Bind Quotes via API

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.

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Pre Approved At-Bay Disclaimer with Attestation

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


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.


Bind States

A POST request to /binds can result in three individual states.

Bind State

Policy Active

Documents Available

Immediate policy issuance

Yes

/binder,/policy,/security_letter,/billing_statement

Conditional binder issued

Yes. However, if post-contingencies are not completed within 30 days, the policy will be canceled.

All policy documents will be available once contingencies are completed and an underwriter has reviewed it.

Retrievable documents are:
/binder, /security_letter, /billing_statement

Bind requested (open pre-bind contingencies)

No. However, an underwriter will be notified to review any contingencies.

No bind-related documents.

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.

Application Uploaded (Post-bind contingency)

app_attestation field

Bind/Quote State || Response Message

Yes.

true

Immediate policy issuance if all post-bind contingencies have supporting documents uploaded.

Yes

false

"message": "Unable to process bind until application answers are attested to."

Yes

Property omitted in API request

Conditional binder issued

No

true

"message": "Resource not available for current quote_status."

No

false

"message": "Unable to process bind until application answers are attested to."

No

Property omitted in API request

Bind requested(quote_bind_requested)


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