Packages Overview

All packages live in packages/ and are published under the @openinsure/* scope. They are internal workspace packages — not published to npm. Reference them in other packages with "@openinsure/policy": "workspace:*".

Core Platform

`@openinsure/types`

Shared TypeScript types and enums used across all packages and apps. Import types from here rather than re-declaring in individual packages.

Key exports: PolicyStatus, ClaimStatus, LineOfBusiness, UserRole, NotificationChannel, InstallmentPlan

`@openinsure/db`

Database schema definitions (Drizzle ORM), migration utilities, and shared query helpers for PlanetScale (Vitess 22.0) via Hyperdrive.

Key exports: All Drizzle table objects (policies, claims, submissions, notifications, communicationsLedger, …), createDb(), migration CLI

Schema location: packages/db/src/supabase/schema/ Migrations: packages/db/migrations/supabase/ (0000–0081)

`@openinsure/config`

Shared runtime configuration, environment variable schemas (Zod), and feature flags.

Key exports: parseEnv(), getFeatureFlag(), feature flag constants

`@openinsure/auth`

Authentication helpers, JWT utilities, and role definitions. Not the auth Worker (that’s apps/auth) — this package provides the middleware primitives.

Key exports: createJWT(), verifyJWT(), ROLES, requireRole() (used in API middleware)

Insurance Domain

`@openinsure/policy`

Policy lifecycle state machine, transition validation, endorsement logic, cancellation, and renewal.

Key exports: validateTransition(), VALID_TRANSITIONS, calcReturnPremium(), PolicyStateMachine

Docs: Policy Lifecycle

`@openinsure/claims`

Claims lifecycle management, reserve calculations, IBNR modeling, subrogation tracking, and litigation workflow.

Key exports: createClaim(), updateReserve(), calcIBNR(), ClaimStateMachine, reserve adequacy flags

Docs: Claims Management

`@openinsure/billing`

Premium billing, installment plans, invoice generation, commission accounting, and trust ledger management.

Key exports: createInstallmentPlan(), calcReturnPremium(), calcCommission(), generateInvoice(), calcProRataRefund()

Docs: Premium Billing

`@openinsure/rating`

Deterministic actuarial rating engine — factor waterfall, rate table lookups, schedule rating, experience modification.

Key exports: rateSubmission(), explainRating(), applyScheduleRating(), RatingInput, RatingAudit

Docs: Rating Engine

`@openinsure/underwriting`

Underwriting rules engine, authority matrix enforcement, referral triggers, and DA validation.

Key exports: evaluateRules(), validateBindingAuthority(), checkAuthorityMatrix(), UWRule

Docs: Rating Engine & Underwriting

`@openinsure/producer`

Producer / agency management — license tracking, appointment management, commission rates, and performance metrics.

Key exports: createProducer(), updateLicense(), calcProducerCommission(), validateAppointment()

`@openinsure/coi`

Certificate of Insurance generation (ACORD 25) with additional insured logic, holder-specific conditions, batch issuance, and XSS-safe HTML rendering.

Key exports: buildCOIHTML(), generateCertificateNumber(), validateCOIRequest(), batchIssueCOIs(), COIRequest

Docs: Certificates of Insurance

MGA / Specialty

`@openinsure/delegated-authority`

Delegated authority agreement management, authority matrix configuration, breach detection, and aggregate tracking.

Key exports: validateBindingAuthority(), checkAggregateLimits(), recordBreach(), DAMatrix

Docs: Delegated Authority

`@openinsure/reinsurance`

Quota share, XOL, and aggregate XL treaty management, cession calculations, and cession statements.

Key exports: calcQuotaShareCession(), calcXOLCession(), calcAggregateXLCession(), compileCessionStatement()

Docs: Reinsurance Management

`@openinsure/stop-loss`

Specific and aggregate stop-loss calculations, premium estimation, and fund ratio analysis for captives.

Key exports: calcSpecificStopLoss(), calcAggregateStopLoss(), estimateSpecificSLPremium(), buildStopLossSummary()

Docs: Stop-Loss Insurance

`@openinsure/captive-admin`

Captive insurance administration — single-parent captive, group captive, and PCC management. Solvency monitoring and captive board reporting.

Key exports: calcFundedRatio(), runSolvencyCheck(), buildCaptiveReport()

Docs: Captive Overview

`@openinsure/loss-runs`

Loss run request workflows, PDF/CSV extraction, 5-year loss analysis, trend detection, and risk flagging.

Key exports: extractFromCSV(), extractFromPDF(), analyzeLossRun(), generateLossRun()

Docs: Loss Runs

Compliance & Regulated

`@openinsure/compliance`

Regulatory compliance engine — state filing requirements, notice periods, SLSF rates, surplus lines rules, and filing deadline tracking.

Key exports: validateCancellationDate(), getNoticePeriod(), calcSLSFTax(), getFilingRequirements()

Docs: Compliance Portal

`@openinsure/domicile`

State domicile rules for captives and RRGs — formation requirements, minimum capital, annual fees, and LRRA compliance.

Key exports: getDomicileRules(), validateCaptiveFormation(), getMinimumCapital(), LRRARequirements

Docs: Domicile Guide

`@openinsure/hipaa`

HIPAA compliance utilities — PHI field taxonomy, audit logging, runtime redaction, and BAA tracking.

Key exports: redactPHI(), logPHIAccess(), PHI_FIELDS, validateBAA()

Docs: HIPAA Compliance

Standards & Integrations

`@openinsure/acord`

ACORD standard form data models and AI-powered extraction pipeline for ACORD 125, 200, and supplemental forms.

Key exports: ACORD125, ACORD200, extractFromPDF(), extractionConfidence

Docs: ACORD Form Extraction

`@openinsure/x12`

X12 EDI transaction parser and builder — 834, 835, 837P, 210, 211.

Key exports: parseX12(), parse834(), parse835(), build837P(), parse210(), parse211()

Docs: X12 EDI

`@openinsure/fhir`

FHIR R4 resource builders and serializers for health data interoperability.

Key exports: buildClaimBundle(), buildEOB(), serializeFHIRXML(), Patient, Coverage, Claim

Docs: FHIR Health Data

Infrastructure & Utilities

`@openinsure/notify`

Multi-channel notification system — email (Graph/Resend/SMTP), SMS (Twilio), Teams (Bot Framework), Slack (webhook), in-app.

Key exports: createGraphEmailProvider(), createTeamsBotClient(), createSlackClient(), dispatchNotification(), createGraphMailboxReader()

Docs: Notifications

`@openinsure/documents`

Document generation (HTML→PDF), e-signature (Documenso), form assembly, and R2 storage.

Key exports: buildCOIHTML(), buildQuoteHTML(), buildDecPageHTML(), buildNOCHTML(), renderToPDF(), exportToCSV(), exportToExcel()

Docs: Document Generation

`@openinsure/agents`

AI agent orchestration — Durable Object agents, prompt management, Langfuse observability, and model routing.

Key exports: SubmissionAgent, ClaimAgent, UnderwritingAgent, OrchestratorAgent, agent base classes

Docs: AI Agents

`@openinsure/analytics`

Analytics event schema, KPI computation, predictive modeling, AI spend monitoring, and Cloudflare Analytics Engine + Tinybird integration.

Key exports: trackEvent(), computeMGAKPIs(), computeCaptiveKPIs(), predictLossRatio(), scoreRetention(), detectSpendAnomaly(), AnalyticsEvent

Docs: Analytics

`@openinsure/carrier`

Carrier integration layer — appetite evaluation, multi-carrier submission gateway, best-quote selection, and bordereaux SFTP export. Includes built-in database of 6 pre-configured carriers.

Key exports: checkCarrierAppetite(), rankCarriers(), findCarrier(), createCarrierGateway(), generateBordereauxCSV(), transmitBordereauxSftp(), CARRIER_DB

Docs: Carrier Gateway

Running Package Commands

# Test a single package
pnpm --filter @openinsure/policy test

# Build a package
pnpm --filter @openinsure/rating build

# Type-check
pnpm --filter @openinsure/claims exec tsc --noEmit

# Test a group of related packages
pnpm --filter "@openinsure/{policy,claims,billing,rating}" test