At-Bay

At-Bay Partner API

End-to-end Partner REST API (v2) for the At-Bay quote-to-bind-to-renew workflow. Supports three insurance products selected via the `insurance_product` field on the policy object: CYB (Surplus Cyber), TEO (Surplus Tech E&O), and MPL (Surplus MPL). Core operations: POST /quotes to submit a new quote, GET /quotes/{quote_identifier} polled every 10 seconds until status leaves `quote_pending` (typical p90 under 40 seconds), bind/referral/update operations, document upload and download, auto-renewal pause, plus webhook registration and verification for asynchronous status callbacks. JWT bearer authentication; production at api.at-bay.com/v2 and demo at api-demo.at-bay.com/v2. Production submissions are subject to Broker-of-Record (BOR) clearance — duplicate domains/addresses within 60 days are blocked; the demo environment bypasses BOR.

At-Bay Partner API is published by At-Bay on the APIs.io network, described by a machine-readable OpenAPI specification.

This API exposes 5 machine-runnable capabilities that can be deployed as REST, MCP, or Agent Skill surfaces via Naftiko and 2 JSON Schema definitions.

Tagged areas include Insurance, Cyber Insurance, Quoting, Binding, and Policy Lifecycle. The published artifact set on APIs.io includes API documentation, an API reference, an OpenAPI specification, a JSON-LD context, 5 Naftiko capability specs, and 2 JSON Schemas.

Documentation GitHub OpenAPI

OpenAPI Specification

openapi: 3.0.3
info:
  title: At-Bay Partner API
  version: '2.0'
  description: >-
    REST API for At-Bay's quote-to-bind-to-renew workflow across Surplus Cyber
    (CYB), Surplus Tech E&O (TEO), and Surplus Miscellaneous Professional
    Liability (MPL). Authenticated with a JWT bearer token. Quote creation is
    asynchronous — POST /quotes returns a quote_identifier that is polled via
    GET /quotes/{quote_identifier} every ~10 seconds until the status leaves
    `quote_pending`. Production submissions are subject to At-Bay's
    Broker-of-Record (BOR) clearance process; the demo host bypasses BOR.
  contact:
    name: At-Bay Partnerships
    email: [email protected]
    url: https://developers.at-bay.com
  termsOfService: https://www.at-bay.com/legal/
servers:
  - url: https://api.at-bay.com/v2
    description: Production
  - url: https://api-demo.at-bay.com/v2
    description: Demo
tags:
  - name: Quotes
    description: Create, poll, and bind insurance quotes.
  - name: Documents
    description: Upload submission documents and download generated policy documents.
  - name: Policies
    description: Manage bound policies including renewal behavior.
  - name: Webhooks
    description: Register webhook endpoints for asynchronous status callbacks.
  - name: Health
    description: API health check.
paths:
  /quotes:
    post:
      tags: [Quotes]
      summary: Create A Quote
      description: >-
        Submit a new quote request for one of the supported insurance products
        (CYB, TEO, or MPL). Returns a quote_identifier and company_id; poll
        GET /quotes/{quote_identifier} every 10 seconds until status changes.
      operationId: createQuote
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/QuoteRequest'
      responses:
        '202':
          description: Quote request accepted and queued.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteAck'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '409':
          description: Submission blocked by Broker-of-Record clearance.
  /quotes/{quote_identifier}:
    get:
      tags: [Quotes]
      summary: Find A Quote
      description: Retrieve current status and details for a quote.
      operationId: getQuote
      parameters:
        - name: quote_identifier
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Quote details.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Quote'
        '404':
          $ref: '#/components/responses/NotFound'
  /quotes/{quote_identifier}/bind:
    post:
      tags: [Quotes]
      summary: Bind A Quote
      description: Request binding of an open quote into an active policy.
      operationId: bindQuote
      parameters:
        - name: quote_identifier
          in: path
          required: true
          schema:
            type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BindRequest'
      responses:
        '202':
          description: Bind request accepted; poll the quote for `policy_active`.
        '409':
          description: Quote not in a bindable status.
  /quotes/{quote_identifier}/documents:
    get:
      tags: [Documents]
      summary: Get Quote Documents Metadata
      description: List documents available for a quote at its current status.
      operationId: listQuoteDocuments
      parameters:
        - name: quote_identifier
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Document metadata list.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/Document'
  /quotes/{quote_identifier}/documents/{document_id}:
    get:
      tags: [Documents]
      summary: Download Quote Document
      description: Download a single document for the given quote.
      operationId: downloadQuoteDocument
      parameters:
        - name: quote_identifier
          in: path
          required: true
          schema:
            type: string
        - name: document_id
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Binary document payload.
          content:
            application/pdf:
              schema:
                type: string
                format: binary
  /documents:
    post:
      tags: [Documents]
      summary: Upload A Document
      description: Upload supporting documents for a quote (loss runs, applications, etc.).
      operationId: uploadDocument
      requestBody:
        required: true
        content:
          multipart/form-data:
            schema:
              type: object
              properties:
                quote_identifier:
                  type: string
                file:
                  type: string
                  format: binary
      responses:
        '201':
          description: Document uploaded.
  /policies/{policy_id}/pause-auto-renewal:
    post:
      tags: [Policies]
      summary: Pause Auto Renewal
      description: >-
        Change the allowed renewal type of the given policy to manual so no
        auto-renewal will be created.
      operationId: pauseAutoRenewal
      parameters:
        - name: policy_id
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Auto-renewal paused.
  /webhooks:
    get:
      tags: [Webhooks]
      summary: List Webhooks
      description: Get information about registered webhooks for the partner.
      operationId: listWebhooks
      responses:
        '200':
          description: Registered webhooks.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/Webhook'
    post:
      tags: [Webhooks]
      summary: Register A Webhook
      description: Register a callback URL for asynchronous quote and policy status events.
      operationId: registerWebhook
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WebhookRegistration'
      responses:
        '201':
          description: Webhook registered.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Webhook'
  /webhooks/{webhook_id}:
    delete:
      tags: [Webhooks]
      summary: Unregister A Webhook
      description: Remove a previously registered webhook.
      operationId: unregisterWebhook
      parameters:
        - name: webhook_id
          in: path
          required: true
          schema:
            type: string
      responses:
        '204':
          description: Webhook removed.
  /webhooks/secret:
    put:
      tags: [Webhooks]
      summary: Set Webhook Secret
      description: Rotate or set the shared secret used to sign webhook callbacks.
      operationId: setWebhookSecret
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                secret:
                  type: string
      responses:
        '200':
          description: Secret updated.
  /health:
    get:
      tags: [Health]
      summary: Health Check
      description: Lightweight liveness probe for the API.
      operationId: getHealth
      responses:
        '200':
          description: API is healthy.
          content:
            application/json:
              schema:
                type: object
                properties:
                  status:
                    type: string
                    example: ok
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
  responses:
    BadRequest:
      description: Request payload validation failed.
    Unauthorized:
      description: Missing or invalid bearer token.
    NotFound:
      description: Resource not found.
  schemas:
    QuoteRequest:
      type: object
      required: [client, policy]
      properties:
        client:
          $ref: '#/components/schemas/Client'
        policy:
          $ref: '#/components/schemas/PolicyDetails'
        broker:
          $ref: '#/components/schemas/Broker'
    Client:
      type: object
      properties:
        name:
          type: string
        domain:
          type: string
        revenue:
          type: number
        industry_code:
          type: string
        address:
          $ref: '#/components/schemas/Address'
    Address:
      type: object
      properties:
        line1:
          type: string
        city:
          type: string
        state:
          type: string
        zip:
          type: string
    PolicyDetails:
      type: object
      required: [insurance_product]
      properties:
        insurance_product:
          type: string
          enum: [CYB, TEO, MPL]
          description: CYB = Surplus Cyber, TEO = Surplus Tech E&O, MPL = Surplus MPL.
        effective_date:
          type: string
          format: date
        coverage_limit:
          type: integer
        retention:
          type: integer
    Broker:
      type: object
      properties:
        broker_id:
          type: string
        agency_id:
          type: string
    QuoteAck:
      type: object
      properties:
        quote_identifier:
          type: string
        company_id:
          type: string
        status:
          type: string
          example: quote_pending
    Quote:
      type: object
      properties:
        quote_identifier:
          type: string
        company_id:
          type: string
        status:
          type: string
          enum:
            - quote_pending
            - quote_referred
            - quote_open
            - quote_bind_requested
            - quote_declined
            - quote_expired
            - quote_revoked
            - quote_not_bound
            - policy_active
            - policy_cancelled
            - policy_expired
        insurance_product:
          type: string
          enum: [CYB, TEO, MPL]
        premium:
          type: number
        coverage_limit:
          type: integer
        retention:
          type: integer
        effective_date:
          type: string
          format: date
        expiration_date:
          type: string
          format: date
    BindRequest:
      type: object
      properties:
        effective_date:
          type: string
          format: date
        accepted_terms:
          type: boolean
    Document:
      type: object
      properties:
        document_id:
          type: string
        type:
          type: string
          description: e.g. application, quote-letter, policy, binder, endorsement, invoice.
        filename:
          type: string
        created_at:
          type: string
          format: date-time
    WebhookRegistration:
      type: object
      required: [url, events]
      properties:
        url:
          type: string
          format: uri
        events:
          type: array
          items:
            type: string
            description: e.g. quote.updated, quote.bound, policy.activated, policy.expired.
    Webhook:
      type: object
      properties:
        webhook_id:
          type: string
        url:
          type: string
        events:
          type: array
          items:
            type: string
        created_at:
          type: string
          format: date-time
security:
  - bearerAuth: []

At-Bay Partner API

Documentation

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OpenAPI Specification