AmTrust Financial Services Policies API

openapi: 3.0.3
info:
  title: AmTrust Financial Services Commercial Lines Appetite Policies 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: Policies
  description: Policy binding and management
paths:
  /v1/quotes/{quote_id}/bind:
    post:
      operationId: bindPolicy
      summary: AmTrust Financial Services Bind Policy
      description: Bind a quoted policy to issue a commercial lines policy. Only available for eligible class codes that support online binding.
      tags:
      - Policies
      parameters:
      - name: quote_id
        in: path
        required: true
        description: Unique identifier of the quote to bind
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BindRequest'
      responses:
        '201':
          description: Policy bound successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PolicyResponse'
              examples:
                bindPolicy201Example:
                  summary: Default bindPolicy 201 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '400':
          description: Invalid bind request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                bindPolicy400Example:
                  summary: Default bindPolicy 400 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '404':
          description: Quote not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                bindPolicy404Example:
                  summary: Default bindPolicy 404 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /v1/policies/{policy_id}:
    get:
      operationId: getPolicy
      summary: AmTrust Financial Services Get Policy
      description: Retrieve the details of a bound commercial lines policy.
      tags:
      - Policies
      parameters:
      - name: policy_id
        in: path
        required: true
        description: Unique policy number
        schema:
          type: string
      responses:
        '200':
          description: Policy details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PolicyResponse'
              examples:
                getPolicy200Example:
                  summary: Default getPolicy 200 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '404':
          description: Policy not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                getPolicy404Example:
                  summary: Default getPolicy 404 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    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
    Insured:
      type: object
      description: Business insured information
      required:
      - name
      - address
      - class_code
      properties:
        name:
          type: string
          description: Legal business name
          example: Acme Contracting LLC
        fein:
          type: string
          description: Federal Employer Identification Number
          example: 12-3456789
        class_code:
          type: string
          description: NCCI or state class code
          example: '8810'
        address:
          $ref: '#/components/schemas/Address'
        years_in_business:
          type: integer
          description: Years the business has been operating
          example: 5
        payroll:
          type: number
          description: Total annual payroll
          example: 750000
        employee_count:
          type: integer
          description: Total number of employees
          example: 25
    PolicyResponse:
      type: object
      description: Bound policy details
      properties:
        policy_number:
          type: string
          description: Unique AmTrust policy number
          example: WC-2025-001234
        status:
          type: string
          description: Policy status
          enum:
          - active
          - cancelled
          - expired
          example: active
        product_type:
          type: string
          description: Insurance product type
          example: workers_compensation
        premium:
          type: number
          description: Annual premium
          example: 8250.0
        effective_date:
          type: string
          format: date
          example: '2025-07-01'
        expiration_date:
          type: string
          format: date
          example: '2026-07-01'
        insured:
          $ref: '#/components/schemas/Insured'
        bound_at:
          type: string
          format: date-time
          example: '2025-03-15T15:00:00Z'
    Address:
      type: object
      description: Physical address
      required:
      - street
      - city
      - state
      - zip
      properties:
        street:
          type: string
          description: Street address
          example: 123 Main St
        city:
          type: string
          description: City
          example: Austin
        state:
          type: string
          description: State abbreviation
          example: TX
        zip:
          type: string
          description: ZIP code
          example: '78701'
    BindRequest:
      type: object
      description: Request to bind a quoted policy
      required:
      - agent_signature
      properties:
        agent_signature:
          type: string
          description: Agent electronic signature confirming bind intent
          example: John Smith
        payment_method:
          type: string
          description: Payment method for premium
          enum:
          - direct_bill
          - agency_bill
          example: direct_bill
        additional_notes:
          type: string
          description: Optional notes for the policy
          example: Insured prefers monthly installments
  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