Multiple Contingencies or Subjectivities

When a quote undergoes manual review, either due to being quote_referred or by broker request, an underwriter may publish additional contingencies or subjectivities.

Additional subjectivities will also be represented within the bind process included in our Broker Platform.

The Contingency Array

Additional contingencies can be satisfied via our document upload flow as mentioned in our guide to binding via API.

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Underwriter Notifications

At-Bay underwriters get a notification every time a document is uploaded.
We recommend polling the quote to check if the contingency status changes from open to closed.

Pre-Bind vs Post-Bind

Once additional pre-bind contingencies are closed, you can resume the flow for immediate policy issuance or make a conditional bind request.

"contingencies": [
        {
            "contingency_id": 999997,
            "status": "open",
            "text": "A signed and dated version of the submitted cyber application. Application to be signed and dated by a member of the control group no more than 45 days before a bind is requested.",
            "type": "post_bind"
        },
        {
            "contingency_id": 999998,
            "status": "open",
            "text": "Confirmation that applicant has firewall enabled on all endpoints",
            "type": "pre_bind"
        },
        {
            "contingency_id": 999999,
            "status": "open",
            "text": "Confirmation that applicant utilizes VPN for all remote access",
            "type": "pre_bind"
        }
    ],

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