To request a P100 quote, please invoke the endpoints in the following order:

Step 1

Register Account

This endpoint will return accountID which you can then use to submit subsequent API requests.
In addition to the accountId, eligibleProducts array will also contain a list of eligible products. Depending on which products are returned, you can submit corresponding quote.

Step 2

Send Security Assessment

List of required P100 questions is available via the link above.

Step 3

Create a Quote

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Cowbell has the ability to 'course correct' or 'override' request data to avoid INVALID responses at the quote request level.

Below is an extensive list of all possible override responses:

"Waiting period set to 12 due to naics code starting with 31, 32, or 33";
"Ransom payment limit set to 1M due to industry class 1 and ransom payment limit greater than 1M";
"Ransom payment limit set to 500K due to industry class 2 and ransom payment limit greater than 500K";
"Ransom payment limit set to 500K due to industry class 2/3 and ransom payment limit greater than 500K";
"Deductible set to 2500 due to naics of not 61/92 and revenue greater than or equal to 0 and revenue less than or equal to 25M and deductible less than 2500";
"Deductible set to 5K due to naics of not 61/92 and revenue greater than or equal to 25M and revenue less than or equal to 50M and deductible less than 5K";
"Deductible set to 10K due to naics of not 61/92 and revenue between 50M and 100M and deductible less than 10K";
"Deductible set to 25K due to naics code 61/92 and deductible less than 25K";

"Limit set to 1M due to limit greater than 1M and naics code of 61/92 or other naics code risk";
"Limit set to 2M due to limit greater than or equal to 3M and revenue less than 5M";
"Removing social engineering endorsement due to one of these questions not being true(verify bank account, preventing unauthorized wire transfers, or authenticating fund transfer requests";
"Social engineering limit set to 100K due to naics code of 52";
"Social engineering deductible set to 25K due to 61/92 naics code and deductible less than 25K";
"Removing website media content liability endorsement due to naics code risk";
"Social engineering deductible updated to match updated overall deductible";

Please note that you can request multiple quotes per client.

Step 4.1

Get Quote details

This endpoint returns information associated with the quote (premium, fees, etc.) along with a list of available cyber coverages.

Developer Tip: please introduce a minimum latency of 15 seconds before calling this endpoint.

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Information associated with the quote will be returned in the following fields:

        "premium": 1276.0,
    "brokerFee": 100.0,
    "additionalBrokerFee": 0.0,
    "mgaFee": 0.0,
    "totalPremium": 1376.0,

Step 4.2

To download the quote proposal, please use this endpoint. This endpoint will return the URL to download the quote proposal PDF.

Step 5

Approve/Bind a Quote (optional)

Step 6

Attest a Quote (optional)

• This endpoint can be used if a partner chooses to have the insured activate the coverage in its own environment by acknowledging underwriting criteria as accurate, accepting terms and conditions.