Bind Quote

Binds a quote into a policy in a single, atomic call — the one-call convenience over hand-rolling a new-business transaction from the quote’s data. The quote is read server-side; the body is optional.

On success the quote is linked to the resulting policy (quoteStatus becomes bound, and the quote points at the policy) and the policy is created — both in one transaction, so a quote can never end up bound to a policy that was not created, or vice versa.

Which quote types can bind. The endpoint dispatches on the quote’s type, and all five types bind here. newBusiness and renewal mint a brand-new policy (a renewal’s new policy is linked back to the expiring term); endorsement, cancellation, and reinstatement transact against their existing source policy in place. The response policyId is the policy the transaction landed on — the new policy for newBusiness / renewal, the existing source policy for the in-place types.

Bindable states. A quote binds from inProgress or complete. A quote that is already bound returns 409 — the error body carries referencingPolicy (the policy it is already bound to) so you can recover the id without another call. A cancelled quote returns 409.

Validation. The quote must satisfy the same policy-create rules a new-business transaction enforces — notably the term bounds on the quote’s own policyStartDate and policyEndDate root fields, and a resolvable primary insured among its exposures. A quote that fails them returns a structured 400.

Rating and billing readiness. For new business, renewal, and endorsement, stale or unverifiable rating is advisory: Bind retains the existing premium and needs no override parameter. Check Bind Conditions returns the advisory separately from failures. When policy invoicing is enabled, valid freshness declarations, current real billing for the retained rating, and matching invoices are required. Existing matching posted invoices need no new plan. With invoicing disabled, missing or stale billing adds no invoice-readiness gate. Financial integrity, permissions, and policy conditions remain enforced. Cancellation and reinstatement retain derived financial behavior.

Invoice convenience. Send { "generateInvoices": true } to build an explicit invoice plan through the same generator the quote wizard’s invoice generation settings use. Saved choices take priority over current company defaults. The generator applies the chosen keep/void handling, protects invoices with live payments, and splits each billing line’s remaining amount across the new installments. New business and renewal start without prior invoices. Company payment defaults select one upfront payment, four quarterly payments, or another count on a monthly cadence. Explicit legacy per-type schedules remain supported. Payees resolve from saved quote choices, current policy invoices for in-place transactions, then each invoice type’s configured formula. A missing, ambiguous, foreign, or disallowed payee refuses with 422. Kept invoices above a line’s target also refuse without posting a partial plan. Omit the body (or send {}) to preserve ordinary bind behavior.

Required permission: quote.bind