V1.0.0

Getting Started

OpenInsure is a high-performance insurance infrastructure designed for P&C program administrators. This guide covers authentication, core resources, and your first API call.

Base URL

https://api.openinsure.dev/v1

All endpoints are versioned. Sandbox environments use the same base URL with a test API key.

1. Get Your API Key

API keys are scoped to your organization. Generate one from your admin dashboard or request one during onboarding.

Authorization Header

Authorization: Bearer oi_live_sk_...

2. Create Your First Policy

Policies are the core resource. Every quote, endorsement, claim, and billing event is attached to a policy.

POST /v1/submissions

{
  "lob": "COMMERCIAL_AUTO",
  "insured_name": "Acme Trucking LLC",
  "state": "TX",
  "effective_date": "2026-03-01",
  "vehicle_count": 12,
  "usdot_number": "1234567"
}

3. Rate and Bind

Once a submission is created, the rating engine calculates premium automatically. Bind when ready.

Response

{
  "id": "pol_928374",
  "status": "bound",
  "gross_premium": 11847.23,
  "rating_version": "2026.03.1",
  "agents_active": ["Submission", "Policy"],
  "ledger_sync": "confirmed"
}

Core Resources

Submissions Quote intake and rating Policies Lifecycle management Claims FNOL through closure Rating Deterministic factor chains Webhooks Event subscriptions Authentication API keys and JWT

Full API reference available at Capabilities. For support, email support@openinsure.dev