QBE Insurance · Schema
AuthQuotesPost201ApplicationJsonResponse
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-quotes-post201-application-json-response-schema.json",
"title": "AuthQuotesPost201ApplicationJsonResponse",
"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/AuthQuotesPost201ApplicationJsonResponse",
"x-amf-examples": {
"Referral Response Example": {
"messageMetadata": {
"messageHeader": {
"messageDate": "2022-03-30T03:00:21Z",
"status": "SUCCESS"
},
"transactionInformation": {
"identifier": "Q609732BPK"
}
},
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2021-05-24",
"effectiveDate": "2021-05-24",
"expiryDate": "2021-06-02",
"quoteExpiryDate": "2021-06-02",
"transactionMode": "",
"product": "BPK",
"quoteNumber": "Q609732BPK",
"returnStatusInResponse": false,
"partialDeclineAllowed": false,
"terminateRisksNotPassed": false,
"policyStatus": "REFER_REQUIRED",
"policyMessageStatus": "Policy Referral Required",
"extendedStatus": [
{
"status": "REFER",
"message": "Refer due to short term New Business/Renewal"
}
]
},
"subProductCd": "B",
"sourceOfBusinessCode": "",
"variableCommRate": "0.00"
},
"customerParty": {
"firstName": "",
"lastName": "LUCIFER",
"taxIndicator": "N",
"taxPercent": 0,
"orgName": "Lucifer",
"contact": {
"primaryEmailAddress": "",
"workPhoneNumber": "",
"homePhoneNumber": ""
},
"location": {
"addressLine1": "24 LUX STREET",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
}
},
"risks": [
{
"partnerId": "Loc1",
"riskNumber": 0,
"riskReferenceId": "1001",
"riskClassCode": "BPP",
"riskMode": "A",
"riskAttachmentDate": "2021-05-24T12:00:00Z",
"riskEffectiveDate": "2021-05-24T12:00:00Z",
"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 organisation that contracts"
},
{
"wording": "out the services of their employees and or apprentices to you."
}
]
},
{
"riskClass": "BPP",
"premiumClass": "LIABILITY",
"clauseCode": "BPPSBE",
"clauseDescription": "SMALL BUSINESS NSW STAMP DUTY",
"clauseWordingLines": [
{
"wording": "We have been advised a NSW Small Business Stamp Duty declaration has"
},
{
"wording": "been completed. The Small Business premium is exempt from NSW Stamp"
},
{
"wording": "Duty charges."
}
]
}
]
}
],
"location": {
"partnerId": "Loc1",
"situationNumber": "1",
"situationLocated": "",
"situationTurnover": 0,
"primaryLocation": false,
"addressLine1": "24 Lux Street",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
},
"premium": {
"premiumClass": [
{
"classType": "LIABILITY",
"FAPPremium": {
"premium": 3938.94,
"GST": 393.89,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 4332.83,
"agentComm": 1024.12,
"agentCommRate": 26,
"agentCommGST": 102.41
},
"totalPostedToDatePremium": {
"premium": 97.12,
"GST": 9.71,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 106.83,
"agentComm": 25.25,
"agentCommRate": 26,
"agentCommGST": 2.53
},
"transactionPremium": {
"premium": 97.12,
"GST": 9.71,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 106.83,
"agentComm": 25.25,
"agentCommRate": 26,
"agentCommGST": 2.53
}
},
{
"classType": "TOT",
"FAPPremium": {
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"GST": 393.89,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 4332.83,
"agentComm": 1024.12,
"agentCommRate": 26,
"agentCommGST": 102.41
},
"totalPostedToDatePremium": {
"premium": 97.12,
"GST": 9.71,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 106.83,
"agentComm": 25.25,
"agentCommRate": 26,
"agentCommGST": 2.53
},
"transactionPremium": {
"premium": 97.12,
"GST": 9.71,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 106.83,
"agentComm": 25.25,
"agentCommRate": 26,
"agentCommGST": 2.53
}
}
]
},
"riskDetail": {
"riskBPKLiability": {
"occupationCode": "421050",
"occupationDescription": "Hairdressing Service",
"business": "Hairdressing Service",
"numberOfEmployees": 5,
"limitOfLiability": 20000000,
"liabilityExcess": 50000,
"goodsInPhysicalControl": 25000,
"annualTurnover": 0,
"propertyOwners": "",
"propertyOwnersDesc": "",
"propertyValue": 0,
"paymentToContractors": 0
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {
"text": false
}
},
{
"questionId": "2",
"answer": {
"text": false
}
},
{
"questionId": "3",
"answer": {
"text": false
}
},
{
"questionId": "4",
"answer": {
"text": false
}
},
{
"questionId": "5",
"answer": {
"text": false
}
},
{
"questionId": "6",
"answer": {
"text": false
}
},
{
"questionId": "7",
"answer": {
"text": false
}
},
{
"questionId": "8",
"answer": {
"text": false
}
},
{
"questionId": "9",
"answer": {
"text": false
}
},
{
"questionId": "10",
"answer": {
"text": false
}
},
{
"questionId": "11",
"answer": {
"text": false
}
},
{
"questionId": "12",
"answer": {
"text": false
}
},
{
"questionId": "13",
"answer": {
"text": false
}
},
{
"questionId": "14",
"answer": {
"text": false
}
},
{
"questionId": "15",
"answer": {
"text": false
}
},
{
"questionId": "16",
"answer": {
"text": false
}
},
{
"questionId": "17",
"answer": {
"text": false
}
},
{
"questionId": "18",
"answer": {
"text": false
}
},
{
"questionId": "19",
"answer": {
"text": false
}
},
{
"questionId": "20",
"answer": {
"text": false
}
}
],
"policyPremium": {
"FAPPremium": {
"premium": 3938.94,
"GST": 393.89,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 4332.83,
"agentComm": 1024.12,
"agentCommRate": 26,
"agentCommGST": 102.41
},
"totalPostedToDatePremium": {
"premium": 97.12,
"GST": 9.71,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 106.83,
"agentComm": 25.25,
"agentCommRate": 26,
"agentCommGST": 2.53
},
"transactionPremium": {
"premium": 97.12,
"GST": 9.71,
"FSL": 0,
"brokerFee": 0,
"duty": 0,
"totalPremium": 106.83,
"agentComm": 25.25,
"agentCommRate": 26,
"agentCommGST": 2.53
}
}
}
},
"BPK Liability Response Example": {
"messageMetadata": {
"messageHeader": {
"messageDate": "2022-03-30T02:51:55Z",
"status": "SUCCESS"
},
"transactionInformation": {
"identifier": "Q609732BPK"
}
},
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2022-03-30",
"effectiveDate": "2022-03-30",
"expiryDate": "2023-03-30",
"quoteExpiryDate": "2023-03-30",
"product": "BPK",
"quoteNumber": "Q609732BPK"
},
"subProductCd": "B",
"sourceOfBusinessCode": "",
"variableCommRate": "0.00"
},
"customerParty": {
"firstName": "ALBERT ",
"lastName": "SMITH",
"taxIndicator": "",
"taxPercent": 0,
"orgName": "OrgTest",
"orgABN": "",
"contact": {
"primaryEmailAddress": "",
"workPhoneNumber": "",
"homePhoneNumber": ""
},
"location": {
"addressLine1": "24 LUX STREET",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
}
},
"risks": [
{
"partnerId": "Loc1",
"riskNumber": 0,
"riskReferenceId": "1001",
"riskClassCode": "BPP",
"riskMode": "A",
"riskAttachmentDate": "2022-03-30T12:00:00Z",
"riskEffectiveDate": "2022-03-30T12:00:00Z",
"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 organisation that contracts"
},
{
"wording": "out the services of their employees and or apprentices to you."
}
]
}
]
}
],
"location": {
"partnerId": "Loc1",
"situationNumber": "1",
"situationLocated": "",
"situationTurnover": 0,
"primaryLocation": false,
"addressLine1": "24 Lux Street",
"city": "SYDNEY",
"stateCode": "NSW",
"postalCode": "2000"
},
"premium": {
"premiumClass": [
{
"classType": "LIABILITY",
"FAPPremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
},
"totalPostedToDatePremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
},
"transactionPremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
}
},
{
"classType": "TOT",
"FAPPremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
},
"totalPostedToDatePremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
},
"transactionPremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
}
}
]
},
"riskDetail": {
"riskBPKLiability": {
"occupationCode": "421050",
"occupationDescription": "Hairdressing Service",
"business": "Hairdressing Service",
"numberOfEmployees": "5",
"limitOfLiability": 20000000,
"liabilityExcess": 50000,
"productsLiability": 0,
"goodsInPhysicalControl": 25000,
"tenantsFireLiability": 0,
"annualTurnover": 0,
"propertyOwners": "",
"propertyOwnersDesc": "",
"propertyValue": 0,
"paymentToContractors": 0
}
}
}
],
"questions": [
{
"questionId": "1",
"answer": {
"text": false
}
},
{
"questionId": "2",
"answer": {
"text": false
}
},
{
"questionId": "3",
"answer": {
"text": false
}
},
{
"questionId": "4",
"answer": {
"text": false
}
},
{
"questionId": "5",
"answer": {
"text": false
}
},
{
"questionId": "6",
"answer": {
"text": false
}
},
{
"questionId": "7",
"answer": {
"text": false
}
},
{
"questionId": "8",
"answer": {
"text": false
}
},
{
"questionId": "9",
"answer": {
"text": false
}
},
{
"questionId": "10",
"answer": {
"text": false
}
},
{
"questionId": "11",
"answer": {
"text": false
}
},
{
"questionId": "12",
"answer": {
"text": false
}
},
{
"questionId": "13",
"answer": {
"text": false
}
},
{
"questionId": "14",
"answer": {
"text": false
}
},
{
"questionId": "15",
"answer": {
"text": false
}
},
{
"questionId": "16",
"answer": {
"text": false
}
},
{
"questionId": "17",
"answer": {
"text": false
}
},
{
"questionId": "18",
"answer": {
"text": false
}
},
{
"questionId": "19",
"answer": {
"text": false
}
},
{
"questionId": "20",
"answer": {
"text": false
}
}
],
"policyPremium": {
"FAPPremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
},
"totalPostedToDatePremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
},
"transactionPremium": {
"premium": 3160.17,
"GST": 316.02,
"FSL": 0,
"brokerFee": 0,
"duty": 312.85,
"totalPremium": 3789.04,
"agentComm": 821.64,
"agentCommRate": 26,
"agentCommGST": 82.16
}
}
}
},
"MPA Private Motor Response Example": {
"messageMetadata": {
"messageHeader": {
"messageDate": "2022-03-30T03:00:21Z",
"status": "SUCCESS"
},
"transactionInformation": {
"identifier": "Q609732BPK"
}
},
"policy": {
"policyHeader": {
"policyTransactionInformation": {
"inceptionDate": "2021-06-23",
"effectiv
# --- truncated at 32 KB (67 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/qbe/refs/heads/main/json-schema/qbe-auth-quotes-post201-application-json-response-schema.json
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