> ## 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.
# Quote in one call
> Price several policies as one loan, with taxes and fees and your own ids, and read every part of the response.
One `POST /v1/quotes` prices a deal: one insured and up to 25 policies financed together as one loan, from any mix of carriers. There's no session to open and nothing to clean up afterwards.
## Build the request
This example finances a general liability and property package plus a standalone windstorm policy, with the taxes and fees from the binder:
```bash cURL theme={null}
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"}
}
]
}'
```
```javascript Node theme={null}
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()
```
```python Python theme={null}
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()
```
What each part does:
The borrower. `name` (legal name) and `address.state`, the two-letter USPS state code such as `TX`, are required to quote. A full state name such as `Texas` is a `422` (`Use the two-letter state code, e.g. "TX" for Texas.`), and so is any other value that isn't a code (`Must be a two-letter US state code, e.g. "TX".`). A valid code outside Texas still gets a quote, marked [ineligible](/concepts/eligibility#insured-state). `dba`, `fein` and the rest of the address are optional now, but the full address is needed before the deal can bind, so send it if you have it.
The premium as the binder or quote shows it, excluding taxes and fees, as a decimal string. If you only have the total amount due, send it here with no `taxes_and_fees`; we'll note that assumption.
Exactly one of `rate` (a fraction: `0.25` is 25%) or `amount` (the dollar minimum earned premium from the binder). We convert an amount to a rate and tell you so in `assumptions`. If the minimum earned changes during the policy, as hurricane-season windstorm forms do, send the highest one that applies during the loan.
Each with an `amount` and optional `description`. Mark `earned: false` for a tax or fee the insured gets back on cancellation, such as surplus lines tax; leave it out and we assume `true`. Every tax and fee is financed either way; `earned` only affects the collateral math.
`YYYY-MM-DD`. Every policy on one loan must share the same dates; mixed dates make the deal ineligible. Financing starts on the effective date, which can be at most 30 days in the past.
`name`, plus `naic_code` or `am_best_id` if you have them. We look up the AM Best rating ourselves and return the rating we used and where it came from.
The lines the policy covers, from the [coverage types](/guides/coverage-types) list. A package lists each line.
Not needed to price. `document_type` is `quote`, `binder` or `policy`. Both feed [binding readiness](/concepts/binding-readiness).
Your own ids, returned unchanged on the quote. `metadata` (up to 20 string pairs) also works on each policy. See [your ids](/concepts/conventions#your-ids).
The broker who owns the quote. Leave it out to use the key's default broker. See [acting as a broker](/authentication#acting-as-a-broker).
Unknown fields are rejected, with a "did you mean" hint, and every problem in the body comes back in one `422`, so you can fix them all at once. See [`VALIDATION_FAILED`](/errors/VALIDATION_FAILED).
## Read the response
A `201 Created` returns the quote (illustrative figures; 29 of the 30 options removed):
```jsonc 201 Created theme={null}
{
"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
]
}
```
Work through it in this order:
`status` is `eligible` or `ineligible`. `checks` lists every rule we ran, with its limit, and `reasons` says why an ineligible deal failed. An ineligible quote still returns `201` with no options. See [eligibility](/concepts/eligibility).
`assumptions` is everything we filled in, each pointing at the request field (`param`) it concerns. Here: one fee not marked as earned, an unverified carrier rating and an unknown audit status. `warnings` flags things to check before binding, like a windstorm policy's minimum earned. Send the real values and quote again to clear them. See [assumptions](/concepts/assumptions).
Every down payment and term we can offer. Each option has its own `id`, the APR, and every amount you'd put in front of a client: `down_payment`, `amount_financed`, `monthly_payment`, `finance_charge`, `total_of_payments` and `total_cost`. They add up to the cent: `down_payment + total_of_payments = total_cost`. Show `recommended_option_id` first. To pick one by rule, see [choosing an option in code](/guides/choosing-an-option).
What's still needed before this deal can bind, such as a policy that is still a quote. It doesn't stop you quoting or sharing the link. See [binding readiness](/concepts/binding-readiness).
The page your client opens to choose. It's returned only now, so store it. See [the interactive quote](/guides/hosted-quote-page).
The down payments in this example are 15%, 20%, 25%, 30% and 35%. They follow the deal's premium-weighted minimum earned (25% here), not a fixed grid, so a deal with a different minimum earned gets different down payments. That's why you shouldn't hard-code an option id; [choosing an option in code](/guides/choosing-an-option) shows the safe way.
## Good to know
* **A quote is a snapshot.** We price once and store the result; `GET /v1/quotes/{id}` returns it unchanged and never re-prices. To change anything, create a new quote. See [indicative quotes](/concepts/indicative-quotes).
* **Quotes expire** 30 days after they're created (`expires_at`).
* **Comparing alternatives,** such as two carriers for the same risk? Create one quote per alternative and give them the same `client_reference_id`.
* **Policies come back in the order you sent them,** each with an `id` (`pol_...`) and your `metadata`.
* **The quote counts toward your daily quote limit** whatever the outcome, including `422`s. Validate on your side first. See [rate limits](/guides/rate-limits).
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