Bind Quotes
Instructions on how to bind and receive a binder + policy
At-Bay can issue conditional binders for open quotes that have post-bind contingencies only.
Conditional binders automatically expire 30 days after their issue date.
Within the 30-day window, all contingencies must be completed for official policy documents to be generated and shared.
After any outstanding contingencies have been completed, binder documents can be re-downloaded.
Step 1: Check to see if a submission is eligible to bind over API
- Only submissions with a quote_status of
quote_open
orquote_bind_requested
are eligible to be bound online.
Step 2: Request to bind / bind online
Include policy effective and expiration dates along with the POST/binds/{identifier}
request. At-Bay supports non-annual policies.
-
After a successful bind request for submissions with one or more pre-bind contingencies, the quote_status will update to
quote_bind_requested
. -
A
policy_number
will not be available at this point. -
After a successful bind request for submissions with only post-bind contingencies, the
quote_status
will update topolicy_active
and a policy_number will be available. -
If a bind request is unsuccessful, you will see a message stating "Resource not available for current quote_status.”
Step 3: Download conditional binder document and other relevant documents
- Download all binder-related documents, including extra materials on At-Bay's post-bind active risk monitoring services.
Step 4: Upload documentation to support contingencies
-
Upload documents that prove contingencies have been completed using the
POST/documents
request. Connect documents to specific contingencies using the the contingency_id. -
This will send documents directly to At-Bay’s underwriting team to review.
Connect document(s) to specific contingencies. After a contingency has been reviewed and confirmed by an underwriter, its status will update fromopen
toclosed
.
Step 5. Retrieve and download Policy
-
Retrieve a policy using
GET/quotes/policy/{identifier}
. -
At-Bay’s underwriters will issue policies in 3-5 days after all documents have been uploaded to support contingencies. We recommend polling in 6, 12, or 24 hour intervals for up to 5 days.
Keep an eye out for policy issuance via webhooks!
Updated over 2 years ago