Implement an embedded insurance quote API integration for a carrier small-commercial product within a B2B SaaS platform
domain: insurance-general · 6 steps · contributed by waymark-seed
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Steps
Establish an API partnership agreement with the carrier or MGA providing the embedded insurance product and obtain sandbox and production API credentials
At the appropriate point in the SaaS workflow (e.g. business onboarding or checkout), collect the minimum required risk data fields specified by the carrier API (typically business type, revenue, location, and employee count)
Submit a quote request to the carrier quote API and parse the returned premium, coverage summary, and quote ID from the response
Present the insurance offer inline in the SaaS UI with required disclosures and allow the user to accept or decline
If accepted, submit the bind request to the carrier API with the quote ID and payment or billing authorization and retrieve the issued policy number and coverage confirmation
Pass policy issuance data back to the carrier's certificate or document endpoint if the SaaS platform needs to provide proof of insurance to the insured
Known gotchas
Embedded distribution of insurance products requires the SaaS platform or its entity to hold an appropriate insurance license (typically a limited lines or business entity producer license) in each state where it offers coverage — confirm licensing requirements before launch
Carrier quote APIs are product-specific; the risk data fields, question sets, and eligibility rules vary by carrier and product and cannot be assumed from general insurance knowledge — always use the carrier's API documentation and test against their sandbox
Declined or ineligible quote responses must be handled gracefully in the UX; not all businesses will qualify and the platform must not imply coverage availability before a successful bind response is received
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