Touchstone® supports exposure data contained in the following four types of policies/certificates/treaties:

• Primary Property (PP) policies: Provide financial protection, up to the limits of a policy, against the loss of or damage to real and personal property caused by various perils. Policies of this type pay compensation regardless of other insurance coverages the policyholder may have. The primary property insurance market is often split into broad lines of business, as they relate to catastrophe risk: residential or personal property, commercial property, automobile lines, and offshore oil and gas risks.
• Primary Workers' Compensation (PWC) policies: Cover workers' wages and medical expenses as a result of earthquake or acts of terrorism within the United States, or can be used to model Personal Accidents (PA) covered by the Japanese earthquake model.
• Facultative Property (FP) certificates: Are contracts formalizing reinsurance cession on individual risks. Reinsurers can accept or reject individual risks.
• Facultative Workers' Compensation (FWC) certificates: Are the same type of policy as facultative property certificates, but, instead of covering property, provide workers’ compensation benefits.

The policy type determines how you code the exposure data that you want to import or add into Touchstone.