> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bridgelinepf.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Binding readiness

> What the deal still needs before it can bind. It never stops you quoting or sharing the quote.

A quote can be priced from very little. Binding the loan needs more: proof of the actual coverage and enough detail to send the statutory notices. `binding_readiness` lists what's missing, so nobody finds out at signing time.

```json theme={null}
"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."
    }
  ]
}
```

`ready` is `true` only when `issues` is empty. Issues don't affect the price, eligibility, the options or the interactive page.

## Issues

| Code | What's needed |
| - | - |
| `DOCUMENT_TYPE_REQUIRED` | Say whether each policy is a `quote`, `binder` or `policy` (`document_type`) |
| `QUOTE_ONLY_DOCUMENT` | The policy is still a carrier quote. Binding needs the binder or policy, or your broker's attestation |
| `MISSING_POLICY_NUMBER` | A real `policy_number`. Placeholders such as "TBD" or "pending" don't count |
| `AM_BEST_UNRESOLVED` | We assumed the carrier's AM Best rating; it must be confirmed |
| `MINIMUM_EARNED_UNCONFIRMED` | The minimum earned premium must be confirmed |
| `INSURED_ADDRESS_INCOMPLETE` | The insured's full mailing address: `line1`, `city`, `state` and `postal_code`. Statutory notices are mailed to it |

New codes can be added. Show the `message` for any you don't recognize.

## Clearing issues

Send what you have when you quote. Most issues clear as soon as the data is there: a `document_type` of `binder` with its `policy_number`, and the insured's full address, leave nothing to fix later.

Today, your broker finishes binding in the Bridgeline portal. A missing policy number or a quote-only document doesn't have to hold the deal up there: your broker can attest to it when sending the finance agreement, and the policy is reconciled once the binder arrives.

As the API grows to cover applications, these issues will become the application's list of requirements, with the same codes. See the [roadmap](/roadmap).


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