Broker & Commissions

The broker-api service holds broker configuration and the commissions earned when a broker-introduced policy is bound.

Field reference: full columns, types and nullability live in the catalog: glossary terms BrokerConfig, Commission. This page is the narrative.

BrokerConfig

BrokerConfig records a broker integration: a unique broker_id (a free-text identifier (there is no separate Broker/Party entity)), a delegated_authority_limit (the maximum policy size the broker may bind without insurer countersignature), and a default_commission_rate. Both money/rate fields default to 0.

Commission

A Commission is a fee payable to a broker when a policy they introduced is bound or renewed. It records the broker_id, the policy_locator, the applicable rate, the computed amount, and a settlement status.

status is a real DB CHECK: PENDING | PAID. Commissions are reconciled against billing invoices.

Invariants

• BrokerConfig.broker_id and BrokerConfig.locator are each unique.
• Commission.status ∈ { PENDING, PAID } (DB-enforced); broker_id, policy_locator, rate and amount are NOT NULL.

Caveats

• broker_id is a free-text identifier, not a Party FK; policy_locator is a locator (text) reference.
• There is no broker entity beyond BrokerConfig; the broker is not a first-class party.