Quote

A quote is a priced offer. It’s worked up from a submission: a single submission can produce many quotes (different options, structures, or revisions), and the quote that’s accepted binds into a policy. A quote carries the proposed terms — what’s being covered, the structure, and the pricing result — for one possible version of the deal.

Quote detail page showing primary insured, policy term and type (Claims Made), and a General Liability coverage with per-occurrence and aggregate limits. — A quote in the app — its details and coverages, with actions to jump back to the submission or to the bound policy.

Working in the app? See the Quotes feature reference for the list view, detail tabs, statuses, and actions.

How its data works

A quote is a set of fields configured per company. The platform requires a handful — a system-assigned quote number, a status, and the primary insured’s name — and your configuration defines the rest, including the coverage structure and any custom fields. A quote’s status is system-managed. It starts In Progress, becomes Quote Complete when you complete it, and then Bound to Policy when it binds or Canceled when it is withdrawn (see Quote statuses). Pricing produces a rating result that’s stored on the quote. The quote also holds the proposed policy term (start and end dates), which carry over if the quote binds. Rating, completing and binding a quote are the steps of Rate, Quote, Bind.

What it connects to

Connects to	How
Submission	A new business or renewal quote belongs to exactly one submission.
Policy	When a quote is accepted, it binds into one policy. An endorsement, cancellation or reinstatement quote belongs to the policy it changes from the start. Many quotes can point at the same policy.
Exposures	A quote references the exposures it covers (many-to-many). The “primary insured” is a role within that set, not a separate relationship.

A new business or renewal quote sits in the middle of the chain: Submission → Quote → Policy. An endorsement, cancellation or reinstatement quote hangs from the policy it changes: Policy → Quote.

Every quote must have a parent, and its quoteType decides which — this is enforced.

`quoteType`	Parent	Required link
`newBusiness`, `renewal`	A submission	`referencingSubmission`
`endorsement`, `cancellation`, `reinstatement`	The policy it changes	`referencingPolicy`

In the app, the Create Submission button opens a new quote, and saving it creates the parent submission and this quote in one step. (Use New Quote to add further quotes to an existing submission.) Endorse, Cancel and Reinstate on a policy start a quote under that policy and create no submission.Through the API, the required link must name a record that already exists. A create that omits it, and an update that removes it, both return 400 with problem code EntityInvariantViolation. Its message names the missing parent: “A new business or renewal quote must belong to a submission.” or “An endorsement, cancellation, or reinstatement quote must reference the policy it amends.” Nothing is created on your behalf — there is no auto-generated wrapper submission. An endorsement, cancellation or reinstatement quote may also carry a submission link, but it does not need one.The submission link may be moved: repointing referencingSubmission at a different submission is a normal edit, as is moving a quote between submissions from the submission side. What is not allowed is leaving a new business or renewal quote with no submission at all, so an edit that would unparent one is rejected. To get rid of a quote, delete the quote.The one-way part matters: a submission with no quotes is perfectly valid for its whole life. See Submission for the other side of this flow.

Files, Notes & Contacts

In the app, a quote has Notes and Files tabs, but no Contacts tab. The full set of tabs is Details, Exposures, Forms, Notes, Activity, and Files. The Quotes feature reference explains each one. Note that the API is broader than the in-app tabs — see the overview.

Technical reference

API. Managed through the unified entity CRUD surface as quote. See the Entities API overview. A quote’s invoice settings and invoice plan have their own endpoints: see Quote invoicing. For companies that invoice, a quote also has an intended layer, the pricing-stack layer it is meant to bind at. Binding the quote, Check Bind Conditions and completing it check that the bind would leave the policy at that layer, and refuse a quote with none. Clear Quote Rating clears what the quote’s rating workflow wrote, pricing included, and saves the quote. The intended layer is stored apart from the quote’s fields, so entity reads never return it and updates never take it; a quote’s create can state it, with the quote’s invoice settings, in entityCreateOptions.pricingSetup. Rate Saved Quote by Id with saveToQuote: true saves a rating to the quote, and the update that completes a quote can generate its invoices with entityUpdateOptions.invoices: "generate".Framework-required fields.

Field	Notes
`quoteNumber`	Auto-generated.
`quoteStatus`	Defaults to `inProgress`.
`quoteType`	Option Set.
`primaryInsuredName`	Tenant-supplied.
`policyType`, `policyTimeZone`	Option Sets.
`description`	Free text.
`defaultRater`	Tenant-supplied (nullable).
`referencingSubmission`	The one submission this quote belongs to (singular; written on the quote). Required at create for new business and renewal; may be moved, never removed.
`referencingPolicy`	The policy this quote binds into, or for an endorsement, cancellation or reinstatement the policy it changes (singular; written on the quote). Required at create for those three types.
`referencingExposures`	Exposures this quote covers (tenant-defined expression).
`fullTermPricingInfo`, `fullTermPolicyRatingResult`	Objects carrying the proposed pricing contract and rating result.
`cancelReinstateDerivedPricing`	Read-only. On a cancellation or reinstatement quote, the pricing the platform derives for it: each charge at what it has earned by the cancellation date, or the pricing the policy had before its cancellation, with the tax adjustment InsCipher sources where your company uses it. It is what binding the quote would derive, before any charge the quote adds, and does not change `fullTermPricingInfo`. Every save of an open cancellation or reinstatement quote recalculates it from the policy as it stands; a save that cannot calculate it is refused with `422 cancel-reinstate-pricing-unavailable`. Null on other quotes, on one that names no date yet (it still saves, and the field fills once the date is set), and on one not saved since the field was added. A cancellation or reinstatement quote without `referencingPolicy` is refused with `400 EntityInvariantViolation`. Writes ignore a value you send.
`fullTermBillingInfo`	The proposed Billing Aggregate. A required, tenant-supplied Live calculation that derives the quote’s billing from its pricing. Writes ignore a value you send; see Quote billing calculations.
`policyStartDate`, `policyEndDate`	The proposed term, copied to the policy roots at bind.
`previousPolicy`	The expiring policy a renewal quote renews; the bind stamps the new policy’s `previousPolicy` join from it.

Additional fields are configured per company; discover them via the /entities/quote/configuration endpoint.

Overview

Insurance entities

Directory entities

How its data works

What it connects to

Files, Notes & Contacts