The Quotes API from Pie Insurance — 2 operation(s) for quotes.
openapi: 3.0.4
info:
title: Pie Insurance Quote Api Appetite Quotes API
version: v1
servers:
- url: https://api.post-prod.pieinsurance.com/api/v1
security:
- bearer: []
tags:
- name: Quotes
paths:
/Quotes:
post:
tags:
- Quotes
summary: ''
parameters:
- name: agencyCode
in: query
description: An optional query param to submit an Agency Code in addition to the IdToken
schema:
type: string
requestBody:
description: QuoteRequestPost
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteRequestPost'
example:
namedInsured: Example Company
effectiveDate: Wednesday, May 27, 2026
expirationDate: Thursday, May 27, 2027
description: A very useful company
workersCompensation:
currentlyCovered: true
legalEntities:
- businessType: Corporation
states:
- code: MD
experienceModification:
factor: 1.0
type: Actual
date: '2014-05-20'
riskId: RiskId
locations:
- address:
state: MD
country: US
shortZipCode: '21201'
line1: 123 Main St.
line2: Suite 300
city: Baltimore
zip: '21201'
exposure:
- payroll: 10000
class: '9083'
- payroll: 10000
class: '9083'
officers:
- ownershipPercentage: 50.0
birthDate: '1969-01-20'
name: Bob Businessman
- ownershipPercentage: 50.0
birthDate: '1996-01-20'
name: John Doe
fullTimeEmployeeCount: 25
partTimeEmployeeCount: 5
- address:
state: MD
country: US
shortZipCode: '21217'
line1: 456 2nd St.
line2: Suite 400
city: Baltimore
zip: '21217'
exposure:
- payroll: 10000
class: '9083'
- payroll: 10000
class: '9083'
officers:
- ownershipPercentage: 50.0
birthDate: '1969-01-20'
name: John Franchisee
fullTimeEmployeeCount: 25
partTimeEmployeeCount: 5
uian: '1111'
name: Bob Businessman
doingBusinessAs:
- Bob's Burgers
taxId: '951234567'
employersLiability:
eachAccident: 100000
eachEmployee: 100000
eachPolicy: 500000
priorCarriers:
- effectiveDate: '2023-05-27'
expirationDate: '2024-05-27'
totalPremium: 20420.75
lapseInPeriod: false
nonZeroClaimCount: 1
zeroClaimCount: 0
amountPaid: 10000.0
amountReserved: 10000.0
amountIncurred: 100.0
modificationFactor: 0.5
name: Brownie Insurance
policyNumber: '1234567890'
- effectiveDate: '2025-05-27'
expirationDate: '2026-05-27'
totalPremium: 5000.75
lapseInPeriod: false
nonZeroClaimCount: 0
zeroClaimCount: 0
amountPaid: 0.0
amountReserved: 0.0
amountIncurred: 100.0
modificationFactor: 0.5
name: Cookie Insurance
policyNumber: 0987654321
mailingAddress:
state: MD
country: US
shortZipCode: '21201'
line1: 123 Main St.
line2: Suite 300
city: Baltimore
zip: '21201'
contacts:
- type: Claims
firstName: John
lastName: Doe
phone: 555-555-5555
email: test@email.com
- type: Accounting
firstName: Jane
lastName: Doe
phone: 555-555-5555
email: jane@email.com
eligibilityAnswers:
- id: 3ce48d82-963d-4477-a850-2f34d7df0583
answer: 'No'
- id: 6936feea-92eb-426c-ad36-3e195652801d
answer: 'No'
- id: a4943dd7-2e04-41ad-8d49-f0353517f3be
answer: 'No'
- id: c245550f-7722-4e2e-9d49-bfef864ff1ae
answer: 'No'
- id: d3985c52-9012-4278-9649-23b33da936b5
answer: 'No'
- id: ee222b96-45f3-4843-a2dd-7514c182b05d
answer: 'No'
- id: fa056329-55ff-49bf-97b5-f50a59fa94a6
answer: 'No'
responses:
'500':
description: Internal Server Error
'501':
description: Not Implemented
'502':
description: Bad Gateway
'503':
description: Service Unavailable
'504':
description: Gateway Timeout
'505':
description: HTTP Version Not Supported
'200':
description: Valid Request - But we can’t generate a quote bid for the given reason
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteDeclineResponse'
'201':
description: Created
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteResponse'
example:
referReasons:
- no ReferReasons
declineReasons:
- no DeclineReasons
namedInsured: MSF Hotdog LTD
insuredAddress:
line1: 40 W Littleton Blvd Ste 211
city: Beverly Hills
state: CA
zip: '90210'
agencyId: 08deba69-6030-fbd6-a82b-ef00017ebf40
effectiveDate: '2026-05-30'
employersLiabilityLimits:
eachAccident: 1000000
eachEmployee: 1000000
eachPolicy: 1000000
quoteDate: '2026-05-25'
insuranceCompany: Insurance Company
classCodeQuotes:
- classCode: '2759'
description: BOX OR BOX SHOOK MFG
payroll: 300000
premium: 0
rate: 0.0
percentageOfPayroll: 0.0
stateQuotes:
- experienceModifierInput: 0.0
scheduleModifierFactor: 0.0
catastrophe: 30.0
classPremium: 30930.0
expenseConstant: 0.0
minimumPremium: 0
modifiedPremium: 0
policyTotalEstimatedCost: 29588.0
premiumDiscount: 200
scheduleModifier: 0.0
standardPremium: 0
subjectPremium: 0
totalTaxesAndAssessments: 0.0
terrorism: 90.0
totalEstimatedPremium: 29292.0
premiumDetails:
catastrophe: 13.0
classPremium: 1787.0
expenseConstant: 160.0
experienceModifier: 0.0
liabilityLimits: 120
minimumPremium: 1805
modifiedPremium: 2264
policyTotalEstimatedCost: 2081.0
premiumDiscount: 0
scheduleModifier: -453.0
standardPremium: 1811
subjectPremium: 2264
taxesAndAssessments:
- code: CAWCARF
description: Workers' Compensation Administration Revolving Fund
rate: 0.01704
premium: 34
totalTaxesAndAssessments: 70.0
terrorism: 27.0
totalEstimatedPremium: 2011.0
blanketWaiver: 0
specificWaiver: 0
territoryModifier: 357
installments:
full:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
monthly:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
quarterly:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
semiannual:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
isDirty: false
instantBindStatus: Unspecified
bindStatus: Quotable
'400':
description: Bad request - usually malformed message or header
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationProblemDetails'
'401':
description: Unauthorized - Invalid agency code provided
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationProblemDetails'
security:
- bearer: []
/Quotes/{id}:
get:
tags:
- Quotes
summary: ''
parameters:
- name: id
in: path
description: ''
required: true
schema:
type: string
format: uuid
responses:
'500':
description: Internal Server Error
'501':
description: Not Implemented
'502':
description: Bad Gateway
'503':
description: Service Unavailable
'504':
description: Gateway Timeout
'505':
description: HTTP Version Not Supported
'200':
description: Returns QuoteResponse object
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteResponse'
example:
referReasons:
- no ReferReasons
declineReasons:
- no DeclineReasons
namedInsured: MSF Hotdog LTD
insuredAddress:
line1: 40 W Littleton Blvd Ste 211
city: Beverly Hills
state: CA
zip: '90210'
agencyId: 08deba69-6031-5aea-a82b-ef00017ebf42
effectiveDate: '2026-05-30'
employersLiabilityLimits:
eachAccident: 1000000
eachEmployee: 1000000
eachPolicy: 1000000
quoteDate: '2026-05-25'
insuranceCompany: Insurance Company
classCodeQuotes:
- classCode: '2759'
description: BOX OR BOX SHOOK MFG
payroll: 300000
premium: 0
rate: 0.0
percentageOfPayroll: 0.0
stateQuotes:
- experienceModifierInput: 0.0
scheduleModifierFactor: 0.0
catastrophe: 30.0
classPremium: 30930.0
expenseConstant: 0.0
minimumPremium: 0
modifiedPremium: 0
policyTotalEstimatedCost: 29588.0
premiumDiscount: 200
scheduleModifier: 0.0
standardPremium: 0
subjectPremium: 0
totalTaxesAndAssessments: 0.0
terrorism: 90.0
totalEstimatedPremium: 29292.0
premiumDetails:
catastrophe: 13.0
classPremium: 1787.0
expenseConstant: 160.0
experienceModifier: 0.0
liabilityLimits: 120
minimumPremium: 1805
modifiedPremium: 2264
policyTotalEstimatedCost: 2081.0
premiumDiscount: 0
scheduleModifier: -453.0
standardPremium: 1811
subjectPremium: 2264
taxesAndAssessments:
- code: CAWCARF
description: Workers' Compensation Administration Revolving Fund
rate: 0.01704
premium: 34
totalTaxesAndAssessments: 70.0
terrorism: 27.0
totalEstimatedPremium: 2011.0
blanketWaiver: 0
specificWaiver: 0
territoryModifier: 357
installments:
full:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
monthly:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
quarterly:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
semiannual:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
isDirty: false
instantBindStatus: Unspecified
bindStatus: Quotable
'404':
description: Quote can't be found
content:
application/json:
schema:
$ref: '#/components/schemas/ProblemDetails'
security:
- bearer: []
put:
tags:
- Quotes
summary: ''
parameters:
- name: id
in: path
description: ''
required: true
schema:
type: string
format: uuid
- name: agencyCode
in: query
description: An optional query param to submit an AgencyCode in addition to the IdToken
schema:
type: string
requestBody:
description: QuoteRequestPost
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteRequestPut'
responses:
'500':
description: Internal Server Error
'501':
description: Not Implemented
'502':
description: Bad Gateway
'503':
description: Service Unavailable
'504':
description: Gateway Timeout
'505':
description: HTTP Version Not Supported
'201':
description: Created
content:
application/json:
schema:
$ref: '#/components/schemas/QuoteResponse'
example:
referReasons:
- no ReferReasons
declineReasons:
- no DeclineReasons
namedInsured: MSF Hotdog LTD
insuredAddress:
line1: 40 W Littleton Blvd Ste 211
city: Beverly Hills
state: CA
zip: '90210'
agencyId: 08deba69-6031-f46c-a82b-ef00017ebf44
effectiveDate: '2026-05-30'
employersLiabilityLimits:
eachAccident: 1000000
eachEmployee: 1000000
eachPolicy: 1000000
quoteDate: '2026-05-25'
insuranceCompany: Insurance Company
classCodeQuotes:
- classCode: '2759'
description: BOX OR BOX SHOOK MFG
payroll: 300000
premium: 0
rate: 0.0
percentageOfPayroll: 0.0
stateQuotes:
- experienceModifierInput: 0.0
scheduleModifierFactor: 0.0
catastrophe: 30.0
classPremium: 30930.0
expenseConstant: 0.0
minimumPremium: 0
modifiedPremium: 0
policyTotalEstimatedCost: 29588.0
premiumDiscount: 200
scheduleModifier: 0.0
standardPremium: 0
subjectPremium: 0
totalTaxesAndAssessments: 0.0
terrorism: 90.0
totalEstimatedPremium: 29292.0
premiumDetails:
catastrophe: 13.0
classPremium: 1787.0
expenseConstant: 160.0
experienceModifier: 0.0
liabilityLimits: 120
minimumPremium: 1805
modifiedPremium: 2264
policyTotalEstimatedCost: 2081.0
premiumDiscount: 0
scheduleModifier: -453.0
standardPremium: 1811
subjectPremium: 2264
taxesAndAssessments:
- code: CAWCARF
description: Workers' Compensation Administration Revolving Fund
rate: 0.01704
premium: 34
totalTaxesAndAssessments: 70.0
terrorism: 27.0
totalEstimatedPremium: 2011.0
blanketWaiver: 0
specificWaiver: 0
territoryModifier: 357
installments:
full:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
monthly:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
quarterly:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
semiannual:
'2026-05-30':
premiumAmount: 2011
surchargeAmount: 70
totalAmount: 2081
isDirty: false
instantBindStatus: Unspecified
bindStatus: Quotable
'400':
description: Bad request - usually malformed message or header
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationProblemDetails'
'401':
description: Unauthorized - Invalid agency code provided
content:
application/json:
schema:
$ref: '#/components/schemas/ValidationProblemDetails'
'404':
description: Quote can't be found
content:
application/json:
schema:
$ref: '#/components/schemas/ProblemDetails'
'200':
description: Returns QuoteResponse object
security:
- bearer: []
components:
schemas:
ClassCodeQuote:
required:
- classCode
- description
- payroll
- percentageOfPayroll
- premium
- rate
- state
type: object
properties:
classCode:
type: string
description:
type: string
payroll:
type: integer
format: int32
state:
type: string
premium:
type: integer
format: int32
rate:
type: number
format: double
percentageOfPayroll:
type: number
format: double
additionalProperties: false
ContactTypes:
enum:
- Accounting
- Claims
- Inspection
- Client
- Other
type: string
Countries:
enum:
- US
- USA
type: string
States:
enum:
- AL
- AK
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OK
- OH
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
- CW
type: string
QuoteResponse:
required:
- agencyId
- classCodeQuotes
- effectiveDate
- employersLiabilityLimits
- installments
- insuranceCompany
- insuredAddress
- namedInsured
- premiumDetails
- quoteDate
- stateQuotes
type: object
properties:
referReasons:
type: array
items:
type: string
nullable: true
declineReasons:
type: array
items:
type: string
nullable: true
namedInsured:
type: string
insuredAddress:
$ref: '#/components/schemas/BusinessAddress'
agencyId:
type: string
format: uuid
effectiveDate:
type: string
employersLiabilityLimits:
$ref: '#/components/schemas/EmployersLiabilityLimits'
quoteDate:
type: string
insuranceCompany:
type: string
classCodeQuotes:
type: array
items:
$ref: '#/components/schemas/ClassCodeQuote'
stateQuotes:
type: array
items:
$ref: '#/components/schemas/StateQuote'
primaryStateQuotes:
type: array
items:
$ref: '#/components/schemas/StateQuote'
nullable: true
premiumDetails:
$ref: '#/components/schemas/PremiumDetails'
installments:
type: object
properties:
full:
type: object
additionalProperties:
$ref: '#/components/schemas/Payment'
semiannual:
type: object
additionalProperties:
$ref: '#/components/schemas/Payment'
quarterly:
type: object
additionalProperties:
$ref: '#/components/schemas/Payment'
monthly:
type: object
additionalProperties:
$ref: '#/components/schemas/Payment'
additionalProperties: false
isDirty:
type: boolean
warningMessage:
type: string
nullable: true
contacts:
type: array
items:
$ref: '#/components/schemas/Contact'
nullable: true
instantBindStatus:
$ref: '#/components/schemas/InstantBindStatus'
bindStatus:
$ref: '#/components/schemas/BindStatus'
additionalProperties: false
ValidationProblemDetails:
type: object
properties:
errors:
type: object
additionalProperties:
type: array
items:
type: string
nullable: true
type:
type: string
nullable: true
title:
type: string
nullable: true
status:
type: integer
format: int32
nullable: true
detail:
type: string
nullable: true
instance:
type: string
nullable: true
extensions:
type: object
additionalProperties:
nullable: true
nullable: true
additionalProperties: false
NotCoveredReason:
enum:
- NonPayment
- AuditNonCompliance
- NoEmployees
- Other
- NewBusiness
type: string
WorkCompPolicyPost:
title: WorkCompPolicy
type: object
properties:
currentlyCovered:
type: boolean
description: Are you currently covered by Worker's Compensation Policy if false then supply a reason
nullable: true
notCurrentlyCoveredReason:
$ref: '#/components/schemas/NotCoveredReason'
notCurrentlyCoveredDescription:
type: string
description: Provide description when notCurrentlyCoveredReason is ‘Other’ or when there is additional lapse information available.
nullable: true
legalEntities:
type: array
items:
$ref: '#/components/schemas/QuoteLegalEntityPost'
description: Only 1 legal entity is allowed
nullable: true
employersLiability:
$ref: '#/components/schemas/EmployersLiabilityLimitsPost'
priorCarriers:
type: array
items:
$ref: '#/components/schemas/PriorCarrierPost'
nullable: true
additionalProperties: false
QuoteDeclineResponse:
type: object
properties:
declineReasons:
type: array
items:
type: string
nullable: true
bindStatus:
$ref: '#/components/schemas/BindStatus'
additionalProperties: false
StateQuote:
required:
- catastrophe
- classPremium
- expenseConstant
- experienceModifier
- experienceModifierInput
- minimumPremium
- modifiedPremium
- policyTotalEstimatedCost
- premiumDiscount
- scheduleModifier
- scheduleModifierFactor
- standardPremium
- state
- subjectPremium
- taxesAndAssessments
- territoryModifier
- terrorism
- totalEstimatedPremium
- totalTaxesAndAssessments
type: object
properties:
catastropheRate:
type: number
format: double
nullable: true
deductible:
type: integer
format: int32
nullable: true
experienceModifierInput:
type: number
format: double
scheduleModifierFactor:
type: number
format: double
state:
type: string
terrorismRiskInsuranceAct:
type: number
format: double
nullable: true
premiumDiscountRate:
type: number
format: double
nullable: true
territoryModifierFactor:
type: number
format: double
nullable: true
balanceToMinimumPremium:
type: integer
format: int32
nullable: true
dividendFactor:
type: number
format: double
nullable: true
catastrophe:
type: number
format: double
classPremium:
type: number
format: double
expenseConstant:
type: number
format: double
experienceModifier:
type: number
format: double
liabilityLimits:
type: integer
format: int32
nullable: true
minimumPremium:
type: integer
format: int32
modifiedPremium:
type: integer
format: int32
policyTotalEstimatedCost:
type: number
format: double
premiumDiscount:
type: integer
format: int32
scheduleModifier:
type: number
format: double
standardPremium:
type: integer
format: int32
subjectPremium:
type: integer
format: int32
taxesAndAssessments:
type: array
items:
$ref: '#/components/schemas/TaxDetails'
totalTaxesAndAssessments:
type: number
format: double
terrorism:
type: number
format: double
totalEstimatedPremium:
type: number
format: double
blanketWaiver:
type: integer
format: int32
nullable: true
specificWaiver:
type: integer
format: int32
nullable: true
territoryModifier:
type: integer
format: int32
additionalProperties: false
TaxDetails:
type: object
properties:
code:
type: string
nullable: true
description:
type: string
nullable: true
rate:
type: number
format: double
premium:
type: integer
format: int32
additionalProperties: false
QuoteExposurePost:
title: Exposure
type: object
properties:
class:
type: string
description: "Subclasses not currently accepted\n \n Must be integer with 1-4 digits"
nullable: true
payroll:
type: integer
description: Valid range is >= 0 and less than 1,000,000,000
format: int32
nullable: true
additionalProperties: false
InstantBindStatus:
enum:
- Unspecified
- Ineligible
- Eligible
- Pending
- Failed
- Succeeded
type: string
BusinessAddress:
type: object
properties:
line1:
type: string
nullable: true
line2:
type: string
nullable: true
city:
type: string
nullable: true
state:
type: string
nullable: true
zip:
type: string
nullable: true
county:
type: string
nullable: true
country:
type: string
nullable: true
latitude:
type: number
format: double
nullable: true
longitude:
type: number
format: double
nullable: true
additionalProperties: false
PriorCarrierPost:
title: PriorCarrier
required:
- effectiveDate
- expirationDate
- lapseInPeriod
type: object
properties:
name:
type: string
nullable: true
effectiveDate:
type: string
description: Format YYYY-MM-DD
format: date
expirationDate:
type: string
description: Format YYYY-MM-DD
format: date
lapseInPeriod:
type: boolean
description: Was there a lapse in coverage
lapseReason:
$ref: '#/components/schemas/LapseReason'
lapseReasonDescription:
type: string
description: Provide description when lapseReason is ‘Other’ or when there is additional lapse information available.
nullable: true
policyNumber:
type: string
nullable: true
modificationFactor:
type: number
description: Must be decimal number >= 0.1 and less than 10.0
nullable: true
totalPremium:
type: number
description: 'Must be number with no more than 2 decimal places
e.g. xxx.yy'
nullable: true
nonZeroClaimCount:
type: integer
description: 'The number of claims where the total payout was greater than zero.
Must be integer >= 0 and less than or equal to 255'
format: int32
zeroClaimCount:
type: integer
description: 'The number of claims where the total payout equals zero.
Must be integer >= 0 and less than or equal to 255'
fo
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# Full source: https://raw.githubusercontent.com/api-evangelist/pie-insurance/refs/heads/main/openapi/pie-insurance-quotes-api-openapi.yml