To request a P100 quote, please invoke the endpoints in the following order:
Step 1
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
List of required P100 questions is available via the link above.
Step 3
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
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.
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.