# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-25 by the file itself), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
# Coverage demoted 2026-10-07 (roadmap#942, PLAN.md Stage A): this file was written by an API Evangelist
# sweep and names no billing unit, meters or pricing category read from the provider — it restates the
# FinOps framework. It is `x-coverage: unmeasured`, and the FOCUS alignment it claimed has been removed.
x-coverage: unmeasured
method: generated
generated: '2026-05-25'
specification: FinOps Framework
specificationVersion: '1.0'
provider: Coalition
providerId: coalition-inc
publisherName: Coalition
serviceCategory: Insurance / Developer API
created: '2026-05-25'
modified: '2026-05-25'
tags:
  - Cyber Insurance
  - Insurance
  - Insurtech
  - Risk Management
  - FinOps
  - Cost Management
  - FOCUS
description: >-
  FinOps framework definition for Coalition's API and platform surface.
  Coalition's primary revenue is insurance premium, not API consumption,
  so the FinOps mapping below tracks both insurance-line allocation
  (premium, claims, commissions) and the technical cost surface of any
  hosted partner integration.
principles:
  - name: Visibility
    description: >-
      Make API integration cost, premium consumption, and claims-adjacent
      service spend visible to brokers, MGAs, and finance teams.
  - name: Allocation
    description: >-
      Tag insurance API calls with broker, program, line of business, and
      market so consumption can be allocated against commission and
      operating budgets.
  - name: Optimization
    description: >-
      Evaluate quote-to-bind ratios, document generation volume, and
      webhook delivery cost to keep cost-per-bound-policy in line with
      target unit economics.
  - name: Accountability
    description: >-
      Assign budget owners for partner-hosted broker portals and shared
      services (e.g. document signing, e-mail delivery, incident response
      hotline).
domains:
  - name: Understand Usage and Cost
    capabilities:
      - Data Ingestion
      - Allocation
      - Reporting and Analytics
      - Anomaly Management
  - name: Quantify Business Value
    capabilities:
      - Planning and Estimating
      - Forecasting
      - Budgeting
      - Benchmarking
      - Unit Economics
  - name: Optimize Usage and Cost
    capabilities:
      - Rate Optimization
      - Workload Optimization
      - Licensing and SaaS
  - name: Manage the FinOps Practice
    capabilities:
      - FinOps Practice Operations
      - Invoicing and Chargeback
      - Onboarding Workloads
billingModel:
  pricingCategory: Premium-Based
  billingFrequency: Per-Policy
  billingCurrency: USD
  chargeCategories:
    - Premium
    - Commission
    - Tax
    - Surcharge
    - Adjustment
  chargeFrequency: One-Time
focusColumns:
  ServiceName: Coalition
  ServiceCategory: Insurance / Developer API
  ProviderName: Coalition
  PublisherName: Coalition
  InvoiceIssuerName: Coalition
  PricingCategory: Premium-Based
  PricingUnit: policy
  BillingCurrency: USD
  ChargeCategory: Premium
meters:
  - name: api_requests
    description: Count of API requests against Coalition surfaces
    unit: request
    aggregation: sum
    dimensions:
      - api
      - endpoint
      - partner
      - environment
  - name: quotes_generated
    description: Number of bindable quotes generated
    unit: quote
    aggregation: sum
    dimensions:
      - line_of_business
      - market
      - broker
      - program
  - name: policies_bound
    description: Number of policies bound via the API
    unit: policy
    aggregation: sum
    dimensions:
      - line_of_business
      - market
      - broker
      - program
  - name: documents_generated
    description: Number of PDF artifacts produced (quote, CRA, signature bundle, policy)
    unit: document
    aggregation: sum
    dimensions:
      - document_type
      - line_of_business
apis:
  - name: Coalition Exploit Scoring System API
    baseURL: https://ess-api.coalitioninc.com
    tags:
      - Cybersecurity
      - Vulnerability
      - Threat Intelligence
    serviceName: Coalition ESS
    serviceCategory: Threat Intelligence API
  - name: Coalition Active Insurance API
    baseURL: https://api.coalitioninc.com
    tags:
      - Insurance
      - Cyber Insurance
      - Brokers
    serviceName: Coalition Active Insurance
    serviceCategory: Insurance Distribution API
unitEconomics:
  - name: Cost per Bound Policy
    metric: total_partner_integration_cost / policies_bound
  - name: Quote-to-Bind Ratio
    metric: policies_bound / quotes_generated
  - name: Documents per Policy
    metric: documents_generated / policies_bound
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com