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