> ## Documentation Index > Fetch the complete documentation index at: https://docs.aiinsurance.io/llms.txt > Use this file to discover all available pages before exploring further. # Get Earned Premium (Single Policy) > Returns earned premium for a single policy over a date range. Each transaction on the policy produces a daily contribution (a fixed daily rate over its effective range), and the earned premium on any given day is the sum of all active contributions. Use the `detail` parameter to control response granularity: - `transactions` (default) — transaction-level totals only - `days` — adds a daily time series of net earned premium - `daysAndTransactions` — adds a daily time series with per-transaction contributions on each day The date range is a half-open interval `[startDate, endDate)` and must not exceed 366 days. Use `timeTravelBackToDate` to see earned premium as it would have been calculated at a prior point in time — only transactions created before that timestamp are included. **Required permission:** `company.policy:read` ## OpenAPI ````yaml /openapi/generated-external-api.yaml get /api/v1/external/companies/{companyId}/policies/{policyId}/earned-premium openapi: 3.0.3 info: title: AI Insurance External API description: External API for AI Insurance platform version: 1.0.0 contact: email: support@aiinsurance.io servers: - url: https://app.aiinsurance.io description: Production security: - ApiKeyAuth: [] paths: /api/v1/external/companies/{companyId}/policies/{policyId}/earned-premium: get: tags: - Field Model Earned Premium summary: Get Earned Premium (Single Policy) description: | Returns earned premium for a single policy over a date range. Each transaction on the policy produces a daily contribution (a fixed daily rate over its effective range), and the earned premium on any given day is the sum of all active contributions. Use the `detail` parameter to control response granularity: - `transactions` (default) — transaction-level totals only - `days` — adds a daily time series of net earned premium - `daysAndTransactions` — adds a daily time series with per-transaction contributions on each day The date range is a half-open interval `[startDate, endDate)` and must not exceed 366 days. Use `timeTravelBackToDate` to see earned premium as it would have been calculated at a prior point in time — only transactions created before that timestamp are included. **Required permission:** `company.policy:read` operationId: getEarnedPremium parameters: - $ref: '#/components/parameters/companyId' - $ref: '#/components/parameters/policyIdPath' - name: startDate in: query required: true schema: type: string format: date description: | Start of the earned premium window (inclusive). ISO 8601 date (`YYYY-MM-DD`). Must be before or equal to `endDate`. - name: endDate in: query required: true schema: type: string format: date description: | End of the earned premium window (exclusive). ISO 8601 date (`YYYY-MM-DD`). The range `[startDate, endDate)` must not exceed 366 days. - name: detail in: query schema: type: string enum: - transactions - days - daysAndTransactions default: transactions description: | Response granularity: - `transactions` — `transactionTotals` only (default) - `days` — adds `days` array with net earned premium per day - `daysAndTransactions` — adds `days` array with per-transaction `contributions` on each day - name: timeTravelBackToDate in: query schema: type: string format: date-time description: | Only include transactions created before this timestamp (ISO 8601). Useful for auditing historical earned premium state. responses: '200': description: Earned premium for the policy content: application/json: schema: $ref: '#/components/schemas/EarnedPremiumPolicyResponse' examples: transactionsDetail: summary: Default detail level (transactions) value: policyId: 550e8400-e29b-41d4-a716-446655440001 policyNumber: POL-2025-001 earnedPremiumTotal: 42465.75 transactionTotals: - transactionId: 660e8400-e29b-41d4-a716-446655440001 policyVersion: 1 action: NEW_BUSINESS totalContribution: 42465.75 daysDetail: summary: Daily time series (days) value: policyId: 550e8400-e29b-41d4-a716-446655440001 policyNumber: POL-2025-001 earnedPremiumTotal: 465.76 transactionTotals: - transactionId: 660e8400-e29b-41d4-a716-446655440001 policyVersion: 1 action: NEW_BUSINESS totalContribution: 465.76 days: - date: '2025-01-01' earnedPremium: 232.88 - date: '2025-01-02' earnedPremium: 232.88 daysAndTransactionsDetail: summary: Daily time series with transaction breakdown value: policyId: 550e8400-e29b-41d4-a716-446655440001 policyNumber: POL-2025-001 earnedPremiumTotal: 698.63 transactionTotals: - transactionId: 660e8400-e29b-41d4-a716-446655440001 policyVersion: 1 action: NEW_BUSINESS totalContribution: 465.76 - transactionId: 660e8400-e29b-41d4-a716-446655440002 policyVersion: 2 action: ENDORSE totalContribution: 232.87 days: - date: '2025-06-01' earnedPremium: 232.88 contributions: - transactionId: 660e8400-e29b-41d4-a716-446655440001 policyVersion: 1 action: NEW_BUSINESS dailyContribution: 232.88 - date: '2025-06-02' earnedPremium: 465.75 contributions: - transactionId: 660e8400-e29b-41d4-a716-446655440001 policyVersion: 1 action: NEW_BUSINESS dailyContribution: 232.88 - transactionId: 660e8400-e29b-41d4-a716-446655440002 policyVersion: 2 action: ENDORSE dailyContribution: 232.87 '400': description: Invalid request parameters content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: missingDates: summary: Missing required date parameters value: error: code: INVALID_REQUEST message: startDate and endDate must be valid ISO dates dateRangeTooLarge: summary: Date range exceeds 366 days value: error: code: INVALID_REQUEST message: Date range must not exceed 366 days startAfterEnd: summary: Start date after end date value: error: code: INVALID_REQUEST message: startDate must be before or equal to endDate '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/Forbidden' '404': description: Policy not found content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: policyNotFound: summary: Policy not found value: error: code: NOT_FOUND message: Policy 550e8400-e29b-41d4-a716-446655440001 not found '500': $ref: '#/components/responses/InternalServerError' components: parameters: companyId: name: companyId in: path required: true schema: type: string format: uuid description: Company identifier policyIdPath: name: policyId in: path required: true schema: type: string format: uuid description: Policy identifier schemas: EarnedPremiumPolicyResponse: type: object description: > Earned premium for a single policy over the requested date range. Shape varies by detail level: - `transactions` — `transactionTotals` only (default) - `days` — adds `days` array (without per-transaction contributions) - `daysAndTransactions` — adds `days` array with `contributions` per day required: - policyId - policyNumber - earnedPremiumTotal - transactionTotals properties: policyId: type: string format: uuid description: The policy ID policyNumber: type: string description: Human-readable policy number earnedPremiumTotal: type: number description: > Total earned premium across all transactions for the requested date range transactionTotals: type: array description: > Each transaction's total earned premium contribution over the requested date range. Always present. items: $ref: '#/components/schemas/EarnedPremiumTransactionRangeTotal' days: type: array description: > Daily earned premium time series. Only present when `detail=days` or `detail=daysAndTransactions`. Contains one entry per day in the half-open interval [startDate, endDate). items: $ref: '#/components/schemas/EarnedPremiumOneDayTotal' ErrorResponse: type: object description: Standard error response for all external API endpoints required: - error properties: error: type: object required: - code - message properties: code: type: string description: Machine-readable error code example: VALIDATION_ERROR message: type: string description: Human-readable error message example: 'submissionId: Required field is missing' details: type: array description: Additional details for validation errors (field-level errors) items: type: object properties: field: type: string description: The field that caused the error example: submissionId message: type: string description: Description of the field error example: Required field is missing EarnedPremiumTransactionRangeTotal: type: object description: > One transaction's total earned premium contribution over the requested date range. Present at every detail level. required: - transactionId - policyVersion - action - totalContribution properties: transactionId: type: string format: uuid description: The transaction that produced this contribution policyVersion: type: integer description: Policy version number at the time of this transaction action: type: string enum: - NEW_BUSINESS - ENDORSE - CANCEL - REINSTATE - RENEW description: The transaction action type totalContribution: type: number description: > Net earned premium contributed by this transaction over the requested date range. Positive for NEW_BUSINESS/ENDORSE/REINSTATE/RENEW, negative for CANCEL. EarnedPremiumOneDayTotal: type: object description: > Net earned premium on a single day. Present when `detail=days` or `detail=daysAndTransactions`. required: - date - earnedPremium properties: date: type: string format: date description: The calendar date (YYYY-MM-DD) earnedPremium: type: number description: > Net earned premium on this day — the sum of all active transaction contributions whose effective range includes this date. contributions: type: array description: > Per-transaction breakdown of daily contributions. Only present when `detail=daysAndTransactions`. items: $ref: '#/components/schemas/EarnedPremiumTransactionOneDayContribution' EarnedPremiumTransactionOneDayContribution: type: object description: > One transaction's earned premium contribution on a single day. Present when `detail=daysAndTransactions`. required: - transactionId - policyVersion - action - dailyContribution properties: transactionId: type: string format: uuid description: The transaction that produced this contribution policyVersion: type: integer description: Policy version number at the time of this transaction action: type: string enum: - NEW_BUSINESS - ENDORSE - CANCEL - REINSTATE - RENEW description: The transaction action type dailyContribution: type: number description: > This transaction's daily earned premium rate. The transaction spreads its premium change evenly across its effective date range. responses: Unauthorized: description: Unauthorized - Invalid or missing API key content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: missingApiKey: summary: Missing API key value: error: code: UNAUTHORIZED message: Authorization header is required bearerTokenNotAllowed: summary: Bearer token used instead of API key value: error: code: UNAUTHORIZED message: External API endpoints require API key authentication Forbidden: description: Forbidden - Insufficient permissions content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: insufficientPermissions: summary: Insufficient permissions value: error: code: FORBIDDEN message: Insufficient permissions to perform this action InternalServerError: description: Internal Server Error - Unexpected error occurred content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: internalError: summary: Unexpected server error value: error: code: INTERNAL_ERROR message: An unexpected error occurred. Please try again later. securitySchemes: ApiKeyAuth: type: apiKey in: header name: Authorization description: >- API key authentication. Include your API key in the Authorization header. ````