Requesting an Insurance Quote via API

All requests for quotes, regardless of product, uses the POST/quote endpoint. 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.

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.

Pre-Revenue Companies

For pre-revenue companies like startups or other businesses, our guideline is to use the applicant's projected revenues.

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Conditional Revenue Logic

Help text for revenue relevant to pre-revenue companies:
“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": "15 Castro Street",
            "zip": "32542",
            "street2": "<This is optional>"
        }
}

Policy Object

You can request multiple policies with varying limits, retentions, per claim limits, and per claim retentions.
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

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quotes

The only required field is aggregate_limit.
Each quote option can be customized depending on each insurance product's policy field.

API defaults with aggregate_retention or per_claim_limit omitted:
aggregate_retention: 2500 or lowest available retention
per_claim_limit: aggregate limit match

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Autoquote limits

Quotes above certain limits will result in a referral or result in an decline/autodecline. These limits are specific to each insurance product.

"policy": {
        "insurance_product": "CYB" or "TEO" or "MPL",
        "quotes": [
            {
                "aggregate_limit": 100000,
                "aggregate_retention": 2500
            },
            {
                "aggregate_limit": 2000000,
                "per_claim_limit": 2000000 #Field only available for Surplus/TEO/MPL
            },
            {
                "aggregate_limit": 3000000
            }
        ]
    }

Concurrency Rate Limits

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Maximum Quote Options

One quote request can include up to 10 options.

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": "2159",
            "value": "false"
        },
        {
            "id": "2300",
            "value": "true"
        },
        {
            "id": "2301",
            "value": "true"
        },
        {
            "id": "2147",
            "value": "false"
        },
        {
            "id": "2146",
            "value": "false"
        },
        {
            "id": "2142",
            "value": "true"
        },
        {
            "id": "2302",
            "value": ["Barracuda"]
        }
]