curl --request POST \
  --url https://app.aiinsurance.io/api/external/companies/{companyId}/policies \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "referenceId": "POL-2025-001",
  "startsAtDate": "2025-01-01",
  "endsAtDate": "2026-01-01",
  "type": "C",
  "billingPeriod": "annual",
  "exposures": [
    {
      "insuredId": "550e8400-e29b-41d4-a716-446655440200",
      "role": "primary",
      "joinDate": "2025-01-01",
      "terminationDate": "2026-01-01"
    }
  ],
  "coverages": [
    {
      "coverageTypeId": "550e8400-e29b-41d4-a716-446655440300"
    }
  ]
}
'

{
  "id": "550e8400-e29b-41d4-a716-446655440100"
}

Policies

Create Policy

Creates a new policy directly, primarily for historical imports where policies need to be created without going through the quote→bind wizard flow.

Workflow:

Create insureds first via POST /insureds
Create the policy with insured references via this endpoint
The endpoint creates insured snapshots with the provided ratingInfo

Required fields:

referenceId - Policy number (must be unique)
startsAtDate, endsAtDate - Coverage dates
type - Policy type (C, N, T, O, P, S, Q, R, A)
billingPeriod - Billing frequency
exposures - At least one exposure with exactly one having role: "primary"
coverages - At least one coverage with valid coverageTypeId

Required permission: company.policy:create

POST

api

external

companies

{companyId}

policies

curl --request POST \
  --url https://app.aiinsurance.io/api/external/companies/{companyId}/policies \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "referenceId": "POL-2025-001",
  "startsAtDate": "2025-01-01",
  "endsAtDate": "2026-01-01",
  "type": "C",
  "billingPeriod": "annual",
  "exposures": [
    {
      "insuredId": "550e8400-e29b-41d4-a716-446655440200",
      "role": "primary",
      "joinDate": "2025-01-01",
      "terminationDate": "2026-01-01"
    }
  ],
  "coverages": [
    {
      "coverageTypeId": "550e8400-e29b-41d4-a716-446655440300"
    }
  ]
}
'

{
  "id": "550e8400-e29b-41d4-a716-446655440100"
}

Authorizations

Authorization

string

header

required

API key authentication. Include your API key in the Authorization header.

Path Parameters

companyId

string<uuid>

required

Company identifier

Body

application/json

referenceId

string

required

Policy number (must be unique per company)

startsAtDate

string<date>

required

Policy effective start date (YYYY-MM-DD)

endsAtDate

string<date>

required

Policy effective end date (YYYY-MM-DD)

type

enum<string>

required

Type of policy:

C: Claims Made
N: New Claims Made
T: Tail
O: Occurrence
P: Occurrence + Claims Made
S: Split (Half Claims Made/Occurrence)
Q: Quota Share
R: Occurrence + Claims Made + Tail
A: Claims Made (Alternative)

Available options:

C,

N,

T,

O,

P,

S,

Q,

R,

A

billingPeriod

enum<string>

required

Billing period for the policy

Available options:

doNotSendBill,

annual,

quarterly,

monthly

exposures

object[]

required

Exposures (insureds) to add to the policy. Exactly one must have role "primary".

Minimum array length: 1

Show child attributes

coverages

object[]

required

Coverages to add to the policy

Minimum array length: 1

Show child attributes

coverageTimezone

string

IANA timezone for coverage (e.g., "America/New_York"). Defaults to company default.

description

string

Policy description

premium

number

Total premium in dollars (overrides rating calculation)

brokerId

string<uuid>

ID of an existing broker to associate with this policy. Use POST /brokers to create a broker first.

data

object

Custom data fields for this policy. Keys must match fields from GET /policies/configuration. Values are strings or numbers.

Show child attributes

Response

Policy created successfully

string<uuid>

The ID of the created policy

List Policy Transactions Delete Policy

⌘I

Documentation Index

Authorizations

Path Parameters

Body

Response