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Hosted rating endpoints are planned — dedicated endpoints that invoke AI Insurance’s hosted rating engine are being added to the v1 API. External rating (“bring your own engine”) works today via the existing entity-update endpoints (see below). See the Roadmap for overall API direction.
The Rating API lets you compute premium and rating results for a quote or endorsement. Two approaches serve different use cases, and they can be used together.

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Hosted Rating

Invoke the AI Insurance-configured rating engine for a quote or endorsement. The system runs the configured rater (per company), computes results, and writes them to the rating response fields.

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Planned Endpoints

MethodEndpointDescription
POST/v1/quotes/{quoteId}/rateInvoke the configured rating engine for a quote
POST/v1/policies/{policyId}/rating/endorsementRate an endorsement (a set of deltas) for a policy
POST/v1/rating/rateGeneral rating — feed in a segment and get it rated

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How It Works

  1. Call the appropriate rating endpoint for your use case
  2. The system invokes the rating engine configured for your company
  3. Rating results are written to the policyRatingResponse and exposureRatingResponse fields
  4. The response returns the computed rating results

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When to Use

  • You use AI Insurance’s built-in rating engine
  • You want the system to compute premium based on your configured rating logic
  • You want a single API call to rate and store results

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External Rating (Bring Your Own Engine)

External rating is available today — no new endpoint is needed. If you compute rating externally, write your rating results directly to the quote (or policy endorsement) using the existing update endpoints.

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How It Works

  1. Compute rating results in your own system
  2. Update the quote via PATCH (or PUT alias) /api/v1/external/companies/{companyId}/entities/quote/{entityId} with policyRatingResponse and exposureRatingResponse fields populated. For an in-force policy, write rating results through a policy endorse transaction instead.
  3. The system treats these as regular field data — no special handling required

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When to Use

  • You have a proprietary rating engine
  • Rating is computed outside AI Insurance
  • You need full control over the rating calculation

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Both Approaches Work Together

The API doesn’t require rating results to come from any specific source. Whether you use hosted rating, external rating, or a combination, the downstream workflow is the same: once rating fields are populated on a quote or endorsement, it can proceed through the workflow.

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Permissions

OperationPermission
Rate a quote (hosted)Planned — not yet exposed via the external API
Update a quote (external rating)company.policy:create (the Quote update permission)
  • Quotes API — create and manage quotes
  • Policy API — create policies from rated quotes via the transaction model
  • Roadmap — overall API direction