Create a quote

POST /api/v1/quotes

To provide insurance coverage to contractors on your platform, you first create a Quote object. If you use your test API keys, everything will occur as if in production but the policy that's generated will be a test policy.

Servers

• Production server: https://api.1099policy.com (Production server)

Parameters

Body: application/json (object)

• bind (boolean)
  Controls how the request behaves when the contractor already has a matching policy for the requested coverage. When true (the default), the request is rejected with a contractor_has_matching_policy error. When false, the endpoint behaves like a "get or create" and instead returns the existing quote tied to the matching policy (with a 200 status), so you can surface its rates and fees—for example, to let a returning contractor opt in—without creating a duplicate. Defaults to true.

• contractor (string)
  The ID of the contractor seeking a quote for insurance coverage.

• coverage_type (array[string])
  An array of coverage types that can include one or more of the following insurance coverage values: general, professional, workers-comp, media, and cyber. Note that media and cyber coverage requires general coverage, except for Hawaii (HI) residents where general liability is not available.

• effective_date (integer(int64))
  The date when the insurance coverage is set to take effect. Measured in seconds since the Unix epoch. This date must be set in the future. The default effective_date is the next day.

• end_date (integer(int64))
  The date when the insurance coverage is set to expire. Measured in seconds since the Unix epoch. This date must be after the effective date. If the end_date is on the same day as the effective_date, it will automatically be adjusted to the start of the next day. The default end_date is 30 days after the effective date.

• job (string)
  The ID of the job assignment that the contractor will be working on.

Responses

200

Returned when bind is false and the contractor already has a matching policy. The body is the existing quote tied to that policy rather than a newly created one.

Body: application/json (object)

• contractor (string)
  ID of the contractor.

• coverage_type (array[string])

• created (integer(int64))

• effective_date (string(int64))
  The date when the insurance coverage is set to take effect. Measured in seconds since the Unix epoch. This date must be set in the future. The default effective_date is the next day.

• eligible (boolean)
  Indicates whether a contractor is eligible for insurance or not.

• end_date (string(int64))
  The date when the insurance coverage is set to expire. Measured in seconds since the Unix epoch. This date must be after the effective date. The default end_date is 30 days after the effective date.

• gl_net_rate (integer)
  The amount of money the 1099 contractor pays in general liability premium per every $100 earned.
  A positive integer representing the premium owed per $100 earned. The gl_net_rate is stored in cents (e.g., 48 represents $0.48).

• id (string)

• job (string)
  ID of the job that the contractor was paid to do.

• net_rate (integer)
  The amount of money the 1099 contractor pays in premium per every $100 earned.
  A positive integer representing the premium owed per $100 earned. The net_rate is stored in cents (e.g., 48 represents $0.48).

• quote_json (object)
  The JSON representation of component parts that make up the total premium amount due including, for example, the net rate, taxes, and fees.

• wc_net_rate (integer)
  The amount of money the 1099 contractor pays in workers comp premium per every $100 earned.
  A positive integer representing the premium owed per $100 earned. The wc_net_rate is stored in cents (e.g., 48 represents $0.48).

201

Returns the quote object if the post succeeded.

Body: application/json (object)

• contractor (string)
  ID of the contractor.

• coverage_type (array[string])

• created (integer(int64))

• eligible (boolean)
  Indicates whether a contractor is eligible for insurance or not.

• id (string)

• job (string)
  ID of the job that the contractor was paid to do.