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

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Required-completeness rule

If an object-primitive 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 — object-primitive 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 object primitives are strict-by-default. This rule applies to every FMV1 external write endpoint:
  • POST / PUT exposures, events, quotes
  • All segmented policy transactions (new-business, endorse, renew)
  • POST / PUT custom objects (including an object-primitive 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 JSON string. Always quoted ("02140", never 02140)
{
  "mailingAddress": {
    "street": "350 5th Avenue",
    "city": "New York",
    "state": "NY",
    "county": "New York County",
    "country": "United States",
    "zipCode": "10001"
  }
}
zipCode must be a JSON string, never a number. JSON numbers cannot represent leading zeros — 02140 parses as 2140, silently corrupting the ZIP. The API rejects numeric zipCode values with 400:
{
  "error": {
    "code": "InvalidAddressZipCode",
    "message": "Field 'mailingAddress.zipCode' must be a string. JSON numbers cannot preserve leading-zero ZIP codes (e.g. \"02109\" parses as 2109); send the value as a string. Got number 2109."
  }
}
This is the most common failure when payloads are generated from spreadsheets, OpenAPI codegen with the wrong type, or LLMs that “helpfully” unquote numeric-looking strings — always quote ZIP codes in your payload.

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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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Cardinality

Any of these object primitives 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 object primitive. 
{
  "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"
    }
  ]
}