AmTrust Financial Services Appetite API

openapi: 3.0.3
info:
  title: AmTrust Financial Services Commercial Lines Appetite API
  description: The AmTrust Commercial Lines API enables insurance agents, brokers, and technology partners to review appetite, generate quotes, and bind commercial lines policies. Supports workers' compensation, BOP, general liability, and commercial package across 300+ eligible class codes.
  version: 1.0.0
  contact:
    name: AmTrust API Support
    url: https://amtrustfinancial.com/api
  termsOfService: https://amtrustfinancial.com/terms-of-use
  x-generated-from: documentation
servers:
- url: https://api.amtrustservices.com
  description: AmTrust Production API
security:
- bearerAuth: []
tags:
- name: Appetite
  description: Coverage appetite and eligibility checks
paths:
  /v1/appetite:
    post:
      operationId: checkAppetite
      summary: AmTrust Financial Services Check Coverage Appetite
      description: Check whether AmTrust has an appetite for a given risk based on business class code, state, and coverage type. Returns eligibility status and available products.
      tags:
      - Appetite
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AppetiteRequest'
      responses:
        '200':
          description: Appetite check result
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AppetiteResponse'
              examples:
                checkAppetite200Example:
                  summary: Default checkAppetite 200 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '400':
          description: Invalid request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                checkAppetite400Example:
                  summary: Default checkAppetite 400 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                checkAppetite401Example:
                  summary: Default checkAppetite 401 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    AppetiteRequest:
      type: object
      description: Request to check coverage appetite
      required:
      - state
      - class_code
      - product_type
      properties:
        state:
          type: string
          description: US state abbreviation
          example: CA
        class_code:
          type: string
          description: NCCI or state class code for the business
          example: '8810'
        product_type:
          type: string
          description: Insurance product type
          enum:
          - workers_compensation
          - bop
          - general_liability
          - commercial_package
          example: workers_compensation
        payroll:
          type: number
          description: Annual payroll amount
          example: 500000
    ErrorResponse:
      type: object
      description: Error response
      properties:
        error:
          type: string
          description: Error code
          example: invalid_request
        message:
          type: string
          description: Human-readable error message
          example: Invalid class code for the specified state
        details:
          type: array
          items:
            type: string
          description: Additional error details
    AppetiteResponse:
      type: object
      description: Coverage appetite check result
      properties:
        eligible:
          type: boolean
          description: Whether AmTrust has appetite for this risk
          example: true
        products:
          type: array
          description: Available products for this risk
          items:
            type: string
          example:
          - workers_compensation
        bind_online:
          type: boolean
          description: Whether the policy can be bound online
          example: true
        reason:
          type: string
          description: Reason if not eligible
          example: Eligible for online quoting and binding
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 access token obtained from /oauth/token endpoint
externalDocs:
  description: AmTrust API Documentation
  url: https://amtrustfinancial.com/api