openapi: 3.0.1
info:
  title: Coterie Commercial Insurance Applications Quotes API
  description: The Coterie Commercial Insurance API lets appointed agents and digital partners establish a commercial account, create applications describing an insured small business, generate rated bindable quotes for Business Owners Policy (BOP), General Liability (GL), Professional Liability (PL), and Workers' Compensation (WC), bind and issue policies, look up industry / NAICS classifications, retrieve policy documents, and manage webhooks.
  termsOfService: https://coterieinsurance.com/terms-of-use/
  contact:
    name: Coterie Insurance Partner Support
    url: https://docs.coterieinsurance.com/
  version: '1.0'
servers:
- url: https://api.coterieinsurance.com/v1
  description: Production
- url: https://api-sandbox.coterieinsurance.com/v1
  description: Sandbox
security:
- bearerAuth: []
tags:
- name: Quotes
  description: Rated, bindable quotes and underwriting questions.
paths:
  /commercial/quotes:
    post:
      operationId: createQuote
      tags:
      - Quotes
      summary: Create a bindable quote.
      description: Generates a rated, bindable quote for the requested lines of business against an application. Quotes are immutable; request a new quote when application data changes.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/QuoteRequest'
      responses:
        '200':
          description: Quote created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteResponse'
  /commercial/quotes/{quoteId}:
    get:
      operationId: getQuote
      tags:
      - Quotes
      summary: Retrieve a quote.
      parameters:
      - $ref: '#/components/parameters/QuoteId'
      responses:
        '200':
          description: Quote found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteResponse'
  /commercial/quotes/{quoteId}/underwriting-questions:
    get:
      operationId: getUnderwritingQuestions
      tags:
      - Quotes
      summary: List underwriting questions for a quote.
      description: Returns the underwriting questions that must be answered for the quote to reach a "Ready to Bind" status.
      parameters:
      - $ref: '#/components/parameters/QuoteId'
      responses:
        '200':
          description: Underwriting questions returned.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/UnderwritingQuestion'
components:
  schemas:
    UnderwritingQuestion:
      type: object
      properties:
        questionId:
          type: string
        prompt:
          type: string
        answerType:
          type: string
        required:
          type: boolean
    QuoteRequest:
      type: object
      properties:
        applicationId:
          type: string
        endorsementPackages:
          type: array
          items:
            type: string
            enum:
            - BOP
            - GL
            - PL
            - WC
            description: Line of business requested.
      required:
      - applicationId
      - endorsementPackages
    QuoteResponse:
      type: object
      properties:
        quoteId:
          type: string
        applicationId:
          type: string
        status:
          type: string
          description: e.g. Draft, NeedsUnderwriting, ReadyToBind.
        premium:
          type: number
        currency:
          type: string
          default: USD
        endorsementPackages:
          type: array
          items:
            type: string
  parameters:
    QuoteId:
      name: quoteId
      in: path
      required: true
      schema:
        type: string
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: Pass your Coterie API key as a Bearer token in the Authorization header. Channel partners are issued a Publishable Key (client-side) and a Secret Key (server-side only); some operations require the Secret Key. Partners may also authenticate via OAuth2 client-credentials to obtain a Bearer access token. Producer attribution uses the token producer_{producerId} form.
    oauth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://api.coterieinsurance.com/v1/oauth/token
          scopes: {}