--- title: "Issue Policy" url: "https://apipartners.mosaicinsurance.com/apis/trident-ap-is-beta/versions/018fd555-bac2-494f-872b-ac47b74f1e75/operations/orchestratePolicy" --- > Full API specification: https://apipartners.mosaicinsurance.com/apis/trident-ap-is-beta/versions/018fd555-bac2-494f-872b-ac47b74f1e75.md # Issue Policy `POST` `/policy/issue` Operation ID: `orchestratePolicy` Runs the complete Mosaic submission pipeline (Shell → Full → Quote → Bind) in a single request, orchestrated by an internal state machine. **You send one payload — the platform handles all lifecycle stages internally.** There is no need to make separate calls for shell, full, quote, or bind. The shell step runs synchronously and returns `policyNo`, `policyKey`, and `policyActivityKey` in the response. The full, quote, and bind steps continue asynchronously — poll `GET /policies/orchestrate/{policyNo}/stepStatus` to track progress. ## Payload structure | Block | Purpose | Required? | |---|---|---| | `fullRequest` | Shell (account / policy / producer) + Full (underwriting) data | Yes | | `quoteRequest` | Pricing, sections, coverages, lines (includes bind-time & FON attributes per section/line) | Recommended | | `bindRequest` | Policy-level bind data (insured enrichment, sanction check, surplus broker, FON activity) | Recommended | ## Response timing The shell step typically completes within 35–40 seconds. Full, quote, and bind steps complete asynchronously. ## Header parameters - `X-Origination-Source` (string, required) - Identifies the calling system or channel that originated this request. Used for traceability and auditing across the platform. - `X-Audit-UserId` (string, required) - Identifier of the end user on whose behalf this request is made, recorded for audit trail purposes. ## Request body (required) Content types: `application/json` ## Responses - `202` - Base step succeeded; the full step is running asynchronously. - `500` - Base step failed (4xx upstream error or 5xx after retries). Use POST /retry after investigation. ## OpenAPI definition ```yaml openapi: 3.0.1 info: title: Trident APIs version: uat servers: - url: https://apinonprod.mosaicinsurance.com description: Generated server url paths: /policy/issue: post: security: - api_key: [] tags: - Policy summary: Issue Policy description: >- Runs the complete Mosaic submission pipeline (Shell → Full → Quote → Bind) in a single request, orchestrated by an internal state machine. **You send one payload — the platform handles all lifecycle stages internally.** There is no need to make separate calls for shell, full, quote, or bind. The shell step runs synchronously and returns `policyNo`, `policyKey`, and `policyActivityKey` in the response. The full, quote, and bind steps continue asynchronously — poll `GET /policies/orchestrate/{policyNo}/stepStatus` to track progress. ## Payload structure | Block | Purpose | Required? | |---|---|---| | `fullRequest` | Shell (account / policy / producer) + Full (underwriting) data | Yes | | `quoteRequest` | Pricing, sections, coverages, lines (includes bind-time & FON attributes per section/line) | Recommended | | `bindRequest` | Policy-level bind data (insured enrichment, sanction check, surplus broker, FON activity) | Recommended | ## Response timing The shell step typically completes within 35–40 seconds. Full, quote, and bind steps complete asynchronously. operationId: orchestratePolicy parameters: - $ref: "#/components/parameters/XOriginationSource" - $ref: "#/components/parameters/XAuditUserId" requestBody: description: "Container carrying the submission bodies for the TridentGlobalSubmission state machine: `fullRequest` (required; includes shell+full data), `quoteRequest` (quote + merged section-level bind attributes, optional), and `bindRequest` (policy-level bind, no sections, optional). Each object is forwarded verbatim to its matching step — use the same JSON the standalone endpoints accept." content: application/json: schema: $ref: "#/components/schemas/IssuePolicyRequest" examples: Complete Global Submission: summary: Example global submission with one quote section description: Complete Global Submission value: fullRequest: insured: companyName: Veritas Capital Test 3 domicileCountry: code: USA domicileState: code: NJ mailingAddress1: 1123 Cedar Street mailingAddressCity: Green Bay email: noemail@example.com zipCode: "75039" producer: id: "2000556" contactliaison: firstName: John lastName: Smith state: code: UT city: description: Green Bay region: description: GBR email: john.smith@broker.com phoneNo: +1-212-555-0100 faxNo: +1-212-555-0101 policy: effectiveDate: 2026-01-15 expiryDate: 2027-01-15 currency: code: USD product: id: "4" territory: code: GBR directAssumed: id: "1" typeOfBilling: id: "1" division: id: "2" writtenLine: 100 sectionIdentifier: id: "1" referenceType: id: "2" class: code: CY producingCompany: id: "2" typeOfPlacementBespoke: id: "1" underWriter: id: "2001685" producingUnderwriter: id: "2001685" mosaicOccupation: id: "792" revTurnover: 50000 lloydsIndustrialSector: id: "10" sBFClass: id: "7" policyDescription: UAT Test quoteRequest: summaryCurrency: code: USD typeOfCyberClauseStatus: id: "1" uSClassification: id: "3" uMR: B1234CYB2026020 noOfEmployees: 150 noOfPIIRecords: 300000 productTemplateSectionToAdd: Directors and Officers bindProbability: id: 5 sections: - description: Cyber Liability Third Party gELR: 50 typeOfLayer: id: "1" solvencyIIClass: id: "13" typeOfLimitBasis: id: "82" excess: 0 100%Limit: 1000000 aggregateLimit: 1000000 agreement: agreement: AGR0000202 agreementActivity: AGR0000202-23-09 agreementSection: "1" coverage: - code: SPL limitCurrency: code: USD limitOccurrence: 500000 limitAggregate: 500000 premium: 15000 premiumSplit%: 50 premiumCurrency: code: USD settlementCcy: code: USD premiumBasis: id: "1" typeofClaimBasis: id: "3" deduction: - deduction: id: "3" deductionRate: 30 typeOfDeductionPayable: id: "1" amountOfPremium: 50 - deduction: id: "53" deductionRate: 20 typeOfDeductionPayable: id: "2" amountOfPremium: 50 deductible: typeOfDeductible: id: "24" deductibleBasis: id: "10" allRiskDeductible: 1 conditions: - typeOfClause: id: "1" clauseCode: LSW 3001 clauseTitle: Cyber affirmation clause clauseNo: 2 reinstatements: reinstatementsApplicable: true unlimitedReinstatements: false noOfReinstatements: 1 availableReinstatements: 1 proRata: true reinstatementPercent: 100 regulatoryCoding: - code: 1E codeSplitPc: 50 overrideAgreementRiskCode: true marketSplit: - careerPercent: 60 carrier: code: "1609" carrierReference: MR-CYB-2026-001 - careerPercent: 25 carrier: code: "2010" carrierReference: MR-CYB-2026-002 - careerPercent: 15 carrier: code: "2610" carrierReference: MR-CYB-2026-002 riskAdjustedRateChange: 5 instalmentbasis: id: "1" paymentDays: 30 - description: Cyber Liability First Party gELR: 50 typeOfLayer: id: "1" solvencyIIClass: id: "13" typeOfLimitBasis: id: "84" excess: 1000000 100%Limit: 1000000 aggregateLimit: 1000000 agreement: agreement: AGR0000202 agreementActivity: AGR0000202-23-09 agreementSection: "1" coverage: - code: BRC limitCurrency: code: USD limitOccurrence: 500000 limitAggregate: 500000 premium: 15000 premiumSplit%: 50 premiumCurrency: code: USD settlementCcy: code: USD premiumBasis: id: "1" typeofClaimBasis: id: "5" - code: NBI limitCurrency: code: USD limitOccurrence: 500000 limitAggregate: 500000 premium: 15000 premiumSplit%: 50 premiumCurrency: code: USD settlementCcy: code: USD premiumBasis: id: "1" typeofClaimBasis: id: "5" waitingPeriodAmount: 25000 waitingPeriodMeasurement: id: 14 waitingPeriodTime: 12 deduction: - deduction: id: "3" deductionRate: 30 typeOfDeductionPayable: id: "1" amountOfPremium: 60 - deduction: id: "53" deductionRate: 20 typeOfDeductionPayable: id: "2" amountOfPremium: 40 deductible: typeOfDeductible: id: "25" deductibleBasis: id: "10" allRiskDeductible: 1 conditions: - typeOfClause: id: "1" clauseCode: CW3 clauseTitle: Type 3 Cyber War Clause clauseNo: 2 reinstatements: reinstatementsApplicable: true unlimitedReinstatements: false noOfReinstatements: 1 availableReinstatements: 1 proRata: true reinstatementPercent: 80 regulatoryCoding: - code: 1E codeSplitPc: 50 overrideAgreementRiskCode: true marketSplit: - careerPercent: 60 carrier: code: "1609" carrierReference: MR-CYB-2026-001 - careerPercent: 25 carrier: code: "2010" carrierReference: MR-CYB-2026-002 - careerPercent: 15 carrier: code: "2610" carrierReference: MR-CYB-2026-002 riskAdjustedRateChange: 5 instalmentbasis: id: "1" paymentDays: 30 - description: Electronic Fraud gELR: 50 typeOfLayer: id: "1" solvencyIIClass: id: "13" typeOfLimitBasis: id: "17" excess: 0 100%Limit: 1000000 aggregateLimit: 1000000 agreement: agreement: AGR0000202 agreementActivity: AGR0000202-23-09 agreementSection: "1" coverage: - code: FFT limitCurrency: code: USD limitOccurrence: 500000 limitAggregate: 500000 premium: 15000 premiumSplit%: 50 premiumCurrency: code: USD settlementCcy: code: USD premiumBasis: id: "1" typeofClaimBasis: id: "4" deduction: - deduction: id: "3" deductionRate: 30 typeOfDeductionPayable: id: "1" amountOfPremium: 50 - deduction: id: "53" deductionRate: 20 typeOfDeductionPayable: id: "2" amountOfPremium: 50 deductible: typeOfDeductible: id: "24" deductibleBasis: id: "1" allRiskDeductible: 1 conditions: - typeOfClause: id: "1" clauseCode: CW3 clauseCondition: Type 3 Cyber War Clause clauseNo: 2 reinstatements: reinstatementsApplicable: true unlimitedReinstatements: false noOfReinstatements: 1 availableReinstatements: 1 proRata: true reinstatementPercent: 100 regulatoryCoding: - code: 1E codeSplitPc: 50 overrideAgreementRiskCode: true marketSplit: - careerPercent: 60 carrier: code: "1609" carrierReference: MR-CYB-2026-001 - careerPercent: 25 carrier: code: "2010" carrierReference: MR-CYB-2026-002 - careerPercent: 15 carrier: code: "2610" carrierReference: MR-CYB-2026-002 riskAdjustedRateChange: 5 instalmentbasis: id: "1" paymentDays: 30 - description: TRIA gELR: 50 typeOfLayer: id: "1" solvencyIIClass: id: "13" typeOfLimitBasis: id: "84" excess: 0 100%Limit: 1000000 aggregateLimit: 1000000 agreement: agreement: AGR0000202 agreementActivity: AGR0000202-23-09 agreementSection: "1" coverage: - code: TRI limitCurrency: code: USD limitOccurrence: 500000 limitAggregate: 500000 premium: 15000 premiumSplit%: 50 premiumCurrency: code: USD settlementCcy: code: USD premiumBasis: id: "1" typeofClaimBasis: id: "3" deduction: - deduction: id: "3" deductionRate: 30 typeOfDeductionPayable: id: "1" amountOfPremium: 50 - deduction: id: "53" deductionRate: 20 typeOfDeductionPayable: id: "2" amountOfPremium: 50 deductible: typeOfDeductible: id: "25" deductibleBasis: id: "10" allRiskDeductible: 1 conditions: - typeOfClause: id: "1" clauseCode: LSW 3001 clauseCondition: Cyber affirmation clause clauseNo: 2 reinstatements: reinstatementsApplicable: true unlimitedReinstatements: false noOfReinstatements: 1 availableReinstatements: 1 proRata: true reinstatementPercent: 100 regulatoryCoding: - code: 1E codeSplitPc: 50 overrideAgreementRiskCode: true marketSplit: - careerPercent: 60 carrier: code: "1609" carrierReference: MR-CYB-2026-001 - careerPercent: 25 carrier: code: "2010" carrierReference: MR-CYB-2026-002 - careerPercent: 15 carrier: code: "2610" carrierReference: MR-CYB-2026-002 riskAdjustedRateChange: 5 instalmentbasis: id: "1" paymentDays: 30 lines: - underWriter: id: "2001685" typeOfBilling: id: "1" division: id: "2" writtenLine: 100 sBFClass: id: "7" producingUnderwriter: id: "2001685" ourRole: id: "1" bureauLead: id: "1" leadingInsurer: id: "1" lloydsPlatform: id: "1" isThirdPartyCapacityDeployed: true syndicateCapitalManagement: code: ACR signedLinePercentage: 100 claimsAgreementParty: true defenseCostsCovered: id: "1" actualDateWritten: 2026-02-15 dateSigned: 2026-02-15 policyLineReferenceOverride: PCY1051126AA bindRequest: prebindSanctionCheckComplete: true obligor: id: "2055225" territory: code: USA typeofRIBasis: id: "1" tailEffectiveDate: 2026-01-01 priorPending: 2026-01-01 priorActs: true retroactiveDate: 2026-01-01 insured: occupationSource: id: "5" occupation: code: "541211" issuanceAddressSameAsInsured: true policyholderType: id: "2" assetsUnderManagement: "5000000" assetSize: 100000 mailingAddressTo: Test mailingAddress1: 1123 Cedar Street mailingAddress2: 1123 Cedar Street mailingAddressCity: Green Bay "mailingAddressState ": code: "472" mailingAddressPostCode: "75039" canadianBusinessNumber: 123456789RC0001 taxIdPortugal: "501964843" taxIdItaly: "12345678901" taxIdSpain: B12345678 fein: 12-3456789 webSite: www.test.com surplusBroker: id: "2005760" typeOfAdmitted: id: "2" brokerLicense: SL-CA-12345 producerHomeState: code: CA slaNumber: AB123-26-00001 fon: fonDate: 2026-01-01 jurisdictionCountry: code: USA jurisdictionState: code: NJ riskRegulatoryLocation: code: USA programs: - programKey: id: "10" - programKey: id: "11" peerReviewRequest: checkedBy: id: 545 checkedDate: 2026-09-10 required: true responses: "202": description: Base step succeeded; the full step is running asynchronously. headers: Access-Control-Allow-Origin: schema: type: string Access-Control-Allow-Methods: schema: type: string Access-Control-Allow-Headers: schema: type: string content: application/json: schema: $ref: "#/components/schemas/GlobalSubmissionResponse" examples: Base Step Succeeded: summary: Base step succeeded description: Base Step Succeeded value: submissionId: 9b3f7c1c-1f0a-4e2d-9d7c-2e3a8b4c6d2e policyNo: Q0038456 policyKey: "20894" policyActivityKey: "45632" status: ACCEPTED message: Base submission succeeded. Full, quote and bind steps are running asynchronously. "500": description: Base step failed (4xx upstream error or 5xx after retries). Use POST /retry after investigation. headers: Access-Control-Allow-Origin: schema: type: string Access-Control-Allow-Methods: schema: type: string Access-Control-Allow-Headers: schema: type: string content: application/json: schema: $ref: "#/components/schemas/GlobalSubmissionResponse" examples: Base Step Failed: summary: Base step failed description: Base Step Failed value: submissionId: 9b3f7c1c-1f0a-4e2d-9d7c-2e3a8b4c6d2e status: FAILED message: "Base step failed: base /v1/trident/submission/base -> 500: ..." security: - api_key: [] components: parameters: XOriginationSource: name: X-Origination-Source in: header required: true description: Identifies the calling system or channel that originated this request. Used for traceability and auditing across the platform. schema: type: string example: S01x XAuditUserId: name: X-Audit-UserId in: header required: true description: Identifier of the end user on whose behalf this request is made, recorded for audit trail purposes. schema: type: string example: jsmith schemas: IssuePolicyRequest: type: object description: >- Single-call submission payload. Combines Shell + Full + Quote + Bind data so external consumers send everything once — the platform executes each stage internally in sequence. `fullRequest` is required and carries the insured/policy/producer identifiers (shell) plus underwriting enrichment (full). `quoteRequest` carries all pricing, section, and line data, including bind-time attributes for each section and line. `bindRequest` carries the policy-level bind attributes that are not tied to a specific section or line. required: - fullRequest properties: fullRequest: allOf: - $ref: "#/components/schemas/FullRequest" description: >- **Required.** Shell (Step 1) and Full (Step 2) data combined. **Required fields:** `underWriter` (id), `revTurnover`. **Required shell fields (first submission):** `insured`, `producer`, `policy` (effectiveDate, expiryDate, currency, product, territory), `directAssumed`, `typeOfBilling`, `division`, `writtenLine`, `sectionIdentifier`, `referenceType`, `typeOfPlacementBespoke`. Optional fields: `producingUnderwriter` (id), `producingCompany` (id), `lloydsIndustrialSector` (id). Per-line fields (`ourRole`, `signedLinePercentage`) belong in `quoteRequest.lines[]`. quoteRequest: allOf: - $ref: "#/components/schemas/QuoteRequest" description: >- Quote, FON, and bind attributes at the section and line level. **Required quote fields:** `sections` (array, at least one), `summaryCurrency` (code), `typeOfCyberClauseStatus` (id), `uSClassification` (id). Each entry in `sections[]` carries coverage lines, deductions, deductibles, reinstatements, regulatory coding, and bind-time attributes (instalmentbasis, paymentDays, premiumBasis, typeofClaimBasis). Each entry in `lines[]` represents an **agency** line and carries submission fields (underWriter, typeOfBilling, division, writtenLine, producingCompany, sBFClass), quote fields (ourRole, signedLinePercentage, producingUnderwriter, lloydsPlatform, bureauLead, isThirdPartyCapacityDeployed), FON fields (brokerOrderPercent, signedOrderPercent, policyLineReference), and bind fields (claimsAgreementParty, defenseCostsCovered, leaderPercent, leaderReference, actualDateWritten, dateSigned, policyLineReferenceOverride). Syndicate lines and derived fields (originating division/office, global-risk cross-reference, inclusive line) are handled by Trident. bindRequest: allOf: - $ref: "#/components/schemas/BindRequest" description: >- Policy-level bind attributes — **Key required fields:** `prebindSanctionCheckComplete`. Supply `insured` for bind-time enrichment (occupation, mailing address, TINs). Supply `surplusBroker` when risk premium originates from the United States. Supply `fon` for FON activity attributes (CY LOB only). `claimsAgreementParty` is a per-line attribute — supply it on each entry in `quoteRequest.lines[]`, not here. Section/line attributes (premiumBasis, typeofClaimBasis, instalmentbasis, leaderPercent, etc.) are carried in `quoteRequest` — not repeated here. GlobalSubmissionResponse: type: object description: Minimal response returned after the base Step Function completes. properties: submissionId: type: string format: uuid description: Correlation id for tracing the background full + quote executions in logs example: 9b3f7c1c-1f0a-4e2d-9d7c-2e3a8b4c6d2e policyNo: type: string description: Policy number produced by the base submission step example: Q0038456 policyKey: type: string description: Policy key produced by the base submission step, propagated to the async steps example: "20894" policyActivityKey: type: string description: Policy activity key produced by the base submission step example: "45632" status: type: string enum: - ACCEPTED - FAILED description: ACCEPTED means the full step is running in background; FAILED means the base step failed example: ACCEPTED message: type: string description: Human-readable message example: Base submission succeeded. The full step is running asynchronously. FullRequest: type: object description: >- 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: - insured - producer - policy - directAssumed - typeOfBilling - division - writtenLine - sectionIdentifier - referenceType - typeOfPlacementBespoke - underWriter - mosaicOccupation - revTurnover properties: underWriter: $ref: "#/components/schemas/IdReference" description: "**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." mosaicOccupation: $ref: "#/components/schemas/IdReference" description: "**Required.** Mosaic occupation — `id` only. Required for all LOBs. Source: insured occupation lookup." producingCompany: $ref: "#/components/schemas/IdReference" description: "**Conditional.** Producing company — id only. Required when division is Mosaic Asta Europe (MAE)." x-conditional-required: Required when division is Mosaic Asta Europe (MAE). lloydsIndustrialSector: $ref: "#/components/schemas/IdReference" description: "**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." x-conditional-required: Required for all LOBs. Leave blank to allow automatic derivation. revTurnover: type: integer minimum: 0 format: int32 description: "**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." example: 0 insured: $ref: "#/components/schemas/SubmissionInsured" description: "**Required.** Insured details — use `insureContacts.id` for an existing contact, or supply `companyName` + domicile fields for a new insured." producer: $ref: "#/components/schemas/SubmissionProducer" description: "**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)." policy: $ref: "#/components/schemas/SubmissionPolicy" description: "**Required.** Policy node (dates, currency, product, territory)." directAssumed: $ref: "#/components/schemas/IdReference" description: "**Required.** Business type — `id` only (Direct or Assumed)." typeOfBilling: $ref: "#/components/schemas/IdReference" description: "**Required.** `id` only." division: $ref: "#/components/schemas/IdReference" description: "**Required.** `id` only." writtenLine: type: integer minimum: 1 format: int32 description: 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. example: 100 policyDescription: type: string description: Optional. Free-text policy description. Defaulted/derived server-side when omitted. example: Cyber primary 2026 renewal sectionIdentifier: $ref: "#/components/schemas/SectionIdentifierRef" description: "**Required.** Section identifier — `id` only (1 = C&C, 2 = Non C&C)." referenceType: $ref: "#/components/schemas/ReferenceTypeRef" description: "**Required.** Reference type — `id` only (1 = EEA, 2 = Non-EEA, 3 = Both)." class: $ref: "#/components/schemas/CodeReference" description: 'Optional. Risk class — `code` only (e.g. `{ "code": "CY" }`).' typeOfPlacementBespoke: $ref: "#/components/schemas/IdReference" description: "**Required.** Mosaic MOP / bespoke type of placement — `id` only." producingUnderwriter: $ref: "#/components/schemas/IdReference" description: "**Optional.** Producing underwriter — `id` only. The underwriter who produced this submission." marketSource: $ref: "#/components/schemas/IdReference" description: Optional. Market source — `id` only. QuoteRequest: type: object description: Request body for POST /policies/quote — Step 3 of the submission lifecycle. required: - sections - summaryCurrency - typeOfCyberClauseStatus - uSClassification properties: summaryCurrency: $ref: "#/components/schemas/CodeReference" description: '**Required.** Summary (reporting) currency — `code` only (e.g. `{ "code": "USD" }`).' typeOfCyberClauseStatus: $ref: "#/components/schemas/IdReference" description: "**Required.** Type of Cyber clause status — `id` only. Enter Cyber clause details per the quote document. Leave blank if not available at quote stage." uSClassification: $ref: "#/components/schemas/IdReference" description: "**Required.** US classification — `id` only. Source: fiscal and regulatory section of the slip. Select 'Regulated' or 'Non-Regulated' when risk originates from the United States. Select 'Non-Regulated' when the risk does not originate from the United States. Leave blank if details are not yet available at quote stage (do not query)." uMR: type: string description: "Unique Market Reference. Required. Source: risk details section of the UK slip. Leave blank if not yet available." example: B1234CYB2026001 noOfEmployees: type: integer format: int32 example: 250 description: "Number of employees. **Required for CY, FI and PL LOBs.** Source: submission documentation or rater." noOfPIIRecords: type: integer format: int64 example: 100000 description: "Number of Personally Identifiable Information (PII) records held by the insured. **Required for CY LOB.** Source: submission documentation." productTemplateSectionToAdd: type: string description: This is section description as configured in XFI. Required to create section in XFI. Non-business field managed by orchestration layer. example: Directors and Officers bindProbability: type: string description: Bind probability expressed as a percentage string (e.g. '100%'). Indicates the likelihood the risk will proceed to bind. Supplied by the underwriter or front-end. example: 100% majorPeril: type: string description: Major peril description (e.g. 'Cyber Property'). Server-derived from the risk’s class; supply if known, otherwise leave blank for automatic derivation. example: Cyber Property sections: type: array description: "**Required.** One or two section objects. Each section represents one complete policy (all its layers/coverages grouped under the section for one agency entity). Supply **one section** for non-EEA risks (main Agency); supply **two sections** when the risk has an EEA component (main Agency + Mosaic Asta Europe). Each section must carry a `division.id` matching its corresponding `lines[]` entry. Trident uses the `division.id` per section to determine which XFI syndicate lines to associate via `sectionIncluded`: agency division → 1609+2610 lines; MAE division (7) → 5399+5431 lines. Bind-time attributes (instalmentbasis, paymentDays, premiumBasis, typeofClaimBasis) are included here." items: $ref: "#/components/schemas/Section" lines: type: array description: One entry per **agency** underwriting line (main Agency line; plus a Mosaic Asta Europe agency line when the risk has an EEA component). Each line carries submission fields (underWriter, typeOfBilling, division, writtenLine, producingCompany, sBFClass), quote fields (ourRole, signedLinePercentage, producingUnderwriter, lloydsPlatform, bureauLead, isThirdPartyCapacityDeployed, syndicateCapitalManagement, leadingInsurer), FON fields (brokerOrderPercent, signedOrderPercent), and bind fields (claimsAgreementParty, defenseCostsCovered, leaderPercent, leaderReference, actualDateWritten, dateSigned, policyLineReferenceOverride). Trident creates and populates the syndicate lines (1609/2610/5399/5431) internally; the front end does NOT send them. Derived fields (originating division/office, global-risk cross-reference, inclusive line) are computed by Trident. items: $ref: "#/components/schemas/Line" BindRequest: type: object description: >- Policy-level bind attributes. Supply everything that does not belong to a specific section or line. **Key required fields:** `prebindSanctionCheckComplete`. `claimsAgreementParty` is a per-line attribute — supply it on each entry in `quoteRequest.lines[]`, not here (XFI only exposes it at the policy-line level). Section/line attributes (premiumBasis, typeofClaimBasis, instalmentbasis, leaderPercent, etc.) are carried in `quoteRequest` — not repeated here. The optional `fon` block carries FON-stage policy-activity attributes (CY LOB only). The optional `surplusBroker` block is required for US-origin risks. properties: prebindSanctionCheckComplete: type: boolean description: "**Required.** Confirms the pre-bind sanction check has been completed. Set to `true` before proceeding to bind. The submission will be rejected if this check has not been completed." example: true obligor: $ref: "#/components/schemas/IdReference" description: Obligor contact reference — `id` only. majorPeril: $ref: "#/components/schemas/IdReference" description: Major peril classification — `id` only. Server-derived from the risk’s class; supply here to override the derivation. territory: $ref: "#/components/schemas/CodeReference" description: 'Territory of the risk — `code` only (e.g. `{ "code": "USA" }`). Represents the location of the risk, not the regulatory location. When multiple locations exist, use the country with the highest concentration of risk properties. Raise a query to the underwriter if the territory is unclear.' typeofRIBasis: $ref: "#/components/schemas/IdReference" description: Type of RI basis — `id` only. **Required for Assumed (RI) business.** Leave blank for Direct business. x-conditional-required: Required for Assumed (RI) business. priorPending: type: string format: date description: Prior and pending date (ISO 8601 date string, e.g. '2025-01-01'). **Required for CY LOB.** Leave blank for all other LOBs. example: 2026-01-01 x-conditional-required: Required for CY LOB. priorActs: type: boolean description: Whether prior acts cover applies to this risk. example: true retroactiveDate: type: string format: date description: Retroactive date (ISO 8601 date string). Only applicable when `priorActs` is `true`; leave blank when `priorActs` is `false`. **Required for PV, CY and PL LOBs.** Leave blank for all other LOBs. example: 2026-01-01 x-conditional-required: Applicable only when priorActs is true. insured: $ref: "#/components/schemas/InsuredEnrichment" description: >- Bind-time insured enrichment — occupation, mailing/issuance address, policyholder type, and TINs. **Required fields:** `occupationSource` (id), `occupation`, `mailingAddressCountry` (code). **Conditional required:** `mailingAddressState` (US/Canada); `webSite` (CY LOB); `assetsUnderManagement` + `assetSize` (FI LOB); `taxIdSpain` / `taxIdPortugal` / `taxIdItaly` / `canadianBusinessNumber` (where insured has exposure in those countries). surplusBroker: $ref: "#/components/schemas/SurplusBroker" description: >- Surplus lines and sub-producer details. **Required when risk premium originates from the United States.** **Required fields:** `typeOfAdmitted` (id, set to Surplus), `surplusLinesBroker` (id), `brokerLicense`, `producerHomeState` (code). Additionally required when `producerHomeState` is New Jersey: `slaNumber`. tailEffectiveDate: type: string format: date description: Tail effective date at policy-activity level (ISO 8601 date string). Leave blank unless a tail period applies to this risk. example: 2026-01-01 fon: $ref: "#/components/schemas/FonActivity" description: >- FON (Final Offer & Negotiation) policy-activity attributes. **CY LOB only.** **Required FON fields:** `fonDate` (date), `jurisdictionCountry` (code), `riskRegulatoryLocation` (code). **Conditional required:** `jurisdictionState` (code) for US risks. The regulatory risk location is found in the Fiscal & Regulatory section of the slip — this represents where the regulator deems the risk to be situated, NOT the territory field. programs: type: array description: RI program associations. Supply when the policy is part of one or more RI program structures. items: type: object required: - programKey properties: programKey: $ref: "#/components/schemas/IdReference" description: Program reference — `id` only. peerReviewRequest: type: object description: Peer review sign-off for the bind. properties: checkedBy: $ref: "#/components/schemas/IdReference" description: Reviewer contact reference — `id` only. checkedDate: type: string format: date description: Date the peer review was completed (ISO 8601 date string). example: 2026-09-10 required: - prebindSanctionCheckComplete IdReference: type: object description: Reference to a lookup-backed entity identified by `id` (the XFI lookup id, environment-specific). required: - id additionalProperties: false properties: id: type: string description: XFI lookup id — the canonical identifier (environment-specific). example: "260" SubmissionInsured: type: object description: >- Insured details for the shell submission. **Option A — Existing contact:** Set `insureContacts.id` to the XFI contact identifier. All other insured fields are ignored. **Option B — New insured:** Provide `companyName`, `domicileCountry`, `domicileState`, and any available mailing-address fields. `insureContacts` must be omitted. properties: companyName: type: string description: "**Required when creating a new insured** (i.e. `insureContacts` is not provided). Legal company name as stated in the submission documentation." x-conditional-required: Required when creating a new insured (insureContacts not provided). example: Veritas Capital domicileCountry: description: '**Required when creating a new insured.** Domicile country — **always send as `code`**, e.g. `{ "code": "USA" }`. Represents the country where the insured is legally domiciled.' example: code: USA properties: code: description: ISO country code or XFI country code. example: USA type: string required: - code type: object x-conditional-required: Required when creating a new insured (insureContacts not provided). domicileState: description: '**Required when creating a new insured** and the domicile country has state-level data. Domicile state — **always send as `code`**, e.g. `{ "code": "NY" }`.' example: code: NJ properties: code: description: State/province code. example: NY type: string required: - code type: object x-conditional-required: Required when creating a new insured (insureContacts not provided). mailingAddress1: type: string example: 123 Cedar Street mailingAddressCity: type: string example: Green Bay email: type: string format: email description: Optional if insureContacts is provided. example: underwriting@veritascap.com zipCode: type: string description: Post code / zip for the insured mailing address. **Required when creating a new insured** and the insured’s country uses postal codes. x-conditional-required: Required when creating a new insured and the country uses postal codes. example: "54304" obligor: $ref: "#/components/schemas/IdReference" description: Conditional — Political Risk only. Obligor contact reference — `id` only. insureContacts: $ref: "#/components/schemas/IdReference" description: 'Insured contact reference — `id` only (e.g. `{ "id": "2000887" }`). Use this to reference an existing insured in XFI. When supplied, all other insured fields (companyName, domicile, mailing address) are ignored.' SubmissionProducer: type: object description: Producer (broker) reference used on a submission. `id` identifies the producer (broker company). Optionally include a `contactliaison` block to attach, create, or update the broker contact liaison recorded on the policy. required: - id properties: id: type: string description: "**Required.** XFI contact key of the producer (broker company). `id` only." example: "2000556" contactliaison: $ref: "#/components/schemas/ContactLiaisonSubmission" description: Optional. Broker contact liaison to record on the policy. See ContactLiaisonSubmission for the attach/create/update behavior. SubmissionPolicy: type: object description: Policy node. effectiveDate, expiryDate, currency, product, territory are mandatory. required: - effectiveDate - expiryDate - currency - product - territory properties: effectiveDate: type: string format: date description: "**Required.** Policy effective date (ISO 8601). Source: policy terms section of the slip." example: 2024-01-01 expiryDate: type: string format: date description: "**Required.** Policy expiry date (ISO 8601). Source: policy terms section of the slip." example: 2025-01-01 currency: $ref: "#/components/schemas/CodeReference" description: "**Required.** Currency reference — `code` only (e.g. `USD`, `GBP`, `EUR`)." product: $ref: "#/components/schemas/IdReference" description: "**Required.** Product reference — `id` only." territory: $ref: "#/components/schemas/CodeReference" description: "**Required.** Territory reference — `code` only." SectionIdentifierRef: type: object description: Section identifier, identified by `id`. Ids are fixed and stable across all environments. required: - id additionalProperties: false properties: id: type: string enum: - "1" - "2" description: 1 = C&C, 2 = Non C&C. example: "1" ReferenceTypeRef: type: object description: Reference type, identified by `id`. Ids are fixed and stable across all environments. required: - id additionalProperties: false properties: id: type: string enum: - "1" - "2" - "3" description: 1 = EEA, 2 = Non-EEA, 3 = Both. example: "1" CodeReference: type: object description: Reference to a lookup-backed entity identified by `code` (the environment-stable business code). required: - code additionalProperties: false properties: code: type: string Section: type: object description: "A single section within a quote submission. The front end sends **at most two** section objects: one for the main Agency policy (MSSL/MAIS etc.), and one for the Mosaic Asta Europe (MAE) policy when the risk has an EEA component. Each section carries a `division.id` that identifies which agency line it belongs to. Trident uses this to determine which syndicate lines (1609/2610 for the agency section; 5399/5431 for the MAE section)." required: - division - agreement - typeOfLimitBasis - solvencyIIClass - excess - 100%Limit - coverage - typeOfLayer - regulatoryCoding - paymentDays - gELR properties: division: $ref: "#/components/schemas/IdReference" description: "**Required.** Agency division this section belongs to — `id` only. Must match the `division.id` supplied in the corresponding `lines[]` entry. Trident uses this to identify: (a) which XFI agency line to associate the section with, and (b) which syndicate lines to include (agency div → 1609+2610; MAE div 7 → 5399+5431)." description: type: string example: Cyber Liability - Primary Layer description: Section label (e.g. 'Cyber Liability - Primary Layer'). Use a descriptive name that identifies the layer type and coverage for internal reference. gELR: type: number format: double description: "**Required.** gELR (gross expected loss ratio) at section level (numeric, e.g. 50). Source: quote/bind documentation." example: 50 typeOfLayer: $ref: "#/components/schemas/IdReference" description: "**Required.** Type of layer — `id` only. Select 'Primary' if Mosaic takes the first layer in the tower; select '1st Excess' or higher for layers further up the tower. Default to 'Primary' if not specified by the underwriter. Source: quote email or documentation." solvencyIIClass: $ref: "#/components/schemas/IdReference" description: "**Required.** Solvency II class — `id` only. For CY LOB, select 'EP - Direct-General Liability'. Enter the risk code applicable for the class of business." typeOfLimitBasis: $ref: "#/components/schemas/IdReference" description: "**Required.** Type of limit basis — `id` only. Source: quote email or documentation. Default to 'In the Aggregate' if not specified. Determines the basis and frequency at which the limit can be applied." excess: type: number format: double description: "**Required.** Excess / attachment point for this section (numeric). Set to 0 for the Primary layer. Set to the attachment point value for Excess layers." example: 0 100%Limit: type: number format: double description: "**Required.** 100% limit for this section (numeric, gross pre-line). Source: quote documentation." example: 1000000 aggregateLimit: type: number format: double description: Optional. Aggregate limit for this section (numeric, gross pre-line). example: 1000000 agreement: $ref: "#/components/schemas/SectionAgreement" description: "**Required.** Agreement reference for this section. Identifies the binding authority agreement under which this section is written." coverage: type: array description: "**Required.** Coverage lines for this section. One entry per coverage type (e.g. SPL for Cyber Liability, BRC for Breach Response). Each coverage carries limits, premium, currencies, and bind-time attributes (premiumBasis, typeofClaimBasis)." items: $ref: "#/components/schemas/SectionCoverage" deduction: type: array description: "**Required for tax deductions.** Deduction lines for this section. For standard deductions (brokerage, commission), supply deduction + deductionRate. For tax deductions (TAXIDIR / TAXIRID / TAXIRIR), also populate amountOfPremium, typeOfTax, country, and contactCreation. One entry per deduction type (or per country for tax deductions)." items: $ref: "#/components/schemas/SectionDeduction" deductible: $ref: "#/components/schemas/Deductible" description: Deductible details for this section. conditions: type: array description: Clauses / conditions. items: $ref: "#/components/schemas/Condition" reinstatements: $ref: "#/components/schemas/Reinstatements" description: Reinstatement config. regulatoryCoding: type: array description: "**Required.** Regulatory coding / code split lines for this section. Add the Risk Classification Code set applicable for the agreement. All `codeSplitPc` values across all entries must sum to 100. Server defaults to the agreement’s risk classification code if not provided." items: $ref: "#/components/schemas/RegulatoryCoding" marketSplit: type: array description: Section-level market split — the carrier syndicates participating on this section and their percentage shares. All `careerPercent` values across all entries must sum to 100. items: $ref: "#/components/schemas/SectionMarketSplit" class: $ref: "#/components/schemas/CodeReference" description: "Bind-time. Section class — `code` only. Excess Casualty: XSC when policy reference suffix is AA; XCP (Punitive Damages) when suffix is AU." riskAdjustedRateChange: type: number format: double description: "Bind-time. **Required for renewal policies.** Risk Adjusted Rate Change percentage. Must not be 0% for renewals — query the underwriter if not provided. Source: quote/bind documentation." example: 5 instalmentbasis: $ref: "#/components/schemas/IdReference" description: "Optional. Instalment basis — `id` only (e.g. Annual, Quarterly, Monthly, Custom). Source: Premium Payment Terms section of the declaration slip. When set to Custom, also supply `customInstalments`, `instalmentCount`, and `instalmentPlan`." customInstalments: type: boolean description: "Optional. Set true for a custom (non-standard) instalment schedule. Depends on `instalmentbasis` — set true when `instalmentbasis` is Custom. When true: populate `instalmentCount` and `instalmentPlan`; set `overrideToSingle` to false." x-conditional-required: Required when instalmentbasis is set to Custom. example: false overrideToSingle: type: boolean description: Bind-time. Override to a single instalment. Mutually exclusive with `customInstalments` — must be false when customInstalments is true. example: false instalmentCount: type: integer format: int32 description: Optional. Number of custom instalments. Depends on `instalmentbasis` — required when `customInstalments` is true (i.e. when `instalmentbasis` is Custom). x-conditional-required: Required when customInstalments is true. example: 4 paymentDays: type: integer format: int32 description: "**Required.** Payment days from inception (typically 30 or 60 for MSSL)." example: 30 instalmentPlan: type: array description: Bind-time. Custom instalment schedule — required when customInstalments is true. All sharePercent values must sum to 100. items: $ref: "#/components/schemas/InstalmentEntry" Line: type: object description: >- A single **agency** policy line within a quote submission. Supply one element per underwriting **agency** line (one for the main Agency line; an additional one for the Mosaic Asta Europe agency line when the risk has an EEA component). **Front end supplies agency-line data only.** Trident retrieves all XFI-created lines (agency + syndicate) via *Get All Lines*, identifies each by Division ID (Agency = front-end `division.id`; MAE = 7; 1609 = 3; 2610 = 12; 5399 = 6; 5431 = 13), and propagates most agency-line values to the syndicate lines ("Same as Agency Line"). Derived-only fields (`originatingDivision`, `originatingOffice`, global-risk cross-reference, inclusive-line) are computed by Trident and are **not** part of this payload. Fields are grouped by stage: Submission → Quote → FON → Bind. properties: underWriter: $ref: "#/components/schemas/IdReference" description: "Submission. **Required.** Underwriter with authority to write the risk — `id` only. Provided per agency line. Trident copies this to the syndicate lines. Source: underwriter's email/document." typeOfBilling: $ref: "#/components/schemas/IdReference" description: Submission. **Required.** Type of billing — `id` only (default 'Producer billed'). Trident copies to syndicate lines. division: $ref: "#/components/schemas/IdReference" description: Submission. **Required.** Agency division — `id` only. Identifies the Mosaic entity binding this agency line (e.g. MSSL, MAIS; MAE = 7). Trident matches this against XFI *Get All Lines* to locate the agency line. Do NOT confuse with the top-level shell `division`. writtenLine: type: number format: double description: Submission. **Required.** Written line percentage for this agency line (a.k.a. Agency Share %). Default 100 if not supplied. XFI auto-generates `actualWrittenLine%` from this. Trident copies to syndicate lines. example: 100 producingCompany: $ref: "#/components/schemas/IdReference" description: Submission. **Conditional.** Producing company — `id` only. **Required when `division` = Mosaic Asta Europe (7)**; set to the relevant Non-EEA agency division (e.g. MSSL, MAIS). x-conditional-required: Required when division is Mosaic Asta Europe (7). sBFClass: $ref: "#/components/schemas/IdReference" description: Submission. SBF (Syndicate Business Forecast) class — `id` only (default Cyber). Provided per agency line; Trident copies to syndicate lines. producingUnderwriter: $ref: "#/components/schemas/IdReference" description: Quote. Producing underwriter for this line — `id` only. The underwriter who produced this line. Confirmed at bind by the stamp on the slip. ourRole: $ref: "#/components/schemas/IdReference" description: Quote. **Required.** Our role in the placement — `id` only. MAIS and Canada entities default to 'Sole Lead'. signedLinePercentage: type: number format: double description: "Quote. **Required.** Signed line percentage for this line. At quote, signed line equals written line; at bind it may be reduced (never exceeds written line). Note: for PV MAIS, Excess Casualty and Energy Liability, Syndicate 2610/5431 written & signed line are always 0%." example: 100 lloydsPlatform: $ref: "#/components/schemas/IdReference" description: Quote. Lloyd's platform — `id` only. Set for MAE (Lloyd's Brussels) and Singapore (Lloyd's Asia) divisions; otherwise leave blank. Provided per agency line. bureauLead: $ref: "#/components/schemas/IdReference" description: Quote. Bureau lead — `id` only. E.g. 'PV Portal' for PV MAIS; otherwise usually blank. Provided per agency line (moved from UW Defaults). isThirdPartyCapacityDeployed: type: boolean description: "Quote. Third-party capacity deployed — default `true` (most Mosaic risks are routed through SCM). **Agency/MAE lines: always checked.** Trident leaves this BLANK on syndicate lines (1609/2610/5399/5431)." example: true syndicateCapitalManagement: $ref: "#/components/schemas/IdReference" description: Quote. Conditional. SCM broker partner — `id` only. **Required when `isThirdPartyCapacityDeployed` = true.** Default 'Acrisure' at quote; updated at bind per the SCM tracker. Trident leaves this BLANK on syndicate lines. x-conditional-required: Required when isThirdPartyCapacityDeployed = true. leadingInsurer: $ref: "#/components/schemas/IdReference" description: "Quote/Bind. Conditional. Leading insurer — `id` only. Required when the slip leader is non-Lloyd's. Source: Subscription Agreement section of the slip." brokerOrderPercent: type: number format: double description: FON. Broker order percentage. Auto-calculated when written line and order are entered; updated on bind. example: 50 signedOrderPercent: type: number format: double description: "FON. Signed order percentage (SOP: always 100%). Kept in the API for simplicity." example: 100 claimsAgreementParty: type: boolean description: "Bind. **Required.** Whether Mosaic is the claims agreement party. Set `true` when Mosaic is sole/bureau lead or a claims agreement party. Set `false` otherwise. 2610/5431 lines are always `false`. Source: Claims Agreement Party section of the slip." example: true defenseCostsCovered: $ref: "#/components/schemas/IdReference" description: Bind. Defense costs covered — id only. **Required for PL LOB** (processed per the Defense Cost section). Provided per agency line. x-conditional-required: Required for PL LOB. leaderPercent: type: number format: double description: "Bind. **Required when the slip leader is non-Lloyd's.** Leader percentage. Source: Subscription Agreement section of the slip." example: 25 x-conditional-required: Required when the slip leader is non-Lloyds. leaderReference: type: string description: "Bind. Leader reference. Populated when the slip leader is non-Lloyd's. Source: Subscription Agreement section of the slip." example: LDR-2026-001 actualDateWritten: type: string format: date description: Bind. **Required.** Date the underwriter agreed/stamped the slip. Found with the stamp on the slip. example: 2026-07-01 dateSigned: type: string format: date description: Bind. **Required.** Signed date as stamped on the slip. Trident copies to syndicate lines. example: 2026-07-01 policyLineReferenceOverride: type: string description: "Bind. **Required.** Base syndicate policy line reference (a.k.a. Reference Override) supplied by the front end. Trident derives the agency and parallel-syndicate references from this: agency lines increment the trailing alphabetic character (…AA → AB); parallel syndicate lines (2610/5431) replace the trailing character with an incrementing numeral (…AA → A1)." example: PWT3876925AA InsuredEnrichment: type: object description: Bind-time insured enrichment fields (Step 4 only). Carries the additional insured attributes entered in XFI at bind — occupation, LOB-specific details, issuance address, policyholder type, and tax identification numbers. The core contact fields (companyName, domicile, mailing address) are already on the draft from Step 1 and do not need to be re-sent. properties: occupationSource: $ref: "#/components/schemas/IdReference" description: "**Required.** Occupation source — `id` only. Identifies the source system used for the occupation lookup (e.g. D&B). Source: XFI Contact (General) > Insured section." occupation: $ref: "#/components/schemas/CodeReference" description: "**Required.** Insured occupation — `code` only. Enter as sourced from D&B lookup or submission documentation." assetsUnderManagement: type: string description: "**Required for FI LOB.** Assets under management (string). Source: booking sheet or Tyche rater." x-conditional-required: Required for FI LOB. example: "500000000" assetSize: type: string description: "**Required for FI LOB.** Asset size (string). Source: booking sheet or Tyche rater." x-conditional-required: Required for FI LOB. example: "1000000000" webSite: type: string description: "**Required for CY LOB.** Insured website URL. Source: submission documentation or insured." x-conditional-required: Required for CY LOB. example: https://www.veritascap.com policyholderType: $ref: "#/components/schemas/IdReference" description: "Policyholder type — `id` only. Source: fiscal/regulatory section of the slip." issuanceAddressSameAsInsured: type: boolean description: Set `true` to copy the insured address to the issuance address (Direct business). Set `false` and supply `issuanceTo`, `issuanceAddress1`, `issuanceCity`, etc. for Assumed / RI business. example: true issuanceTo: type: string description: "**Conditional.** Reassured name on the issuance address — populate when issuanceAddressSameAsInsured is false." example: Munich Re x-conditional-required: Required when issuanceAddressSameAsInsured is false. issuanceAddress1: type: string description: "**Conditional.** Issuance address line 1 — populate when issuanceAddressSameAsInsured is false." example: Koeniginstrasse 107 x-conditional-required: Required when issuanceAddressSameAsInsured is false. issuanceAddress2: type: string description: "**Conditional.** Issuance address line 2 — populate when issuanceAddressSameAsInsured is false." example: PO Box 123 x-conditional-required: Required when issuanceAddressSameAsInsured is false. issuanceCity: type: string description: "**Conditional.** Issuance address city — populate when issuanceAddressSameAsInsured is false." example: Munich x-conditional-required: Required when issuanceAddressSameAsInsured is false. issuanceState: $ref: "#/components/schemas/IdReference" description: "**Conditional.** Issuance address state — `id` only. Populate when issuanceAddressSameAsInsured is false." x-conditional-required: Required when issuanceAddressSameAsInsured is false. issuancePostCode: type: string description: "**Conditional.** Issuance address post code — populate when issuanceAddressSameAsInsured is false." example: "80802" x-conditional-required: Required when issuanceAddressSameAsInsured is false. issuanceDateReviewed: type: string format: date description: "**Conditional.** Date the issuance address was reviewed — populate when issuanceAddressSameAsInsured is false." example: 2026-07-01 mailingAddress2: type: string description: Second mailing address line. example: Suite 400 mailingAddressCountry: $ref: "#/components/schemas/CodeReference" description: "**Required.** Insured mailing address country — `code` only. Also mandatory for BDX reporting when insured has exposure in Spain, Portugal, Italy, or Canada." mailingAddressState: $ref: "#/components/schemas/CodeReference" description: "**Required for US and Canada insureds.** Mailing address state — `code` only." x-conditional-required: Required for US and Canada insureds. mailingAddressPostCode: type: string description: Insured mailing address post code / zip. Supply for US insureds and any other country where postal codes apply. example: "54302" fein: type: string maxLength: 10 description: Federal Employer Identification Number (US). example: 12-3456789 taxIdSpain: type: string maxLength: 9 description: Spanish Tax Identification Number (NIF/NIE). Mandatory per Lloyd's coverholder reporting standard when insured has Spain exposure. example: A12345678 taxIdItaly: type: string maxLength: 16 description: Italian Tax Identification Number (Codice Fiscale). Mandatory per Lloyd's coverholder reporting standard when insured has Italy exposure. example: RSSMRA85T10A562S taxIdPortugal: type: string maxLength: 9 description: Portuguese Tax Identification Number (NIF). Mandatory per Lloyd's coverholder reporting standard when insured has Portugal exposure. example: "123456789" canadianBusinessNumber: type: string maxLength: 9 description: Canadian Business Number (BN). Required for any Canadian insured or where risk is located in Canada. Does NOT apply when a Canadian broker is involved in the placement. example: 123456789RT0001 required: - occupationSource - occupation - mailingAddressCountry SurplusBroker: type: object description: "Surplus and sub-producer details for US-origin risks. Required when risk premium originates from the United States. Note: `surplusLinesBroker` is the surplus lines broker entity — distinct from the main insurance producer in `SubmissionRequest.producer`." properties: typeOfAdmitted: $ref: "#/components/schemas/IdReference" description: "**Required (US-origin risks).** US admitted classification — `id` only. Set to 'Surplus' for US surplus lines business. Source: fiscal/regulatory section of the slip." x-conditional-required: Required when risk premium originates from the United States. surplusLinesBroker: $ref: "#/components/schemas/IdReference" description: "**Required (US-origin risks).** Surplus lines broker entity — `id` only. Search and match in XFI by broker name and address. If not found, request addition via the WNS leads process." x-conditional-required: Required when risk premium originates from the United States. brokerLicense: type: string description: "**Required (US-origin risks).** Surplus lines broker licence number as stated on the slip. Query the broker directly if the licence number is missing." example: SL-CA-12345 x-conditional-required: Required when risk premium originates from the United States. slaNumber: type: string description: "**Required when producerHomeState is New Jersey.** NJ SLA Transaction Number. Format: {5-character SLA}-{YY}-{5-digit sequence} (e.g. 'AB123-26-00001')." example: AB123-26-00001 x-conditional-required: Required when producerHomeState is New Jersey. producerHomeState: $ref: "#/components/schemas/CodeReference" description: "**Required (US-origin risks).** State of filing (producer home state) — `code` only. Source: fiscal/regulatory section of the slip." x-conditional-required: Required when risk premium originates from the United States. FonActivity: type: object description: FON (Final Offer & Negotiation) attributes at the policy activity level. CY LOB only. Carries FON date, jurisdiction details, and regulatory location for the insured risk. properties: fonDate: type: string format: date description: "**Required for FON stage.** The date the Final Offer & Negotiation was completed (ISO 8601 date, e.g. '2026-07-01'). Provided by the front-end system." example: 2026-01-15 jurisdictionCountry: $ref: "#/components/schemas/CodeReference" description: "**Required.** Jurisdiction country — `code` only. The country where the insured risk is located. Found in the Fiscal & Regulatory section of the slip. This is NOT the same as the `territory` field." jurisdictionState: $ref: "#/components/schemas/CodeReference" description: "**Required for US risks.** Jurisdiction state — `code` only. The state where the US-domiciled insured risk is located. Provided by the front-end for US-origin submissions." x-conditional-required: Required for US risks. riskRegulatoryLocation: $ref: "#/components/schemas/CodeReference" description: "**Required.** Regulatory risk location — `code` only. Where the regulator deems the risk to be situated, as stated in the Fiscal & Regulatory section of the slip. This is NOT the territory; the two fields serve different regulatory purposes." required: - fonDate - jurisdictionCountry - riskRegulatoryLocation ContactLiaisonSubmission: type: object description: >- Broker contact liaison recorded under the producer for this submission. The platform resolves this block one of three ways: 1. **Update by key** — supply `contactliaisonid.id` (an existing liaison key). That liaison is updated in place with the `email`, `phoneNo`, and `mobilePhone` values provided; the platform targets it directly without searching by name. `firstName` + `lastName` must also be supplied. 2. **Update by name match** — omit `contactliaisonid`. When `firstName` + `lastName` match an existing liaison under the producer, that liaison is updated in place. 3. **Create** — omit `contactliaisonid` and supply a `firstName` + `lastName` that do not match any existing liaison; a new liaison is created. `firstName` and `lastName` are required in all three cases. required: - firstName - lastName properties: contactliaisonid: $ref: "#/components/schemas/IdReference" description: Optional. Existing contact liaison key (id only). When supplied, the platform attaches that liaison and all individual fields become optional. Omit to create or update by name match. firstName: type: string description: Required when creating a new contact (Mode B). First name of the broker contact person. example: John lastName: type: string description: Required when creating a new contact (Mode B). Last name of the broker contact person. example: Smith email: type: string format: email description: Required when creating a new contact (Mode B). Email address of the liaison. example: Yes@example.com phoneNo: type: string description: Required when creating a new contact (Mode B). Office/landline phone number of the liaison. example: "9000000000" mobilePhone: type: string description: Optional. Mobile / cell phone number of the liaison. example: 899 898 09 faxNo: type: string description: Optional. Fax number of the liaison. example: "45" state: type: object description: 'Optional. State where the liaison is located. Always send as code, e.g. { "code": "UT" }.' properties: code: type: string example: UT example: code: UT city: type: object description: 'Optional. City where the liaison is located. Always send as description, e.g. { "description": "Green Bay" }.' properties: description: type: string example: Green Bay example: description: Green Bay region: type: object description: 'Optional. Region of the liaison. Always send as description, e.g. { "description": "GBR" }.' properties: description: type: string example: GBR example: description: GBR example: firstName: John lastName: Smith email: Yes@example.com phoneNo: "9000000000" mobilePhone: 899 898 09 faxNo: "45" state: code: UT city: description: Green Bay region: description: GBR contactliaisonid: id: "1234" SectionAgreement: type: object description: Agreement reference for a quote section. required: - agreement - agreementActivity - agreementSection properties: agreement: type: string description: "**Required.** Agreement code (e.g. 'AGR0000159'). The Mosaic binding authority agreement under which this section is written." example: AGR0000159 agreementActivity: type: string description: "**Required.** Agreement activity code (e.g. 'AGR0000159-22-01'). The specific year/version of the agreement activity." example: AGR0000159-22-01 agreementSection: type: string description: "**Required.** Agreement section identifier (e.g. '1'). Identifies the section within the agreement activity." example: "1" SectionCoverage: type: object description: Coverage line within a quote section. required: - limitCurrency - limitOccurrence - limitAggregate - premium - premiumCurrency - settlementCcy - premiumBasis - typeofClaimBasis properties: code: type: string description: Coverage type code (e.g. SPL = Cyber Liability, BRC = Breach Response Cost). Identifies which coverage this line represents within the section. example: SPL limitCurrency: $ref: "#/components/schemas/CodeReference" description: "**Required.** Limit currency — `code` only. The currency in which the coverage limits are denominated, as stated in the quote documentation." limitOccurrence: type: number format: double description: "**Required.** Per-occurrence limit for this coverage (numeric, 100% basis). Source: quote documentation." example: 500000 limitAggregate: type: number format: double description: "**Required.** Aggregate limit for this coverage (numeric, 100% basis). Source: quote documentation." example: 500000 premium: type: number format: double description: "**Required.** 100% gross premium for this coverage (numeric). If the underwriter provides a total premium without per-coverage splits, divide it equally across coverages or use the percentages supplied by the underwriter." example: 15000 premiumSplit%: type: number format: double description: Premium split percentage for this coverage line (numeric). Represents this coverage’s share of the total section premium. example: 50 premiumCurrency: $ref: "#/components/schemas/CodeReference" description: "**Required.** Premium currency — `code` only. The currency in which the premium is denominated, as stated in the quote documentation." settlementCcy: $ref: "#/components/schemas/CodeReference" description: "**Required.** Settlement currency — `code` only. Options are restricted to the currencies available for the selected agreement. Default to match the premium/limit currency when not specified. Exception: Dubai division always settles in USD regardless of limit or premium currency." premiumBasis: $ref: "#/components/schemas/IdReference" description: "**Required.** Premium basis — `id` only (e.g. Flat, M&D). Source: Premium Payment Terms section of the declaration slip." typeofClaimBasis: $ref: "#/components/schemas/IdReference" description: "**Required.** Claims basis — `id` only. LOB rules: PV = LOD; CY/PL = CMD; FI PI/D&O/EPLI = CM; FI BB/7T = LD; Excess Casualty = LOD (occurrence risk codes) or CM (claims-made risk codes)." waitingPeriodAmount: type: number format: double description: Optional. Waiting period amount for this coverage (numeric). example: 25000 waitingPeriodMeasurement: $ref: "#/components/schemas/IdReference" description: Optional. Waiting period measurement unit — `id` only. waitingPeriodTime: type: number description: Optional. Waiting period duration expressed in the selected measurement unit (numeric). example: 12 SectionDeduction: type: object description: >- Deduction (brokerage / commission) or tax deduction line within a quote section. For tax deductions (deduction code TAXIDIR, TAXIRID, or TAXIRIR), populate the additional tax fields: amountOfPremium, typeOfTax, country, contactCreation. Record one entry per country in the tax schedule, including countries with 0% tax (use a Non-taxable entry). required: - deduction - deductionRate - amountOfPremium properties: deduction: $ref: "#/components/schemas/IdReference" description: Deduction type reference — id only. deductionRate: type: number format: double example: 20 typeOfDeductionPayable: $ref: "#/components/schemas/IdReference" description: Optional. Type of deduction payable — id only. manualOverride: type: boolean description: Optional. Set `true` to enable manual override of the deduction rate in XFI. Must be enabled before editing any deduction value. example: true amountOfPremium: type: number format: double description: "**Required.** Premium allocation amount for this country entry (numeric, 100% basis). Represents the portion of the total premium attributable to this country." example: 15000 typeOfTax: $ref: "#/components/schemas/IdReference" description: Type of tax — `id` only (e.g. Insurance Premium Tax). From the tax schedule on the slip. country: $ref: "#/components/schemas/CodeReference" description: "**Required.** Country for this tax entry — `code` only. Spain, Portugal, Italy and Canada require mandatory entries per Lloyd’s coverholder reporting standards." contactCreation: $ref: "#/components/schemas/TaxContactCreation" description: Optional. Supply when the insured contact for this country is not found in XFI. Required for Spain, Portugal, Italy and Canada per Lloyd's coverholder reporting standard. Deductible: type: object description: Deductible details for a quote section (single object, not an array). required: - typeOfDeductible - deductibleBasis properties: typeOfDeductible: $ref: "#/components/schemas/IdReference" description: Type of deductible — id only. deductibleBasis: $ref: "#/components/schemas/IdReference" description: Deductible basis — id only. allRiskDeductible: type: integer description: Optional. All-risk deductible indicator for this section — `1` when an all-risk deductible applies. example: 1 Condition: type: object description: Clause / condition attached to a quote section. properties: typeOfClause: $ref: "#/components/schemas/IdReference" description: Type of clause — id only. clauseCode: type: string description: Clause code. example: LMA5400 clauseCondition: type: string description: Clause description. example: Cyber affirmation clause Reinstatements: type: object description: Reinstatement configuration for a quote section. properties: reinstatementsApplicable: type: boolean example: true unlimitedReinstatements: type: boolean example: false noOfReinstatements: type: integer format: int32 example: 1 availableReinstatements: type: integer format: int32 example: 1 proRata: type: boolean example: true reinstatementPercent: type: number format: double example: 100 RegulatoryCoding: type: object description: Regulatory coding (code split) line within a quote section. required: - code - codeSplitPc properties: code: type: string description: "**Required.** Regulatory / risk classification code (e.g. 'E2', '7T'). Source: the agreement’s risk classification code set." example: E2 codeSplitPc: type: number format: double description: "**Required.** Code split percentage for this regulatory coding entry (numeric). All entries across the section must sum to 100." example: 50 overrideAgreementRiskCode: type: boolean description: Set `true` to override the agreement’s default risk code with this entry. Default is `false`. example: false gELR: type: number format: double description: Optional. gELR (gross expected loss ratio) for this regulatory coding entry, when it differs from the section-level `gELR`. example: 50 SectionMarketSplit: type: object description: A single carrier entry in a section-level market split. properties: careerPercent: type: number format: double description: Carrier percentage share for this section. All entries across the section's marketSplit must sum to 100. example: 60 carrier: $ref: "#/components/schemas/CodeReference" description: 'Carrier syndicate — `code` only (e.g. `{ "code": "1609" }`).' carrierReference: type: string description: Carrier's own policy reference. example: MR-CYB-2026-001 InstalmentEntry: type: object description: A single entry in a custom instalment plan. required: - dueDate - sharePercent properties: dueDate: type: string format: date description: Due date for this instalment. example: 2026-08-01 sharePercent: type: number format: double description: Percentage of total premium due on this date. All entries across the instalmentPlan must sum to 100. example: 25 TaxContactCreation: type: object description: Insured contact details to create in XFI for a specific tax-country entry. Required for Spain, Portugal, Italy and Canada when the insured record is not already present in XFI. properties: contactType: type: string description: XFI contact type. example: Company companyName: type: string description: Insured company name for this country. example: Veritas Capital Spain S.L. mailingAddressCountry: $ref: "#/components/schemas/CodeReference" description: Mailing address country — `code` only. mailingAddress1: type: string description: Mailing address line 1. example: Calle Gran Via 28 mailingAddress2: type: string description: Mailing address line 2. example: Planta 3 city: type: string description: City. example: Madrid state: $ref: "#/components/schemas/CodeReference" description: State — `code` only. postCode: type: string description: Post code. example: "28013" securitySchemes: api_key: type: apiKey name: x-api-key in: header ```