QBE Insurance · Schema
AuthPoliciesPolicyIdReferPost200ApplicationJsonResponse
InsuranceAustraliaProperty and CasualtyCommercial InsuranceUnderwritingPolicy AdministrationQuotesReinsuranceCarrierPartner API
JSON Schema
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "https://raw.githubusercontent.com/api-evangelist/qbe/main/json-schema/qbe-auth-policies-policy-id-refer-post200-application-json-response-schema.json",
"title": "AuthPoliciesPolicyIdReferPost200ApplicationJsonResponse",
"x-generated": "2026-10-20",
"x-method": "derived",
"x-generator": "derive-json-schema.py",
"x-source": "openapi/qbe-digital-brokers-api-openapi.yml#/components/schemas/AuthPoliciesPolicyIdReferPost200ApplicationJsonResponse",
"x-amf-examples": {
"BPK Fire & Business Interruption Response Example": {
"messageMetadata": {
"messageHeader": {
"messageDate": "2022-03-30T02:51:55Z",
"status": "SUCCESS"
},
"transactionInformation": {
"identifier": "A1BPK871212"
}
},
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2021-05-21",
"effectiveDate": "2021-05-21",
"expiryDate": "2021-06-03",
"quoteExpiryDate": "2021-06-03",
"transactionMode": "",
"product": "BPK",
"returnStatusInResponse": false,
"partialDeclineAllowed": false,
"terminateRisksNotPassed": false,
"policyNumber": "A1BPK871212"
},
"subProductCd": "B",
"sourceOfBusinessCode": "",
"variableCommRate": 0
},
"customerParty": {
"firstName": "",
"lastName": "ORGTEST",
"taxIndicator": "N",
"taxPercent": 0,
"orgName": "OrgTest",
"contact": {
"primaryEmailAddress": "",
"workPhoneNumber": "",
"homePhoneNumber": ""
},
"location": {
"addressLine1": "24 LUX STREET",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
}
},
"risks": [
{
"partnerId": "location-a",
"riskNumber": 0,
"riskReferenceId": "1001",
"riskClassCode": "BFP",
"riskMode": "A",
"riskAttachmentDate": "2021-05-21T12:00:00Z",
"riskEffectiveDate": "2021-05-21T12:00:00Z",
"clauses": [
{
"clauseWording": [
{
"riskClass": "BFP",
"premiumClass": "PROPERTY",
"clauseCode": "BFPB10",
"clauseDescription": "SPRINKLER INSTALLATIONS-OWNED PREMI",
"clauseWordingLines": [
{
"wording": ""
},
{
"wording": "Sprinkler Installations - Applicable to Owned Premises or"
},
{
"wording": "Installations for which the Insured is Responsible"
},
{
"wording": "The Insured warrants that in such of the Buildings as are protected or"
},
{
"wording": "as required by law to be protected by an approved installation of"
},
{
"wording": "automatic sprinklers, automatic external alarm signal and automatic"
},
{
"wording": "alarm signal connected with the fire brigade station, in or on the"
},
{
"wording": "premises, due diligence shall be used so that the same shall at all"
},
{
"wording": "times be maintained in good working order."
},
{
"wording": "The Insured further warrants that provision will be made for the"
},
{
"wording": "regular maintenance of the installation in accordance with Australian"
},
{
"wording": "Standards AS1851 Part 3 Automatic Sprinkler Installation by the"
},
{
"wording": "installing engineers or firm or, failing this, by a person or"
},
{
"wording": "organisation who must be approved by Us to carry out such maintenance."
},
{
"wording": "Notice of all alterations and additions to the automatic sprinkler"
},
{
"wording": "installation shall be given by the Insured to Us as soon as reasonably"
},
{
"wording": "practicable."
}
]
}
]
}
],
"location": {
"partnerId": "location-a",
"situationNumber": "1",
"situationLocated": "",
"situationTurnover": 0,
"primaryLocation": false,
"addressLine1": "24 Lux Street",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000",
"gnaf": ""
},
"premium": {
"premiumClass": [
{
"classType": "PROPERTY",
"FAPPremium": {
"premium": 271.38,
"GST": 0,
"FSL": 73.27,
"brokerFee": 0,
"duty": 31.01,
"totalPremium": 375.66,
"agentComm": 70.55,
"agentCommRate": 26,
"agentCommGST": 0
},
"totalPostedToDatePremium": {
"premium": 9.67,
"GST": 0,
"FSL": 2.61,
"brokerFee": 0,
"duty": 1.1,
"totalPremium": 13.38,
"agentComm": 2.51,
"agentCommRate": 26,
"agentCommGST": 0
},
"transactionPremium": {
"premium": 9.67,
"GST": 0,
"FSL": 2.61,
"brokerFee": 0,
"duty": 1.1,
"totalPremium": 13.38,
"agentComm": 2.51,
"agentCommRate": 26,
"agentCommGST": 0
}
},
{
"classType": "BUSINESS_INTERRUPTION",
"FAPPremium": {
"premium": 95.69,
"GST": 0,
"FSL": 25.83,
"brokerFee": 0,
"duty": 10.93,
"totalPremium": 132.45,
"agentComm": 24.87,
"agentCommRate": 26,
"agentCommGST": 0
},
"totalPostedToDatePremium": {
"premium": 3.41,
"GST": 0,
"FSL": 0.92,
"brokerFee": 0,
"duty": 0.38,
"totalPremium": 4.71,
"agentComm": 0.88,
"agentCommRate": 26,
"agentCommGST": 0
},
"transactionPremium": {
"premium": 3.41,
"GST": 0,
"FSL": 0.92,
"brokerFee": 0,
"duty": 0.38,
"totalPremium": 4.71,
"agentComm": 0.88,
"agentCommRate": 26,
"agentCommGST": 0
}
},
{
"classType": "TOT",
"FAPPremium": {
"premium": 367.07,
"GST": 0,
"FSL": 99.1,
"brokerFee": 0,
"duty": 41.94,
"totalPremium": 508.11,
"agentComm": 95.42,
"agentCommRate": 26,
"agentCommGST": 0
},
"totalPostedToDatePremium": {
"premium": 13.08,
"GST": 0,
"FSL": 3.53,
"brokerFee": 0,
"duty": 1.48,
"totalPremium": 18.09,
"agentComm": 3.39,
"agentCommRate": 25.9,
"agentCommGST": 0
},
"transactionPremium": {
"premium": 13.08,
"GST": 0,
"FSL": 3.53,
"brokerFee": 0,
"duty": 1.48,
"totalPremium": 18.09,
"agentComm": 3.39,
"agentCommRate": 25.9,
"agentCommGST": 0
}
}
]
},
"riskDetail": {
"riskBPKFireBusinessInterruption": {
"occupationCode": "573045",
"occupationDescription": "Cafe Operation",
"business": "Cafe Operation",
"fire": {
"construction": "3",
"yearBuilt": "2010",
"sprinkler": "Y",
"townWater": "Y",
"buildingSI": 0,
"buildingExcess": 0,
"contentsSI": 87500,
"contentsExcess": 250,
"ADBuildingSI": 0,
"ADBuildingExcess": 0,
"ADContentsSI": 0,
"ADContentsExcess": 0
},
"businessInterruption": {
"indemnityPeriod": "24",
"grossIncomeSI": 70000,
"grossIncomeExcess": 250,
"ICOWSI": 25000,
"payrollSI": 0,
"weeklyIncomeSI": 0,
"weeksCovered": 0,
"claimsPreparationCosts": "10000",
"OSAcctRecSI": 7500,
"OSAcctRecExcess": 250
}
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {}
},
{
"questionId": "2",
"answer": {}
},
{
"questionId": "3",
"answer": {}
},
{
"questionId": "4",
"answer": {}
},
{
"questionId": "5",
"answer": {}
},
{
"questionId": "6",
"answer": {}
},
{
"questionId": "7",
"answer": {}
},
{
"questionId": "8",
"answer": {}
},
{
"questionId": "9",
"answer": {}
},
{
"questionId": "10",
"answer": {}
},
{
"questionId": "11",
"answer": {}
},
{
"questionId": "12",
"answer": {}
},
{
"questionId": "13",
"answer": {}
},
{
"questionId": "14",
"answer": {}
},
{
"questionId": "15",
"answer": {}
},
{
"questionId": "16",
"answer": {}
},
{
"questionId": "17",
"answer": {}
},
{
"questionId": "18",
"answer": {}
},
{
"questionId": "19",
"answer": {}
},
{
"questionId": "20",
"answer": {}
}
],
"policyPremium": {
"FAPPremium": {
"premium": 367.07,
"GST": 0,
"FSL": 99.1,
"brokerFee": 0,
"duty": 41.94,
"totalPremium": 508.11,
"agentComm": 95.42,
"agentCommRate": 26,
"agentCommGST": 0
},
"totalPostedToDatePremium": {
"premium": 13.08,
"GST": 0,
"FSL": 3.53,
"brokerFee": 0,
"duty": 1.48,
"totalPremium": 18.09,
"agentComm": 3.39,
"agentCommRate": 25.9,
"agentCommGST": 0
},
"transactionPremium": {
"premium": 13.08,
"GST": 0,
"FSL": 3.53,
"brokerFee": 0,
"duty": 1.48,
"totalPremium": 18.09,
"agentComm": 3.39,
"agentCommRate": 25.9,
"agentCommGST": 0
}
}
}
},
"BPK Theft, Money & Glass Response Example": {
"messageMetadata": {
"messageHeader": {
"messageDate": "2022-03-30T02:51:55Z",
"status": "SUCCESS"
},
"transactionInformation": {
"identifier": "A1BPK871212"
}
},
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2021-05-21",
"effectiveDate": "2021-05-21",
"expiryDate": "2021-06-05",
"quoteExpiryDate": "2021-06-05",
"transactionMode": "",
"product": "BPK",
"policyNumber": "A1BPK871212",
"returnStatusInResponse": false,
"partialDeclineAllowed": false,
"terminateRisksNotPassed": false
},
"subProductCd": "B",
"sourceOfBusinessCode": "",
"variableCommRate": 0
},
"customerParty": {
"firstName": "Allan",
"lastName": "James",
"taxIndicator": "N",
"taxPercent": 0,
"orgName": "AllanCo",
"contact": {
"primaryEmailAddress": "",
"workPhoneNumber": "",
"homePhoneNumber": ""
},
"location": {
"addressLine1": "24 LUX STREET",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
}
},
"risks": [
{
"partnerId": "location-a",
"riskNumber": 0,
"riskReferenceId": "1001",
"riskClassCode": "BPO",
"riskMode": "A",
"riskAttachmentDate": "2021-05-21T12:00:00Z",
"riskEffectiveDate": "2021-05-21T12:00:00Z",
"location": {
"partnerId": "location-a",
"situationNumber": "1",
"situationLocated": "",
"situationTurnover": 0,
"primaryLocation": false,
"addressLine1": "24 Lux Street",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
},
"premium": {
"premiumClass": [
{
"classType": "THEFT",
"FAPPremium": {
"premium": 127.59,
"GST": 12.76,
"FSL": 0,
"brokerFee": 0,
"duty": 12.63,
"totalPremium": 152.98,
"agentComm": 33.17,
"agentCommRate": 26,
"agentCommGST": 3.32
},
"totalPostedToDatePremium": {
"premium": 5.24,
"GST": 0.52,
"FSL": 0,
"brokerFee": 0,
"duty": 0.51,
"totalPremium": 6.27,
"agentComm": 1.36,
"agentCommRate": 26,
"agentCommGST": 0.14
},
"transactionPremium": {
"premium": 5.24,
"GST": 0.52,
"FSL": 0,
"brokerFee": 0,
"duty": 0.51,
"totalPremium": 6.27,
"agentComm": 1.36,
"agentCommRate": 26,
"agentCommGST": 0.14
}
},
{
"classType": "MONEY",
"FAPPremium": {
"premium": 114.19,
"GST": 11.42,
"FSL": 0,
"brokerFee": 0,
"duty": 11.3,
"totalPremium": 136.91,
"agentComm": 29.68,
"agentCommRate": 26,
"agentCommGST": 2.97
},
"totalPostedToDatePremium": {
"premium": 4.69,
"GST": 0.47,
"FSL": 0,
"brokerFee": 0,
"duty": 0.46,
"totalPremium": 5.62,
"agentComm": 1.21,
"agentCommRate": 26,
"agentCommGST": 0.12
},
"transactionPremium": {
"premium": 4.69,
"GST": 0.47,
"FSL": 0,
"brokerFee": 0,
"duty": 0.46,
"totalPremium": 5.62,
"agentComm": 1.21,
"agentCommRate": 26,
"agentCommGST": 0.12
}
},
{
"classType": "GLASS",
"FAPPremium": {
"premium": 767.05,
"GST": 76.71,
"FSL": 0,
"brokerFee": 0,
"duty": 75.93,
"totalPremium": 919.69,
"agentComm": 199.43,
"agentCommRate": 26,
"agentCommGST": 19.94
},
"totalPostedToDatePremium": {
"premium": 31.52,
"GST": 3.15,
"FSL": 0,
"brokerFee": 0,
"duty": 3.12,
"totalPremium": 37.79,
"agentComm": 8.19,
"agentCommRate": 26,
"agentCommGST": 0.82
},
"transactionPremium": {
"premium": 31.52,
"GST": 3.15,
"FSL": 0,
"brokerFee": 0,
"duty": 3.12,
"totalPremium": 37.79,
"agentComm": 8.19,
"agentCommRate": 26,
"agentCommGST": 0.82
}
},
{
"classType": "TOT",
"FAPPremium": {
"premium": 1008.83,
"GST": 100.89,
"FSL": 0,
"brokerFee": 0,
"duty": 99.86,
"totalPremium": 1209.58,
"agentComm": 262.28,
"agentCommRate": 26,
"agentCommGST": 26.23
},
"totalPostedToDatePremium": {
"premium": 41.45,
"GST": 4.14,
"FSL": 0,
"brokerFee": 0,
"duty": 4.09,
"totalPremium": 49.68,
"agentComm": 10.76,
"agentCommRate": 26,
"agentCommGST": 1.08
},
"transactionPremium": {
"premium": 41.45,
"GST": 4.14,
"FSL": 0,
"brokerFee": 0,
"duty": 4.09,
"totalPremium": 49.68,
"agentComm": 10.76,
"agentCommRate": 26,
"agentCommGST": 1.08
}
}
]
},
"riskDetail": {
"riskBPKTheftMoneyGlass": {
"occupationCode": "573045",
"occupationDescription": "Cafe Operation",
"business": "Cafe Operation",
"governmentResidential": "N",
"theft": {
"contentsSI": 4000,
"theftExcess": 250,
"stockSI": 0,
"tobaccoSI": 0,
"liquorSI": 0,
"WOForcibleEntrySI": 0,
"security": "B",
"securityDesc": "D.Locks all ext doors & (Bars all windows or local alarm)"
},
"money": {
"inTransitSI": 1000,
"moneyExcess": 250,
"inResidenceSI": 1000,
"busHrsSI": 1000,
"afterHrsSI": 1000,
"inSafeSI": 1000,
"blanketCover": "N",
"blanketCoverDesc": "No",
"blanketCoverSI": 0
},
"glass": {
"numberIlluminatedSigns": "0",
"illuminatedSignsSI": 0,
"glassExcess": 250,
"largestPaneOfGlass": "B",
"largestPaneOfGlassDesc": "greater than 5 metre and less than 8sq metres"
}
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {}
},
{
"questionId": "2",
"answer": {}
},
{
"questionId": "3",
"answer": {}
},
{
"questionId": "4",
"answer": {}
},
{
"questionId": "5",
"answer": {}
},
{
"questionId": "6",
"answer": {}
},
{
"questionId": "7",
"answer": {}
},
{
"questionId": "8",
"answer": {}
},
{
"questionId": "9",
"answer": {}
},
{
"questionId": "10",
"answer": {}
},
{
"questionId": "11",
"answer": {}
},
{
"questionId": "12",
"answer": {}
},
{
"questionId": "13",
"answer": {}
},
{
"questionId": "14",
"answer": {}
},
{
"questionId": "15",
"answer": {}
},
{
"questionId": "16",
"answer": {}
},
{
"questionId": "17",
"answer": {}
},
{
"questionId": "18",
"answer": {}
},
{
"questionId": "19",
"answer": {}
},
{
"questionId": "20",
"answer": {}
}
],
"policyPremium": {
"FAPPremium": {
"premium": 1008.83,
"GST": 100.89,
"FSL": 0,
"brokerFee": 0,
"duty": 99.86,
"totalPremium": 1209.58,
"agentComm": 262.28,
"agentCommRate": 26,
"agentCommGST": 26.23
},
"totalPostedToDatePremium": {
"premium": 41.45,
"GST": 4.14,
"FSL": 0,
"brokerFee": 0,
"duty": 4.09,
"totalPremium": 49.68,
"agentComm": 10.76,
"agentCommRate": 26,
"agentCommGST": 1.08
},
"transactionPremium": {
"premium": 41.45,
"GST": 4.14,
"FSL": 0,
"brokerFee": 0,
"duty": 4.09,
"totalPremium": 49.68,
"agentComm": 10.76,
"agentCommRate": 26,
"agentCommGST": 1.08
}
}
}
},
"BPK Liability Response Example": {
"messageMetadata": {
"messageHeader": {
"messageDate": "2022-03-30T02:51:55Z",
"status": "SUCCESS"
},
"transactionInformation": {
"identifier": "ABPK871212"
}
},
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2020-11-16",
"effectiveDate": "2020-11-16",
"expiryDate": "2021-06-02",
"quoteExpiryDate": "2021-06-02",
"transactionMode": "",
"product": "BPK",
"policyNumber": "ABPK871212",
"accountNumber": "36-D",
"returnStatusInResponse": false,
"partialDeclineAllowed": false,
"terminateRisksNotPassed": false
},
"subProductCd": "B",
"sourceOfBusinessCode": "",
"variableCommRate": "0.00"
},
"customerParty": {
"firstName": "",
"lastName": "ORGTEST",
"taxIndicator": "N",
"taxPercent": 0,
"orgName": "OrgTest",
"contact": {
"primaryEmailAddress": "",
"workPhoneNumber": "",
"homePhoneNumber": ""
},
"location": {
"addressLine1": "24 LUX STREET",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
}
},
"risks": [
{
"partnerId": "location-a",
"riskNumber": 0,
"riskReferenceId": "1001",
"riskClassCode": "BPP",
"riskMode": "A",
"riskAttachmentDate": "2020-11-16T12:00:00Z",
"riskEffectiveDate": "2020-11-16T12:00:00Z",
"clauses": [
{
"clauseWording": [
{
"riskClass": "BPP",
"premiumClass": "LIABILITY",
"clauseCode": "BPPB45",
"clauseDescription": "PROPERTY DAMAGE TO FIXED PROPERTY",
"clauseWordingLines": [
{
"wording": "."
},
{
"wording": "B45: Property Damage to Fixed Property"
},
{
"wording": "The Broadform Liability Section of this Policy does not cover"
},
{
"wording": "liability in respect of damage to or as a result of damage to roads,"
},
{
"wording": "sewers, water pipes, gas pipes, electric, fibre optic or telecommuni-"
},
{
"wording": "cations wires or cables or their supports or to any land or fixed"
},
{
"wording": "property whatsoever and/or the contents thereof unless You have"
},
{
"wording": "ascertained from the relevant authorities the actual position of any"
},
{
"wording": "such pipes, mains, cables and wires before commencing any operation."
}
]
},
{
"riskClass": "BPP",
"premiumClass": "LIABILITY",
"clauseCode": "BPPB73",
"clauseDescription": "EXCESS FOR UNDERGROUND SERVICES",
"clauseWordingLines": [
{
"wording": "."
},
{
"wording": "B73: EXCESS FOR UNDERGROUND SERVICES"
},
{
"wording": "Endorsements forming part of Broadform Liability Section"
},
{
"wording": "Claims in respect of Property Damage to roads ,sewers, water pipes,"
},
{
"wording": "gas pipes, electric, fibre optic or telecommunications wires or cables"
},
{
"wording": "or their supports or to any fixed property whatsoever and/or Contents"
},
{
"wording": "thereof are subject to an Excess of $500."
}
]
},
{
"riskClass": "BPP",
"premiumClass": "LIABILITY",
"clauseCode": "BPPG56",
"clauseDescription": "REMOVAL/WEAKENING OF SUPPORTS",
"clauseWordingLines": [
{
"wording": "."
},
{
"wording": "G56: REMOVAL/WEAKENING OF SUPPORTS"
},
{
"wording": "The Broadform Liability Section of this Policy does not cover"
},
{
"wording": "liability in respect of damage to any land or fixed property arising"
},
{
"wording": "directly or indirectly from the removal or weakening of or"
},
{
"wording": "interference with support to land, buildings or any other property."
}
]
},
{
"riskClass": "BPP",
"premiumClass": "LIABILITY",
"clauseCode": "BPPP11",
"clauseDescription": "LABOUR HIRE EXCLUSION",
"clauseWordingLines": [
{
"wording": "CONTRACTOR, SUBCONTRACTOR AND LABOUR HIRE EXCLUSION"
},
{
"wording": "The Broadform Liability section of this policy does not cover"
},
{
"wording": "liability caused by, contributed to by, or arising from injury to any"
},
{
"wording": "contractor or subcontractor or labour hire personnel of the insured,"
},
{
"wording": "or employee of any contractor or subcontractor of the insured whilst"
},
{
"wording": "such employee or contractor or subcontractor or labour hire personnel"
},
{
"wording": "is acting in such capacity."
},
{
"wording": "For the purpose of this exclusion a:"
},
{
"wording": "1. labour hire person is a person who is:"
},
{
"wording": "a. employed by a labour hire provider; or"
},
{
"wording": "b. contracted as an apprentice by a labour hire provider;"
},
{
"wording": "and you have contracted with the labour hire provider to use the"
},
{
"wording": "services of the labour hire person."
},
{
"wording": "2. labour hire provider is a person or orga
# --- truncated at 32 KB (49 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/qbe/refs/heads/main/json-schema/qbe-auth-policies-policy-id-refer-post200-application-json-response-schema.json
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