Create Policy

Creates a new policy directly, primarily for historical imports where policies need to be created without going through the quote→bind wizard flow.

Workflow:

1. Create insureds first via POST /insureds
2. Create the policy with insured references via this endpoint
3. The endpoint creates insured snapshots with the provided ratingInfo

Required fields:

• referenceId - Policy number (must be unique)
• startsAtDate, endsAtDate - Coverage dates
• type - Policy type (C, N, T, O, P, S, Q, R, A)
• billingPeriod - Billing frequency
• exposures - At least one exposure with exactly one having role: "primary"
• coverages - At least one coverage with valid coverageTypeId

Required permission: company.policy:create

POST /api/external/companies/{companyId}/policies

cURL

minimal

curl --request POST \
  --url https://app.aiinsurance.io/api/external/companies/{companyId}/policies \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "referenceId": "POL-2025-001",
  "startsAtDate": "2025-01-01",
  "endsAtDate": "2026-01-01",
  "type": "C",
  "billingPeriod": "annual",
  "exposures": [
    {
      "insuredId": "550e8400-e29b-41d4-a716-446655440200",
      "role": "primary",
      "joinDate": "2025-01-01",
      "terminationDate": "2026-01-01"
    }
  ],
  "coverages": [
    {
      "coverageTypeId": "550e8400-e29b-41d4-a716-446655440300"
    }
  ]
}
'

201

success

{
  "id": "550e8400-e29b-41d4-a716-446655440100"
}

Authorizations

Authorization · string · header · required

API key authentication. Include your API key in the Authorization header.

Path Parameters

companyId · string<uuid> · required

Company identifier

Body

application/json

referenceId · string · required

Policy number (must be unique per company)

startsAtDate · string<date> · required

Policy effective start date (YYYY-MM-DD)

endsAtDate · string<date> · required

Policy effective end date (YYYY-MM-DD)

type · enum<string> · required

Type of policy:

• C: Claims Made
• N: New Claims Made
• T: Tail
• O: Occurrence
• P: Occurrence + Claims Made
• S: Split (Half Claims Made/Occurrence)
• Q: Quota Share
• R: Occurrence + Claims Made + Tail
• A: Claims Made (Alternative)

Available options: C, N, T, O, P, S, Q, R, A

billingPeriod · enum<string> · required

Billing period for the policy

Available options: doNotSendBill, annual, quarterly, monthly

exposures · object[] · required

Exposures (insureds) to add to the policy. Exactly one must have role "primary".

Minimum array length: 1

Show child attributes

coverages · object[] · required

Coverages to add to the policy

Minimum array length: 1

Show child attributes

coverageTimezone · string

IANA timezone for coverage (e.g., "America/New_York"). Defaults to company default.

description · string

Policy description

premium · number

Total premium in dollars (overrides rating calculation)

brokerId · string<uuid>

ID of an existing broker to associate with this policy. Use POST /brokers to create a broker first.

data · object

Custom data fields for this policy. Keys must match fields from GET /policies/configuration. Values are strings or numbers.

Show child attributes

Response

201

application/json

Policy created successfully

id · string<uuid>

The ID of the created policy