Creates an insurance configuration owned by the calling account. The returned id is what a RequirementType: InsuranceCoverage requirement definition passes as dataSourceId — and this is the only way to obtain one, so a definition of that type cannot be created without it.

coverages is the substance of the resource: one entry per policy the payer requires, each with its own limit floors, required endorsements and accepted coverage sources. Requiring two policies (commonly Workers' Compensation plus Occupational Accident) is normal, and policyType must be unique across entries — a configuration requiring the same type twice could not say which floor applied.

Supplying an externalId already in use for this account returns 409 ResourceConflict — create is not an upsert. There is no list operation on this resource, so recover by holding the id from the original create.

coverages is fixed once the configuration exists. The PATCH on this resource supports externalId and metadata, so changing what a configuration requires means creating a new one and pointing the requirement definition at it.