Policy premium endpoint is added

DOCUMENTATION.md

@@ -50,6 +50,12 @@
 |                            |                                  | - `cost_of_goods_sold` (float): The total cost related to producing goods sold by a business. |
 |                            |                                  | - `net_credit_sales` (float): Sales where the cash is collected at a later date. |
 |----------------------------|----------------------------------------|----------------------------------------------------------------------|
+| GET /policy_premium | Calculate Policy Premium                | - `policy_type` (str): The type of insurance policy. |
+|                            |                                  | - `age` (int): The age of the policyholder. |
+|                            |                                  | - `coverage_amount` (int): The desired coverage amount for the policy. |
+|                            |                                  | - `deductible` (int): The deductible amount for the policy.|
+|                            |                                  | - `num_claims` (int): The number of claims made by the policyholder. |
+|                            |                                  | - `num_accidents` (int): The number of accidents the policyholder has been involved in. |
 | GET /price_elasticity | Price Elasticity for Demand Calculator | - `initial_price` (float): 
 The initial price of the product or service. |
 |                            |                                  | - `final_price` (float): The final price of the product or service. |

ENDPOINTS.md

@@ -2204,6 +2204,16 @@ Sample Output
   "Cash Conversion Cycle":  90.64 days",
 }
 ```
+
+**POST** `/policy-premium`
+
+- Request body : `{
+    "policy_type": "auto",
+    "age": 35,
+    "coverage_amount": 250000,
+    "deductible": 500,
+    "num_claims": 0,
+    "num_accidents": 1
 **POST** `/price-elasticity`
 
 - Request body : `{
@@ -2216,6 +2226,7 @@ Sample Output
 
 ```py
 {
+  "premium_amount": 1200.50
   "Tag": "Price Elasticity for Demand Calculator",
     "price_elasticity": -1.5
 }

helpers/functions.py

@@ -2022,6 +2022,22 @@ def cash_conversion_cycle(beginning_inventory: float, ending_inventory: float, b
 	ccc = days_of_inventory_outstanding + days_of_sales_outstanding - days_of_payables_outstanding
 	return ccc
 
+# Function to Calculate Policy Premium. 
+
+def calculate_policy_premium_ratios(premiums_collected, claims_paid, commissions_paid, operating_expenses):
+    loss_ratio = (claims_paid / premiums_collected) * 100
+    expense_ratio = ((commissions_paid + operating_expenses) / premiums_collected) * 100
+    combined_ratio = loss_ratio + expense_ratio
+    profit_margin = 100 - combined_ratio
+
+    ratios = {
+        "loss_ratio": loss_ratio,
+        "expense_ratio": expense_ratio,
+        "combined_ratio": combined_ratio,
+        "profit_margin": profit_margin
+    }
+
+    return ratios
 # Function to Calculate Price Elasticity for demand Calculator
 
 def calculate_price_elasticity(initial_price: float, final_price: float, initial_quantity: float, final_quantity: float):

main.py

@@ -133,7 +133,9 @@
 from tasks.defensive_interval_ratio import defensive_interval_ratio_task
 from tasks.RateofReturn import calculate_rate_of_return
 from tasks.cash_conversion_cycle import cash_conversion_cycle_task
-from validators.request_validators import SimpleInterestRateRequest, calculatePension, compoundInterest, futureSip, paybackPeriod, capmRequest, DebtServiceCoverageRatio, futureValueOfAnnuity, futureValueOfAnnuityDue, ProfitPercentage, LossPercentage, DefensiveIntervalRatio, CashConversionCycle, RateofReturn, financialAssestRatio, PriceElasticity
+from tasks.financialAssestRatio import financial_assest_ratio
+from tasks.PolicyPremium import calculate_policy_premium
+from validators.request_validators import SimpleInterestRateRequest, calculatePension, compoundInterest, futureSip, paybackPeriod, capmRequest, DebtServiceCoverageRatio, futureValueOfAnnuity, futureValueOfAnnuityDue, ProfitPercentage, LossPercentage, DefensiveIntervalRatio, CashConversionCycle, RateofReturn, financialAssestRatio, PriceElasticity, PolicyPremium
 from tasks.financialAssestRatio import financial_assest_ratio
 from tasks.PriceElasticity import calculate_price_elasticity
 
@@ -1924,6 +1926,20 @@ def cash_conversion_cycle(request: CashConversionCycle):
     request.beginning_receivables, request.ending_receivables , request.beginning_payable, 
     request.ending_payable , request.net_credit_sales , request.cost_of_goods_sold)
 
+# Endpoint to calculate Policy Premium
+
+@app.post(
+    "/policy_premium",
+    tags=["policy_premium"],
+    description="Calculate Policy premium",
+)
+def policy_premium(request: PolicyPremium):
+    return calculate_policy_premium(request.policy_type,
+	request.age,
+	request.coverage_amount,
+	request.deductible,
+	request.num_claims,
+    request.num_accidents)
 # Endpoint to calculate Price Elasticity 
 
 @app.post(
@@ -1935,4 +1951,4 @@ def price_elasticity(request: PriceElasticity):
     return calculate_price_elasticity(request.initial_price , 
     request.final_price ,
     request.initial_quantity, 
-    request.final_quantity )
+    request.final_quantity )

tasks/PolicyPremium.py

@@ -0,0 +1,45 @@
+from helpers import functions
+from fastapi import HTTPException, status
+
+def calculate_policy_premium(policy_type: str, age: int, coverage_amount: int, deductible: int, num_claims: int, num_accidents: int):
+    try:
+        policy_factors = {
+        "auto": {
+            "age": {
+                "18-25": 1.5,
+                "26-40": 1.2,
+                "41-60": 1.0,
+                "61+": 1.3
+            },
+            "claims": {
+                "0": 1.0,
+                "1-3": 1.2,
+                "4+": 1.5
+            },
+            "accidents": {
+                "0": 1.0,
+                "1-2": 1.2,
+                "3+": 1.5
+            }
+        },
+    }
+
+        if policy_type not in policy_factors:
+            return None  
+
+        factors = policy_factors[policy_type]
+
+        base_premium = coverage_amount * 0.01  
+        age_multiplier = factors["age"].get(age, 1.0)
+        claims_multiplier = factors["claims"].get(num_claims, 1.0)
+        accidents_multiplier = factors["accidents"].get(num_accidents, 1.0)
+        deductible_factor = 1 - (deductible / coverage_amount)  
+
+        premium_amount = base_premium * age_multiplier * claims_multiplier * accidents_multiplier * deductible_factor
+
+        return {
+            "Tag": "Debt Service Coverage Ratio",
+            "Premium Amount": premium_amount,
+        }
+    except:
+        return HTTPException(status_code=status.HTTP_500_INTERNAL_SERVER_ERROR) 

validators/request_validators.py

@@ -628,9 +628,18 @@ class CashConversionCycle(BaseModel):
 	ending_payable: float
 	cost_of_goods_sold: float
 	net_credit_sales: float
+
+class PolicyPremium(BaseModel):
+    policy_type: str
+    age: int 
+    coverage_amount: int  
+    deductible: int 
+    num_claims: int  
+    num_accidents: int 
+
 
 class PriceElasticity(BaseModel):
 	initial_price: float 
 	final_price: float  
 	initial_quantity: float 
-	final_quantity: float  
+	final_quantity: float