{
  "name": "AtBayQuote",
  "version": "v2",
  "description": "Structural breakdown of the At-Bay Quote resource as exchanged via the Partner API.",
  "fields": [
    { "name": "quote_identifier", "type": "string", "required": true, "description": "Stable polling key for the quote." },
    { "name": "company_id", "type": "string", "required": true, "description": "Identifier for the insured company." },
    { "name": "status", "type": "enum", "required": true, "values": [
        "quote_pending", "quote_referred", "quote_open", "quote_bind_requested",
        "quote_declined", "quote_expired", "quote_revoked", "quote_not_bound",
        "policy_active", "policy_cancelled", "policy_expired"
      ]
    },
    { "name": "insurance_product", "type": "enum", "required": true, "values": ["CYB", "TEO", "MPL"] },
    { "name": "premium", "type": "number", "required": false },
    { "name": "coverage_limit", "type": "integer", "required": false },
    { "name": "retention", "type": "integer", "required": false },
    { "name": "effective_date", "type": "date", "required": false },
    { "name": "expiration_date", "type": "date", "required": false },
    { "name": "broker_of_record", "type": "object", "required": false, "subfields": [
        { "name": "broker_id", "type": "string" },
        { "name": "agency_id", "type": "string" }
      ]
    }
  ],
  "lifecycle": {
    "create": "POST /quotes returns quote_identifier with status=quote_pending",
    "poll": "GET /quotes/{quote_identifier} every ~10s until status leaves quote_pending",
    "bind": "POST /quotes/{quote_identifier}/bind transitions to quote_bind_requested then policy_active",
    "renewal": "Auto unless paused via POST /policies/{policy_id}/pause-auto-renewal"
  }
}