Enrich a draft policy with underwriting and classification data.
Creates a new DRAFT cyber submission — Step 1 of the submission lifecycle (Base → Full → Quote).
The response returns policyKey and policyActivityKey. Persist both — they are required for Step 2 (POST /policies/submission/full).
The insured block accepts one of two mutually exclusive shapes:
insured.insureContacts.id to the contact identifier. Individual insured fields are ignored.companyName, domicileCountry, domicileState, and any mailing-address fields you have.insured, producer, policy.effectiveDate, policy.expiryDate, policy.currency, policy.product, policy.territory, directAssumed, typeOfBilling, division, writtenLine.
policyDescription; sectionIdentifier (id 1 = C&C, 2 = Non C&C — may be supplied early to pre-derive the underwriting template, becomes required at Step 2); referenceType (id 1 = EEA, 2 = Non-EEA, 3 = Both); class (risk code, code only); producingCompany (required when division is Mosaic Asta Europe); marketSource.
office, mop, and typeOfPlacementBespoke are never supplied by the caller — they are derived from division (and, for office, also from policy.product and class).
Reference fields are restricted per field: producer, policy.product, directAssumed, typeOfBilling, division, producingCompany, marketSource, and insured.insureContacts accept id only; policy.currency, policy.territory, and class accept code only; sectionIdentifier accepts id only (1 = C&C, 2 = Non C&C) and referenceType accepts id only (1 = EEA, 2 = Non-EEA, 3 = Both).
The call typically completes within 35–40 seconds.
Identifies the calling system or channel that originated this request. Used for traceability and auditing across the platform.
Example:S01x
Identifier of the end user on whose behalf this request is made, recorded for audit trail purposes.
Example:jsmith
Shell submission payload. Required: insured, producer, policy, directAssumed, typeOfBilling, division, writtenLine. For insured, use Option A (insureContacts.id) or Option B (individual fields) — not both.
Shell submission payload — Step 1 of the submission lifecycle (Base → Full → Quote). Reference fields are restricted per field: producer, directAssumed, typeOfBilling, division, producingCompany, marketSource, and insured.insureContacts accept id only; policy.currency, policy.territory, and class accept code only; sectionIdentifier and referenceType accept id only from their fixed value sets. office, mop, and typeOfPlacementBespoke are NOT part of the contract — they are derived/defaulted server-side from division (and, for office, also policy.product and class).
Required. Insured details; insureContacts.id identifies an existing insured contact, otherwise supply companyName + domicile country/state.
Required. Producer (broker) reference. Supply id (producer id only). Optionally include a contactliaison block to attach, create, or update the broker contact liaison recorded on the policy (see ContactLiaisonSubmission).
Required. Policy node (dates, currency, product, territory).
Required. Business type — id only (Direct or Assumed).
Required. id only.
Required. id only.
Required. Written line percentage (e.g. 100).
>= 1
Example:100
Optional. Free-text policy description. Defaulted/derived server-side when omitted.
Example:Cyber primary 2026 renewal
Optional at this step (becomes required at Step 2 — Full). Section identifier — id only (1 = C&C, 2 = Non C&C). Supply here to pre-derive the underwriting template.
Optional. Reference type — id only (1 = EEA, 2 = Non-EEA, 3 = Both). Conditional requirement applies at Step 2 (Full) when the producing entity (derived from division) is MSSL or MEEA.
Optional. Risk class — code only (e.g. { "code": "CY" }).
Optional. Producing company — id only. Required when division is Mosaic Asta Europe.
Optional. Market source — id only.
DRAFT submission created successfully. Save policyKey and policyActivityKey from the response — they are required for Step 2 (POST /policies/submission/full).
Response object containing cyber submission details including policy information, status, and reference keys
Current status of the policy
Allowed values:Quote PreparationPolicy UpdatedBoundDeclinedReferredQuote NTU
Example:Quote Preparation
Policy number assigned to the submission. Starts with ‘Q’ for quotes, ‘P’ for policies
Match pattern:^[QP]\d{7}$
Example:Q0038456
Business reference number for tracking purposes
Example:CYB-2026-001
Internal policy key identifier used for database references
Example:20894
Internal policy activity key identifier for tracking specific policy activities
Example:45632
Status of the current policy activity
Allowed values:ActiveCompletedPendingCancelledQuote NTU
Example:Active
Quote number assigned when the submission reaches quote stage.
Example:Q0021748
Adds underwriting and classification data to an existing draft submission — Step 2 of the submission lifecycle (Base → Full → Quote).
Pass the policyKey and policyActivityKey returned by POST /policies/submission/base as query parameters: ?policyKey={policyKey}&policyActivityKey={policyActivityKey}.
underWriter, mosaicOccupation, sectionIdentifier (optional at Step 1, required here).
referenceType — required when the submission’s producing entity (derived from division) is MSSL or MEEA (Mosaic Asta Europe).
umr, revTurnover (insured’s annual revenue/turnover), producingUnderwriter (defaults to underWriter when omitted), lloydsIndustrialSector (overrides the automatic derivation when supplied), sBFClass.
insured, producer, policy, directAssumed, typeOfBilling, division, writtenLine, policyDescription, class, producingCompany, marketSource may be re-supplied here — required only when calling /policies/submission/full standalone without a prior /policies/submission/base call.
office, mop, and typeOfPlacementBespoke are never supplied by the caller.
Reference fields are restricted per field: producer, mosaicOccupation, underWriter, producingUnderwriter, lloydsIndustrialSector, sBFClass, policy.product, directAssumed, typeOfBilling, division, producingCompany, marketSource, and insured.insureContacts accept id only; policy.currency, policy.territory, and class accept code only; sectionIdentifier accepts id only (1 = C&C, 2 = Non C&C) and referenceType accepts id only (1 = EEA, 2 = Non-EEA, 3 = Both).
The call typically completes within 40–60 seconds.
policyKey returned by Step 1 (/policies/submission/base)
Example:20793
policyActivityKey returned by Step 1 (/policies/submission/base)
Example:45632
Identifies the calling system or channel that originated this request. Used for traceability and auditing across the platform.
Example:S01x
Identifier of the end user on whose behalf this request is made, recorded for audit trail purposes.
Example:jsmith
Full submission payload. Required: underWriter, mosaicOccupation, sectionIdentifier. Conditional: referenceType. All other fields are optional.
Full submission payload — Step 2 of the submission lifecycle (Base → Full → Quote). Extends the Step 1 fields (all optional here, required only when calling this endpoint standalone without a prior /policies/submission/base call) with underwriting data. Required: underWriter, mosaicOccupation, sectionIdentifier. Conditional: referenceType (required when the producing entity, derived from division, is MSSL or MEEA). office, mop, and typeOfPlacementBespoke are NOT part of the contract — derived server-side.
Optional. Already on the DRAFT from Step 1; supply only when calling Full standalone.
Optional. Already on the DRAFT from Step 1. id only.
Optional. Already on the DRAFT from Step 1. Use the top-level policyDescription field for a free-text description.
Optional. id only.
Optional. id only.
Optional. id only.
Optional. Written line percentage (e.g. 100).
>= 1
Example:100
Optional. Free-text policy description. Defaulted/derived server-side when omitted.
Example:Cyber primary 2026 renewal
Optional. Risk class — code only (e.g. { "code": "CY" }).
Optional. Producing company — id only. Required when division is Mosaic Asta Europe.
Optional. Market source — id only.
Required. Section identifier — id only (1 = C&C, 2 = Non C&C).
Conditional. Reference type — id only (1 = EEA, 2 = Non-EEA, 3 = Both). Required when the producing entity (derived from division) is MSSL or MEEA.
Required. Underwriter — id only (e.g. { "id": "8842" }).
Required. Mosaic occupation — id only (e.g. { "id": "198" }).
Optional. Unique Market Reference.
Example:B1234567890
Optional. Insured’s annual revenue or turnover amount.
>= 0
Example:0
Optional. Producing underwriter — id only. Defaults to the submission underwriter when omitted.
Optional. Lloyd’s industrial sector — id only. When supplied, takes precedence over the server’s automatic derivation.
Optional. sBFClass — id only.
Full submission created successfully.
Response object containing cyber submission details including policy information, status, and reference keys
Current status of the policy
Allowed values:Quote PreparationPolicy UpdatedBoundDeclinedReferredQuote NTU
Example:Quote Preparation
Policy number assigned to the submission. Starts with ‘Q’ for quotes, ‘P’ for policies
Match pattern:^[QP]\d{7}$
Example:Q0038456
Business reference number for tracking purposes
Example:CYB-2026-001
Internal policy key identifier used for database references
Example:20894
Internal policy activity key identifier for tracking specific policy activities
Example:45632
Status of the current policy activity
Allowed values:ActiveCompletedPendingCancelledQuote NTU
Example:Active
Quote number assigned when the submission reaches quote stage.
Example:Q0021748
Creates a complete policy submission in a single call. Supports all lines of business.
This endpoint accepts all required fields (insured, producer, policy, underwriting data, etc.) in one request body.
insured, producer, policy (effectiveDate, expiryDate, currency, product, territory), directAssumed, typeOfBilling, division, writtenLine, sectionIdentifier, referenceType, typeOfPlacementBespoke, underWriter, mosaicOccupation, revTurnover.
referenceType — required when the submission’s producing entity (derived from division) is MSSL or MEEA.
producingCompany — required when division is Mosaic Asta Europe.
producingUnderwriter, lloydsIndustrialSector, sBFClass, policyDescription, class, marketSource, umr.
office, mop, and typeOfPlacementBespoke derivations are handled server-side.
The call typically completes within 40–60 seconds.
Identifies the calling system or channel that originated this request. Used for traceability and auditing across the platform.
Example:S01x
Identifier of the end user on whose behalf this request is made, recorded for audit trail purposes.
Example:jsmith
Policy creation payload. Supports all lines of business. Required: insured, producer, policy, directAssumed, typeOfBilling, division, writtenLine, sectionIdentifier, referenceType, typeOfPlacementBespoke, underWriter, mosaicOccupation, revTurnover.
Combines Shell (Step 1) and Full (Step 2) submission data.
Required: underWriter (id), revTurnover.
Shell fields (insured, producer, policy, directAssumed, typeOfBilling, division, writtenLine, sectionIdentifier, referenceType, typeOfPlacementBespoke, class) are required on first submission and optional on subsequent re-submissions (already on the draft).
Optional fields: producingUnderwriter (id), producingCompany (id), lloydsIndustrialSector (id), marketSource (id).
Per-line fields (ourRole, signedLinePercentage) are set via lines[] in quoteRequest.
Required. Underwriter who submitted the risk request — id only. Must be the underwriter with authority to write the business. Source: underwriter’s email or document.
Required. Mosaic occupation — id only. Required for all LOBs. Source: insured occupation lookup.
Conditional. Producing company — id only. Required when division is Mosaic Asta Europe (MAE).
Conditional. Lloyd’s Industrial Sector override — id only. Required for all LOBs. When supplied, takes precedence over the server’s automatic derivation (UC8). Leave blank to allow automatic derivation.
Required. Insured’s annual revenue or turnover (numeric). Required for CY, FI, PL and Casualty LOBs. Source: booking sheet or Tyche rater. Update if a more accurate figure is available at quote stage.
>= 0
Example:0
Required. Insured details — use insureContacts.id for an existing contact, or supply companyName + domicile fields for a new insured.
Required. Producer (broker) reference. Supply id (producer id only). Optionally include a contactliaison block to attach, create, or update the broker contact liaison recorded on the policy (see ContactLiaisonSubmission).
Required. Policy node (dates, currency, product, territory).
Required. Business type — id only (Direct or Assumed).
Required. id only.
Required. id only.
Written line percentage (numeric, e.g. 100). Default to 100 if not specified by the underwriter. If provided, enter the value from the underwriter’s email or document. For Agency Share %, enter the agency percentage here. Can be updated at any stage.
>= 1
Example:100
Optional. Free-text policy description. Defaulted/derived server-side when omitted.
Example:Cyber primary 2026 renewal
Required. Section identifier — id only (1 = C&C, 2 = Non C&C).
Required. Reference type — id only (1 = EEA, 2 = Non-EEA, 3 = Both).
Optional. Risk class — code only (e.g. { "code": "CY" }).
Required. Mosaic MOP / bespoke type of placement — id only.
Optional. Producing underwriter — id only. The underwriter who produced this submission.
Optional. Market source — id only.
Policy created successfully.
Response object containing cyber submission details including policy information, status, and reference keys
Current status of the policy
Allowed values:Quote PreparationPolicy UpdatedBoundDeclinedReferredQuote NTU
Example:Quote Preparation
Policy number assigned to the submission. Starts with ‘Q’ for quotes, ‘P’ for policies
Match pattern:^[QP]\d{7}$
Example:Q0038456
Business reference number for tracking purposes
Example:CYB-2026-001
Internal policy key identifier used for database references
Example:20894
Internal policy activity key identifier for tracking specific policy activities
Example:45632
Status of the current policy activity
Allowed values:ActiveCompletedPendingCancelledQuote NTU
Example:Active
Quote number assigned when the submission reaches quote stage.
Example:Q0021748
Declines a submission. Moves the policy to Submission Declined status.
Policy key
Policy activity key
Reason for declining submission
Identifies the calling system or channel that originated this request. Used for traceability and auditing across the platform.
Example:S01x
Identifier of the end user on whose behalf this request is made, recorded for audit trail purposes.
Example:jsmith
Policy declined successfully