Create a quote

POST /api/v1/quotes

To provide insurance coverage to contractors on your platform, you first create a Quote object. If you use your test API keys, everything will occur as if in production but the policy that's generated will be a test policy.

application/json

Body

  • contractor string Required

    The ID of the contractor seeking a quote for insurance coverage.

  • coverage_type array[string] Required

    An array of coverage types that can include one or more of the following insurance coverage values: general, professional, workers-comp, media, and cyber. Note that media and cyber coverage requires general coverage, except for Hawaii (HI) residents where general liability is not available.

    Values are general, professional, workers-comp, media, or cyber.

  • effective_date integer(int64)

    The date when the insurance coverage is set to take effect. Measured in seconds since the Unix epoch. This date must be set in the future. The default effective_date is the next day.

  • end_date integer(int64)

    The date when the insurance coverage is set to expire. Measured in seconds since the Unix epoch. This date must be after the effective date. If the end_date is on the same day as the effective_date, it will automatically be adjusted to the start of the next day. The default end_date is 30 days after the effective date.

  • job string Required

    The ID of the job assignment that the contractor will be working on.

Responses

  • 201 application/json

    Returns the quote object if the post succeeded.

    Hide response attributes Show response attributes object
    • contractor string

      ID of the contractor.

    • coverage_type array[string]

      An array of coverage types that can include one or more of the following insurance coverage values: general, professional, workers-comp, media, and cyber.

      Values are general, professional, workers-comp, media, or cyber.

    • created integer(int64)

      Time at which the object was created. Measured in seconds since the Unix epoch.

    • effective_date string(int64)

      The date when the insurance coverage is set to take effect. Measured in seconds since the Unix epoch. This date must be set in the future. The default effective_date is the next day.

    • eligible boolean

      Indicates whether a contractor is elgible for insurance or not.

      Default value is true.

    • end_date string(int64)

      The date when the insurance coverage is set to expire. Measured in seconds since the Unix epoch. This date must be after the effective date. The default end_date is 30 days after the effective date.

    • gl_net_rate integer

      The amount of money the 1099 contractor pays in general liability premium per every $100 earned.

      A positive integer representing the premium owed per $100 earned. The gl_net_rate is stored in cents (e.g., 48 represents $0.48).

    • id string

      Unique identifier for the object.

    • job string

      ID of the job that the contractor was paid to do.

    • net_rate integer

      The amount of money the 1099 contractor pays in premium per every $100 earned.

      A positive integer representing the premium owed per $100 earned. The net_rate is stored in cents (e.g., 48 represents $0.48).

    • quote_json object

      The JSON representation of component parts that make up the total premium amount due including, for example, the net rate, taxes, and fees.

    • wc_net_rate integer

      The amount of money the 1099 contractor pays in workers comp premium per every $100 earned.

      A positive integer representing the premium owed per $100 earned. The wc_net_rate is stored in cents (e.g., 48 represents $0.48).
POST /api/v1/quotes 
curl \
 --request POST 'https://api.1099policy.com/api/v1/quotes' \
 --header "Content-Type: application/json" \
 --data '{"$ref":"#/components/examples/quote"}'
Request example 
{
  "$ref": "#/components/examples/quote"
}
Response examples (201) 
{
  "contractor": "cn_Ehb3bYa",
  "coverage_type": [
    "general",
    "workers-comp"
  ],
  "created": 1646818364,
  "effective_date": 1646818364,
  "eligible": true,
  "end_date": 1678334737,
  "gl_net_rate": 20,
  "id": "string",
  "job": "jb_jsb9KEcTpc",
  "net_rate": 65,
  "quote_json": {
    "gl": {
      "net_rate": 20,
      "stamping_fee": null,
      "risk_purchasing_group_fee": null
    },
    "wc": {
      "net_rate": 45
    }
  },
  "wc_net_rate": 45
}