Overview

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Bindability

Quotes can only be bound if they're open. Revoked quotes cannot be bound.

Binding via API is now available with immediate policy issuance.
With this change, platform partners will now be able to immediately retrieve policy related documents after uploading a signed version of our application as part of their checkout process.

To utilize this new field on your platform, you can use it with the below disclaimer.

Attestation Language

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Pre Approved At-Bay Disclaimer with Attestation

When implementing the attestation checkbox, you can use the following language.

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I understand that by checking this box I am confirming that the document uploaded:

• Is the application used to obtain the Quote and / or Conditional Binder,
• Includes the insured’s signature, and
• Makes no changes to the application used to obtain the Quote and / or Conditional Binder.

I also understand that At-Bay may change the coverage offered in the Quote or insurance Policy if the document uploaded has additional information, or changes information submitted in the application, between the time of the Quote and binding of the insurance Policy.

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Bind States

A POST request to /binds kicks off the process for binding a quote_open quote.
Once this request has been made, it can result in two statuses for the quote:

quote_bind_requested and policy_active.

A quote whose status is policy_active can result in
a conditional binder or be bound/achieve immediate policy issuance.

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Updated Document Sets

Some of our documents here are supersets of others:
binder_tria ⊃ binder
We recommend making as few document calls as possible.

App Attestation Field

With the app_attestation field available in our bind request, you can now achieve immediate policy issuance when this property is used in conjunction with an uploaded post-bind contingency.

Most At-Bay submissions will only have one which is the post-bind contingency of a signature on our application(GET /quotes/application/{quote_id})

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Pre-Bind Contingencies

Since pre-bind contingencies are issued by underwriters, making a bind request for quotes with open contingencies will result in quote status of bind_requested as they need manual underwriter review.

Once the status of the pre-bind contingencies are closed, you can make another POST bind request to receive immediate policy issuance or a conditional binder.