A submission sends an application associated with a producer to one or more insurance institutions (carriers) and creates a quote for each requested product. Creating the submission using [.h-code]POST[.h-code] [.h-endpoint-link]/submissions[.h-endpoint-link] sends the application to each relevant institution to create a quote, and provides you with a [.h-code]quote_preview[.h-code] object for each requested product in the response. After creating the submission, you can get the quote details using our quote endpoint.
Creating a submission requires a [.h-code]producer_id[.h-code] and an application. The producer associated with the submission must have access to all of the requested products. The data you provide in the application object depends on which type of application you are using. If you are using a static application, you’ll need to include the products, risk values, and coverage values in the body of your request. If you are using the Dynamic Application, we pull the products, risk values, and coverage values using the application [.h-code]id[.h-code]. In order to make a submission with a Dynamic Application, the application must have a [.h-code]complete[.h-code] status.
The submission response always contains the [.h-code]producer_id[.h-code] and application you sent in, as well as a submission [.h-code]id[.h-code] and a [.h-code]quote_preview[.h-code] for each product. Each quote preview contains:
Here’s an example of a submission response for multiple products.
Once you've submitted an application, you cannot edit the submission. A quote based on that individual, unique submission. You can create new applications or resubmit an existing application, but this will always result in a new submission and a new quote (which does not always mean that the premium will be different).
The downside is that most carriers track each individual submission in their agent portal. Editing and re-submitting applications may result in a number of duplicative quotes in the carriers portal, which makes it a little difficult to keep track of which policies you've bound and which you should follow up on.
The amount of time it takes to get a quote can vary (by a few seconds) depending on the carrier. To get quote details, you can either use our quote endpoint or webhooks. Both methods require using the [.h-code]quote_id[.h-code] provided in the [.h-code]quote_previews[.h-code] array for each individual quote.