Assumptions and warnings - Bridgeline API

Most agency systems don’t hold every detail a lender needs, such as which fees are refundable or whether a policy is auditable. Rather than refuse to quote, we make a conservative assumption and tell you exactly what it was. Every assumption and warning has the same shape:

{
  "code": "EARNED_ASSUMED",
  "param": "policies[0].taxes_and_fees[2].earned",
  "message": "Not marked; treated as earned (not refunded on cancellation)."
}

param is the request field it’s about, in the same notation as validation errors, so you can show the message next to the right input. To clear an assumption, send the real value and quote again.

Assumptions

Code	When	What we assume
`TAXES_AND_FEES_NOT_PROVIDED`	A policy has no `taxes_and_fees`	The amount financed is the premium only
`EARNED_ASSUMED`	A tax or fee has no `earned`	Earned: not refunded if the policy is canceled
`AUDITABLE_ASSUMED`	A policy has no `auditable`	Auditable, the conservative choice
`MINIMUM_EARNED_FROM_AMOUNT`	You sent `minimum_earned.amount`	We converted it to a rate of the premium, shown in the message and in `policies[].minimum_earned.rate`
`AM_BEST_UNVERIFIED`	We couldn’t confidently match the carrier to an AM Best rating	`A-`. The policy’s `carrier.am_best.source` is `assumed`, and binding needs the rating confirmed

The quote also shows the result of every assumption. Each policy’s carrier.am_best carries the rating we used and its source: am_best (matched to our AM Best data) or assumed on API quotes. The enum also has broker and document, used by other channels. Each policy’s minimum_earned.rate is the rate we priced with.

Warnings

Warnings don’t change the price. They flag something a broker should look at before binding.

Code	Meaning
`VERIFY_MINIMUM_EARNED`	A line that’s often fully earned or has a seasonal minimum earned, such as windstorm or builder’s risk. Confirm the figure
`REVIEW_COVERAGE`	A line flagged for broker review, such as occupational accident
`MINIMUM_EARNED_ZERO`	A minimum earned of 0%. Unusual; confirm it
`APR_CAP_EXCEEDED`	No option fits under the state’s APR limit, so the quote has no options
`POLICY_TERM_TOO_SHORT`	The policy period leaves no room for a loan term, so the quote has no options

For a demo agency, a business rule that would make the deal ineligible appears instead as a warning named DEMO_BYPASSED_<code>, so a demonstration always shows options. See test and live mode. New codes can appear in both lists. Show the message for any code you don’t recognize.