feat(policies): full CRUD + child editors + insurance lookups (plan phase 3)

Policy header, all five child collections, and the insurance reference
catalogs become create/edit/delete-able on the RBAC foundation.

API:
- Policy gains archivedAt (soft-delete); list/browser default to
  archivedAt=null with ?includeArchived opt-in.
- PoliciesService: header create/update/archive/restore (customer FK
  validated for a clean 404); add/update/remove for installments,
  vehicles, drivers, beneficiaries, claims — each scoped to its policy so
  one policy's id can't touch another's rows; lookups CRUD for providers,
  policy types, adjusters.
- PoliciesController write routes: header create/update need STAFF+
  (policy:create/update), archive/restore need MANAGER+ (policy:delete),
  every child route needs policy:update. New LookupsController at /lookups
  (read open; mutate needs lookup:manage / MANAGER+). Mutations audited.
- DTOs (policy header, children, lookups); dates coerced; shared coerce.ts.

Web:
- Generic ChildCollection editor (config-driven add/edit/remove table),
  reused by both the policy detail child editors and the catalogs screen.
- PolicyForm (header) with type/provider selects and a debounced
  CustomerPicker; /polizas/nuevo (accepts ?customerId prefill) and
  /polizas/[id]/editar. Policy detail: gated action bar (Editar/Archivar)
  + "Administrar detalles" child editors for all five collections.
- /catalogos admin screen (aseguradoras/tipos/ajustadores), nav-gated on
  lookup:manage. "Nueva póliza" buttons on the list and on the customer
  detail (prefilled). api.ts + types for all of the above.

Verified against dev: policy create (dates coerced, archivedAt null),
installment/vehicle add, VIEWER child-add 403, cross-policy child guard
404, lookups CRUD with VIEWER 403 / MANAGER 201, archive drops from the
default list and includeArchived surfaces it. Both apps compile clean.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

apps/web/src/lib/api.ts

@@ -26,10 +26,12 @@ import type {
   MovementSort,
   PolicyDetail,
   PolicyFacets,
+  PolicyInput,
   PolicyListResponse,
   PolicySort,
   PolicyStats,
   PolicyStatus,
+  LookupsResponse,
   PropertyDetail,
   PropertyFacets,
   PropertyListResponse,
@@ -208,6 +210,83 @@ export function getPolicy(
   return apiFetch<PolicyDetail>(`/policies/${id}?days=${days}`);
 }
 
+export function createPolicy(input: PolicyInput): Promise<PolicyDetail> {
+  return apiFetch<PolicyDetail>("/policies", {
+    method: "POST",
+    body: JSON.stringify(input),
+  });
+}
+export function updatePolicy(
+  id: string,
+  input: Partial<PolicyInput>,
+): Promise<PolicyDetail> {
+  return apiFetch<PolicyDetail>(`/policies/${id}`, {
+    method: "PATCH",
+    body: JSON.stringify(input),
+  });
+}
+export function archivePolicy(id: string): Promise<PolicyDetail> {
+  return apiFetch<PolicyDetail>(`/policies/${id}`, { method: "DELETE" });
+}
+export function restorePolicy(id: string): Promise<PolicyDetail> {
+  return apiFetch<PolicyDetail>(`/policies/${id}/restore`, { method: "POST" });
+}
+
+// Generic policy-child CRUD. `kind` is the URL segment
+// (installments|vehicles|drivers|beneficiaries|claims).
+export function addPolicyChild<T>(
+  policyId: string,
+  kind: string,
+  input: T,
+): Promise<unknown> {
+  return apiFetch(`/policies/${policyId}/${kind}`, {
+    method: "POST",
+    body: JSON.stringify(input),
+  });
+}
+export function updatePolicyChild<T>(
+  policyId: string,
+  kind: string,
+  childId: string,
+  input: T,
+): Promise<unknown> {
+  return apiFetch(`/policies/${policyId}/${kind}/${childId}`, {
+    method: "PATCH",
+    body: JSON.stringify(input),
+  });
+}
+export function removePolicyChild(
+  policyId: string,
+  kind: string,
+  childId: string,
+): Promise<unknown> {
+  return apiFetch(`/policies/${policyId}/${kind}/${childId}`, {
+    method: "DELETE",
+  });
+}
+
+/* ------------------------------------------------- Lookups (insurance ref) */
+
+export function getLookups(): Promise<LookupsResponse> {
+  return apiFetch<LookupsResponse>("/lookups");
+}
+export function createLookup(kind: string, input: unknown): Promise<unknown> {
+  return apiFetch(`/lookups/${kind}`, { method: "POST", body: JSON.stringify(input) });
+}
+export function updateLookup(
+  kind: string,
+  id: string,
+  input: unknown,
+): Promise<unknown> {
+  return apiFetch(`/lookups/${kind}/${id}`, {
+    method: "PATCH",
+    body: JSON.stringify(input),
+  });
+}
+export function removeLookup(kind: string, id: string): Promise<unknown> {
+  return apiFetch(`/lookups/${kind}/${id}`, { method: "DELETE" });
+}
+
 /* ----------------------------------------------------- Utilities module */
 
 export interface PropertyQuery {