POST /v1/quote until all programs reach a terminal status.quotes[] is a fully-rendered program card — no second call needed to render pricing, badges, or payment UI.| Status | Meaning |
|---|---|
quoting | Submitted to carrier, awaiting response |
quoted | Carrier returned pricing |
declined | Carrier declined this risk |
quote_failed | Carrier returned an error or timed out |
bound | Policy issued |
GET /v1/quote/{quoteId}/applications/{quoteRequestId}.curl --location '/v1/quote/' \
--header 'Authorization: Bearer <token>'{
"success": true,
"data": {
"quoteId": "075e8d7c-b648-4e0a-9f22-e3ac727c672d",
"source": "web",
"status": "quoted",
"clientState": {
"line": "commercial",
"business": {
"legalBusinessName": "Acme Café LLC"
}
},
"createdAt": "2026-05-01T10:00:00Z",
"expiresAt": "2026-05-15T23:59:59Z",
"quotes": [
{
"id": "3c4d5e6f-7a8b-9012-cdef-012345678901",
"quoteRequestId": "0e7c2e9a-fa75-4f6c-9978-a112ad078d7e",
"attemptNumber": 1,
"status": "quoted",
"effectiveDate": null,
"expirationDate": null,
"validUntil": "2026-05-15T23:59:59Z",
"ratedAt": "2026-05-01T10:00:05Z",
"programState": {
"coverage": {
"glLimit": 1000000,
"bppLimit": 50000
}
},
"program": {
"id": "d81f38e5-1f74-554d-c321-6ee4d1ee63e6",
"name": "Business Owners Policy",
"code": "COTERIE-BOP",
"type": "BOP",
"slug": "coterie-bop",
"description": "Comprehensive coverage combining general liability and commercial property.",
"tagline": "The all-in-one policy for small businesses.",
"tier": "standard",
"isFeatured": true,
"renewalType": "renewable",
"renewalFrequency": "annual",
"quoteValidityDays": 14,
"marketing": {
"shortDescription": "GL + property in one policy.",
"badges": [
"Top Rated",
"Most Popular"
],
"cardHighlights": [
"$1M general liability",
"Property coverage included"
]
}
},
"carrier": {
"id": "b2c3d4e5-0000-0000-0000-000000000002",
"name": "Coterie Insurance",
"code": "coterie",
"quoteId": "CARRIER-REF-00123",
"referenceIds": {
"applicationId": "APP-789",
"externalId": null
}
},
"pricing": {
"annualPremium": 966,
"monthlyPremium": 80.5,
"taxes": 0,
"fees": 0,
"totalAnnual": 966,
"totalMonthly": 80.5,
"currency": "USD"
},
"options": [
{
"key": "glLimit",
"label": "General Liability Limit",
"values": [
300000,
500000,
1000000,
2000000
],
"selectedValue": 1000000
},
{
"key": "bppLimit",
"label": "Business Personal Property",
"values": [
10000,
25000,
50000,
100000
],
"selectedValue": 50000
}
],
"endorsements": [
{
"key": "liquorLiabilityEndorsement",
"name": "Liquor Liability",
"included": false,
"available": true
},
{
"key": "dataBreachEndorsement",
"name": "Data Breach",
"included": true,
"available": true
}
],
"paymentOptions": [
{
"method": "card",
"label": "Credit Card",
"frequencies": [
{
"frequency": "annual",
"amount": 966
},
{
"frequency": "monthly",
"amount": 80.5
}
]
}
],
"billing": {
"method": "stripe",
"publishableKey": "pk_live_51xxxxxxxxxxxxx",
"billingDescriptor": "Coterie Insurance",
"allowedMethods": [
"credit_card"
]
},
"documents": [
{
"type": "quote_proposal",
"label": "Quote Proposal",
"url": "https://api.coterieinsurance.com/documents/quote-proposal-00123.pdf"
},
{
"type": "application",
"label": "Application",
"url": "https://api.coterieinsurance.com/documents/application-00123.pdf"
}
],
"notices": [
{
"text": "This policy does not cover liquor liability. Add the endorsement if your business serves alcohol.",
"type": "notice",
"level": "underwriting"
}
],
"termsAndConditions": []
}
],
"summary": {
"totalAnnual": 966,
"totalMonthly": 80.5,
"quotedCount": 1,
"failedCount": 0
}
}
}