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System objects are five built-in object shapes that FMV1 fields can be typed as. Unlike custom objects (which you define in your configuration spreadsheet), system objects have a fixed structure across every company and are recognized natively by the rating engine, snapshots, and bind logic. You will encounter system objects whenever a field’s fieldType in your configuration is one of:
  • Object: Address
  • Object: CoverageLimit
  • Object: Currency
  • Object: Date
  • Object: QuoteBindError

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Required-completeness rule

If a system-object field is provided in a create/update payload, every sub-field listed below is required. Partial values are rejected with HTTP 400 and a problem code naming the offending sub-field: 
{
  "error": {
    "code": "InvalidFieldModelV1Data",
    "message": "Field 'mailingAddress' is missing required sub-field 'county'"
  }
}
The rule only fires when the parent field is provided. Omitting the field entirely is unchanged — system-object fields can still be optional at the field-definition level. What counts as missing: null, undefined, or empty string (""). Numeric 0 and Boolean false are valid values. Whitespace-only strings (e.g. " ") currently slip past this validator — trim sub-field strings client-side before submitting. Custom objects keep their existing rules. Sub-fields of a custom object follow each sub-field’s own requiredCondition from your configuration; only system objects are strict-by-default. This rule applies to every FMV1 external write endpoint:
  • POST / PUT exposures, events, quotes
  • POST Basic Policies
  • All segmented policy transactions (new-business, endorse, renew)
  • POST / PUT custom objects (including a system-object sub-field nested inside a custom object)

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Address

Structured postal address. Used wherever a property, mailing, or risk location appears in your field model.
Sub-fieldTypeDescription
streetstringStreet number and route (e.g. "350 5th Avenue")
citystringCity or locality
statestringState or first-order administrative region. US: 2-letter postal code
countystringCounty or second-order administrative area
countrystringCountry name
zipCodestringPostal / zip code as a string. Leading zeros are preserved (e.g. "02140")
{
  "mailingAddress": {
    "street": "350 5th Avenue",
    "city": "New York",
    "state": "NY",
    "county": "New York County",
    "country": "United States",
    "zipCode": "10001"
  }
}
If your upstream data does not include county, call GET /api/external/companies/{companyId}/resolve-address first to derive a complete address before submitting.

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CoverageLimit

A single coverage limit pair: a name and a monetary amount.
Sub-fieldTypeDescription
coverageLimitNamestringDisplay name (e.g. "Per Occurrence", "Aggregate")
coverageLimitAmountnumberLimit value in the policy’s currency. 0 is valid (e.g. excluded peril)
{
  "perOccurrenceLimit": {
    "coverageLimitName": "Per Occurrence",
    "coverageLimitAmount": 1000000
  }
}

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Currency

A monetary value with its currency code.
Sub-fieldTypeDescription
valuenumberNumeric amount. 0 is a valid value
codestringISO 4217 currency code (e.g. "USD", "GBP", "EUR"). Empty strings are rejected
{
  "annualPremium": {
    "value": 12500,
    "code": "USD"
  }
}

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Date

A calendar date with an explicit timezone. The API accepts two input shapes and stores both in the canonical DMY form.
Sub-fieldTypeDescription
dayintegerDay of month, 1-based (1–31)
monthintegerMonth, 1-based (1=January, 12=December)
yearintegerFour-digit calendar year
timezonestringIANA timezone identifier (e.g. "America/New_York", "UTC")
{
  "policyEffectiveDate": {
    "day": 15,
    "month": 3,
    "year": 2026,
    "timezone": "America/New_York"
  }
}
You may also submit the ISO form on input — the API canonicalizes it to the DMY form before storage: 
{
  "policyEffectiveDate": {
    "date": "2026-03-15",
    "timezone": "America/New_York"
  }
}
timezone is required in both shapes. Responses always use the DMY form.

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QuoteBindError

A single bind-time error surfaced on a quote that failed to bind. The bind endpoint populates quoteBindErrors (an Object List of these) on the quote when bind fails; you generally do not write this directly.
Sub-fieldTypeDescription
messagestringHuman-readable description of the bind failure
{
  "quoteBindErrors": [
    { "message": "Effective date is in the past" },
    { "message": "Coverage limit exceeds underwriter authorization" }
  ]
}

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Cardinality

Any of these system objects can appear as a single value or as a list, depending on how the field is configured. List-cardinality fields enforce the same required-completeness rule per array element — each item must be a complete system object. 
{
  "additionalLocations": [
    {
      "street": "1 Main St",
      "city": "Cambridge",
      "state": "MA",
      "county": "Middlesex County",
      "country": "United States",
      "zipCode": "02140"
    },
    {
      "street": "500 Boylston St",
      "city": "Boston",
      "state": "MA",
      "county": "Suffolk County",
      "country": "United States",
      "zipCode": "02116"
    }
  ]
}