Create a quote folio

Submit risk data, select programs, and create a quote folio. The backend fans out to each carrier in programs[], prices each one, and returns the results.

On success, every program in programs[] produces a bindable application (quoteRequestId). Poll GET /v1/quote/{quoteId} until each application's status transitions from pending to success (priced) or error (carrier declined).

system_payload

system_payload is the atomic rating block. Its shape varies by program type:

BOP / CGL / PL — business info: class_code, business_name, mailing_zip, mailing_state, employee_count, annual_revenue, effective_date

TI — travel info: country_of_residence, destination_country, start_date, end_date, insureds[], coverage

The system records system_payload as-is and hashes it. Any change to a rating factor (e.g. different class code, different plan max) requires a re-quote (POST /v1/quote/{quoteId}), not an edit.

groupId

The first quote for a shopping session auto-mints a new groupId. All subsequent re-quotes for the same session reuse it (pass originalQuoteId). Use GET /v1/quote?groupId=… to retrieve all quotes in a session.

Bearer Token

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

application/json

Quote folio created. Applications are created with status pending and will transition to success or error as carrier responses arrive.

Bodyapplication/json

curl --location '/v1/quote' \ --header 'Authorization: Bearer <token>' \ --header 'Content-Type: application/json' \ --data '{ "program_type": "BOP", "class_code": "restaurant_fullservice", "business_name": "Acme Cafe LLC", "mailing_zip": "43215", "mailing_state": "OH", "employee_count": 5, "annual_revenue": 250000, "effective_date": "2026-05-15", "coverage": { "glLimit": 1000000, "bppLimit": 50000 } }'

{ "success": true, "data": { "quoteId": "075e8d7c-b648-4e0a-9f22-e3ac727c672d", "groupId": "9a1b2c3d-4e5f-6789-abcd-ef0123456789", "applications": [ { "quoteRequestId": "0e7c2e9a-fa75-4f6c-9978-a112ad078d7e", "programType": "TI", "status": "success", "pricingData": { "currency": "USD", "pricing": [ { "programId": "c70f27d4-0f63-443c-b210-5dd3c0dd52d5", "premium": 560.06, "fees": 31.8, "taxes": 0, "total": 591.86 } ] } } ] } }

Create a quote folio

system_payload#

groupId#

Request

Responses

system_payload

groupId