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Policies.

Policies are the core resource. Every submission flows through a state machine with 17 validated transitions from draft to cancellation.

Lifecycle States

draftsubmittedquotedreferredboundissuedactiveservicingrenewedcancelleddeclinedexpirednon_renewed

Endpoints

POST /v1/submissions Create a new submission

POST /v1/submissions/:id/rate Rate a submission

POST /v1/submissions/:id/bind Bind a quoted submission

GET /v1/policies List policies

GET /v1/policies/:id Get policy details

POST /v1/policies/:id/endorse Create an endorsement

POST /v1/policies/:id/renew Initiate renewal

POST /v1/policies/:id/cancel Cancel a policy

Bind Artifacts

When a policy is bound, the system atomically generates: an installment schedule, a declarations page (HTML/PDF), a policy-bound notification email, and a first-invoice email. All artifacts are deterministic and auditable.

Endorsements

Endorsements create temporal segments on the policy timeline. Pro-rata premium adjustments are split into past-period (already earned) and future-period (billing going forward) components. Backdated endorsements re-derive all downstream segments automatically.