Branch

aid: branch-insurance
name: Branch
description: Branch is a Columbus, Ohio insurtech that bundles home and auto insurance (with optional umbrella coverage) and
  issues policies in seconds from just a name and address. The company operates as Branch Insurance Exchange, a reciprocal
  insurer, plus the managing General Branch Agency / Branch Financial, Inc. holding company, and originally targeted direct-to-consumer
  customers with a quote-and-bind flow that prefills rating data from public sources. Branch raised a $147M Series C at a
  $1.05B valuation in 2022 (Weatherford Capital, Acrew Capital, Anthemis, Cherry Creek Holdings, Greycroft, HSCM Bermuda,
  AmFam Ventures, others), partnered with SimpliSafe (home security bundle) and ADT, and runs an embedded "Quote to Bind"
  GraphQL API used by affinity partners (mortgage originators, lenders, aggregators) to embed home + auto quotes inside their
  own apps. The Quote to Bind v2 GraphQL API (https://docs.v2.api.ourbranch.com) exposes requestQuoteV2, recalculateQuoteV2,
  addCar, addDriver, requestBind, getOffer, enhancedGetOffer, getBoundPoliciesByOfferId, getPolicyDocuments, and getOfferPDF,
  plus optional webhook / SFTP / S3 postbacks for bind and document-signed events. Partners authenticate with an API key in
  the Authorization header and an x-affinity-code header when responsible for multiple agencies, and may either run the whole
  flow via the API or hand customers off to ourbranch.com / staff.ourbranch.com for customize / review / checkout / sign-documents
  steps. A staging endpoint at https://staging.v2.api.ourbranch.com mirrors production with shared test users and payment
  methods. Branch operates in roughly two dozen US states including Ohio, Texas, Illinois, Arizona, Missouri, and others,
  and emphasises community-discount pricing, a community pledge / giveback program, and B Corp certification (2023). There
  is no public OpenAPI specification — the API is GraphQL-only and the schema is browsable on Apollo Studio (studio.apollographql.com/public/Branch-Quote-to-Bind-Staging)
  with an API key.
type: Index
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Home Insurance
- Auto Insurance
- Umbrella Insurance
- Bundled Insurance
- Insurtech
- Reciprocal Exchange
- Embedded Insurance
- Quote to Bind
- GraphQL
- Partner API
- Affinity
- Mortgage
- Columbus Ohio
url: https://raw.githubusercontent.com/api-evangelist/branch-insurance/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.20'
apis:
- aid: branch-insurance:branch-quote-to-bind-api
  name: Branch Quote to Bind API
  description: Branch's Quote to Bind GraphQL API exposes everything an affinity partner needs to go from initial quote to
    final purchase of Branch home + auto (and optional umbrella) insurance without leaving their platform. Partners authenticate
    with an API key in the Authorization header and (when acting on behalf of multiple agencies) an x-affinity-code header.
    The typical end-to-end flow is requestQuoteV2 -> recalculateQuoteV2 / addCar / addDriver -> requestBind, after which the
    offer becomes a bound policy retrievable via getBoundPoliciesByOfferId and getPolicyDocuments. Offers are immutable —
    any modification produces a new offer ID, and all prior versions remain queryable via getOffer. Partners may complete
    the entire purchase flow via the API or hand the customer off to ourbranch.com at any step (customize, review, checkout,
    sign-documents) and retain attribution. Policy-bound and documents-signed notifications are offered via webhook (instant)
    or scheduled CSV reporting to SFTP / S3. "Enhanced" calls (enhancedGetOffer etc.) return additional data such as driver
    date of birth and require enhanced-data access. A staging endpoint at https://staging.v2.api.ourbranch.com mirrors production
    with a shared test-user universe.
  humanURL: https://docs.v2.api.ourbranch.com/
  baseURL: https://api.ourbranch.com/
  tags:
  - Insurance
  - Home Insurance
  - Auto Insurance
  - Umbrella Insurance
  - Quote
  - Bind
  - Policy
  - GraphQL
  - Embedded Insurance
  - Partner API
  properties:
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/request-quote-v2
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/recalculate-quote-v2
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/example-calls
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/lookups-json
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/error-and-offering-codes-table
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/coverages-table
  - type: Documentation
    url: https://docs.v2.api.ourbranch.com/timeouts
  - type: Sandbox
    url: https://staging.v2.api.ourbranch.com
  - type: Sandbox
    url: https://studio.apollographql.com/public/Branch-Quote-to-Bind-Staging/explorer?variant=current
  - type: Authentication
    url: https://docs.v2.api.ourbranch.com/#api-key-authorization
  - type: Webhooks
    url: https://docs.v2.api.ourbranch.com/#policy-bound--documents-signed-notifications-and-reporting
  - type: Support
    url: mailto:api@ourbranch.com
  - url: graphql/branch-insurance-graphql.md
    type: GraphQL
common:
- type: Website
  url: https://www.ourbranch.com/
- type: Portal
  url: https://docs.v2.api.ourbranch.com/
- type: Signup
  url: https://www.ourbranch.com/
- type: GettingStarted
  url: https://docs.v2.api.ourbranch.com/
- type: Sandbox
  url: https://studio.apollographql.com/public/Branch-Quote-to-Bind-Staging/explorer?variant=current
- type: About
  url: https://www.ourbranch.com/s/about
- type: Press
  url: https://www.ourbranch.com/s/press
- type: Blog
  url: https://www.ourbranch.com/s/blog
- type: Careers
  url: https://www.ourbranch.com/s/careers
- type: Claims
  url: https://www.ourbranch.com/s/claims
- type: AvailableStates
  url: https://www.ourbranch.com/s/available-states
- type: CommunityPledge
  url: https://www.ourbranch.com/s/community-pledge
- type: CommunityDiscount
  url: https://www.ourbranch.com/s/my-community-discount
- type: PrivacyPolicy
  url: https://www.ourbranch.com/s/blog/privacy-policy
- type: TermsOfService
  url: https://www.ourbranch.com/s/blog/terms-of-use
- type: Partner
  url: https://www.ourbranch.com/s/blog/partner_with_branch
  name: Partner with Branch
- type: Documentation
  url: https://www.ourbranch.com/s/blog/branch_insurance_exchange
  name: Branch Insurance Exchange (reciprocal carrier)
- type: Support
  url: mailto:api@ourbranch.com
  name: Branch API support
- type: LinkedIn
  url: https://www.linkedin.com/company/ourbranch
- type: Twitter
  url: https://twitter.com/ourbranch
- type: GitHubOrganization
  url: https://github.com/OurBranch
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com