{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/at-bay/main/json-schema/at-bay-quote-schema.json",
  "title": "At-Bay Quote",
  "description": "Quote resource returned by the At-Bay Partner API (v2) for Surplus Cyber, Tech E&O, and MPL products.",
  "type": "object",
  "required": ["quote_identifier", "status", "insurance_product"],
  "properties": {
    "quote_identifier": {
      "type": "string",
      "description": "Unique identifier for the quote. Returned by POST /quotes and used as the polling key."
    },
    "company_id": {
      "type": "string",
      "description": "Identifier for the insured company, returned alongside the quote."
    },
    "status": {
      "type": "string",
      "description": "Lifecycle status of the quote or downstream policy.",
      "enum": [
        "quote_pending",
        "quote_referred",
        "quote_open",
        "quote_bind_requested",
        "quote_declined",
        "quote_expired",
        "quote_revoked",
        "quote_not_bound",
        "policy_active",
        "policy_cancelled",
        "policy_expired"
      ]
    },
    "insurance_product": {
      "type": "string",
      "enum": ["CYB", "TEO", "MPL"],
      "description": "CYB = Surplus Cyber, TEO = Surplus Tech E&O, MPL = Surplus Miscellaneous Professional Liability."
    },
    "premium": {
      "type": "number",
      "description": "Total premium in USD."
    },
    "coverage_limit": {
      "type": "integer",
      "description": "Coverage limit in USD."
    },
    "retention": {
      "type": "integer",
      "description": "Retention (deductible) in USD."
    },
    "effective_date": {
      "type": "string",
      "format": "date"
    },
    "expiration_date": {
      "type": "string",
      "format": "date"
    },
    "broker_of_record": {
      "type": "object",
      "properties": {
        "broker_id": { "type": "string" },
        "agency_id": { "type": "string" }
      }
    }
  }
}