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Expert Insured - Policy Management System (with APIs)

Run your policy lifecycle end-to-end and connect anywhere with secure, well-documented APIs.

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Expert Insured (EI) is a modern policy management system for MGAs, wholesalers, and specialty carriers. Handle submissions, clearance, rating, bind, endorsements, documents, renewals, and reporting in one place-then push/pull data to your AMS/CRM, data vendors, or carrier platforms via secure APIs.

What’s inside

  • Submissions & Clearance: Create accounts, verify parties/addresses, run clearance, and track intake status.
  • Quoting & Bind: Orchestrate rating across markets, review terms/subjectivities, bind, and issue.
  • Endorsements & Renewals: Midterm changes, endorsements, reminders, and automated renewal workflows.
  • Documents: Loss runs, binders, policies, COIs, endorsements-stored, versioned, and e-delivered.
  • Payments: Quote-to-bind payments, refunds, and settlement reporting.
  • Reporting: Premium, loss, and operational dashboards; export to BI.

Integration APIs

  • Auth: OAuth2/OIDC (service and user tokens), short-lived access tokens, refresh rotation.
  • Webhooks: submission.accepted, quote.ready, bind.completed, document.ready (HMAC-signed).
  • Idempotency & Rate Limits: To protect workloads.
  • Data Protection: Per-tenant isolation; PII redaction; audit logs; retention policies.

How EI connects in your flow

Step 1
Create Insured & Submission

POST /v1/insureds & /v1/submissions with Idempotency-Key.

Step 2
Attach Documents

Upload Standard Insurance Forms, SOVs, COIs. Let IntakeAI normalize data.

Step 3
Rate (Async)

System rates asynchronously. Listen for quote.ready webhook.

Step 4
Select & Bind

Select a quote and bind. Await bind.completed event.

Step 5
Auto-Package Documents

Documents are auto-packaged. Fetch or receive via document.ready.

Step 6
Push to Downstream

Push data to AMS, CRM, BI tools via connectors or webhooks.

FAQ's

A full policy management system with secure APIs to integrate your stack.
Yes-request non-production keys with realistic data and rate limits.
HMAC-signed events with replay protection; rotate secrets without downtime.
TLS 1.3 in transit, AES-256 at rest, per-tenant isolation, field-level redaction, scoped access tokens, and full audit logs.
Semantic versioning; breaking changes in major versions with deprecation windows.

See how Expert Insured enhances your full-service ecosystem.

Read the API docs Start a sandbox Talk to product
  • RQB: Works with Expert Insured  for policy lifecycle and document retention.
  • Underwriter Link: Bind in UL, then store policies and endorsements in Expert Insured.
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