---
title: SAIF.Business.Policy.Rating database tables
summary: Database tables used by this library with relationships and usage context.
status: draft
owner: Technical Writer
last_reviewed: 2026-07-31
library: SAIF.Business.Policy.Rating
reference_type: package
---

# SAIF.Business.Policy.Rating database tables

This page catalogs the Oracle tables and pseudo-tables used by `SAIF.Business.Policy.Rating`.

## Table catalog

| Table | Database | Schema/Link | CRUD | Purpose | Primary business object |
| --- | --- | --- | --- | --- | --- |
| [DUAL](#dual) | Oracle | [unqualified]** | R | Provides Oracle sequence reads for generated keys. | `clsManualClassParagraph` |
| [MANUAL_CLASS_ASSOCIATION](#manual_class_association) | Oracle | [unqualified]** | C/R/U/D | Stores associations between manual classes. | `clsManualClassAssociation` |
| [MANUAL_CLASS_BASE](#manual_class_base) | Oracle | [unqualified]** | C/R/U/D | Stores published manual-class attributes for a rate file. | `clsManualClassBase` |
| [MANUAL_CLASS_DETAIL](#manual_class_detail) | Oracle | [unqualified]** | C/R/U/D | Stores non-rate-file manual-class attributes such as default usage codes and flags. | `clsManualClassDetail` |
| [MANUAL_CLASS_PARAGRAPH](#manual_class_paragraph) | Oracle | [unqualified]** | C/R/U/D | Stores paragraph text used in class descriptions. | `clsManualClassParagraph` |
| [MANUAL_CLASS_PARAGRAPH_USAGE](#manual_class_paragraph_usage) | Oracle | [unqualified]** | C/R/U/D | Stores effective-dated paragraph assignments for classes and market types. | `clsManualClassParagraphUsage` |
| [RATE_FILE_MASTER](#rate_file_master) | Oracle | [unqualified]** | C/R/U/D | Stores published rate-file headers and outstanding-filing linkage. | `clsRateFileMaster` |
| [STAT_PREMIUM_CLASS](#stat_premium_class) | Oracle | [unqualified]** | C/R/U/D | Stores NCCI statistical premium class attributes. | `clsStatPremiumClass` |
| [DTEC_RATE](#dtec_rate) | Oracle | [unqualified]** | R | Stores effective DTEC rates by market type. | `clsDTECRate` |
| [EMPLOYEE_RATING_TYPE_CODE](#employee_rating_type_code) | Oracle | [unqualified]** | R | Stores employee rating type codes and endorsement metadata. | `clsEmployeeRatingType` |
| [FED_COVERAGE_LIABILITY_LIMIT](#fed_coverage_liability_limit) | Oracle | [unqualified]** | R | Stores effective-dated federal coverage liability limits. | `clsFederalCoverageLiabilityLimit` |
| [FED_COVERAGE_TYPE_CODE](#fed_coverage_type_code) | Oracle | [unqualified]** | R | Stores federal coverage type codes and manual-class mappings. | `clsFederalCoverageTypeCode` |
| [PREM_HIST_CLASS_COVERAGE](#prem_hist_class_coverage) | Oracle | [unqualified]** | R | Stores premium-history class coverage rows used by delete guards. | `clsManualClassBase` |
| [MANUAL_CLASS_TYPE_CODE](#manual_class_type_code) | Oracle | [unqualified]** | R | Stores manual-class type codes. | `clsManualClassType` |
| [POLICY](#policy) | Oracle | [unqualified]** | R | Supplies policy-level market-type context for period rating info. | `clsPeriodRatingInfo` |
| [POLICY_PERIOD](#policy_period) | Oracle | [unqualified]** | R | Supplies current WCIS policy-period rating context. | `clsPeriodRatingInfo` |
| [POLICY_PERIOD_NON_WCIS](#policy_period_non_wcis) | Oracle | [unqualified]** | R | Supplies legacy non-WCIS policy-period rating context. | `clsPeriodRatingInfo` |
| [PREMIUM_DISCOUNT_RANGE](#premium_discount_range) | Oracle | [unqualified]** | R | Stores premium-size discount bands. | `clsPremiumSizeDiscount` |
| [PREPAY_DISCOUNT_FACTOR](#prepay_discount_factor) | Oracle | [unqualified]** | R | Stores effective-dated discount factors for prepay frequencies. | `clsPrepayDiscountFactor` |
| [PREPAY_FREQUENCY_CODE](#prepay_frequency_code) | Oracle | [unqualified]** | R/U | Stores prepay frequency code rows. | `clsPrepayFrequency` |
| [RISK_TYPE_CODE](#risk_type_code) | Oracle | [unqualified]** | R | Stores rate-tier or risk-type codes. | `clsRateTier` |
| [RISK_TYPE_DESCRIPTION](#risk_type_description) | Oracle | [unqualified]** | R | Stores effective-dated state and federal risk-type factors. | `clsRateTierFactor` |
| [RATING_PLAN_CODE](#rating_plan_code) | Oracle | [unqualified]** | R | Stores rating-plan codes. | `clsRatingPlanCode` |
| [RATING_PLAN_FACTOR](#rating_plan_factor) | Oracle | [unqualified]** | R | Stores effective-dated rating-plan factor ranges. | `clsRatingPlanFactor` |
| [RATING_PLAN_TYPE_CODE](#rating_plan_type_code) | Oracle | [unqualified]** | R | Stores rating-plan-type codes. | `clsRatingPlanTypeCode` |
| [SAIFPLUS_DISCOUNT](#saifplus_discount) | Oracle | [unqualified]** | R | Stores effective-dated SAIF Plus discount rates and caps. | `clsSAIFPlusDiscount` |
| [TERRORISM_RATE](#terrorism_rate) | Oracle | [unqualified]** | R | Stores effective terrorism rates by market type. | `clsTerrorismRate` |
| [USLHW_COMP_FACTOR](#uslhw_comp_factor) | Oracle | [unqualified]** | R | Stores effective USL&HW compensation factors. | `clsUSLHWCompFactor` |

## DUAL

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Provides Oracle sequence reads for generated keys. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | PARAGRAPH_NUM_NEXTVAL placeholder / RATE_FILE_SEQ_NUM.NEXTVAL |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassParagraph, clsRateFileMaster` |

### SQL referencing this table
- [SQL-001: clsManualClassParagraph](sql/SQL-001-saif-business-policy-rating.md)
- [SQL-002: clsRateFileMaster](sql/SQL-002-saif-business-policy-rating.md)

---

## MANUAL_CLASS_ASSOCIATION

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores associations between manual classes. |
| **Access pattern** | direct SQL |
| **CRUD operations** | C/R/U/D |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassAssociation, clsManualClassAssociationCollection` |

### SQL referencing this table
- [SQL-003: clsManualClassAssociation](sql/SQL-003-saif-business-policy-rating.md)
- [SQL-015: clsManualClassAssociation](sql/SQL-015-saif-business-policy-rating.md)
- [SQL-016: clsManualClassAssociationCollection](sql/SQL-016-saif-business-policy-rating.md)
- [SQL-047: clsManualClassAssociation](sql/SQL-047-saif-business-policy-rating.md)
- [SQL-055: clsManualClassAssociation](sql/SQL-055-saif-business-policy-rating.md)

---

## MANUAL_CLASS_BASE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores published manual-class attributes for a rate file. |
| **Access pattern** | direct SQL / stored procedure |
| **CRUD operations** | C/R/U/D |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassBase, clsManualClassBaseCollection, clsRateFileMaster` |

### SQL referencing this table
- [SQL-004: clsManualClassBase](sql/SQL-004-saif-business-policy-rating.md)
- [SQL-020: clsManualClassBase](sql/SQL-020-saif-business-policy-rating.md)
- [SQL-022: clsManualClassBaseCollection](sql/SQL-022-saif-business-policy-rating.md)
- [SQL-032: clsRateFileMaster](sql/SQL-032-saif-business-policy-rating.md)
- [SQL-048: clsManualClassBase](sql/SQL-048-saif-business-policy-rating.md)
- [SQL-056: clsManualClassBase](sql/SQL-056-saif-business-policy-rating.md)
- [SQL-057: clsManualClassBaseCollection](sql/SQL-057-saif-business-policy-rating.md)

---

## MANUAL_CLASS_DETAIL

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores non-rate-file manual-class attributes such as default usage codes and flags. |
| **Access pattern** | direct SQL |
| **CRUD operations** | C/R/U/D |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassBaseCollection, clsManualClassDetail` |

### SQL referencing this table
- [SQL-005: clsManualClassDetail](sql/SQL-005-saif-business-policy-rating.md)
- [SQL-022: clsManualClassBaseCollection](sql/SQL-022-saif-business-policy-rating.md)
- [SQL-049: clsManualClassDetail](sql/SQL-049-saif-business-policy-rating.md)
- [SQL-058: clsManualClassDetail](sql/SQL-058-saif-business-policy-rating.md)

---

## MANUAL_CLASS_PARAGRAPH

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores paragraph text used in class descriptions. |
| **Access pattern** | direct SQL |
| **CRUD operations** | C/R/U/D |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassBase, clsManualClassParagraph` |

### SQL referencing this table
- [SQL-006: clsManualClassParagraph](sql/SQL-006-saif-business-policy-rating.md)
- [SQL-018: clsManualClassBase](sql/SQL-018-saif-business-policy-rating.md)
- [SQL-023: clsManualClassParagraph](sql/SQL-023-saif-business-policy-rating.md)
- [SQL-050: clsManualClassParagraph](sql/SQL-050-saif-business-policy-rating.md)
- [SQL-059: clsManualClassParagraph](sql/SQL-059-saif-business-policy-rating.md)

---

## MANUAL_CLASS_PARAGRAPH_USAGE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective-dated paragraph assignments for classes and market types. |
| **Access pattern** | direct SQL |
| **CRUD operations** | C/R/U/D |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassBase, clsManualClassParagraphUsage, clsManualClassParagraphUsageCollection` |

### SQL referencing this table
- [SQL-007: clsManualClassParagraphUsage](sql/SQL-007-saif-business-policy-rating.md)
- [SQL-018: clsManualClassBase](sql/SQL-018-saif-business-policy-rating.md)
- [SQL-024: clsManualClassParagraphUsage](sql/SQL-024-saif-business-policy-rating.md)
- [SQL-025: clsManualClassParagraphUsageCollection](sql/SQL-025-saif-business-policy-rating.md)
- [SQL-051: clsManualClassParagraphUsage](sql/SQL-051-saif-business-policy-rating.md)
- [SQL-060: clsManualClassParagraphUsage](sql/SQL-060-saif-business-policy-rating.md)

---

## RATE_FILE_MASTER

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores published rate-file headers and outstanding-filing linkage. |
| **Access pattern** | direct SQL / stored procedure |
| **CRUD operations** | C/R/U/D |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | RATE_FILE_SEQ_NUM |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsRateFileMaster, clsRateFileMasterCollection` |

### SQL referencing this table
- [SQL-008: clsRateFileMaster](sql/SQL-008-saif-business-policy-rating.md)
- [SQL-033: clsRateFileMaster](sql/SQL-033-saif-business-policy-rating.md)
- [SQL-034: clsRateFileMasterCollection](sql/SQL-034-saif-business-policy-rating.md)
- [SQL-053: clsRateFileMaster](sql/SQL-053-saif-business-policy-rating.md)
- [SQL-061: clsRateFileMaster](sql/SQL-061-saif-business-policy-rating.md)

---

## STAT_PREMIUM_CLASS

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores NCCI statistical premium class attributes. |
| **Access pattern** | direct SQL |
| **CRUD operations** | C/R/U/D |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsStatPremiumClass, clsStatPremiumClassCollection` |

### SQL referencing this table
- [SQL-009: clsStatPremiumClass](sql/SQL-009-saif-business-policy-rating.md)
- [SQL-043: clsStatPremiumClass](sql/SQL-043-saif-business-policy-rating.md)
- [SQL-044: clsStatPremiumClassCollection](sql/SQL-044-saif-business-policy-rating.md)
- [SQL-054: clsStatPremiumClass](sql/SQL-054-saif-business-policy-rating.md)
- [SQL-062: clsStatPremiumClass](sql/SQL-062-saif-business-policy-rating.md)

---

## DTEC_RATE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective DTEC rates by market type. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsDTECRate` |

### SQL referencing this table
- [SQL-010: clsDTECRate](sql/SQL-010-saif-business-policy-rating.md)

---

## EMPLOYEE_RATING_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores employee rating type codes and endorsement metadata. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsEmployeeRatingType` |

### SQL referencing this table
- [SQL-011: clsEmployeeRatingType](sql/SQL-011-saif-business-policy-rating.md)

---

## FED_COVERAGE_LIABILITY_LIMIT

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective-dated federal coverage liability limits. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsFederalCoverageLiabilityLimit, clsFederalCoverageLiabilityLimitCollection` |

### SQL referencing this table
- [SQL-012: clsFederalCoverageLiabilityLimit](sql/SQL-012-saif-business-policy-rating.md)
- [SQL-013: clsFederalCoverageLiabilityLimitCollection](sql/SQL-013-saif-business-policy-rating.md)

---

## FED_COVERAGE_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores federal coverage type codes and manual-class mappings. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsFederalCoverageTypeCode` |

### SQL referencing this table
- [SQL-014: clsFederalCoverageTypeCode](sql/SQL-014-saif-business-policy-rating.md)

---

## PREM_HIST_CLASS_COVERAGE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores premium-history class coverage rows used by delete guards. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassBase` |

### SQL referencing this table
- [SQL-017: clsManualClassBase](sql/SQL-017-saif-business-policy-rating.md)

---

## MANUAL_CLASS_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores manual-class type codes. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsManualClassType` |

### SQL referencing this table
- [SQL-026: clsManualClassType](sql/SQL-026-saif-business-policy-rating.md)

---

## POLICY

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Supplies policy-level market-type context for period rating info. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsPeriodRatingInfo` |

### SQL referencing this table
- [SQL-027: clsPeriodRatingInfo](sql/SQL-027-saif-business-policy-rating.md)

---

## POLICY_PERIOD

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Supplies current WCIS policy-period rating context. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsPeriodRatingInfo` |

### SQL referencing this table
- [SQL-027: clsPeriodRatingInfo](sql/SQL-027-saif-business-policy-rating.md)

---

## POLICY_PERIOD_NON_WCIS

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Supplies legacy non-WCIS policy-period rating context. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsPeriodRatingInfo` |

### SQL referencing this table
- [SQL-027: clsPeriodRatingInfo](sql/SQL-027-saif-business-policy-rating.md)

---

## PREMIUM_DISCOUNT_RANGE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores premium-size discount bands. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsPremiumSizeDiscount` |

### SQL referencing this table
- [SQL-028: clsPremiumSizeDiscount](sql/SQL-028-saif-business-policy-rating.md)

---

## PREPAY_DISCOUNT_FACTOR

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective-dated discount factors for prepay frequencies. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsPrepayDiscountFactor, clsPrepayDiscountFactorCollection` |

### SQL referencing this table
- [SQL-029: clsPrepayDiscountFactor](sql/SQL-029-saif-business-policy-rating.md)
- [SQL-030: clsPrepayDiscountFactorCollection](sql/SQL-030-saif-business-policy-rating.md)

---

## PREPAY_FREQUENCY_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores prepay frequency code rows. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R/U |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsPrepayFrequency, clsPrepayFrequencyCodeCollection` |

### SQL referencing this table
- [SQL-031: clsPrepayFrequency](sql/SQL-031-saif-business-policy-rating.md)
- [SQL-052: clsPrepayFrequencyCodeCollection](sql/SQL-052-saif-business-policy-rating.md)

---

## RISK_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores rate-tier or risk-type codes. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsRateTier, clsRateTierCollection` |

### SQL referencing this table
- [SQL-035: clsRateTier](sql/SQL-035-saif-business-policy-rating.md)
- [SQL-036: clsRateTierCollection](sql/SQL-036-saif-business-policy-rating.md)

---

## RISK_TYPE_DESCRIPTION

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective-dated state and federal risk-type factors. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsRateTierFactor` |

### SQL referencing this table
- [SQL-037: clsRateTierFactor](sql/SQL-037-saif-business-policy-rating.md)

---

## RATING_PLAN_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores rating-plan codes. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsRatingPlanCode` |

### SQL referencing this table
- [SQL-038: clsRatingPlanCode](sql/SQL-038-saif-business-policy-rating.md)

---

## RATING_PLAN_FACTOR

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective-dated rating-plan factor ranges. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsRatingPlanFactor, clsRatingPlanFactorCollection` |

### SQL referencing this table
- [SQL-039: clsRatingPlanFactor](sql/SQL-039-saif-business-policy-rating.md)
- [SQL-040: clsRatingPlanFactorCollection](sql/SQL-040-saif-business-policy-rating.md)

---

## RATING_PLAN_TYPE_CODE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores rating-plan-type codes. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsRatingPlanTypeCode` |

### SQL referencing this table
- [SQL-041: clsRatingPlanTypeCode](sql/SQL-041-saif-business-policy-rating.md)

---

## SAIFPLUS_DISCOUNT

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective-dated SAIF Plus discount rates and caps. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsSAIFPlusDiscount` |

### SQL referencing this table
- [SQL-042: clsSAIFPlusDiscount](sql/SQL-042-saif-business-policy-rating.md)

---

## TERRORISM_RATE

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective terrorism rates by market type. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsTerrorismRate` |

### SQL referencing this table
- [SQL-045: clsTerrorismRate](sql/SQL-045-saif-business-policy-rating.md)

---

## USLHW_COMP_FACTOR

| Field | Value |
| --- | --- |
| **Database** | Oracle |
| **Schema/Link** | [unqualified]** |
| **Purpose** | Stores effective USL&HW compensation factors. |
| **Access pattern** | direct SQL |
| **CRUD operations** | R |
| **Key columns used** | See linked SQL documents for column-level usage. |
| **Sequence** | N/A |
| **Related tables** | See relationship diagram and linked SQL pages. |
| **Business objects** | `clsUSLHWCompFactor` |

### SQL referencing this table
- [SQL-046: clsUSLHWCompFactor](sql/SQL-046-saif-business-policy-rating.md)

---

## Table relationship diagram

The following diagram shows relationships identified in the library's SQL.

```mermaid
erDiagram
  RATE_FILE_MASTER ||--o{ MANUAL_CLASS_BASE : rate_file_seq_num
  MANUAL_CLASS_BASE ||--o{ MANUAL_CLASS_ASSOCIATION : manual_class_num
  MANUAL_CLASS_BASE ||--o{ MANUAL_CLASS_PARAGRAPH_USAGE : manual_class_num
  MANUAL_CLASS_PARAGRAPH ||--o{ MANUAL_CLASS_PARAGRAPH_USAGE : paragraph_num
  FED_COVERAGE_TYPE_CODE ||--o{ FED_COVERAGE_LIABILITY_LIMIT : code
  RATING_PLAN_CODE ||--o{ RATING_PLAN_FACTOR : code
  PREPAY_FREQUENCY_CODE ||--o{ PREPAY_DISCOUNT_FACTOR : code
  POLICY ||--o{ POLICY_PERIOD : policy_num
  POLICY ||--o{ POLICY_PERIOD_NON_WCIS : policy_num
```

## Related documentation
- [Index](index.md)
- [Overview](overview.md)
- [Architecture](architecture.md)
- [Dependencies](dependencies.md)
- [Operations and processes](operations-processes.md)
- [Business rules](business-rules.md)
- [SQL catalog](sql/index.md)
- [API reference](api/index.md)

> **Note:** Statements marked with * were inferred from code structure, naming conventions, or
> contextual evidence where direct confirmation was not available in source artifacts. Statements
> marked with ** could not be confirmed; treat as unknown until verified.

## Sources
- `Business\SAIF.Business.Policy.Rating\clsManualClassBase.vb`
- `Business\SAIF.Business.Policy.Rating\clsManualClassBaseCollection.vb`
- `Business\SAIF.Business.Policy.Rating\clsManualClassParagraph.vb`
- `Business\SAIF.Business.Policy.Rating\clsManualClassParagraphUsage.vb`
- `Business\SAIF.Business.Policy.Rating\clsPeriodRatingInfo.vb`
- `Business\SAIF.Business.Policy.Rating\clsRateFileMaster.vb`