AmTrust Commercial Lines API

openapi: 3.0.3
info:
  title: AmTrust Financial Services Commercial Lines API
  description: The AmTrust Commercial Lines API enables insurance agents, brokers, and technology partners to review appetite, generate quotes, and bind commercial lines policies. Supports workers' 
    compensation, BOP, general liability, and commercial package across 300+ eligible class codes.
  version: 1.0.0
  contact:
    name: AmTrust API Support
    url: https://amtrustfinancial.com/api
  termsOfService: https://amtrustfinancial.com/terms-of-use
  x-generated-from: documentation
externalDocs:
  description: AmTrust API Documentation
  url: https://amtrustfinancial.com/api
servers:
- url: https://api.amtrustservices.com
  description: AmTrust Production API
tags:
- name: Appetite
  description: Coverage appetite and eligibility checks
- name: Quotes
  description: Quote generation and management
- name: Policies
  description: Policy binding and management
- name: Authentication
  description: OAuth 2.0 token management
security:
- bearerAuth: []
paths:
  /oauth/token:
    post:
      operationId: getAccessToken
      summary: AmTrust Financial Services Get Access Token
      description: Obtain an OAuth 2.0 access token using client credentials. Tokens are valid for 4 hours and must be sent with all subsequent API requests via SSL encrypted connection.
      tags:
      - Authentication
      security: []
      requestBody:
        required: true
        content:
          application/x-www-form-urlencoded:
            schema:
              type: object
              required:
              - grant_type
              - client_id
              - client_secret
              properties:
                grant_type:
                  type: string
                  enum:
                  - client_credentials
                  description: OAuth 2.0 grant type
                  example: client_credentials
                client_id:
                  type: string
                  description: Client ID provided by AmTrust
                  example: your-client-id
                client_secret:
                  type: string
                  description: Client secret provided by AmTrust
                  example: your-client-secret
      responses:
        '200':
          description: Access token issued successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TokenResponse'
              examples:
                getAccessToken200Example:
                  summary: Default getAccessToken 200 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                getAccessToken401Example:
                  summary: Default getAccessToken 401 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /v1/appetite:
    post:
      operationId: checkAppetite
      summary: AmTrust Financial Services Check Coverage Appetite
      description: Check whether AmTrust has an appetite for a given risk based on business class code, state, and coverage type. Returns eligibility status and available products.
      tags:
      - Appetite
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AppetiteRequest'
      responses:
        '200':
          description: Appetite check result
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AppetiteResponse'
              examples:
                checkAppetite200Example:
                  summary: Default checkAppetite 200 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '400':
          description: Invalid request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                checkAppetite400Example:
                  summary: Default checkAppetite 400 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                checkAppetite401Example:
                  summary: Default checkAppetite 401 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /v1/quotes:
    post:
      operationId: createQuote
      summary: AmTrust Financial Services Create Quote
      description: Generate a commercial lines insurance quote for a given business. Supports workers' compensation, BOP, general liability, and commercial package products.
      tags:
      - Quotes
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/QuoteRequest'
      responses:
        '201':
          description: Quote created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteResponse'
              examples:
                createQuote201Example:
                  summary: Default createQuote 201 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '400':
          description: Invalid request data
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                createQuote400Example:
                  summary: Default createQuote 400 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                createQuote401Example:
                  summary: Default createQuote 401 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
    get:
      operationId: listQuotes
      summary: AmTrust Financial Services List Quotes
      description: Retrieve a list of quotes for the authenticated agent or broker account.
      tags:
      - Quotes
      parameters:
      - name: status
        in: query
        description: Filter quotes by status
        schema:
          type: string
          enum:
          - pending
          - quoted
          - bound
          - expired
      - name: page
        in: query
        description: Page number for pagination
        schema:
          type: integer
          default: 1
      - name: limit
        in: query
        description: Number of quotes per page
        schema:
          type: integer
          default: 20
      responses:
        '200':
          description: List of quotes
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteListResponse'
              examples:
                listQuotes200Example:
                  summary: Default listQuotes 200 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                listQuotes401Example:
                  summary: Default listQuotes 401 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /v1/quotes/{quote_id}:
    get:
      operationId: getQuote
      summary: AmTrust Financial Services Get Quote
      description: Retrieve the details of a specific quote by its ID.
      tags:
      - Quotes
      parameters:
      - name: quote_id
        in: path
        required: true
        description: Unique identifier of the quote
        schema:
          type: string
      responses:
        '200':
          description: Quote details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteResponse'
              examples:
                getQuote200Example:
                  summary: Default getQuote 200 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '404':
          description: Quote not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                getQuote404Example:
                  summary: Default getQuote 404 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /v1/quotes/{quote_id}/bind:
    post:
      operationId: bindPolicy
      summary: AmTrust Financial Services Bind Policy
      description: Bind a quoted policy to issue a commercial lines policy. Only available for eligible class codes that support online binding.
      tags:
      - Policies
      parameters:
      - name: quote_id
        in: path
        required: true
        description: Unique identifier of the quote to bind
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BindRequest'
      responses:
        '201':
          description: Policy bound successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PolicyResponse'
              examples:
                bindPolicy201Example:
                  summary: Default bindPolicy 201 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '400':
          description: Invalid bind request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                bindPolicy400Example:
                  summary: Default bindPolicy 400 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '404':
          description: Quote not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                bindPolicy404Example:
                  summary: Default bindPolicy 404 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /v1/policies/{policy_id}:
    get:
      operationId: getPolicy
      summary: AmTrust Financial Services Get Policy
      description: Retrieve the details of a bound commercial lines policy.
      tags:
      - Policies
      parameters:
      - name: policy_id
        in: path
        required: true
        description: Unique policy number
        schema:
          type: string
      responses:
        '200':
          description: Policy details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PolicyResponse'
              examples:
                getPolicy200Example:
                  summary: Default getPolicy 200 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
        '404':
          description: Policy not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                getPolicy404Example:
                  summary: Default getPolicy 404 response
                  x-microcks-default: true
                  value:
                    status: success
                    message: Operation completed
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 access token obtained from /oauth/token endpoint
  schemas:
    TokenResponse:
      type: object
      description: OAuth 2.0 token response
      properties:
        access_token:
          type: string
          description: Access token for API calls
          example: eyJhbGciOiJSUzI1NiJ9...
        token_type:
          type: string
          description: Token type
          example: Bearer
        expires_in:
          type: integer
          description: Token expiry in seconds (14400 = 4 hours)
          example: 14400
    AppetiteRequest:
      type: object
      description: Request to check coverage appetite
      required:
      - state
      - class_code
      - product_type
      properties:
        state:
          type: string
          description: US state abbreviation
          example: CA
        class_code:
          type: string
          description: NCCI or state class code for the business
          example: '8810'
        product_type:
          type: string
          description: Insurance product type
          enum:
          - workers_compensation
          - bop
          - general_liability
          - commercial_package
          example: workers_compensation
        payroll:
          type: number
          description: Annual payroll amount
          example: 500000
    AppetiteResponse:
      type: object
      description: Coverage appetite check result
      properties:
        eligible:
          type: boolean
          description: Whether AmTrust has appetite for this risk
          example: true
        products:
          type: array
          description: Available products for this risk
          items:
            type: string
          example:
          - workers_compensation
        bind_online:
          type: boolean
          description: Whether the policy can be bound online
          example: true
        reason:
          type: string
          description: Reason if not eligible
          example: Eligible for online quoting and binding
    QuoteRequest:
      type: object
      description: Request to create a commercial lines quote
      required:
      - product_type
      - state
      - effective_date
      - insured
      properties:
        product_type:
          type: string
          description: Insurance product type
          enum:
          - workers_compensation
          - bop
          - general_liability
          - commercial_package
        state:
          type: string
          description: US state abbreviation
          example: TX
        effective_date:
          type: string
          format: date
          description: Policy effective date
          example: '2025-07-01'
        expiration_date:
          type: string
          format: date
          description: Policy expiration date
          example: '2026-07-01'
        insured:
          $ref: '#/components/schemas/Insured'
        coverages:
          type: array
          description: Requested coverage details
          items:
            $ref: '#/components/schemas/Coverage'
        agent_id:
          type: string
          description: AmTrust agent identifier
          example: AGT-12345
    Insured:
      type: object
      description: Business insured information
      required:
      - name
      - address
      - class_code
      properties:
        name:
          type: string
          description: Legal business name
          example: Acme Contracting LLC
        fein:
          type: string
          description: Federal Employer Identification Number
          example: 12-3456789
        class_code:
          type: string
          description: NCCI or state class code
          example: '8810'
        address:
          $ref: '#/components/schemas/Address'
        years_in_business:
          type: integer
          description: Years the business has been operating
          example: 5
        payroll:
          type: number
          description: Total annual payroll
          example: 750000
        employee_count:
          type: integer
          description: Total number of employees
          example: 25
    Address:
      type: object
      description: Physical address
      required:
      - street
      - city
      - state
      - zip
      properties:
        street:
          type: string
          description: Street address
          example: 123 Main St
        city:
          type: string
          description: City
          example: Austin
        state:
          type: string
          description: State abbreviation
          example: TX
        zip:
          type: string
          description: ZIP code
          example: '78701'
    Coverage:
      type: object
      description: Coverage detail
      properties:
        type:
          type: string
          description: Coverage type
          example: employers_liability
        limit:
          type: number
          description: Coverage limit
          example: 1000000
        deductible:
          type: number
          description: Deductible amount
          example: 0
    QuoteResponse:
      type: object
      description: Quote response
      properties:
        quote_id:
          type: string
          description: Unique quote identifier
          example: QT-2025-78901
        status:
          type: string
          description: Quote status
          enum:
          - pending
          - quoted
          - bound
          - expired
          example: quoted
        premium:
          type: number
          description: Annual premium amount
          example: 8250.0
        product_type:
          type: string
          description: Insurance product type
          example: workers_compensation
        effective_date:
          type: string
          format: date
          description: Policy effective date
          example: '2025-07-01'
        expiration_date:
          type: string
          format: date
          description: Policy expiration date
          example: '2026-07-01'
        insured:
          $ref: '#/components/schemas/Insured'
        bind_online:
          type: boolean
          description: Whether this quote can be bound online
          example: true
        created_at:
          type: string
          format: date-time
          description: Quote creation timestamp
          example: '2025-03-15T14:30:00Z'
        expires_at:
          type: string
          format: date-time
          description: Quote expiration timestamp
          example: '2025-04-14T14:30:00Z'
    QuoteListResponse:
      type: object
      description: Paginated list of quotes
      properties:
        quotes:
          type: array
          items:
            $ref: '#/components/schemas/QuoteResponse'
        total:
          type: integer
          description: Total number of quotes
          example: 42
        page:
          type: integer
          description: Current page
          example: 1
        limit:
          type: integer
          description: Items per page
          example: 20
    BindRequest:
      type: object
      description: Request to bind a quoted policy
      required:
      - agent_signature
      properties:
        agent_signature:
          type: string
          description: Agent electronic signature confirming bind intent
          example: John Smith
        payment_method:
          type: string
          description: Payment method for premium
          enum:
          - direct_bill
          - agency_bill
          example: direct_bill
        additional_notes:
          type: string
          description: Optional notes for the policy
          example: Insured prefers monthly installments
    PolicyResponse:
      type: object
      description: Bound policy details
      properties:
        policy_number:
          type: string
          description: Unique AmTrust policy number
          example: WC-2025-001234
        status:
          type: string
          description: Policy status
          enum:
          - active
          - cancelled
          - expired
          example: active
        product_type:
          type: string
          description: Insurance product type
          example: workers_compensation
        premium:
          type: number
          description: Annual premium
          example: 8250.0
        effective_date:
          type: string
          format: date
          example: '2025-07-01'
        expiration_date:
          type: string
          format: date
          example: '2026-07-01'
        insured:
          $ref: '#/components/schemas/Insured'
        bound_at:
          type: string
          format: date-time
          example: '2025-03-15T15:00:00Z'
    ErrorResponse:
      type: object
      description: Error response
      properties:
        error:
          type: string
          description: Error code
          example: invalid_request
        message:
          type: string
          description: Human-readable error message
          example: Invalid class code for the specified state
        details:
          type: array
          items:
            type: string
          description: Additional error details