@claritylabs/cl-sdk 4.1.0 → 4.3.0

package/dist/index.mjs

@@ -1060,7 +1060,8 @@ var InsurerInfoSchema = z9.object({
   amBestRating: z9.string().optional(),
   amBestNumber: z9.string().optional(),
   admittedStatus: AdmittedStatusSchema.optional(),
-  stateOfDomicile: z9.string().optional()
+  stateOfDomicile: z9.string().optional(),
+  address: AddressSchema.optional()
 }).merge(SourceProvenanceSchema);
 var ProducerInfoSchema = z9.object({
   agencyName: z9.string(),
@@ -2416,6 +2417,7 @@ var OperationalCoverageTermSchema = z21.object({
 });
 var OperationalCoverageLineSchema = z21.object({
   name: z21.string(),
+  lineOfBusiness: AcordLobCodeSchema.optional(),
   coverageCode: z21.string().optional(),
   limit: z21.string().optional(),
   deductible: z21.string().optional(),
@@ -2431,6 +2433,7 @@ var OperationalCoverageLineSchema = z21.object({
 var OperationalPartySchema = z21.object({
   role: z21.string(),
   name: z21.string(),
+  address: OperationalAddressSchema.optional(),
   sourceNodeIds: z21.array(z21.string().min(1)).default([]),
   sourceSpanIds: z21.array(z21.string().min(1)).default([])
 });
@@ -2468,6 +2471,7 @@ var PolicyOperationalProfileSchema = z21.preprocess(
     expirationDate: SourceBackedValueSchema.optional(),
     retroactiveDate: SourceBackedValueSchema.optional(),
     premium: SourceBackedValueSchema.optional(),
+    operationsDescription: SourceBackedValueSchema.optional(),
     declarationFacts: z21.array(OperationalDeclarationFactSchema).default([]),
     coverages: z21.array(OperationalCoverageLineSchema).default([]),
     parties: z21.array(OperationalPartySchema).default([]),
@@ -2525,6 +2529,9 @@ function normalizeWhitespace(value) {
 function hasSpecificLineOfBusiness(codes) {
   return codes.some((code) => code !== "UN");
 }
+function specificLineOfBusinessCodes(codes) {
+  return Array.from(new Set(codes.filter((code) => code !== "UN")));
+}
 function linesOfBusinessFromText(value) {
   const text = normalizeWhitespace(value ?? "");
   if (!text) return [];
@@ -2533,20 +2540,53 @@ function linesOfBusinessFromText(value) {
   const inferred = LOB_TEXT_PATTERNS.flatMap(({ codes, pattern }) => pattern.test(text) ? codes : []);
   return Array.from(new Set(inferred));
 }
+function coverageLineOfBusinessCandidates(coverage) {
+  const limits = coverage.limits ?? [];
+  const text = [
+    coverage.coverageCode,
+    coverage.formNumber,
+    coverage.sectionRef,
+    coverage.name,
+    ...limits.map((term) => term.appliesTo)
+  ].filter((value) => typeof value === "string" && value.trim().length > 0);
+  const inferred = [];
+  for (const value of text) {
+    for (const code of linesOfBusinessFromText(value)) {
+      if (code !== "UN" && !inferred.includes(code)) inferred.push(code);
+    }
+  }
+  return inferred;
+}
+function explicitCoverageLineOfBusiness(coverage) {
+  if (!coverage.lineOfBusiness) return void 0;
+  const [code] = normalizeOperationalLinesOfBusiness([coverage.lineOfBusiness]);
+  return code && code !== "UN" ? code : void 0;
+}
+function inferLineOfBusinessForOperationalCoverage(coverage, profileLinesOfBusiness) {
+  const explicit = explicitCoverageLineOfBusiness(coverage);
+  if (explicit) return explicit;
+  const inferred = coverageLineOfBusinessCandidates(coverage);
+  if (inferred.length === 1) return inferred[0];
+  if (inferred.length > 1) return void 0;
+  const fallback = specificLineOfBusinessCodes(normalizeOperationalLinesOfBusiness(profileLinesOfBusiness));
+  return fallback.length === 1 ? fallback[0] : void 0;
+}
+function annotateOperationalCoverageLinesOfBusiness(coverages, profileLinesOfBusiness) {
+  return coverages.map((coverage) => {
+    const lineOfBusiness = inferLineOfBusinessForOperationalCoverage(coverage, profileLinesOfBusiness);
+    if (lineOfBusiness) return { ...coverage, lineOfBusiness };
+    const next = { ...coverage };
+    delete next.lineOfBusiness;
+    return next;
+  });
+}
 function inferLinesOfBusinessFromOperationalCoverages(coverages) {
   const inferred = [];
   for (const coverage of coverages) {
-    const limits = coverage.limits ?? [];
-    const text = [
-      coverage.coverageCode,
-      coverage.formNumber,
-      coverage.name,
-      ...limits.flatMap((term) => [term.appliesTo, term.label])
-    ].filter((value) => typeof value === "string" && value.trim().length > 0);
-    for (const value of text) {
-      for (const code of linesOfBusinessFromText(value)) {
-        if (!inferred.includes(code)) inferred.push(code);
-      }
+    const explicit = explicitCoverageLineOfBusiness(coverage);
+    if (explicit && !inferred.includes(explicit)) inferred.push(explicit);
+    for (const code of coverageLineOfBusinessCandidates(coverage)) {
+      if (!inferred.includes(code)) inferred.push(code);
     }
   }
   return inferred.slice(0, 6);
@@ -3802,9 +3842,42 @@ function cleanValue(value) {
   if (!value) return void 0;
   return normalizeWhitespace4(value.replace(/^[\s:;#-]+|[\s;,.]+$/g, ""));
 }
+function cleanCoverageLineOfBusiness(value) {
+  if (typeof value !== "string" || !value.trim()) return void 0;
+  const [code] = normalizeOperationalLinesOfBusiness([value]);
+  return code && code !== "UN" ? code : void 0;
+}
 function normalizedFactValue(value) {
   return value.toLowerCase().replace(/&/g, " and ").replace(/[.,#]/g, " ").replace(/\s+/g, " ").trim();
 }
+var OPERATIONAL_ADDRESS_FIELDS = [
+  "street1",
+  "street2",
+  "city",
+  "state",
+  "zip",
+  "country",
+  "formatted"
+];
+function normalizeOperationalAddress(value) {
+  if (!value || typeof value !== "object" || Array.isArray(value)) return void 0;
+  const record = value;
+  const address = Object.fromEntries(
+    OPERATIONAL_ADDRESS_FIELDS.flatMap((field) => {
+      const cleaned = typeof record[field] === "string" ? cleanValue(record[field]) : void 0;
+      return cleaned ? [[field, cleaned]] : [];
+    })
+  );
+  return Object.keys(address).length > 0 ? address : void 0;
+}
+function normalizeOperationalPartyRole(value) {
+  const normalized = value.toLowerCase().replace(/[\s-]+/g, "_");
+  if (normalized === "namedinsured" || normalized === "insured") return "named_insured";
+  if (normalized === "managing_general_agent") return "mga";
+  if (normalized === "managing_general_underwriter") return "mga";
+  if (normalized === "third_party_administrator") return "administrator";
+  return normalized;
+}
 var OPERATIONAL_COVERAGE_TERM_KINDS = /* @__PURE__ */ new Set([
   "each_claim_limit",
   "each_occurrence_limit",
@@ -3903,6 +3976,7 @@ function mergeOperationalProfile(base, candidate, validNodeIds, validSpanIds) {
   const expirationDate = mergeValue(base.expirationDate, candidate.expirationDate);
   const retroactiveDate = mergeValue(base.retroactiveDate, candidate.retroactiveDate);
   const premium = mergeValue(base.premium, candidate.premium);
+  const operationsDescription = mergeValue(base.operationsDescription, candidate.operationsDescription);
   const candidateDeclarationFacts = Array.isArray(candidate.declarationFacts) ? candidate.declarationFacts.map(mergeDeclarationFact).filter((fact) => Boolean(fact)) : [];
   const declarationFacts = [
     ...base.declarationFacts,
@@ -3927,7 +4001,8 @@ function mergeOperationalProfile(base, candidate, validNodeIds, validSpanIds) {
     effectiveDate,
     expirationDate,
     retroactiveDate,
-    premium
+    premium,
+    operationsDescription
   ].filter((value) => Boolean(value));
   const coverages = base.coverages.length > 0 ? base.coverages : Array.isArray(candidate.coverages) ? candidate.coverages.map((coverage) => {
     const record = coverage;
@@ -3961,6 +4036,7 @@ function mergeOperationalProfile(base, candidate, validNodeIds, validSpanIds) {
     if (!name || sourceNodeIds2.length === 0 && sourceSpanIds2.length === 0) return void 0;
     return {
       name,
+      lineOfBusiness: cleanCoverageLineOfBusiness(record.lineOfBusiness),
       coverageCode: typeof record.coverageCode === "string" ? cleanValue(record.coverageCode) : void 0,
       limit: typeof record.limit === "string" ? cleanValue(record.limit) : void 0,
       deductible: typeof record.deductible === "string" ? cleanValue(record.deductible) : void 0,
@@ -3985,14 +4061,21 @@ function mergeOperationalProfile(base, candidate, validNodeIds, validSpanIds) {
     const record = party;
     const role = typeof record.role === "string" ? cleanValue(record.role) : void 0;
     const name = typeof record.name === "string" ? cleanValue(record.name) : void 0;
+    const address = normalizeOperationalAddress(record.address);
     const sourceNodeIds2 = keepIds(record.sourceNodeIds, validNodeIds);
     const sourceSpanIds2 = keepIds(record.sourceSpanIds, validSpanIds);
     if (!role || !name || sourceNodeIds2.length === 0 && sourceSpanIds2.length === 0) return [];
-    return [{ role, name, sourceNodeIds: sourceNodeIds2, sourceSpanIds: sourceSpanIds2 }];
+    return [{
+      role: normalizeOperationalPartyRole(role),
+      name,
+      address,
+      sourceNodeIds: sourceNodeIds2,
+      sourceSpanIds: sourceSpanIds2
+    }];
   }) : [];
   const parties = [
-    ...base.parties,
     ...candidateParties,
+    ...base.parties,
     sourceBackedParty("named_insured", namedInsured),
     sourceBackedParty("insurer", insurer),
     sourceBackedParty("broker", broker)
@@ -4050,6 +4133,10 @@ function mergeOperationalProfile(base, candidate, validNodeIds, validSpanIds) {
     existingLinesOfBusiness: baseLinesOfBusiness,
     coverages
   });
+  const annotatedCoverages = annotateOperationalCoverageLinesOfBusiness(
+    coverages,
+    resolvedLinesOfBusiness.linesOfBusiness
+  );
   return PolicyOperationalProfileSchema.parse({
     ...base,
     documentType: candidate.documentType === "policy" ? "policy" : base.documentType,
@@ -4062,8 +4149,9 @@ function mergeOperationalProfile(base, candidate, validNodeIds, validSpanIds) {
     expirationDate,
     retroactiveDate,
     premium,
+    operationsDescription,
     declarationFacts,
-    coverages,
+    coverages: annotatedCoverages,
     parties,
     endorsementSupport,
     sourceNodeIds,
@@ -4093,6 +4181,7 @@ var OperationalProfileCleanupSchema = z22.object({
     action: z22.enum(["keep", "drop", "update"]),
     reason: z22.string().optional(),
     name: z22.string().optional(),
+    lineOfBusiness: z22.string().nullable().optional(),
     limit: z22.string().nullable().optional(),
     deductible: z22.string().nullable().optional(),
     premium: z22.string().nullable().optional(),
@@ -4137,6 +4226,7 @@ function compactCoverageForCleanup(coverage, coverageIndex) {
   return {
     coverageIndex,
     name: coverage.name,
+    lineOfBusiness: coverage.lineOfBusiness,
     limit: coverage.limit,
     deductible: coverage.deductible,
     premium: coverage.premium,
@@ -4166,6 +4256,7 @@ function nodeTextForSelection(node) {
 function coverageTextForSelection(coverage) {
   return [
     coverage.name,
+    coverage.lineOfBusiness,
     coverage.coverageCode,
     coverage.limit,
     coverage.deductible,
@@ -4459,6 +4550,15 @@ function applyCoverageCleanupDecision(coverage, decision, validNodeIds, validSpa
   };
   const name = cleanProfileValue(decision.name);
   if (name) next.name = name;
+  if (decision.lineOfBusiness != null) {
+    const value = cleanProfileValue(decision.lineOfBusiness);
+    if (value) {
+      const parsed = AcordLobCodeSchema.safeParse(value);
+      if (parsed.success && parsed.data !== "UN") next.lineOfBusiness = parsed.data;
+    } else {
+      delete next.lineOfBusiness;
+    }
+  }
   if (decision.limit != null) {
     const value = cleanProfileValue(decision.limit);
     if (value) next.limit = value;
@@ -4523,7 +4623,8 @@ function sourceIdsFromOperationalProfile(profile) {
     profile.effectiveDate,
     profile.expirationDate,
     profile.retroactiveDate,
-    profile.premium
+    profile.premium,
+    profile.operationsDescription
   ].filter(Boolean);
   return {
     sourceNodeIds: uniqueStrings([
@@ -4607,6 +4708,21 @@ var OperationalDeclarationFactForPromptSchema = z23.object({
   sourceNodeIds: z23.array(z23.string()),
   sourceSpanIds: z23.array(z23.string())
 });
+var OperationalPartyForPromptSchema = z23.object({
+  role: z23.enum([
+    "named_insured",
+    "producer",
+    "broker",
+    "insurer",
+    "carrier",
+    "mga",
+    "administrator"
+  ]),
+  name: z23.string(),
+  address: OperationalAddressForPromptSchema.optional(),
+  sourceNodeIds: z23.array(z23.string()),
+  sourceSpanIds: z23.array(z23.string())
+});
 var OperationalProfilePromptSchema = z23.object({
   documentType: z23.enum(["policy", "quote"]).optional(),
   linesOfBusiness: z23.array(z23.string()).optional(),
@@ -4618,9 +4734,12 @@ var OperationalProfilePromptSchema = z23.object({
   expirationDate: SourceBackedValueForPromptSchema.optional(),
   retroactiveDate: SourceBackedValueForPromptSchema.optional(),
   premium: SourceBackedValueForPromptSchema.optional(),
+  operationsDescription: SourceBackedValueForPromptSchema.optional(),
   declarationFacts: z23.array(OperationalDeclarationFactForPromptSchema).optional(),
+  parties: z23.array(OperationalPartyForPromptSchema).optional(),
   coverages: z23.array(z23.object({
     name: z23.string(),
+    lineOfBusiness: z23.string().optional(),
     coverageCode: z23.string().optional(),
     limit: z23.string().optional(),
     deductible: z23.string().optional(),
@@ -5529,6 +5648,9 @@ function operationalEvidenceScore(span) {
   if (span.metadata?.elementType === "title") score += 4;
   if (span.sourceUnit === "page") score -= 3;
   if (/\b(policy\s*(number|period|term)|effective date|expiration date|expiry date|named insured|insurer|carrier|security|broker|producer|premium|total due)\b/i.test(text)) score += 12;
+  if (/\b(mailing address|business address|address|managing general (?:agent|underwriter)|mga|administrator|description of operations|operations description|nature of business|business description)\b/i.test(text)) score += 12;
+  if (/\b\d{1,6}\s+[A-Z0-9][^\n,]{1,80}\b(?:street|st|avenue|ave|road|rd|boulevard|blvd|drive|dr|lane|ln|way|court|ct|highway|hwy)\b/i.test(text)) score += 10;
+  if (/\b[A-Za-z][A-Za-z .'-]+,\s*[A-Z]{2}\s+\d{5}(?:-\d{4})?\b/.test(text)) score += 10;
   if (/\b(coverage part|limit(?:s)? of liability|deductible|retention|retroactive date|aggregate|sublimit|sub-limit|each claim|each loss|each occurrence|coinsurance)\b/i.test(text)) score += 14;
   if (/\bendorsement\s+(?:no\.?|number|#)?\s*[A-Z0-9]|forms? and endorsements?|attached at inception|schedule\b/i.test(text)) score += 8;
   if (/\bitem\s+\d+\.?\s*(?:named insured|policy number|policy period|renewal|form of business|coverage parts?|premium|extended reporting|producer|forms? and endorsements?)\b/i.test(text)) score += 10;
@@ -5548,10 +5670,13 @@ function isOperationalEvidenceAnchor(span) {
   const text = cleanText([span.text, span.formNumber].filter(Boolean).join(" "), "");
   if (!text) return false;
   if (sourceUnit3 === "page") {
-    return hasSubstantiveDeclarationsScheduleText(text) || /\b(declarations?|named insured|policy number|policy period|effective date|expiration date|premium|total due|producer)\b/i.test(text);
+    return hasSubstantiveDeclarationsScheduleText(text) || /\b(declarations?|named insured|policy number|policy period|effective date|expiration date|premium|total due|producer|mailing address|mga|administrator|description of operations|nature of business|business description)\b/i.test(text);
   }
   if (/\bitem\s+\d+\.?\s*(?:named insured|policy number|policy period|renewal|form of business|coverage parts?|premium|extended reporting|producer|forms? and endorsements?)\b/i.test(text)) return true;
   if (/\b(policy\s*(number|period)|effective date|expiration date|expiry date|named insured|insurer|carrier|broker|producer|premium|total due)\b/i.test(text)) return true;
+  if (/\b(mailing address|business address|address|managing general (?:agent|underwriter)|mga|administrator|description of operations|operations description|nature of business|business description)\b/i.test(text)) return true;
+  if (/\b\d{1,6}\s+[A-Z0-9][^\n,]{1,80}\b(?:street|st|avenue|ave|road|rd|boulevard|blvd|drive|dr|lane|ln|way|court|ct|highway|hwy)\b/i.test(text)) return true;
+  if (/\b[A-Za-z][A-Za-z .'-]+,\s*[A-Z]{2}\s+\d{5}(?:-\d{4})?\b/.test(text)) return true;
   if (/\b(coverage part|forms? and endorsements?|attached at inception|endorsement\s+(?:no\.?|number|#)?\s*[A-Z0-9])\b/i.test(text)) return true;
   if (/\$[\d,.]+|[0-9]{1,2}\/[0-9]{1,2}\/[0-9]{2,4}|[0-9]{1,2}\s+[A-Za-z]{3,9}\s+[0-9]{4}/.test(text)) return true;
   return false;
@@ -5569,6 +5694,7 @@ function operationalEvidencePages(sourceSpans) {
     if (/\bcoverage parts?,?\s+limits? of liability,?\s+deductibles?,?\s+and retroactive dates\b/i.test(text)) score += 24;
     if (/\b(policy\s*(number|period|term)|effective date|expiration date|expiry date|named insured|insurer|carrier|security)\b/i.test(text)) score += 12;
     if (/\b(premium|total due|tax|fee|producer|broker)\b/i.test(text)) score += 10;
+    if (/\b(mailing address|business address|managing general (?:agent|underwriter)|mga|administrator|description of operations|operations description|nature of business|business description)\b/i.test(text)) score += 16;
     if (/\b(endorsement\s+(?:no\.?|number|#)?\s*[A-Z0-9]|attached at inception|forms? and endorsements?)\b/i.test(text)) score += 8;
     if (/\b(definitions?|exclusions?|conditions?|duties in the event|action against|cancellation by)\b/i.test(text)) score -= 12;
     if (score > 0) scores.set(page, (scores.get(page) ?? 0) + score);
@@ -5643,7 +5769,7 @@ function operationalProfilePromptNodes(sourceTree) {
       return true;
     }
     const text = [node.title, node.path, node.description, node.textExcerpt].filter(Boolean).join(" ");
-    return /\b(policy\s*(number|period)|named insured|insurer|carrier|broker|producer|premium|coverage|limit|liability|deductible|retention|retroactive|aggregate|sublimit|sub-limit|endorsement)\b/i.test(text);
+    return /\b(policy\s*(number|period)|named insured|insurer|carrier|broker|producer|managing general (?:agent|underwriter)|mga|administrator|mailing address|description of operations|operations description|nature of business|business description|premium|coverage|limit|liability|deductible|retention|retroactive|aggregate|sublimit|sub-limit|endorsement)\b/i.test(text);
   }).slice(0, 420);
 }
 function emptyOperationalProfile() {
@@ -5667,10 +5793,12 @@ function buildOperationalProfilePrompt(sourceTree, sourceSpans) {
   return `Extract a source-backed operational profile for an insurance policy.
 
 Return only high-value operational facts needed for policy lists, Q&A, compliance, and certificate generation:
-- policy number, named insured, insurer/carrier/security, broker/producer, policy period, retroactive date, premium
+- policy number, named insured, insurer/carrier/security, broker/producer, policy period, retroactive date, premium, and the insured's description of operations
+- parties[] rows for named insured, producer/broker, insurer/carrier, and MGA/administrator identities and their mailing addresses
 - source-backed declarationFacts for named-insured identity details: named insured, mailing address, DBA, entity type, tax ID/FEIN, additional named insureds, and other durable declaration-page identity facts
 - coverage units with their own nested limit terms, deductibles/retentions, retroactive dates, premiums, and form references
 - coverage type labels
+- coverage lineOfBusiness ACORD codes when a coverage unit can be assigned to one specific line
 
 Rules:
 - Every returned value must include sourceNodeIds or sourceSpanIds from the provided evidence.
@@ -5678,12 +5806,17 @@ Rules:
 - If a value is not directly supported, omit it.
 - Prefer declarations, schedules, premium tables, and endorsement schedules over generic policy wording.
 - Put named-insured mailing address in declarationFacts[] with field "mailingAddress", valueKind "address", a user-facing value string, and structured address fields when present. Do not put producer, broker, insurer, mortgagee, loss-payee, or certificate-holder addresses in mailingAddress.
+- Put every source-backed policy party in parties[] using only these canonical roles: "named_insured", "producer", "broker", "insurer", "carrier", "mga", or "administrator". Keep producer/broker, insurer/carrier, and MGA/administrator addresses policy-scoped in parties[]; never represent them as the named-insured mailingAddress declaration fact.
+- When a party's address is present, return its available street1, street2, city, state, zip, country, and formatted parts under parties[].address. Partial addresses are allowed in parties[], but never guess a missing component. The party row must cite the source node or source span that supports both the identity and address.
+- Put the insured's directly stated business or operations description in operationsDescription. Do not synthesize it from coverages, industry inference, website research, or generic policy wording.
 - Put DBA or trade name in declarationFacts[] with field "dba"; entity/legal form in field "entityType"; FEIN/tax ID in field "taxId"; each additional named insured in field "additionalNamedInsured".
 - For effective, expiration, retroactive, and other date fields, return a normalized YYYY-MM-DD value when the source date is unambiguous, including month-name dates such as "20 Feb 2026". Do not emit fragmented date text such as "20 2 2026".
 - For broker/producer, extract the agency or company legal name, not the license role, credential, or type. In a block like "Bayshore Insurance Brokers, LLC" followed by "Surplus Lines Broker - CA License No. ...", broker.value must be "Bayshore Insurance Brokers, LLC"; the surplus-lines role and license number are not the broker name.
 - On declarations pages, treat "Item N" labels as section boundaries. Use Item 6 or equivalent coverage-schedule rows for coverage limits, deductibles, aggregate terms, and retroactive dates; do not merge Item 7 premium, Item 8 ERP, Item 9 producer, or Item 10 forms into Item 6 coverage facts.
 - Premium, tax, fee, payment-plan, rating, exposure, and reporting-value schedules are billing evidence, not coverage schedules. Extract the total policy premium into premium when supported, but do not create coverages[] entries from premium-only or fee-only rows, and never use Total Premium, MGA Fee, tax, stamping fee, reporting values, or exposure annual rate as a coverage limit.
 - A coverage schedule row's coverage name should come from the "Coverage Part" or equivalent row label. Limit, deductible, aggregate, sublimit, retention, and retroactive-date values belong as nested terms under that coverage, not in the coverage title.
+- Put the ACORD line of business code for each coverage unit in coverages[].lineOfBusiness only when the row belongs to one specific line, such as CGL, AUTOB, WORK, UMBRC, EXLIA, EO, OLIB, EPLI, DO, FIDUC, CRIME, INMRC, COMAR, PROPC, PROP, BOP, HOME, DFIRE, FLOOD, or GARAG. Do not use limit labels such as Each Occurrence, Aggregate, Products-Completed Operations Aggregate, deductible, retention, retroactive date, or sublimit as lines of business.
+- If a package or multi-line row cannot be assigned to exactly one ACORD line, omit coverages[].lineOfBusiness for that coverage.
 - If a coverage schedule continues onto the next page before the next item marker, include the continuation rows in the same coverage or declaration item.
 - If one schedule row or continuation row states the same amount with multiple bases, such as "$1,000,000 Each Claim / Aggregate", return separate limit terms for each basis using the same value instead of one combined "Each Claim / Aggregate" term.
 - LiteParse text can fragment visual table cells into adjacent lines. Before extracting coverage terms, mentally join adjacent lines in the same declaration item or schedule row. For example, "$2,000,000 Policy Each Claim" followed immediately by "Aggregate" means "$2,000,000 Policy Aggregate"; a line ending with "/" followed by "Aggregate ..." means the limit cell continues, not a new coverage.
@@ -5745,13 +5878,6 @@ function valueOf(profile, key) {
   }
   return String(value.value);
 }
-function provenanceOf(value) {
-  if (!value?.sourceSpanIds.length) return void 0;
-  return {
-    sourceSpanIds: value.sourceSpanIds,
-    ...value.sourceNodeIds[0] ? { documentNodeId: value.sourceNodeIds[0] } : {}
-  };
-}
 function provenanceFromIds(sourceSpanIds, sourceNodeIds) {
   if (sourceSpanIds.length === 0) return void 0;
   return {
@@ -5759,6 +5885,33 @@ function provenanceFromIds(sourceSpanIds, sourceNodeIds) {
     ...sourceNodeIds[0] ? { documentNodeId: sourceNodeIds[0] } : {}
   };
 }
+function combinedProvenance(...values) {
+  const sourceSpanIds = [...new Set(values.flatMap((value) => value?.sourceSpanIds ?? []))];
+  const sourceNodeIds = [...new Set(values.flatMap((value) => value?.sourceNodeIds ?? []))];
+  return provenanceFromIds(sourceSpanIds, sourceNodeIds);
+}
+function firstOperationalParty(profile, roles) {
+  const candidates = roles.flatMap(
+    (role) => profile.parties.filter((candidate) => candidate.role === role && candidate.name.trim())
+  );
+  return candidates.find((candidate) => candidate.address) ?? candidates[0];
+}
+function completeOperationalAddress(address) {
+  if (!address?.street1 || !address.city || !address.state || !address.zip) return void 0;
+  return {
+    street1: address.street1,
+    street2: address.street2,
+    city: address.city,
+    state: address.state,
+    zip: address.zip,
+    country: address.country
+  };
+}
+function sourceBackedAddressFromParty(party) {
+  const address = completeOperationalAddress(party?.address);
+  const provenance = party ? provenanceFromIds(party.sourceSpanIds, party.sourceNodeIds) : void 0;
+  return address && provenance ? { ...address, ...provenance } : void 0;
+}
 function declarationFactsByField(profile, field) {
   return profile.declarationFacts.filter((fact) => fact.field === field && fact.value.trim());
 }
@@ -5809,16 +5962,21 @@ function declarationFieldName(fact) {
 function materializeDocument(params) {
   const profile = params.operationalProfile;
   const policyNumber = valueOf(profile, "policyNumber") ?? "Unknown";
-  const insuredName = valueOf(profile, "namedInsured") ?? "Unknown";
-  const carrier = valueOf(profile, "insurer") ?? "Unknown";
+  const namedInsuredParty = firstOperationalParty(profile, ["named_insured"]);
+  const insurerParty = firstOperationalParty(profile, ["insurer", "carrier"]);
+  const producerParty = firstOperationalParty(profile, ["producer", "broker"]);
+  const insuredName = valueOf(profile, "namedInsured") ?? namedInsuredParty?.name ?? "Unknown";
+  const carrier = valueOf(profile, "insurer") ?? insurerParty?.name ?? "Unknown";
   const effectiveDate = valueOf(profile, "effectiveDate") ?? "Unknown";
   const expirationDate = valueOf(profile, "expirationDate") ?? "Unknown";
   const premium = valueOf(profile, "premium");
-  const insurerProvenance = provenanceOf(profile.insurer);
-  const broker = valueOf(profile, "broker");
-  const brokerProvenance = provenanceOf(profile.broker);
+  const insurerProvenance = combinedProvenance(profile.insurer, insurerParty);
+  const insurerAddress = completeOperationalAddress(insurerParty?.address);
+  const broker = valueOf(profile, "broker") ?? producerParty?.name;
+  const brokerProvenance = combinedProvenance(profile.broker, producerParty);
+  const producerAddress = completeOperationalAddress(producerParty?.address);
   const mailingAddressFact = firstDeclarationFact(profile, "mailingAddress");
-  const insuredAddress = sourceBackedAddressFromFact(mailingAddressFact);
+  const insuredAddress = sourceBackedAddressFromParty(namedInsuredParty) ?? sourceBackedAddressFromFact(mailingAddressFact);
   const insuredDba = firstDeclarationFact(profile, "dba")?.value;
   const insuredEntityType = normalizedEntityType(firstDeclarationFact(profile, "entityType")?.value);
   const insuredFein = firstDeclarationFact(profile, "taxId")?.value;
@@ -5828,6 +5986,7 @@ function materializeDocument(params) {
   });
   const coverages = profile.coverages.map((coverage) => ({
     name: coverage.name,
+    lineOfBusiness: coverage.lineOfBusiness,
     coverageCode: coverage.coverageCode,
     limit: coverage.limit,
     deductible: coverage.deductible,
@@ -5881,10 +6040,20 @@ function materializeDocument(params) {
     insuredEntityType,
     insuredFein,
     ...additionalNamedInsureds.length > 0 ? { additionalNamedInsureds } : {},
-    ...insurerProvenance ? { insurer: { legalName: carrier, ...insurerProvenance } } : {},
+    ...insurerProvenance ? {
+      insurer: {
+        legalName: carrier,
+        ...insurerAddress ? { address: insurerAddress } : {},
+        ...insurerProvenance
+      }
+    } : {},
     ...broker && brokerProvenance ? {
       brokerAgency: broker,
-      producer: { agencyName: broker, ...brokerProvenance }
+      producer: {
+        agencyName: broker,
+        ...producerAddress ? { address: producerAddress } : {},
+        ...brokerProvenance
+      }
     } : {},
     linesOfBusiness: profile.linesOfBusiness,
     formInventory: params.formInventory.filter((form) => typeof form.formNumber === "string" && form.formNumber.trim().length > 0).map((form) => ({
@@ -13338,6 +13507,7 @@ export {
   VerifyResultSchema,
   WatercraftDeclarationsSchema,
   WorkersCompDeclarationsSchema,
+  annotateOperationalCoverageLinesOfBusiness,
   applyApplicationAnswers,
   buildAcroFormMappingPrompt,
   buildAgentSystemPrompt,
@@ -13404,6 +13574,7 @@ export {
   getNextApplicationQuestions,
   getPdfPageCount,
   getTemplate,
+  inferLineOfBusinessForOperationalCoverage,
   inferLinesOfBusinessFromOperationalCoverages,
   isDoclingExtractionInput,
   isFileReference,