curl https://portal.bridgelinepf.com/api/v1/quotes \
-H "Authorization: Bearer $BRIDGELINE_API_KEY" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: $(uuidgen)" \
-d '{
"broker_email": "maria@lonestarrisk.example",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"insured": {
"name": "Lone Star Fabrication LLC",
"fein": "74-0000000",
"address": {
"line1": "1200 Industrial Blvd",
"city": "Houston",
"state": "TX",
"postal_code": "77002"
}
},
"policies": [
{
"premium": "46100.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "2235.85",
"earned": false
},
{"description": "Stamping fee (0.075%)", "amount": "34.58", "earned": false},
{"description": "Policy fee", "amount": "250.00"}
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Scottsdale Insurance Company", "naic_code": "41297"},
"coverages": [
{"type": "general_liability"},
{
"type": "commercial_property",
"description": "Commercial Property (Ex-Wind)"
}
],
"auditable": false,
"document_type": "binder",
"policy_number": "CPS7712045",
"metadata": {"ams_policy_id": "POL-889213"}
},
{
"premium": "13000.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "630.50",
"earned": false
}
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Blue Mesa Specialty Insurance Co"},
"coverages": [{"type": "windstorm", "description": "Named Storm"}],
"document_type": "quote",
"metadata": {"ams_policy_id": "POL-889214"}
}
]
}'
const res = await fetch('https://portal.bridgelinepf.com/api/v1/quotes', {
method: 'POST',
headers: {
Authorization: `Bearer ${process.env.BRIDGELINE_API_KEY}`,
'Content-Type': 'application/json',
'Idempotency-Key': crypto.randomUUID(),
},
body: JSON.stringify({
broker_email: 'maria@lonestarrisk.example',
client_reference_id: 'EPIC-PROP-2026-0412',
metadata: { ams_account_id: 'ACCT-10442' },
insured: {
name: 'Lone Star Fabrication LLC',
fein: '74-0000000',
address: { line1: '1200 Industrial Blvd', city: 'Houston', state: 'TX', postal_code: '77002' },
},
policies: [
{
premium: '46100.00',
taxes_and_fees: [
{ description: 'Surplus lines tax (4.85%)', amount: '2235.85', earned: false },
{ description: 'Stamping fee (0.075%)', amount: '34.58', earned: false },
{ description: 'Policy fee', amount: '250.00' },
],
minimum_earned: { rate: 0.25 },
effective_date: '2026-10-15',
expiration_date: '2027-10-15',
carrier: { name: 'Scottsdale Insurance Company', naic_code: '41297' },
coverages: [
{ type: 'general_liability' },
{ type: 'commercial_property', description: 'Commercial Property (Ex-Wind)' },
],
auditable: false,
document_type: 'binder',
policy_number: 'CPS7712045',
metadata: { ams_policy_id: 'POL-889213' },
},
{
premium: '13000.00',
taxes_and_fees: [{ description: 'Surplus lines tax (4.85%)', amount: '630.50', earned: false }],
minimum_earned: { rate: 0.25 },
effective_date: '2026-10-15',
expiration_date: '2027-10-15',
carrier: { name: 'Blue Mesa Specialty Insurance Co' },
coverages: [{ type: 'windstorm', description: 'Named Storm' }],
document_type: 'quote',
metadata: { ams_policy_id: 'POL-889214' },
},
],
}),
})
const quote = await res.json()
import os
import uuid
import requests
res = requests.post(
"https://portal.bridgelinepf.com/api/v1/quotes",
headers={
"Authorization": f"Bearer {os.environ['BRIDGELINE_API_KEY']}",
"Idempotency-Key": str(uuid.uuid4()),
},
json={
"broker_email": "maria@lonestarrisk.example",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"insured": {
"name": "Lone Star Fabrication LLC",
"fein": "74-0000000",
"address": {
"line1": "1200 Industrial Blvd",
"city": "Houston",
"state": "TX",
"postal_code": "77002",
},
},
"policies": [
{
"premium": "46100.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "2235.85",
"earned": False,
},
{
"description": "Stamping fee (0.075%)",
"amount": "34.58",
"earned": False,
},
{"description": "Policy fee", "amount": "250.00"},
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Scottsdale Insurance Company", "naic_code": "41297"},
"coverages": [
{"type": "general_liability"},
{
"type": "commercial_property",
"description": "Commercial Property (Ex-Wind)",
},
],
"auditable": False,
"document_type": "binder",
"policy_number": "CPS7712045",
"metadata": {"ams_policy_id": "POL-889213"},
},
{
"premium": "13000.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "630.50",
"earned": False,
},
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Blue Mesa Specialty Insurance Co"},
"coverages": [{"type": "windstorm", "description": "Named Storm"}],
"document_type": "quote",
"metadata": {"ams_policy_id": "POL-889214"},
},
],
},
timeout=30,
)
quote = res.json()
{
"id": "qte_2lo4LFk5rf8toDFJM99oES",
"object": "quote",
"livemode": true,
"status": "active",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"broker": {"email": "maria@lonestarrisk.example"},
"created_at": "2026-10-04T15:04:05Z",
"expires_at": "2026-11-03T15:04:05Z",
"hosted_url": "https://portal.bridgelinepf.com/q/p98_xZUO2zaltiX49vC59BgOE1EUoRZSpIGtWjFUs0M",
"selected_option_id": null,
"interest": null,
"totals": {
"premium": "59100.00",
"taxes_and_fees": "3150.93",
"total": "62250.93",
"weighted_minimum_earned_rate": 0.25,
"financing_start_date": "2026-10-15"
},
"policies": [
{
"id": "pol_4Hq8Zt2m",
"total": "48620.43",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Scottsdale Insurance Company",
"am_best": {"rating": "A+", "source": "am_best"}
},
"metadata": {"ams_policy_id": "POL-889213"}
},
{
"id": "pol_9Rk3Wv7c",
"total": "13630.50",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Blue Mesa Specialty Insurance Co",
"am_best": {"rating": "A-", "source": "assumed"}
},
"metadata": {"ams_policy_id": "POL-889214"}
}
],
"eligibility": {
"status": "eligible",
"checks": [
{"code": "INPUT_VALID", "passed": true},
{"code": "INSURED_STATE", "passed": true, "limit": "TX", "actual": "TX"},
{"code": "PREMIUM_MIN", "passed": true, "limit": "4500.00", "actual": "62250.93"},
{"code": "PREMIUM_MAX", "passed": true, "limit": "175000.00", "actual": "62250.93"},
{"code": "AM_BEST_MIN", "passed": true, "limit": "A-", "basis": "partially_assumed"},
{"code": "ISSUER", "passed": true},
{"code": "COVERAGE", "passed": true},
{"code": "POLICY_BACKDATE", "passed": true, "limit": "30 days"},
{"code": "DATE_UNIFORMITY", "passed": true},
{"code": "POLICY_TERM", "passed": true, "limit": "3 months", "actual": "12 months"},
{"code": "MINIMUM_EARNED_MAX", "passed": true, "limit": "90%", "actual": "25.3%"}
],
"reasons": []
},
"assumptions": [
{
"code": "EARNED_ASSUMED",
"param": "policies[0].taxes_and_fees[2].earned",
"message": "Not marked; treated as earned (not refunded on cancellation)."
},
{
"code": "AM_BEST_UNVERIFIED",
"param": "policies[1].carrier",
"message": "We couldn't verify this carrier's AM Best rating; assumed A-. Confirm before binding."
},
{
"code": "AUDITABLE_ASSUMED",
"param": "policies[1].auditable",
"message": "Not provided; assumed auditable (the conservative choice)."
}
],
"warnings": [
{
"code": "VERIFY_MINIMUM_EARNED",
"param": "policies[1].minimum_earned",
"message": "Windstorm policies are often fully earned or carry a hurricane-season MEP. Confirm the MEP before binding."
}
],
"binding_readiness": {
"ready": false,
"issues": [
{
"code": "QUOTE_ONLY_DOCUMENT",
"param": "policies[1].document_type",
"message": "This is still a quote; binding needs the binder or policy, or an attestation."
},
{
"code": "AM_BEST_UNRESOLVED",
"param": "policies[1].carrier",
"message": "The carrier's AM Best rating must be confirmed before binding."
}
]
},
"recommended_option_id": "opt_25_10",
"options": [
{
"id": "opt_25_10",
"down_payment_rate": 0.25,
"term_months": 10,
"apr": 0.1185,
"down_payment": "15562.73",
"amount_financed": "46688.20",
"monthly_payment": "4926.21",
"finance_charge": "2573.90",
"total_of_payments": "49262.10",
"total_cost": "64824.83",
"spread_clamped": false
}
// ...29 more options
]
}
{
"id": "qte_2lo4LFk5rf8toDFJVWUIca",
"object": "quote",
"livemode": true,
"status": "active",
"client_reference_id": null,
"metadata": {},
"broker": {"email": "maria@lonestarrisk.example"},
"created_at": "2026-10-04T15:04:05Z",
"expires_at": "2026-11-03T15:04:05Z",
"hosted_url": "https://portal.bridgelinepf.com/q/p98_xZUO2zaltiX49vC59BgOE1EUoRZSpIGtWjFUs0M",
"selected_option_id": null,
"interest": null,
"totals": {
"premium": "240000.00",
"taxes_and_fees": "0.00",
"total": "240000.00",
"weighted_minimum_earned_rate": 0.25,
"financing_start_date": "2026-10-15"
},
"policies": [
{
"id": "pol_4Hq8Zt2m",
"total": "240000.00",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Scottsdale Insurance Company",
"am_best": {"rating": "A+", "source": "am_best"}
},
"metadata": {}
}
],
"eligibility": {
"status": "ineligible",
"checks": [
{"code": "INPUT_VALID", "passed": true},
{"code": "INSURED_STATE", "passed": true, "limit": "TX", "actual": "TX"},
{"code": "PREMIUM_MIN", "passed": true, "limit": "4500.00", "actual": "240000.00"},
{"code": "PREMIUM_MAX", "passed": false, "limit": "175000.00", "actual": "240000.00"},
{"code": "AM_BEST_MIN", "passed": true, "limit": "A-"},
{"code": "ISSUER", "passed": true},
{"code": "COVERAGE", "passed": true},
{"code": "POLICY_BACKDATE", "passed": true, "limit": "30 days"},
{"code": "DATE_UNIFORMITY", "passed": true},
{"code": "POLICY_TERM", "passed": true, "limit": "3 months", "actual": "12 months"},
{"code": "MINIMUM_EARNED_MAX", "passed": true, "limit": "90%", "actual": "25%"}
],
"reasons": [
{
"code": "PREMIUM_TOO_HIGH",
"param": "policies",
"message": "The total to finance ($240000.00) is above the $175000.00 maximum. Contact Bridgeline about larger deals."
}
]
},
"assumptions": [
{
"code": "TAXES_AND_FEES_NOT_PROVIDED",
"param": "policies[0].taxes_and_fees",
"message": "No taxes or fees provided; the amount financed is the premium only."
},
{
"code": "AUDITABLE_ASSUMED",
"param": "policies[0].auditable",
"message": "Not provided; assumed auditable (the conservative choice)."
}
],
"warnings": [],
"binding_readiness": {
"ready": false,
"issues": [
{
"code": "DOCUMENT_TYPE_REQUIRED",
"param": "policies[0].document_type",
"message": "Say whether this is a quote, binder or policy."
},
{
"code": "MISSING_POLICY_NUMBER",
"param": "policies[0].policy_number",
"message": "A real policy number is required before binding."
},
{
"code": "INSURED_ADDRESS_INCOMPLETE",
"param": "insured.address",
"message": "The insured's full mailing address is required before binding (statutory notices are mailed to it)."
}
]
},
"recommended_option_id": null,
"options": []
}
{
"error": {
"type": "invalid_request",
"code": "VALIDATION_FAILED",
"message": "Invalid request body: policies[0].premium: Send money as a decimal string, e.g. \"46100.00\", not a JSON number. (and 1 more; see details)",
"param": "policies[0].premium",
"details": [
{
"code": "INVALID_TYPE",
"param": "policies[0].premium",
"message": "Send money as a decimal string, e.g. \"46100.00\", not a JSON number."
},
{
"code": "UNKNOWN_FIELD",
"param": "policies[0].polcy_number",
"message": "\"polcy_number\" is not a field here. Did you mean \"policy_number\"?"
}
],
"doc_url": "https://docs.bridgelinepf.com/errors#VALIDATION_FAILED",
"request_id": "req_8fJ2kQ9xLm4TzW7nB3cY5pDv"
}
}
Quotes
Create a quote
Prices one or more policies financed together as one loan and returns every down payment × term option we can offer. A deal we cannot finance still returns 201, with eligibility.status “ineligible”, its reasons and no options; 422 is only for malformed input. hosted_url is returned only here.
POST
/
v1
/
quotes
curl https://portal.bridgelinepf.com/api/v1/quotes \
-H "Authorization: Bearer $BRIDGELINE_API_KEY" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: $(uuidgen)" \
-d '{
"broker_email": "maria@lonestarrisk.example",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"insured": {
"name": "Lone Star Fabrication LLC",
"fein": "74-0000000",
"address": {
"line1": "1200 Industrial Blvd",
"city": "Houston",
"state": "TX",
"postal_code": "77002"
}
},
"policies": [
{
"premium": "46100.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "2235.85",
"earned": false
},
{"description": "Stamping fee (0.075%)", "amount": "34.58", "earned": false},
{"description": "Policy fee", "amount": "250.00"}
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Scottsdale Insurance Company", "naic_code": "41297"},
"coverages": [
{"type": "general_liability"},
{
"type": "commercial_property",
"description": "Commercial Property (Ex-Wind)"
}
],
"auditable": false,
"document_type": "binder",
"policy_number": "CPS7712045",
"metadata": {"ams_policy_id": "POL-889213"}
},
{
"premium": "13000.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "630.50",
"earned": false
}
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Blue Mesa Specialty Insurance Co"},
"coverages": [{"type": "windstorm", "description": "Named Storm"}],
"document_type": "quote",
"metadata": {"ams_policy_id": "POL-889214"}
}
]
}'
const res = await fetch('https://portal.bridgelinepf.com/api/v1/quotes', {
method: 'POST',
headers: {
Authorization: `Bearer ${process.env.BRIDGELINE_API_KEY}`,
'Content-Type': 'application/json',
'Idempotency-Key': crypto.randomUUID(),
},
body: JSON.stringify({
broker_email: 'maria@lonestarrisk.example',
client_reference_id: 'EPIC-PROP-2026-0412',
metadata: { ams_account_id: 'ACCT-10442' },
insured: {
name: 'Lone Star Fabrication LLC',
fein: '74-0000000',
address: { line1: '1200 Industrial Blvd', city: 'Houston', state: 'TX', postal_code: '77002' },
},
policies: [
{
premium: '46100.00',
taxes_and_fees: [
{ description: 'Surplus lines tax (4.85%)', amount: '2235.85', earned: false },
{ description: 'Stamping fee (0.075%)', amount: '34.58', earned: false },
{ description: 'Policy fee', amount: '250.00' },
],
minimum_earned: { rate: 0.25 },
effective_date: '2026-10-15',
expiration_date: '2027-10-15',
carrier: { name: 'Scottsdale Insurance Company', naic_code: '41297' },
coverages: [
{ type: 'general_liability' },
{ type: 'commercial_property', description: 'Commercial Property (Ex-Wind)' },
],
auditable: false,
document_type: 'binder',
policy_number: 'CPS7712045',
metadata: { ams_policy_id: 'POL-889213' },
},
{
premium: '13000.00',
taxes_and_fees: [{ description: 'Surplus lines tax (4.85%)', amount: '630.50', earned: false }],
minimum_earned: { rate: 0.25 },
effective_date: '2026-10-15',
expiration_date: '2027-10-15',
carrier: { name: 'Blue Mesa Specialty Insurance Co' },
coverages: [{ type: 'windstorm', description: 'Named Storm' }],
document_type: 'quote',
metadata: { ams_policy_id: 'POL-889214' },
},
],
}),
})
const quote = await res.json()
import os
import uuid
import requests
res = requests.post(
"https://portal.bridgelinepf.com/api/v1/quotes",
headers={
"Authorization": f"Bearer {os.environ['BRIDGELINE_API_KEY']}",
"Idempotency-Key": str(uuid.uuid4()),
},
json={
"broker_email": "maria@lonestarrisk.example",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"insured": {
"name": "Lone Star Fabrication LLC",
"fein": "74-0000000",
"address": {
"line1": "1200 Industrial Blvd",
"city": "Houston",
"state": "TX",
"postal_code": "77002",
},
},
"policies": [
{
"premium": "46100.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "2235.85",
"earned": False,
},
{
"description": "Stamping fee (0.075%)",
"amount": "34.58",
"earned": False,
},
{"description": "Policy fee", "amount": "250.00"},
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Scottsdale Insurance Company", "naic_code": "41297"},
"coverages": [
{"type": "general_liability"},
{
"type": "commercial_property",
"description": "Commercial Property (Ex-Wind)",
},
],
"auditable": False,
"document_type": "binder",
"policy_number": "CPS7712045",
"metadata": {"ams_policy_id": "POL-889213"},
},
{
"premium": "13000.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "630.50",
"earned": False,
},
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Blue Mesa Specialty Insurance Co"},
"coverages": [{"type": "windstorm", "description": "Named Storm"}],
"document_type": "quote",
"metadata": {"ams_policy_id": "POL-889214"},
},
],
},
timeout=30,
)
quote = res.json()
{
"id": "qte_2lo4LFk5rf8toDFJM99oES",
"object": "quote",
"livemode": true,
"status": "active",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"broker": {"email": "maria@lonestarrisk.example"},
"created_at": "2026-10-04T15:04:05Z",
"expires_at": "2026-11-03T15:04:05Z",
"hosted_url": "https://portal.bridgelinepf.com/q/p98_xZUO2zaltiX49vC59BgOE1EUoRZSpIGtWjFUs0M",
"selected_option_id": null,
"interest": null,
"totals": {
"premium": "59100.00",
"taxes_and_fees": "3150.93",
"total": "62250.93",
"weighted_minimum_earned_rate": 0.25,
"financing_start_date": "2026-10-15"
},
"policies": [
{
"id": "pol_4Hq8Zt2m",
"total": "48620.43",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Scottsdale Insurance Company",
"am_best": {"rating": "A+", "source": "am_best"}
},
"metadata": {"ams_policy_id": "POL-889213"}
},
{
"id": "pol_9Rk3Wv7c",
"total": "13630.50",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Blue Mesa Specialty Insurance Co",
"am_best": {"rating": "A-", "source": "assumed"}
},
"metadata": {"ams_policy_id": "POL-889214"}
}
],
"eligibility": {
"status": "eligible",
"checks": [
{"code": "INPUT_VALID", "passed": true},
{"code": "INSURED_STATE", "passed": true, "limit": "TX", "actual": "TX"},
{"code": "PREMIUM_MIN", "passed": true, "limit": "4500.00", "actual": "62250.93"},
{"code": "PREMIUM_MAX", "passed": true, "limit": "175000.00", "actual": "62250.93"},
{"code": "AM_BEST_MIN", "passed": true, "limit": "A-", "basis": "partially_assumed"},
{"code": "ISSUER", "passed": true},
{"code": "COVERAGE", "passed": true},
{"code": "POLICY_BACKDATE", "passed": true, "limit": "30 days"},
{"code": "DATE_UNIFORMITY", "passed": true},
{"code": "POLICY_TERM", "passed": true, "limit": "3 months", "actual": "12 months"},
{"code": "MINIMUM_EARNED_MAX", "passed": true, "limit": "90%", "actual": "25.3%"}
],
"reasons": []
},
"assumptions": [
{
"code": "EARNED_ASSUMED",
"param": "policies[0].taxes_and_fees[2].earned",
"message": "Not marked; treated as earned (not refunded on cancellation)."
},
{
"code": "AM_BEST_UNVERIFIED",
"param": "policies[1].carrier",
"message": "We couldn't verify this carrier's AM Best rating; assumed A-. Confirm before binding."
},
{
"code": "AUDITABLE_ASSUMED",
"param": "policies[1].auditable",
"message": "Not provided; assumed auditable (the conservative choice)."
}
],
"warnings": [
{
"code": "VERIFY_MINIMUM_EARNED",
"param": "policies[1].minimum_earned",
"message": "Windstorm policies are often fully earned or carry a hurricane-season MEP. Confirm the MEP before binding."
}
],
"binding_readiness": {
"ready": false,
"issues": [
{
"code": "QUOTE_ONLY_DOCUMENT",
"param": "policies[1].document_type",
"message": "This is still a quote; binding needs the binder or policy, or an attestation."
},
{
"code": "AM_BEST_UNRESOLVED",
"param": "policies[1].carrier",
"message": "The carrier's AM Best rating must be confirmed before binding."
}
]
},
"recommended_option_id": "opt_25_10",
"options": [
{
"id": "opt_25_10",
"down_payment_rate": 0.25,
"term_months": 10,
"apr": 0.1185,
"down_payment": "15562.73",
"amount_financed": "46688.20",
"monthly_payment": "4926.21",
"finance_charge": "2573.90",
"total_of_payments": "49262.10",
"total_cost": "64824.83",
"spread_clamped": false
}
// ...29 more options
]
}
{
"id": "qte_2lo4LFk5rf8toDFJVWUIca",
"object": "quote",
"livemode": true,
"status": "active",
"client_reference_id": null,
"metadata": {},
"broker": {"email": "maria@lonestarrisk.example"},
"created_at": "2026-10-04T15:04:05Z",
"expires_at": "2026-11-03T15:04:05Z",
"hosted_url": "https://portal.bridgelinepf.com/q/p98_xZUO2zaltiX49vC59BgOE1EUoRZSpIGtWjFUs0M",
"selected_option_id": null,
"interest": null,
"totals": {
"premium": "240000.00",
"taxes_and_fees": "0.00",
"total": "240000.00",
"weighted_minimum_earned_rate": 0.25,
"financing_start_date": "2026-10-15"
},
"policies": [
{
"id": "pol_4Hq8Zt2m",
"total": "240000.00",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Scottsdale Insurance Company",
"am_best": {"rating": "A+", "source": "am_best"}
},
"metadata": {}
}
],
"eligibility": {
"status": "ineligible",
"checks": [
{"code": "INPUT_VALID", "passed": true},
{"code": "INSURED_STATE", "passed": true, "limit": "TX", "actual": "TX"},
{"code": "PREMIUM_MIN", "passed": true, "limit": "4500.00", "actual": "240000.00"},
{"code": "PREMIUM_MAX", "passed": false, "limit": "175000.00", "actual": "240000.00"},
{"code": "AM_BEST_MIN", "passed": true, "limit": "A-"},
{"code": "ISSUER", "passed": true},
{"code": "COVERAGE", "passed": true},
{"code": "POLICY_BACKDATE", "passed": true, "limit": "30 days"},
{"code": "DATE_UNIFORMITY", "passed": true},
{"code": "POLICY_TERM", "passed": true, "limit": "3 months", "actual": "12 months"},
{"code": "MINIMUM_EARNED_MAX", "passed": true, "limit": "90%", "actual": "25%"}
],
"reasons": [
{
"code": "PREMIUM_TOO_HIGH",
"param": "policies",
"message": "The total to finance ($240000.00) is above the $175000.00 maximum. Contact Bridgeline about larger deals."
}
]
},
"assumptions": [
{
"code": "TAXES_AND_FEES_NOT_PROVIDED",
"param": "policies[0].taxes_and_fees",
"message": "No taxes or fees provided; the amount financed is the premium only."
},
{
"code": "AUDITABLE_ASSUMED",
"param": "policies[0].auditable",
"message": "Not provided; assumed auditable (the conservative choice)."
}
],
"warnings": [],
"binding_readiness": {
"ready": false,
"issues": [
{
"code": "DOCUMENT_TYPE_REQUIRED",
"param": "policies[0].document_type",
"message": "Say whether this is a quote, binder or policy."
},
{
"code": "MISSING_POLICY_NUMBER",
"param": "policies[0].policy_number",
"message": "A real policy number is required before binding."
},
{
"code": "INSURED_ADDRESS_INCOMPLETE",
"param": "insured.address",
"message": "The insured's full mailing address is required before binding (statutory notices are mailed to it)."
}
]
},
"recommended_option_id": null,
"options": []
}
{
"error": {
"type": "invalid_request",
"code": "VALIDATION_FAILED",
"message": "Invalid request body: policies[0].premium: Send money as a decimal string, e.g. \"46100.00\", not a JSON number. (and 1 more; see details)",
"param": "policies[0].premium",
"details": [
{
"code": "INVALID_TYPE",
"param": "policies[0].premium",
"message": "Send money as a decimal string, e.g. \"46100.00\", not a JSON number."
},
{
"code": "UNKNOWN_FIELD",
"param": "policies[0].polcy_number",
"message": "\"polcy_number\" is not a field here. Did you mean \"policy_number\"?"
}
],
"doc_url": "https://docs.bridgelinepf.com/errors#VALIDATION_FAILED",
"request_id": "req_8fJ2kQ9xLm4TzW7nB3cY5pDv"
}
}
A deal we can’t finance is still a
201: eligibility.status is ineligible, eligibility.reasons says why, and options is empty. A 422 means only that the request was malformed, and it lists every problem at once in details.
hosted_urlis returned only in this response (and an idempotent replay of it). Store it, or get a new one later.- Quotes expire 30 days after they’re created. Each call counts toward your daily quote limits.
- Guides: quote in one call, choosing an option in code, coverage types.
curl https://portal.bridgelinepf.com/api/v1/quotes \
-H "Authorization: Bearer $BRIDGELINE_API_KEY" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: $(uuidgen)" \
-d '{
"broker_email": "maria@lonestarrisk.example",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"insured": {
"name": "Lone Star Fabrication LLC",
"fein": "74-0000000",
"address": {
"line1": "1200 Industrial Blvd",
"city": "Houston",
"state": "TX",
"postal_code": "77002"
}
},
"policies": [
{
"premium": "46100.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "2235.85",
"earned": false
},
{"description": "Stamping fee (0.075%)", "amount": "34.58", "earned": false},
{"description": "Policy fee", "amount": "250.00"}
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Scottsdale Insurance Company", "naic_code": "41297"},
"coverages": [
{"type": "general_liability"},
{
"type": "commercial_property",
"description": "Commercial Property (Ex-Wind)"
}
],
"auditable": false,
"document_type": "binder",
"policy_number": "CPS7712045",
"metadata": {"ams_policy_id": "POL-889213"}
},
{
"premium": "13000.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "630.50",
"earned": false
}
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Blue Mesa Specialty Insurance Co"},
"coverages": [{"type": "windstorm", "description": "Named Storm"}],
"document_type": "quote",
"metadata": {"ams_policy_id": "POL-889214"}
}
]
}'
const res = await fetch('https://portal.bridgelinepf.com/api/v1/quotes', {
method: 'POST',
headers: {
Authorization: `Bearer ${process.env.BRIDGELINE_API_KEY}`,
'Content-Type': 'application/json',
'Idempotency-Key': crypto.randomUUID(),
},
body: JSON.stringify({
broker_email: 'maria@lonestarrisk.example',
client_reference_id: 'EPIC-PROP-2026-0412',
metadata: { ams_account_id: 'ACCT-10442' },
insured: {
name: 'Lone Star Fabrication LLC',
fein: '74-0000000',
address: { line1: '1200 Industrial Blvd', city: 'Houston', state: 'TX', postal_code: '77002' },
},
policies: [
{
premium: '46100.00',
taxes_and_fees: [
{ description: 'Surplus lines tax (4.85%)', amount: '2235.85', earned: false },
{ description: 'Stamping fee (0.075%)', amount: '34.58', earned: false },
{ description: 'Policy fee', amount: '250.00' },
],
minimum_earned: { rate: 0.25 },
effective_date: '2026-10-15',
expiration_date: '2027-10-15',
carrier: { name: 'Scottsdale Insurance Company', naic_code: '41297' },
coverages: [
{ type: 'general_liability' },
{ type: 'commercial_property', description: 'Commercial Property (Ex-Wind)' },
],
auditable: false,
document_type: 'binder',
policy_number: 'CPS7712045',
metadata: { ams_policy_id: 'POL-889213' },
},
{
premium: '13000.00',
taxes_and_fees: [{ description: 'Surplus lines tax (4.85%)', amount: '630.50', earned: false }],
minimum_earned: { rate: 0.25 },
effective_date: '2026-10-15',
expiration_date: '2027-10-15',
carrier: { name: 'Blue Mesa Specialty Insurance Co' },
coverages: [{ type: 'windstorm', description: 'Named Storm' }],
document_type: 'quote',
metadata: { ams_policy_id: 'POL-889214' },
},
],
}),
})
const quote = await res.json()
import os
import uuid
import requests
res = requests.post(
"https://portal.bridgelinepf.com/api/v1/quotes",
headers={
"Authorization": f"Bearer {os.environ['BRIDGELINE_API_KEY']}",
"Idempotency-Key": str(uuid.uuid4()),
},
json={
"broker_email": "maria@lonestarrisk.example",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"insured": {
"name": "Lone Star Fabrication LLC",
"fein": "74-0000000",
"address": {
"line1": "1200 Industrial Blvd",
"city": "Houston",
"state": "TX",
"postal_code": "77002",
},
},
"policies": [
{
"premium": "46100.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "2235.85",
"earned": False,
},
{
"description": "Stamping fee (0.075%)",
"amount": "34.58",
"earned": False,
},
{"description": "Policy fee", "amount": "250.00"},
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Scottsdale Insurance Company", "naic_code": "41297"},
"coverages": [
{"type": "general_liability"},
{
"type": "commercial_property",
"description": "Commercial Property (Ex-Wind)",
},
],
"auditable": False,
"document_type": "binder",
"policy_number": "CPS7712045",
"metadata": {"ams_policy_id": "POL-889213"},
},
{
"premium": "13000.00",
"taxes_and_fees": [
{
"description": "Surplus lines tax (4.85%)",
"amount": "630.50",
"earned": False,
},
],
"minimum_earned": {"rate": 0.25},
"effective_date": "2026-10-15",
"expiration_date": "2027-10-15",
"carrier": {"name": "Blue Mesa Specialty Insurance Co"},
"coverages": [{"type": "windstorm", "description": "Named Storm"}],
"document_type": "quote",
"metadata": {"ams_policy_id": "POL-889214"},
},
],
},
timeout=30,
)
quote = res.json()
{
"id": "qte_2lo4LFk5rf8toDFJM99oES",
"object": "quote",
"livemode": true,
"status": "active",
"client_reference_id": "EPIC-PROP-2026-0412",
"metadata": {"ams_account_id": "ACCT-10442"},
"broker": {"email": "maria@lonestarrisk.example"},
"created_at": "2026-10-04T15:04:05Z",
"expires_at": "2026-11-03T15:04:05Z",
"hosted_url": "https://portal.bridgelinepf.com/q/p98_xZUO2zaltiX49vC59BgOE1EUoRZSpIGtWjFUs0M",
"selected_option_id": null,
"interest": null,
"totals": {
"premium": "59100.00",
"taxes_and_fees": "3150.93",
"total": "62250.93",
"weighted_minimum_earned_rate": 0.25,
"financing_start_date": "2026-10-15"
},
"policies": [
{
"id": "pol_4Hq8Zt2m",
"total": "48620.43",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Scottsdale Insurance Company",
"am_best": {"rating": "A+", "source": "am_best"}
},
"metadata": {"ams_policy_id": "POL-889213"}
},
{
"id": "pol_9Rk3Wv7c",
"total": "13630.50",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Blue Mesa Specialty Insurance Co",
"am_best": {"rating": "A-", "source": "assumed"}
},
"metadata": {"ams_policy_id": "POL-889214"}
}
],
"eligibility": {
"status": "eligible",
"checks": [
{"code": "INPUT_VALID", "passed": true},
{"code": "INSURED_STATE", "passed": true, "limit": "TX", "actual": "TX"},
{"code": "PREMIUM_MIN", "passed": true, "limit": "4500.00", "actual": "62250.93"},
{"code": "PREMIUM_MAX", "passed": true, "limit": "175000.00", "actual": "62250.93"},
{"code": "AM_BEST_MIN", "passed": true, "limit": "A-", "basis": "partially_assumed"},
{"code": "ISSUER", "passed": true},
{"code": "COVERAGE", "passed": true},
{"code": "POLICY_BACKDATE", "passed": true, "limit": "30 days"},
{"code": "DATE_UNIFORMITY", "passed": true},
{"code": "POLICY_TERM", "passed": true, "limit": "3 months", "actual": "12 months"},
{"code": "MINIMUM_EARNED_MAX", "passed": true, "limit": "90%", "actual": "25.3%"}
],
"reasons": []
},
"assumptions": [
{
"code": "EARNED_ASSUMED",
"param": "policies[0].taxes_and_fees[2].earned",
"message": "Not marked; treated as earned (not refunded on cancellation)."
},
{
"code": "AM_BEST_UNVERIFIED",
"param": "policies[1].carrier",
"message": "We couldn't verify this carrier's AM Best rating; assumed A-. Confirm before binding."
},
{
"code": "AUDITABLE_ASSUMED",
"param": "policies[1].auditable",
"message": "Not provided; assumed auditable (the conservative choice)."
}
],
"warnings": [
{
"code": "VERIFY_MINIMUM_EARNED",
"param": "policies[1].minimum_earned",
"message": "Windstorm policies are often fully earned or carry a hurricane-season MEP. Confirm the MEP before binding."
}
],
"binding_readiness": {
"ready": false,
"issues": [
{
"code": "QUOTE_ONLY_DOCUMENT",
"param": "policies[1].document_type",
"message": "This is still a quote; binding needs the binder or policy, or an attestation."
},
{
"code": "AM_BEST_UNRESOLVED",
"param": "policies[1].carrier",
"message": "The carrier's AM Best rating must be confirmed before binding."
}
]
},
"recommended_option_id": "opt_25_10",
"options": [
{
"id": "opt_25_10",
"down_payment_rate": 0.25,
"term_months": 10,
"apr": 0.1185,
"down_payment": "15562.73",
"amount_financed": "46688.20",
"monthly_payment": "4926.21",
"finance_charge": "2573.90",
"total_of_payments": "49262.10",
"total_cost": "64824.83",
"spread_clamped": false
}
// ...29 more options
]
}
{
"id": "qte_2lo4LFk5rf8toDFJVWUIca",
"object": "quote",
"livemode": true,
"status": "active",
"client_reference_id": null,
"metadata": {},
"broker": {"email": "maria@lonestarrisk.example"},
"created_at": "2026-10-04T15:04:05Z",
"expires_at": "2026-11-03T15:04:05Z",
"hosted_url": "https://portal.bridgelinepf.com/q/p98_xZUO2zaltiX49vC59BgOE1EUoRZSpIGtWjFUs0M",
"selected_option_id": null,
"interest": null,
"totals": {
"premium": "240000.00",
"taxes_and_fees": "0.00",
"total": "240000.00",
"weighted_minimum_earned_rate": 0.25,
"financing_start_date": "2026-10-15"
},
"policies": [
{
"id": "pol_4Hq8Zt2m",
"total": "240000.00",
"minimum_earned": {"rate": 0.25},
"carrier": {
"name": "Scottsdale Insurance Company",
"am_best": {"rating": "A+", "source": "am_best"}
},
"metadata": {}
}
],
"eligibility": {
"status": "ineligible",
"checks": [
{"code": "INPUT_VALID", "passed": true},
{"code": "INSURED_STATE", "passed": true, "limit": "TX", "actual": "TX"},
{"code": "PREMIUM_MIN", "passed": true, "limit": "4500.00", "actual": "240000.00"},
{"code": "PREMIUM_MAX", "passed": false, "limit": "175000.00", "actual": "240000.00"},
{"code": "AM_BEST_MIN", "passed": true, "limit": "A-"},
{"code": "ISSUER", "passed": true},
{"code": "COVERAGE", "passed": true},
{"code": "POLICY_BACKDATE", "passed": true, "limit": "30 days"},
{"code": "DATE_UNIFORMITY", "passed": true},
{"code": "POLICY_TERM", "passed": true, "limit": "3 months", "actual": "12 months"},
{"code": "MINIMUM_EARNED_MAX", "passed": true, "limit": "90%", "actual": "25%"}
],
"reasons": [
{
"code": "PREMIUM_TOO_HIGH",
"param": "policies",
"message": "The total to finance ($240000.00) is above the $175000.00 maximum. Contact Bridgeline about larger deals."
}
]
},
"assumptions": [
{
"code": "TAXES_AND_FEES_NOT_PROVIDED",
"param": "policies[0].taxes_and_fees",
"message": "No taxes or fees provided; the amount financed is the premium only."
},
{
"code": "AUDITABLE_ASSUMED",
"param": "policies[0].auditable",
"message": "Not provided; assumed auditable (the conservative choice)."
}
],
"warnings": [],
"binding_readiness": {
"ready": false,
"issues": [
{
"code": "DOCUMENT_TYPE_REQUIRED",
"param": "policies[0].document_type",
"message": "Say whether this is a quote, binder or policy."
},
{
"code": "MISSING_POLICY_NUMBER",
"param": "policies[0].policy_number",
"message": "A real policy number is required before binding."
},
{
"code": "INSURED_ADDRESS_INCOMPLETE",
"param": "insured.address",
"message": "The insured's full mailing address is required before binding (statutory notices are mailed to it)."
}
]
},
"recommended_option_id": null,
"options": []
}
{
"error": {
"type": "invalid_request",
"code": "VALIDATION_FAILED",
"message": "Invalid request body: policies[0].premium: Send money as a decimal string, e.g. \"46100.00\", not a JSON number. (and 1 more; see details)",
"param": "policies[0].premium",
"details": [
{
"code": "INVALID_TYPE",
"param": "policies[0].premium",
"message": "Send money as a decimal string, e.g. \"46100.00\", not a JSON number."
},
{
"code": "UNKNOWN_FIELD",
"param": "policies[0].polcy_number",
"message": "\"polcy_number\" is not a field here. Did you mean \"policy_number\"?"
}
],
"doc_url": "https://docs.bridgelinepf.com/errors#VALIDATION_FAILED",
"request_id": "req_8fJ2kQ9xLm4TzW7nB3cY5pDv"
}
}
Authorizations
bl_live_… or bl_test_… API key.
Headers
API version (a date). Defaults to 2026-09-23; echoed on every response.
Pattern:
^\d{4}-\d{2}-\d{2}$Retrying with the same key and body within 24h replays the original response.
Required string length:
1 - 255Body
application/json
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Minimum array length:
1Show child attributes
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Pattern:
^(?:[A-Za-z0-9_'+\-]+\.)*[A-Za-z0-9_'+\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$Required string length:
1 - 255Show child attributes
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Response
The quote, eligible or not.
An indicative quote: a stored snapshot, not a price lock.
qte_…
Allowed value:
"quote"Available options:
active, interested, expired Show child attributes
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Returned when the quote is created; null when retrieved.
The insured's response on the hosted page; null unless status is interested. This object is also the payload the Phase 3 quote.interest_expressed webhook will reuse.
Show child attributes
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