { "type": "string", "minLength": 3, "maxLength": 3 }, "limitBasis": { "type": "string", "enum": [ "Aggregate", "All claims", "Each claim" ] }, "deductibleAmount": { "type": "number", "minimum": 1 }, "deductibleCurrency": { "type": "string", "minLength": 3, "maxLength": 3 }, "retentionAmount": { "type": "number", "minimum": 1 }, "retentionCurrency": { "type": "string", "minLength": 3, "maxLength": 3 }, "waitingPeriodHours": { "type": "integer", "minimum": 1, "maximum": 99999 } } } } }