@claritylabs/cl-sdk 0.13.1 → 0.14.1

package/dist/index.mjs

@@ -2211,7 +2211,20 @@ async function formatDocumentContent(doc, generateText, options) {
 }
 
 // src/extraction/chunking.ts
+function formatAddress(addr) {
+  const parts = [addr.street1, addr.street2, addr.city, addr.state, addr.zip, addr.country].filter(Boolean);
+  return parts.join(", ");
+}
 function chunkDocument(doc) {
+  const ensureArray = (v) => Array.isArray(v) ? v : [];
+  doc = {
+    ...doc,
+    taxesAndFees: ensureArray(doc.taxesAndFees),
+    ratingBasis: ensureArray(doc.ratingBasis),
+    claimsContacts: ensureArray(doc.claimsContacts),
+    regulatoryContacts: ensureArray(doc.regulatoryContacts),
+    thirdPartyAdministrators: ensureArray(doc.thirdPartyAdministrators)
+  };
   const chunks = [];
   const docId = doc.id;
   function stringMetadata(entries) {
@@ -2228,10 +2241,101 @@ function chunkDocument(doc) {
       doc.carrierLegalName ? `Legal Name: ${doc.carrierLegalName}` : null,
       doc.carrierNaicNumber ? `NAIC: ${doc.carrierNaicNumber}` : null,
       doc.carrierAmBestRating ? `AM Best: ${doc.carrierAmBestRating}` : null,
-      doc.mga ? `MGA: ${doc.mga}` : null
+      doc.carrierAdmittedStatus ? `Admitted Status: ${doc.carrierAdmittedStatus}` : null,
+      doc.mga ? `MGA: ${doc.mga}` : null,
+      doc.underwriter ? `Underwriter: ${doc.underwriter}` : null,
+      doc.brokerAgency ? `Broker: ${doc.brokerAgency}` : null,
+      doc.brokerContactName ? `Broker Contact: ${doc.brokerContactName}` : null,
+      doc.brokerLicenseNumber ? `Broker License: ${doc.brokerLicenseNumber}` : null,
+      doc.programName ? `Program: ${doc.programName}` : null,
+      doc.priorPolicyNumber ? `Prior Policy: ${doc.priorPolicyNumber}` : null,
+      doc.isRenewal != null ? `Renewal: ${doc.isRenewal ? "Yes" : "No"}` : null,
+      doc.isPackage != null ? `Package: ${doc.isPackage ? "Yes" : "No"}` : null,
+      doc.security ? `Security: ${doc.security}` : null,
+      doc.policyTypes?.length ? `Policy Types: ${doc.policyTypes.join(", ")}` : null
     ].filter(Boolean).join("\n"),
     metadata: stringMetadata({ carrier: doc.carrier, documentType: doc.type })
   });
+  if (doc.summary) {
+    chunks.push({
+      id: `${docId}:declaration:summary`,
+      documentId: docId,
+      type: "declaration",
+      text: `Policy Summary: ${doc.summary}`,
+      metadata: stringMetadata({ documentType: doc.type })
+    });
+  }
+  if (doc.type === "policy") {
+    const pol = doc;
+    chunks.push({
+      id: `${docId}:declaration:policy_details`,
+      documentId: docId,
+      type: "declaration",
+      text: [
+        `Policy Number: ${pol.policyNumber}`,
+        `Effective Date: ${pol.effectiveDate}`,
+        pol.expirationDate ? `Expiration Date: ${pol.expirationDate}` : null,
+        pol.policyTermType ? `Term Type: ${pol.policyTermType}` : null,
+        pol.effectiveTime ? `Effective Time: ${pol.effectiveTime}` : null,
+        pol.nextReviewDate ? `Next Review Date: ${pol.nextReviewDate}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        policyNumber: pol.policyNumber,
+        effectiveDate: pol.effectiveDate,
+        expirationDate: pol.expirationDate,
+        documentType: doc.type
+      })
+    });
+  } else {
+    const quote = doc;
+    chunks.push({
+      id: `${docId}:declaration:quote_details`,
+      documentId: docId,
+      type: "declaration",
+      text: [
+        `Quote Number: ${quote.quoteNumber}`,
+        quote.proposedEffectiveDate ? `Proposed Effective Date: ${quote.proposedEffectiveDate}` : null,
+        quote.proposedExpirationDate ? `Proposed Expiration Date: ${quote.proposedExpirationDate}` : null,
+        quote.quoteExpirationDate ? `Quote Expiration Date: ${quote.quoteExpirationDate}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        quoteNumber: quote.quoteNumber,
+        documentType: doc.type
+      })
+    });
+  }
+  if (doc.insurer) {
+    chunks.push({
+      id: `${docId}:party:insurer`,
+      documentId: docId,
+      type: "party",
+      text: [
+        `Insurer: ${doc.insurer.legalName}`,
+        doc.insurer.naicNumber ? `NAIC: ${doc.insurer.naicNumber}` : null,
+        doc.insurer.amBestRating ? `AM Best Rating: ${doc.insurer.amBestRating}` : null,
+        doc.insurer.amBestNumber ? `AM Best Number: ${doc.insurer.amBestNumber}` : null,
+        doc.insurer.admittedStatus ? `Admitted Status: ${doc.insurer.admittedStatus}` : null,
+        doc.insurer.stateOfDomicile ? `State of Domicile: ${doc.insurer.stateOfDomicile}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ partyRole: "insurer", partyName: doc.insurer.legalName, documentType: doc.type })
+    });
+  }
+  if (doc.producer) {
+    chunks.push({
+      id: `${docId}:party:producer`,
+      documentId: docId,
+      type: "party",
+      text: [
+        `Producer/Broker: ${doc.producer.agencyName}`,
+        doc.producer.contactName ? `Contact: ${doc.producer.contactName}` : null,
+        doc.producer.licenseNumber ? `License: ${doc.producer.licenseNumber}` : null,
+        doc.producer.phone ? `Phone: ${doc.producer.phone}` : null,
+        doc.producer.email ? `Email: ${doc.producer.email}` : null,
+        doc.producer.address ? `Address: ${formatAddress(doc.producer.address)}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ partyRole: "producer", partyName: doc.producer.agencyName, documentType: doc.type })
+    });
+  }
   chunks.push({
     id: `${docId}:named_insured:0`,
     documentId: docId,
@@ -2239,11 +2343,27 @@ function chunkDocument(doc) {
     text: [
       `Insured: ${doc.insuredName}`,
       doc.insuredDba ? `DBA: ${doc.insuredDba}` : null,
+      doc.insuredEntityType ? `Entity Type: ${doc.insuredEntityType}` : null,
       doc.insuredFein ? `FEIN: ${doc.insuredFein}` : null,
-      doc.insuredAddress ? `Address: ${doc.insuredAddress.street1}, ${doc.insuredAddress.city}, ${doc.insuredAddress.state} ${doc.insuredAddress.zip}` : null
+      doc.insuredSicCode ? `SIC: ${doc.insuredSicCode}` : null,
+      doc.insuredNaicsCode ? `NAICS: ${doc.insuredNaicsCode}` : null,
+      doc.insuredAddress ? `Address: ${formatAddress(doc.insuredAddress)}` : null
     ].filter(Boolean).join("\n"),
     metadata: stringMetadata({ insuredName: doc.insuredName, documentType: doc.type })
   });
+  doc.additionalNamedInsureds?.forEach((insured, i) => {
+    chunks.push({
+      id: `${docId}:named_insured:${i + 1}`,
+      documentId: docId,
+      type: "named_insured",
+      text: [
+        `Additional Named Insured: ${insured.name}`,
+        insured.address ? `Address: ${formatAddress(insured.address)}` : null,
+        insured.relationship ? `Relationship: ${insured.relationship}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ insuredName: insured.name, role: "additional_named_insured", documentType: doc.type })
+    });
+  });
   doc.coverages.forEach((cov, i) => {
     chunks.push({
       id: `${docId}:coverage:${i}`,
@@ -2270,6 +2390,153 @@ function chunkDocument(doc) {
       })
     });
   });
+  doc.enrichedCoverages?.forEach((cov, i) => {
+    chunks.push({
+      id: `${docId}:coverage:enriched:${i}`,
+      documentId: docId,
+      type: "coverage",
+      text: [
+        `Coverage: ${cov.name}`,
+        cov.coverageCode ? `Code: ${cov.coverageCode}` : null,
+        `Limit: ${cov.limit}`,
+        cov.limitType ? `Limit Type: ${cov.limitType}` : null,
+        cov.deductible ? `Deductible: ${cov.deductible}` : null,
+        cov.deductibleType ? `Deductible Type: ${cov.deductibleType}` : null,
+        cov.sir ? `SIR: ${cov.sir}` : null,
+        cov.sublimit ? `Sublimit: ${cov.sublimit}` : null,
+        cov.coinsurance ? `Coinsurance: ${cov.coinsurance}` : null,
+        cov.valuation ? `Valuation: ${cov.valuation}` : null,
+        cov.territory ? `Territory: ${cov.territory}` : null,
+        cov.trigger ? `Trigger: ${cov.trigger}` : null,
+        cov.retroactiveDate ? `Retroactive Date: ${cov.retroactiveDate}` : null,
+        `Included: ${cov.included ? "Yes" : "No"}`,
+        cov.premium ? `Premium: ${cov.premium}` : null,
+        cov.originalContent ? `Source: ${cov.originalContent}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        coverageName: cov.name,
+        coverageCode: cov.coverageCode,
+        limit: cov.limit,
+        deductible: cov.deductible,
+        formNumber: cov.formNumber,
+        pageNumber: cov.pageNumber,
+        included: cov.included,
+        documentType: doc.type
+      })
+    });
+  });
+  if (doc.limits) {
+    const limitLines = ["Limit Schedule"];
+    const lim = doc.limits;
+    if (lim.perOccurrence) limitLines.push(`Per Occurrence: ${lim.perOccurrence}`);
+    if (lim.generalAggregate) limitLines.push(`General Aggregate: ${lim.generalAggregate}`);
+    if (lim.productsCompletedOpsAggregate) limitLines.push(`Products/Completed Ops Aggregate: ${lim.productsCompletedOpsAggregate}`);
+    if (lim.personalAdvertisingInjury) limitLines.push(`Personal & Advertising Injury: ${lim.personalAdvertisingInjury}`);
+    if (lim.eachEmployee) limitLines.push(`Each Employee: ${lim.eachEmployee}`);
+    if (lim.fireDamage) limitLines.push(`Fire Damage: ${lim.fireDamage}`);
+    if (lim.medicalExpense) limitLines.push(`Medical Expense: ${lim.medicalExpense}`);
+    if (lim.combinedSingleLimit) limitLines.push(`Combined Single Limit: ${lim.combinedSingleLimit}`);
+    if (lim.bodilyInjuryPerPerson) limitLines.push(`Bodily Injury Per Person: ${lim.bodilyInjuryPerPerson}`);
+    if (lim.bodilyInjuryPerAccident) limitLines.push(`Bodily Injury Per Accident: ${lim.bodilyInjuryPerAccident}`);
+    if (lim.propertyDamage) limitLines.push(`Property Damage: ${lim.propertyDamage}`);
+    if (lim.eachOccurrenceUmbrella) limitLines.push(`Umbrella Each Occurrence: ${lim.eachOccurrenceUmbrella}`);
+    if (lim.umbrellaAggregate) limitLines.push(`Umbrella Aggregate: ${lim.umbrellaAggregate}`);
+    if (lim.umbrellaRetention) limitLines.push(`Umbrella Retention: ${lim.umbrellaRetention}`);
+    if (lim.statutory) limitLines.push(`Statutory: Yes`);
+    if (lim.employersLiability) {
+      limitLines.push(`Employers Liability \u2014 Each Accident: ${lim.employersLiability.eachAccident}, Disease Policy Limit: ${lim.employersLiability.diseasePolicyLimit}, Disease Each Employee: ${lim.employersLiability.diseaseEachEmployee}`);
+    }
+    if (lim.defenseCostTreatment) limitLines.push(`Defense Cost Treatment: ${lim.defenseCostTreatment}`);
+    chunks.push({
+      id: `${docId}:coverage:limit_schedule`,
+      documentId: docId,
+      type: "coverage",
+      text: limitLines.join("\n"),
+      metadata: stringMetadata({ coverageName: "limit_schedule", documentType: doc.type })
+    });
+    lim.sublimits?.forEach((sub, i) => {
+      chunks.push({
+        id: `${docId}:coverage:sublimit:${i}`,
+        documentId: docId,
+        type: "coverage",
+        text: [
+          `Sublimit: ${sub.name}`,
+          `Limit: ${sub.limit}`,
+          sub.appliesTo ? `Applies To: ${sub.appliesTo}` : null,
+          sub.deductible ? `Deductible: ${sub.deductible}` : null
+        ].filter(Boolean).join("\n"),
+        metadata: stringMetadata({ coverageName: sub.name, limit: sub.limit, documentType: doc.type })
+      });
+    });
+    lim.sharedLimits?.forEach((sl, i) => {
+      chunks.push({
+        id: `${docId}:coverage:shared_limit:${i}`,
+        documentId: docId,
+        type: "coverage",
+        text: [
+          `Shared Limit: ${sl.description}`,
+          `Limit: ${sl.limit}`,
+          `Coverage Parts: ${sl.coverageParts.join(", ")}`
+        ].join("\n"),
+        metadata: stringMetadata({ coverageName: sl.description, limit: sl.limit, documentType: doc.type })
+      });
+    });
+  }
+  if (doc.deductibles) {
+    const dedLines = ["Deductible Schedule"];
+    const ded = doc.deductibles;
+    if (ded.perClaim) dedLines.push(`Per Claim: ${ded.perClaim}`);
+    if (ded.perOccurrence) dedLines.push(`Per Occurrence: ${ded.perOccurrence}`);
+    if (ded.aggregateDeductible) dedLines.push(`Aggregate: ${ded.aggregateDeductible}`);
+    if (ded.selfInsuredRetention) dedLines.push(`Self-Insured Retention: ${ded.selfInsuredRetention}`);
+    if (ded.corridorDeductible) dedLines.push(`Corridor: ${ded.corridorDeductible}`);
+    if (ded.waitingPeriod) dedLines.push(`Waiting Period: ${ded.waitingPeriod}`);
+    if (ded.appliesTo) dedLines.push(`Applies To: ${ded.appliesTo}`);
+    if (dedLines.length > 1) {
+      chunks.push({
+        id: `${docId}:coverage:deductible_schedule`,
+        documentId: docId,
+        type: "coverage",
+        text: dedLines.join("\n"),
+        metadata: stringMetadata({ coverageName: "deductible_schedule", documentType: doc.type })
+      });
+    }
+  }
+  const claimsMadeLines = [
+    doc.coverageForm ? `Coverage Form: ${doc.coverageForm}` : null,
+    doc.retroactiveDate ? `Retroactive Date: ${doc.retroactiveDate}` : null,
+    doc.extendedReportingPeriod?.basicDays ? `Extended Reporting Period (Basic): ${doc.extendedReportingPeriod.basicDays} days` : null,
+    doc.extendedReportingPeriod?.supplementalYears ? `Extended Reporting Period (Supplemental): ${doc.extendedReportingPeriod.supplementalYears} years` : null,
+    doc.extendedReportingPeriod?.supplementalPremium ? `Extended Reporting Period Premium: ${doc.extendedReportingPeriod.supplementalPremium}` : null
+  ].filter(Boolean);
+  if (claimsMadeLines.length > 0) {
+    chunks.push({
+      id: `${docId}:coverage:claims_made_details`,
+      documentId: docId,
+      type: "coverage",
+      text: claimsMadeLines.join("\n"),
+      metadata: stringMetadata({ coverageName: "claims_made_details", documentType: doc.type })
+    });
+  }
+  doc.formInventory?.forEach((form, i) => {
+    chunks.push({
+      id: `${docId}:declaration:form:${i}`,
+      documentId: docId,
+      type: "declaration",
+      text: [
+        `Form: ${form.formNumber}`,
+        form.title ? `Title: ${form.title}` : null,
+        `Type: ${form.formType}`,
+        form.editionDate ? `Edition: ${form.editionDate}` : null,
+        form.pageStart ? `Pages: ${form.pageStart}${form.pageEnd ? `-${form.pageEnd}` : ""}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        formNumber: form.formNumber,
+        formType: form.formType,
+        documentType: doc.type
+      })
+    });
+  });
   doc.endorsements?.forEach((end, i) => {
     chunks.push({
       id: `${docId}:endorsement:${i}`,
@@ -2296,63 +2563,546 @@ ${exc.content}`.trim(),
       metadata: stringMetadata({ formNumber: exc.formNumber, pageNumber: exc.pageNumber, documentType: doc.type })
     });
   });
-  doc.sections?.forEach((sec, i) => {
+  doc.conditions?.forEach((cond, i) => {
     chunks.push({
-      id: `${docId}:section:${i}`,
+      id: `${docId}:condition:${i}`,
       documentId: docId,
-      type: "section",
-      text: `Section: ${sec.title}
+      type: "condition",
+      text: [
+        `Condition: ${cond.name}`,
+        `Type: ${cond.conditionType}`,
+        cond.content,
+        ...cond.keyValues?.map((kv) => `${kv.key}: ${kv.value}`) ?? []
+      ].join("\n"),
+      metadata: stringMetadata({
+        conditionName: cond.name,
+        conditionType: cond.conditionType,
+        pageNumber: cond.pageNumber,
+        documentType: doc.type
+      })
+    });
+  });
+  if (doc.declarations) {
+    const decl = doc.declarations;
+    const declLines = [];
+    for (const [key, value] of Object.entries(decl)) {
+      if (value && typeof value === "string") {
+        declLines.push(`${key}: ${value}`);
+      }
+    }
+    if (declLines.length > 0) {
+      chunks.push({
+        id: `${docId}:declaration:0`,
+        documentId: docId,
+        type: "declaration",
+        text: `Declarations
+${declLines.join("\n")}`,
+        metadata: stringMetadata({ documentType: doc.type })
+      });
+    }
+  }
+  doc.sections?.forEach((sec, i) => {
+    const hasSubsections = sec.subsections && sec.subsections.length > 0;
+    const contentLength = sec.content.length;
+    if (hasSubsections) {
+      chunks.push({
+        id: `${docId}:section:${i}`,
+        documentId: docId,
+        type: "section",
+        text: `Section: ${sec.title}
+${sec.content}`,
+        metadata: stringMetadata({
+          sectionType: sec.type,
+          sectionNumber: sec.sectionNumber,
+          pageStart: sec.pageStart,
+          pageEnd: sec.pageEnd,
+          documentType: doc.type,
+          hasSubsections: "true"
+        })
+      });
+      sec.subsections.forEach((sub, j) => {
+        chunks.push({
+          id: `${docId}:section:${i}:sub:${j}`,
+          documentId: docId,
+          type: "section",
+          text: `${sec.title} > ${sub.title}
+${sub.content}`,
+          metadata: stringMetadata({
+            sectionType: sec.type,
+            parentSection: sec.title,
+            sectionNumber: sub.sectionNumber,
+            pageNumber: sub.pageNumber,
+            documentType: doc.type
+          })
+        });
+      });
+    } else if (contentLength > 2e3) {
+      const paragraphs = sec.content.split(/\n\n+/);
+      let currentChunk = "";
+      let chunkIndex = 0;
+      for (const para of paragraphs) {
+        if (currentChunk.length + para.length > 1e3 && currentChunk.length > 0) {
+          chunks.push({
+            id: `${docId}:section:${i}:part:${chunkIndex}`,
+            documentId: docId,
+            type: "section",
+            text: `Section: ${sec.title} (part ${chunkIndex + 1})
+${currentChunk.trim()}`,
+            metadata: stringMetadata({
+              sectionType: sec.type,
+              sectionNumber: sec.sectionNumber,
+              pageStart: sec.pageStart,
+              pageEnd: sec.pageEnd,
+              documentType: doc.type,
+              partIndex: chunkIndex
+            })
+          });
+          currentChunk = "";
+          chunkIndex++;
+        }
+        currentChunk += (currentChunk ? "\n\n" : "") + para;
+      }
+      if (currentChunk.trim()) {
+        chunks.push({
+          id: `${docId}:section:${i}:part:${chunkIndex}`,
+          documentId: docId,
+          type: "section",
+          text: `Section: ${sec.title} (part ${chunkIndex + 1})
+${currentChunk.trim()}`,
+          metadata: stringMetadata({
+            sectionType: sec.type,
+            sectionNumber: sec.sectionNumber,
+            pageStart: sec.pageStart,
+            pageEnd: sec.pageEnd,
+            documentType: doc.type,
+            partIndex: chunkIndex
+          })
+        });
+      }
+    } else {
+      chunks.push({
+        id: `${docId}:section:${i}`,
+        documentId: docId,
+        type: "section",
+        text: `Section: ${sec.title}
 ${sec.content}`,
-      metadata: stringMetadata({ sectionType: sec.type, pageStart: sec.pageStart, pageEnd: sec.pageEnd, documentType: doc.type })
+        metadata: stringMetadata({
+          sectionType: sec.type,
+          sectionNumber: sec.sectionNumber,
+          pageStart: sec.pageStart,
+          pageEnd: sec.pageEnd,
+          documentType: doc.type
+        })
+      });
+    }
+  });
+  doc.locations?.forEach((loc, i) => {
+    chunks.push({
+      id: `${docId}:location:${i}`,
+      documentId: docId,
+      type: "location",
+      text: [
+        `Location ${loc.number}: ${formatAddress(loc.address)}`,
+        loc.description ? `Description: ${loc.description}` : null,
+        loc.occupancy ? `Occupancy: ${loc.occupancy}` : null,
+        loc.constructionType ? `Construction: ${loc.constructionType}` : null,
+        loc.yearBuilt ? `Year Built: ${loc.yearBuilt}` : null,
+        loc.squareFootage ? `Square Footage: ${loc.squareFootage}` : null,
+        loc.protectionClass ? `Protection Class: ${loc.protectionClass}` : null,
+        loc.sprinklered != null ? `Sprinklered: ${loc.sprinklered ? "Yes" : "No"}` : null,
+        loc.alarmType ? `Alarm: ${loc.alarmType}` : null,
+        loc.buildingValue ? `Building Value: ${loc.buildingValue}` : null,
+        loc.contentsValue ? `Contents Value: ${loc.contentsValue}` : null,
+        loc.businessIncomeValue ? `Business Income Value: ${loc.businessIncomeValue}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        locationNumber: loc.number,
+        occupancy: loc.occupancy,
+        constructionType: loc.constructionType,
+        documentType: doc.type
+      })
+    });
+  });
+  doc.vehicles?.forEach((veh, i) => {
+    const vehicleDesc = `${veh.year} ${veh.make} ${veh.model}`;
+    chunks.push({
+      id: `${docId}:vehicle:${i}`,
+      documentId: docId,
+      type: "vehicle",
+      text: [
+        `Vehicle ${veh.number}: ${vehicleDesc}`,
+        `VIN: ${veh.vin}`,
+        veh.vehicleType ? `Type: ${veh.vehicleType}` : null,
+        veh.costNew ? `Cost New: ${veh.costNew}` : null,
+        veh.statedValue ? `Stated Value: ${veh.statedValue}` : null,
+        veh.garageLocation ? `Garage Location: ${veh.garageLocation}` : null,
+        veh.radius ? `Radius: ${veh.radius}` : null,
+        ...veh.coverages?.map(
+          (vc) => `${vc.type}: ${[vc.limit && `Limit ${vc.limit}`, vc.deductible && `Ded ${vc.deductible}`, vc.included ? "Included" : "Excluded"].filter(Boolean).join(", ")}`
+        ) ?? []
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        vehicleNumber: veh.number,
+        vehicleYear: veh.year,
+        vehicleMake: veh.make,
+        vehicleModel: veh.model,
+        vin: veh.vin,
+        documentType: doc.type
+      })
+    });
+  });
+  doc.classifications?.forEach((cls, i) => {
+    chunks.push({
+      id: `${docId}:classification:${i}`,
+      documentId: docId,
+      type: "classification",
+      text: [
+        `Classification: ${cls.code} \u2014 ${cls.description}`,
+        `Premium Basis: ${cls.premiumBasis}`,
+        cls.basisAmount ? `Basis Amount: ${cls.basisAmount}` : null,
+        cls.rate ? `Rate: ${cls.rate}` : null,
+        cls.premium ? `Premium: ${cls.premium}` : null,
+        cls.locationNumber ? `Location: ${cls.locationNumber}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        classCode: cls.code,
+        classDescription: cls.description,
+        locationNumber: cls.locationNumber,
+        documentType: doc.type
+      })
+    });
+  });
+  doc.additionalInsureds?.forEach((party, i) => {
+    chunks.push({
+      id: `${docId}:party:additional_insured:${i}`,
+      documentId: docId,
+      type: "party",
+      text: [
+        `Additional Insured: ${party.name}`,
+        `Role: ${party.role}`,
+        party.relationship ? `Relationship: ${party.relationship}` : null,
+        party.scope ? `Scope: ${party.scope}` : null,
+        party.address ? `Address: ${formatAddress(party.address)}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ partyRole: "additional_insured", partyName: party.name, documentType: doc.type })
+    });
+  });
+  doc.lossPayees?.forEach((party, i) => {
+    chunks.push({
+      id: `${docId}:party:loss_payee:${i}`,
+      documentId: docId,
+      type: "party",
+      text: [
+        `Loss Payee: ${party.name}`,
+        party.relationship ? `Relationship: ${party.relationship}` : null,
+        party.scope ? `Scope: ${party.scope}` : null,
+        party.address ? `Address: ${formatAddress(party.address)}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ partyRole: "loss_payee", partyName: party.name, documentType: doc.type })
+    });
+  });
+  doc.mortgageHolders?.forEach((party, i) => {
+    chunks.push({
+      id: `${docId}:party:mortgage_holder:${i}`,
+      documentId: docId,
+      type: "party",
+      text: [
+        `Mortgage Holder: ${party.name}`,
+        party.relationship ? `Relationship: ${party.relationship}` : null,
+        party.scope ? `Scope: ${party.scope}` : null,
+        party.address ? `Address: ${formatAddress(party.address)}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ partyRole: "mortgage_holder", partyName: party.name, documentType: doc.type })
     });
   });
   if (doc.premium) {
+    const premiumLines = [
+      `Premium: ${doc.premium}`,
+      doc.totalCost ? `Total Cost: ${doc.totalCost}` : null,
+      doc.minimumPremium ? `Minimum Premium: ${doc.minimumPremium}` : null,
+      doc.depositPremium ? `Deposit Premium: ${doc.depositPremium}` : null,
+      doc.auditType ? `Audit Type: ${doc.auditType}` : null
+    ].filter(Boolean);
     chunks.push({
       id: `${docId}:premium:0`,
       documentId: docId,
       type: "premium",
-      text: `Premium: ${doc.premium}${doc.totalCost ? `
-Total Cost: ${doc.totalCost}` : ""}`,
+      text: premiumLines.join("\n"),
       metadata: stringMetadata({ premium: doc.premium, documentType: doc.type })
     });
   }
-  const supplementaryLines = [
-    ...doc.claimsContacts?.map((contact) => `Claims Contact: ${[
-      contact.name,
-      contact.phone,
-      contact.email,
-      contact.hours
-    ].filter(Boolean).join(" | ")}`) ?? [],
-    ...doc.regulatoryContacts?.map((contact) => `Regulatory Contact: ${[
-      contact.name,
-      contact.phone,
-      contact.email
-    ].filter(Boolean).join(" | ")}`) ?? [],
-    ...doc.thirdPartyAdministrators?.map((contact) => `TPA: ${[
-      contact.name,
-      contact.phone,
-      contact.email
-    ].filter(Boolean).join(" | ")}`) ?? [],
-    ...doc.supplementaryFacts?.map((fact) => [
-      fact.subject ? `Subject: ${fact.subject}` : null,
-      `${fact.key}: ${fact.value}`,
-      fact.context ? `Context: ${fact.context}` : null
-    ].filter(Boolean).join(" | ")) ?? [],
+  if (doc.taxesAndFees?.length) {
+    chunks.push({
+      id: `${docId}:financial:taxes_fees`,
+      documentId: docId,
+      type: "financial",
+      text: doc.taxesAndFees.map(
+        (item) => [
+          `${item.type ? `[${item.type}] ` : ""}${item.name}: ${item.amount}`,
+          item.description ? `  ${item.description}` : null
+        ].filter(Boolean).join("\n")
+      ).join("\n"),
+      metadata: stringMetadata({ financialCategory: "taxes_fees", documentType: doc.type })
+    });
+  }
+  if (doc.paymentPlan?.installments?.length) {
+    chunks.push({
+      id: `${docId}:financial:payment_plan`,
+      documentId: docId,
+      type: "financial",
+      text: [
+        "Payment Plan:",
+        ...doc.paymentPlan.installments.map(
+          (inst) => `${inst.dueDate}: ${inst.amount}${inst.description ? ` (${inst.description})` : ""}`
+        ),
+        doc.paymentPlan.financeCharge ? `Finance Charge: ${doc.paymentPlan.financeCharge}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ financialCategory: "payment_plan", documentType: doc.type })
+    });
+  }
+  doc.premiumByLocation?.forEach((lp, i) => {
+    chunks.push({
+      id: `${docId}:financial:location_premium:${i}`,
+      documentId: docId,
+      type: "financial",
+      text: [
+        `Location ${lp.locationNumber} Premium: ${lp.premium}`,
+        lp.description ? `Description: ${lp.description}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        financialCategory: "location_premium",
+        locationNumber: lp.locationNumber,
+        documentType: doc.type
+      })
+    });
+  });
+  if (doc.ratingBasis?.length) {
+    chunks.push({
+      id: `${docId}:financial:rating_basis`,
+      documentId: docId,
+      type: "financial",
+      text: doc.ratingBasis.map(
+        (rb) => [
+          `Rating Basis: ${rb.type}`,
+          rb.amount ? `Amount: ${rb.amount}` : null,
+          rb.description ? `Description: ${rb.description}` : null
+        ].filter(Boolean).join(" | ")
+      ).join("\n"),
+      metadata: stringMetadata({ financialCategory: "rating_basis", documentType: doc.type })
+    });
+  }
+  if (doc.lossSummary) {
+    chunks.push({
+      id: `${docId}:loss_history:summary`,
+      documentId: docId,
+      type: "loss_history",
+      text: [
+        "Loss Summary",
+        doc.lossSummary.period ? `Period: ${doc.lossSummary.period}` : null,
+        doc.lossSummary.totalClaims != null ? `Total Claims: ${doc.lossSummary.totalClaims}` : null,
+        doc.lossSummary.totalIncurred ? `Total Incurred: ${doc.lossSummary.totalIncurred}` : null,
+        doc.lossSummary.totalPaid ? `Total Paid: ${doc.lossSummary.totalPaid}` : null,
+        doc.lossSummary.totalReserved ? `Total Reserved: ${doc.lossSummary.totalReserved}` : null,
+        doc.lossSummary.lossRatio ? `Loss Ratio: ${doc.lossSummary.lossRatio}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ lossHistoryCategory: "summary", documentType: doc.type })
+    });
+  }
+  doc.individualClaims?.forEach((claim, i) => {
+    chunks.push({
+      id: `${docId}:loss_history:claim:${i}`,
+      documentId: docId,
+      type: "loss_history",
+      text: [
+        `Claim: ${claim.dateOfLoss}`,
+        claim.claimNumber ? `Claim #: ${claim.claimNumber}` : null,
+        `Description: ${claim.description}`,
+        `Status: ${claim.status}`,
+        claim.claimant ? `Claimant: ${claim.claimant}` : null,
+        claim.coverageLine ? `Coverage Line: ${claim.coverageLine}` : null,
+        claim.paid ? `Paid: ${claim.paid}` : null,
+        claim.reserved ? `Reserved: ${claim.reserved}` : null,
+        claim.incurred ? `Incurred: ${claim.incurred}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({
+        lossHistoryCategory: "claim",
+        claimNumber: claim.claimNumber,
+        claimStatus: claim.status,
+        dateOfLoss: claim.dateOfLoss,
+        documentType: doc.type
+      })
+    });
+  });
+  if (doc.experienceMod) {
+    chunks.push({
+      id: `${docId}:loss_history:experience_mod`,
+      documentId: docId,
+      type: "loss_history",
+      text: [
+        `Experience Modification Factor: ${doc.experienceMod.factor}`,
+        doc.experienceMod.effectiveDate ? `Effective Date: ${doc.experienceMod.effectiveDate}` : null,
+        doc.experienceMod.state ? `State: ${doc.experienceMod.state}` : null
+      ].filter(Boolean).join("\n"),
+      metadata: stringMetadata({ lossHistoryCategory: "experience_mod", documentType: doc.type })
+    });
+  }
+  if (doc.type === "quote") {
+    const quote = doc;
+    const subjectivities = quote.enrichedSubjectivities ?? quote.subjectivities;
+    subjectivities?.forEach((sub, i) => {
+      const enriched = sub;
+      chunks.push({
+        id: `${docId}:subjectivity:${i}`,
+        documentId: docId,
+        type: "subjectivity",
+        text: [
+          `Subjectivity: ${sub.description}`,
+          sub.category ? `Category: ${sub.category}` : null,
+          enriched.dueDate ? `Due Date: ${enriched.dueDate}` : null,
+          enriched.status ? `Status: ${enriched.status}` : null
+        ].filter(Boolean).join("\n"),
+        metadata: stringMetadata({
+          category: sub.category,
+          status: enriched.status,
+          documentType: doc.type
+        })
+      });
+    });
+    const uwConditions = quote.enrichedUnderwritingConditions ?? quote.underwritingConditions;
+    uwConditions?.forEach((cond, i) => {
+      const enriched = cond;
+      chunks.push({
+        id: `${docId}:underwriting_condition:${i}`,
+        documentId: docId,
+        type: "underwriting_condition",
+        text: [
+          `Underwriting Condition: ${cond.description}`,
+          enriched.category ? `Category: ${enriched.category}` : null
+        ].filter(Boolean).join("\n"),
+        metadata: stringMetadata({ documentType: doc.type })
+      });
+    });
+    if (quote.premiumBreakdown?.length) {
+      chunks.push({
+        id: `${docId}:financial:premium_breakdown`,
+        documentId: docId,
+        type: "financial",
+        text: quote.premiumBreakdown.map((line) => `${line.line}: ${line.amount}`).join("\n"),
+        metadata: stringMetadata({ financialCategory: "premium_breakdown", documentType: doc.type })
+      });
+    }
+    if (quote.bindingAuthority) {
+      chunks.push({
+        id: `${docId}:financial:binding_authority`,
+        documentId: docId,
+        type: "financial",
+        text: [
+          "Binding Authority",
+          quote.bindingAuthority.authorizedBy ? `Authorized By: ${quote.bindingAuthority.authorizedBy}` : null,
+          quote.bindingAuthority.method ? `Method: ${quote.bindingAuthority.method}` : null,
+          quote.bindingAuthority.expiration ? `Expiration: ${quote.bindingAuthority.expiration}` : null,
+          ...quote.bindingAuthority.conditions?.map((c) => `Condition: ${c}`) ?? []
+        ].filter(Boolean).join("\n"),
+        metadata: stringMetadata({ financialCategory: "binding_authority", documentType: doc.type })
+      });
+    }
+    if (quote.warrantyRequirements?.length) {
+      quote.warrantyRequirements.forEach((req, i) => {
+        chunks.push({
+          id: `${docId}:underwriting_condition:warranty:${i}`,
+          documentId: docId,
+          type: "underwriting_condition",
+          text: `Warranty Requirement: ${req}`,
+          metadata: stringMetadata({ conditionCategory: "warranty", documentType: doc.type })
+        });
+      });
+    }
+    if (quote.lossControlRecommendations?.length) {
+      quote.lossControlRecommendations.forEach((rec, i) => {
+        chunks.push({
+          id: `${docId}:underwriting_condition:loss_control:${i}`,
+          documentId: docId,
+          type: "underwriting_condition",
+          text: `Loss Control Recommendation: ${rec}`,
+          metadata: stringMetadata({ conditionCategory: "loss_control", documentType: doc.type })
+        });
+      });
+    }
+  }
+  let supplementaryIndex = 0;
+  if (doc.claimsContacts?.length) {
+    chunks.push({
+      id: `${docId}:supplementary:${supplementaryIndex++}`,
+      documentId: docId,
+      type: "supplementary",
+      text: doc.claimsContacts.map((contact) => `Claims Contact: ${[
+        contact.name,
+        contact.phone,
+        contact.email,
+        contact.hours
+      ].filter(Boolean).join(" | ")}`).join("\n"),
+      metadata: stringMetadata({ documentType: doc.type, supplementaryCategory: "claims_contacts" })
+    });
+  }
+  if (doc.regulatoryContacts?.length) {
+    chunks.push({
+      id: `${docId}:supplementary:${supplementaryIndex++}`,
+      documentId: docId,
+      type: "supplementary",
+      text: doc.regulatoryContacts.map((contact) => `Regulatory Contact: ${[
+        contact.name,
+        contact.phone,
+        contact.email
+      ].filter(Boolean).join(" | ")}`).join("\n"),
+      metadata: stringMetadata({ documentType: doc.type, supplementaryCategory: "regulatory_contacts" })
+    });
+  }
+  if (doc.thirdPartyAdministrators?.length) {
+    chunks.push({
+      id: `${docId}:supplementary:${supplementaryIndex++}`,
+      documentId: docId,
+      type: "supplementary",
+      text: doc.thirdPartyAdministrators.map((contact) => `TPA: ${[
+        contact.name,
+        contact.phone,
+        contact.email
+      ].filter(Boolean).join(" | ")}`).join("\n"),
+      metadata: stringMetadata({ documentType: doc.type, supplementaryCategory: "third_party_administrators" })
+    });
+  }
+  const noticePeriodLines = [
     doc.cancellationNoticeDays != null ? `Cancellation Notice Days: ${doc.cancellationNoticeDays}` : null,
     doc.nonrenewalNoticeDays != null ? `Nonrenewal Notice Days: ${doc.nonrenewalNoticeDays}` : null
   ].filter((line) => Boolean(line));
-  if (supplementaryLines.length > 0) {
+  if (noticePeriodLines.length > 0) {
     chunks.push({
-      id: `${docId}:supplementary:0`,
+      id: `${docId}:supplementary:${supplementaryIndex++}`,
       documentId: docId,
       type: "supplementary",
-      text: supplementaryLines.join("\n"),
-      metadata: stringMetadata({
-        documentType: doc.type,
-        supplementaryFactCount: doc.supplementaryFacts?.length
-      })
+      text: noticePeriodLines.join("\n"),
+      metadata: stringMetadata({ documentType: doc.type, supplementaryCategory: "notice_periods" })
     });
   }
+  if (doc.supplementaryFacts?.length) {
+    for (const fact of doc.supplementaryFacts) {
+      chunks.push({
+        id: `${docId}:supplementary:${supplementaryIndex++}`,
+        documentId: docId,
+        type: "supplementary",
+        text: [
+          fact.subject ? `Subject: ${fact.subject}` : null,
+          `${fact.key}: ${fact.value}`,
+          fact.context ? `Context: ${fact.context}` : null
+        ].filter(Boolean).join(" | "),
+        metadata: stringMetadata({
+          documentType: doc.type,
+          supplementaryCategory: "auxiliary_fact",
+          factKey: fact.key,
+          factSubject: fact.subject
+        })
+      });
+    }
+  }
   return chunks;
 }