The body of each POST request to /quotes can be broken down into three pieces:

• The client object.
• The limits and retentions of each policy requested.
• Answers to our question set.

Request Body Objects

Client Object

The client object is composed of basic information of the applicant.
Most of these fields are required except:

• The street2 address field.
• For TEO submissions, industry(NAICS code) is an optional field.
• company_id can be a field when attempting to change the information of a previously submitted applicant as described in Make Changes to Quotes via API.

❗️

Updated Revenue Question

For pre-revenue companies like startups or other businesses, our guideline is to use the applicant's previous year's revenue.
Here is our updated revenue question with added clarity:

“Applicant’s previous fiscal year-end revenue (or projected current year-end revenue if Applicant did not generate previous revenue)”

"client": {
        "broker_email": "[email protected]",
        "domains": [
            "at-bay.com"
        ],
        "name": "docs test",
        "industry": "713290",
        "revenue": 1000000,
        "address": {
            "city": "Mountain View",
            "state": "California",
            "street": "Castro street 15",
            "zip": "32542",
            "street2": "<This is optional>"
        }
}

Policy Object

Here, you can request multiple policies with varying limits, retentions, and per claim limits.
Each object in the quotes array will produce a corresponding quote response with a unique quote_identifier.
You can see more detail about the behavior of these fields in our reference

"policy": {
        "insurance_product": "CYB",
        "quotes": [
            {
                "aggregate_limit": 1000000,
                "aggregate_retention": 5000
            },
            {
                "aggregate_limit": 2000000,
                "per_claim_limit": 10000
            },
            {
                "aggregate_limit": 3000000,
            }
        ]
}

Questions Array

The Questions array is a list of objects representing the answers to the corresponding insurance question set.
Depending on the question set and how they're answered, some questions may become required.
Answers to multiple choice questions must be submitted with the exact string specified.

The logic is covered in Request Quotes .

"questions": [
        {
            "id": "2244",
            "value": ["None of the above"]
        },
        {
            "id": "2245",
            "value": "true"
        },
        {
            "id": "2159",
            "value": "false"
        },
        {
            "id": "2147",
            "value": "false"
        },
        {
            "id": "2146",
            "value": "false"
        },
        {
            "id": "2143",
            "value": "true"
        },
        {
            "id": "2142",
            "value": "true"
        },
        {
            "id": "2141",
            "value": "true"
        }
]