---
title: "Reclassification"
url: "https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84/schemas/Reclassification"
---

> Full API specification: https://developers.zinnia.com/apis/policy-transactions-1-0-2/versions/d0006570-ab9d-464e-814f-d120ba425e84.md

# Reclassification

Risk-class reclassification request item

## OpenAPI definition

```yaml
openapi: 3.1.0
info:
  title: Zinnia Policy Transactions API.
  version: 1.0.9
servers:
  - url: https://dev.api.zinnia.io
    description: DEV Environment
  - url: https://qa.api.zinnia.io
    description: QA Environment
components:
  schemas:
    PolicyCoverageChangesCoverageType:
      type: string
      enum:
        - BASE
        - TERM
        - SUPPLEMENTAL
      description: Type of the coverage
      example: BASE
    PolicyCoverageChangesRiskClass:
      type: string
      enum:
        - ULTRANONTOBACCO
        - ELITENONTOBACCO
        - PREFERREDNONTOBACCO
        - STANDARDNONTOBACCO
        - STANDARDTOBACCO
        - STANDARDAGGREGATE
        - SUBSTANDARDNONTOBACCO
        - SUBSTANDARDTOBACCO
        - STANDARDPLUSNONTOBACCO
        - PREFERREDTOBACCO
        - STANDARDCONVERSIONNONTOBACCO
        - STANDARDCONVERSIONTOBACCO
      description: Risk classification assessed by underwriting
      example: ULTRANONTOBACCO
    PolicyCoverageChangesTableRatings:
      type: object
      description: Substandard rating applied as a result of the change, if any
      properties:
        tableRating:
          $ref: "#/components/schemas/PolicyCoverageChangesTableRating"
        flatExtras:
          type: array
          items:
            anyOf:
              - $ref: "#/components/schemas/PolicyCoverageChangesFlatExtraPermanent"
              - $ref: "#/components/schemas/PolicyCoverageChangesFlatExtraTemporary"
    PolicyCoverageChangesTableRating:
      type: string
      enum:
        - TABLEA
        - TABLEB
        - TABLEC
        - TABLED
        - TABLEE
        - TABLEF
        - TABLEG
        - TABLEH
        - TABLEI
        - TABLEJ
        - TABLEK
        - TABLEL
        - TABLEM
        - TABLEN
        - TABLEO
        - TABLEP
        - NONE
        - NONETABLE
      description: Substandard rating table applied, if any. Accepts both NONE (per
        the policy-update data mapping) and NONETABLE (the platform's
        established new-business convention) pending confirmation of a single
        canonical value.
      example: TABLEA
    PolicyCoverageChangesFlatExtraPermanent:
      type: object
      description: Permanent flat extra premium
      properties:
        type:
          type: string
          enum:
            - PERMANENT
          description: Whether the flat extra premium is permanent or temporary
          example: PERMANENT
        amount:
          type: number
          format: double
          description: Flat extra premium amount
          example: 250000
        duration:
          type: integer
          description: Duration the flat extra applies for; not applicable for a permanent
            flat extra
          example: 5
        durationType:
          type: string
          enum:
            - YEARS
            - MONTHS
          description: Unit of measure for the duration
          example: YEARS
      required:
        - type
        - amount
    PolicyCoverageChangesFlatExtraTemporary:
      type: object
      description: Temporary flat extra premium
      properties:
        type:
          type: string
          enum:
            - TEMPORARY
          description: Whether the flat extra premium is permanent or temporary
          example: TEMPORARY
        amount:
          type: number
          format: double
          description: Flat extra premium amount
          example: 250000
        duration:
          type: integer
          description: Duration the flat extra applies for
          example: 5
        durationType:
          type: string
          enum:
            - YEARS
            - MONTHS
          description: Unit of measure for the duration
          example: YEARS
      required:
        - type
        - amount
        - duration
        - durationType
    Reclassification:
      type: object
      description: Risk-class reclassification request item
      properties:
        requestType:
          type: string
          enum:
            - RECLASSIFICATION
          description: Discriminator identifying this item as a risk-class reclassification
          example: RECLASSIFICATION
        coverageId:
          type: string
          description: Identifier of the coverage being reclassified
          example: Base_Coverage
        effectiveDate:
          type: string
          format: date
          description: Effective date of the reclassification; defaults to the
            transaction-level effectiveDate when omitted
          example: 2026-07-15
        coverageType:
          $ref: "#/components/schemas/PolicyCoverageChangesCoverageType"
        riskClass:
          $ref: "#/components/schemas/PolicyCoverageChangesRiskClass"
        tableRatings:
          $ref: "#/components/schemas/PolicyCoverageChangesTableRatings"
      required:
        - requestType
        - coverageId
        - coverageType
        - riskClass
```