--- title: "QuoteRequest" url: "https://apipartners.mosaicinsurance.com/apis/trident-ap-is-beta/versions/018fd555-bac2-494f-872b-ac47b74f1e75/schemas/QuoteRequest" --- > Full API specification: https://apipartners.mosaicinsurance.com/apis/trident-ap-is-beta/versions/018fd555-bac2-494f-872b-ac47b74f1e75.md # QuoteRequest Request body for POST /policies/quote — Step 3 of the submission lifecycle. ## OpenAPI definition ```yaml openapi: 3.0.1 info: title: Trident APIs version: uat servers: - url: https://apinonprod.mosaicinsurance.com description: Generated server url components: schemas: 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 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" 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 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" 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" ```