Auto, home, and life stay three policies and one relationship

A client's auto policy, home policy, and life policy are three Deals in three Pipelines, each run by its own underwriting desk with its own stages. But Contact.owner — the trusted advisor the client actually talks to — stays the same person across all three, even as different specialists work each Deal.

That split is deliberate: Salesforce calls it account owner vs. opportunity owner, Pipedrive calls it person owner vs. deal owner. Phera implements the same three-layer shape and lets a workspace pick which layer is required, shown, and used for assignment — a setting, not a fork of the codebase.