Patent ID: 8392222

Claim:
A system comprising: a processor; a memory coupled to the processor, configured to store a mapping table comprising a plurality of combinations of values of attributes of entities to be insured and a plurality of availability indicators mapped to the plurality of combinations of values of attributes; wherein: the values of attributes characterize entities to be insured; the attributes include at least an effective date, an expiration date, a geographical location, a jurisdiction, or an industrial classification identifier; and an availability indicator indicates whether an insurance policy element is available for inclusion in insurance policies given a corresponding combination of values of attributes to which the availability indicator is mapped; the insurance policy elements include at least a coverage, a coverage term, a form, an endorsement, a modifier, or an exclusion; and the processor is configured to: obtain a plurality of values of attributes of a particular entity to be insured; use the plurality of values of attributes of the particular entity to identify within the mapping table one or more matching availability indicators that correspond to the obtained plurality of values of attributes; determine one or more insurance policy elements that correspond to the matching availability indicators; configure the insurance policy for the particular entity to be insured based on the determined one or more insurance policy elements and the one or more matching availability indicators, wherein the insurance policy for the particular entity to be insured includes more than one insurance policy elements, and wherein an insurance policy element associated with a matching availability indicator indicating that the insurance policy element is available is included in the insurance policy, and an insurance policy element associated with a matching availability indicator indicating that the insurance policy element is unavailable is excluded from the insurance policy.