GET_QUOTES

Summary

The GET_QUOTES event is used to request insurance quotes for a product. When triggered, the system orchestrates multiple rating actions (such as IOI_RATING, VERISK, VERISK_ALGO, or BUNDLE_RATING) based on the product configuration and returns calculated premiums, coverages, taxes, and fees.

Key behaviors:

Automatically creates or updates a client record with the provided intake data (unless batchMode: true)
Supports both synchronous and asynchronous response modes via the forceSync parameter
Can execute multiple rating actions in parallel and aggregate results
Returns quotes with detailed premium breakdowns, coverage information, and any applicable messages

When and what fires this event?

If this event is defined on a product, and it has actions that are enabled:

CoPilot: fires this event when a new quote is requested in the Account Builder
Storefront: fires this event at the end of client intake
Fired externally via API on-demand

Request

Endpoint

POST https://api.{ENV}.dais.com/ioi/v3/event/fire

Or via the internal trigger endpoint:

POST /pub/v1/trigger/fire

Headers

Header	Value	Required
`Content-Type`	`application/json`	Yes
`Authorization`	`Bearer <token>` or `Basic <credentials>`	Yes

Request Body

curl --location --request POST 'https://api.{ENV}.dais.com/ioi/v3/event/fire' \
--header 'Authorization: Basic <yourAuthHere>' \
--header 'Content-Type: application/json' \
--data-raw '{
    "type": "GET_QUOTES",
    "lineId": "<lineId>",
    "forceSync": true,
    "source": {
        "organizationId": "<organizationId>",
        "sourceType": "STOREFRONT",
        "storefrontId": "<storefrontId>"
    },
    "payload": {
        "clientId": "<clientId>",
        "effectiveDate": "2026-02-01",
        "intake": {
            "<questionKey>": {
                "answer": "<answer>",
                "questionId": "<questionId>",
                "questionKey": "<questionKey>"
            }
        }
    }
}'

{
  "type": "GET_QUOTES",
  "lineId": "262e67be-c08c-43c0-bb51-06fe4408b4e9",
  "forceSync": true,
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT",
    "storefrontId": "bb0e8400-e29b-41d4-a716-446655440000"
  },
  "agencyCodes": [
    {
      "carrierId": "11111111-1111-1111-1111-111111111111",
      "carrierName": "Some Carrier",
      "contractCodeSetName": "AGENCY_CODES_SET",
      "agencyCodeData": {
        "agencyCode": "AG12345",
        "subProducerCode": "SUB999"
      }
    }
  ],
  "payload": {
    "clientId": "220c4020-7f20-4a16-ba51-d0945804dd83",
    "effectiveDate": "2026-02-01",
    "requestSource": "QUOTE",
    "referrer": "partner-website",
    "intake": {
      "business_name": {
        "answer": "Acme Corp",
        "questionId": "q1",
        "questionKey": "business_name"
      },
      "state": {
        "answer": "CA",
        "questionId": "q2",
        "questionKey": "state"
      },
      "employee_count": {
        "answer": "50",
        "questionId": "q3",
        "questionKey": "employee_count"
      }
    },
    "asConfiguredAtTimestamp": "2022-05-24T19:04:24.1Z"
  }
}

Request Fields

Field	Type	Required	Description
`triggerRequestId`	string (UUID)	No	Unique identifier for tracking this request. If not provided, the system auto-generates one.
`type`	string	Yes	Must be `GET_QUOTES`.
`lineId`	string (UUID)	Yes	The product/line identifier to get quotes for.
`productVersionId`	string (UUID)	No	Specific product version to use for rating. If not provided, the system fetches the currently deployed version from the hosting service.
`versionSystemSource`	string	No	Specifies where to fetch the product version from. See versionSystemSource Values.
`forceSync`	boolean	No	Controls response behavior. See Understanding forceSync. Default: `false`.
`batchMode`	boolean	No	If `true`, skips the automatic `CREATE_OR_UPDATE_CLIENT` action. Default: `false`.
`batchId`	string (UUID)	No	Identifier for batch processing operations.
`filterByOrganizations`	array	No	Array of organization UUIDs. Limits which rating actions are executed based on organization ownership.
`eventTargets`	array	No	Array of action/event UUIDs. Limits execution to only the specified actions.
`source`	object	Yes	Information about the request source. See source Object.
`agencyCodes`	array	No	Array of agency code configurations for carrier-specific routing. See agencyCodes Array.
`payload`	object	Yes	The quote request data including client information and intake answers. See payload Object.

Understanding forceSync

The forceSync parameter is critical for determining how the API responds to your request. It controls whether the system waits for all rating actions to complete before returning.

When `forceSync: true` (Synchronous Mode)

The API waits for all rating actions to complete and returns the quotes directly in the response.

Response behavior:

The API call blocks until all configured rating actions finish
The metadata.quotes array contains all generated quotes
Longer response time (depends on number and complexity of rating actions)

Example response with forceSync: true:

{
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "executedActionCount": 4,
  "expectedResponseCount": 3,
  "metadata": {
    "CREATE_OR_UPDATE_CLIENT": {
      "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
      "intake": {}
    },
    "quotes": [
      {
        "id": "ee0e8400-e29b-41d4-a716-446655440000",
        "actionType": "IOI_RATING",
        "type": "QUOTE",
        "quoteDetails": {
          "premium": { "amount": 5250.00, "currency": "USD" }
        }
      }
    ]
  }
}

When `forceSync: false` (Asynchronous Mode - Default)

The API returns immediately after triggering the rating actions. Quotes are processed in the background and posted asynchronously.

Response behavior:

The API returns quickly after initiating the actions
The metadata.quotes array is NOT present in the response
Use expectedResponseCount to know how many quotes will be generated

Example response with forceSync: false:

{
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "executedActionCount": 4,
  "expectedResponseCount": 3,
  "metadata": {
    "CREATE_OR_UPDATE_CLIENT": {
      "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
      "intake": {}
    }
  }
}

source Object

Field	Type	Required	Description
`organizationId`	string (UUID)	Yes	The organization making the request.
`sourceType`	string	Yes	Type of the requesting system. See sourceType Values.
`storefrontId`	string (UUID)	No	Required when `sourceType` is `STOREFRONT`.

agencyCodes Array

Each item in the agencyCodes array represents agency code configuration for a specific carrier.

Field	Type	Required	Description
`carrierId`	string (UUID)	Yes	The carrier's unique identifier.
`carrierName`	string	No	Human-readable carrier name for reference.
`contractCodeSetName`	string	No	Name of the contract code set to use for this carrier.
`agencyCodeData`	object	No	Contains carrier-specific agency codes (for example `agencyCode`, `subProducerCode`).

payload Object

Field	Type	Required	Description
`clientId`	string (UUID)	No	Existing client ID. If not provided and `batchMode` is `false`, a new client may be created automatically.
`quoteId`	string (UUID)	No	Existing quote ID for re-rating scenarios.
`policyId`	string (UUID)	No	Policy ID for endorsement or renewal scenarios.
`effectiveDate`	string (date)	No	Requested policy effective date. Format: `YYYY-MM-DD`.
`requestSource`	string	No	The type of quote request. See requestSource Values. Default: `QUOTE`.
`forwardingQuoteId`	string (UUID)	No	Quote ID for forwarding scenarios.
`referrer`	string	No	String value to track client referral source.
`quoteIntegrationData`	object	No	Custom key-value data to attach to generated quotes.
`clientIntegrationData`	object	No	Custom key-value data to attach to the client record.
`intake`	object	Yes	Client answers/responses to questions. See intake Object.
`asConfiguredAtTimestamp`	string (ISO 8601)	No	Uses product configuration as it existed at this timestamp.

intake Object

The intake object is a map where each key is a question identifier and the value contains the answer details.

Structure: { "<questionKey>": { answer details } }

Each answer object contains:

Field	Type	Required	Description
`answer`	string	Yes	The answer value provided by the client.
`questionId`	string	No	The question's unique identifier in the system.
`questionKey`	string	No	The question's key/name.
`type`	string	No	Answer type indicator (for example `ANSWER`).
`qid`	string	No	Alternative question identifier field.

Example:

{
  "intake": {
    "business_name": {
      "answer": "Acme Corp",
      "questionId": "q1",
      "questionKey": "business_name",
      "type": "ANSWER"
    },
    "employee_count": {
      "answer": "50",
      "questionId": "q2",
      "questionKey": "employee_count"
    }
  }
}

Response

Response Fields

Field	Type	Description
`triggerRequestId`	string (UUID)	The unique identifier for this request.
`executedActionCount`	number	Total number of actions that were executed.
`expectedResponseCount`	number	Number of actions that will produce quote responses.
`metadata`	object	Contains action results.

Metadata Object

Field	Type	Description
`CREATE_OR_UPDATE_CLIENT`	object	Result from the client creation/update action.
`quotes`	array	List of generated quotes. Only present when `forceSync: true`.

CREATE_OR_UPDATE_CLIENT Object

Field	Type	Description
`clientId`	string (UUID)	The created or updated client ID.
`intake`	object	The intake data associated with the client.

quote Object

Field	Type	Description
`id`	string (UUID)	Unique quote identifier.
`actionId`	string (UUID)	The action that generated this quote.
`actionType`	string	The type of rating action. Values: `IOI_RATING`, `VERISK`, `VERISK_ALGO`, `BUNDLE_RATING`.
`type`	string	The quote result type. Values: `QUOTE`, `DECLINE`, `BATCH`, `INDICATION`.
`lineId`	string (UUID)	Product/Line identifier.
`clientId`	string (UUID)	Client identifier.
`pipelineId`	string (UUID)	Pipeline identifier.
`quotingOrganizationId`	string (UUID)	Organization that generated the quote.
`clientOrganizationId`	string (UUID)	Client's organization.
`triggerRequestId`	string (UUID)	Original trigger request ID.
`requestId`	string (UUID)	Individual action request ID.
`effectiveDate`	string (date)	Policy effective date. Format: `YYYY-MM-DD`.
`term`	number	Policy term in months.
`bindable`	boolean	Whether the quote can be bound to a policy.
`requiresUnderwriterApproval`	boolean	Whether underwriter approval is required.
`requiresPolicyholderAcceptance`	boolean	Whether policyholder acceptance is required.
`quoteTimestamp`	string (ISO 8601)	When the quote was generated.
`quoteDetails`	object	Premium, coverages, taxes, and fees breakdown.
`messages`	array	System and consumer-facing messages.
`metadata`	object	Additional quote metadata (varies by action type).
`source`	object	Source information.
`productVersionId`	string (UUID)	Product version used for rating.
`versionSystemSource`	string	Version source system. Values: `HOSTING`, `BUILDER`, `null`.
`inputMappingData`	object	The input data used for rating calculation.

The actionType field should always be used by consumers to determine how to parse and interpret the quote response,especially the contents of the metadata object.

quoteDetails Object

Field	Type	Description
`premium`	object	Premium information.
`coverages`	array	List of coverage details.
`taxes`	object	Tax breakdown.
`fees`	object	Fee breakdown.

premium Object

Field	Type	Description
`amount`	number	The premium amount. A value of `-1` indicates a declined quote.
`currency`	string	Currency code (e.g., `USD`).

coverages Array Item

Field	Type	Description
`name`	string	Coverage name.
`code`	string	Coverage code.
`premium`	number	Coverage premium amount.
`limit`	number	Coverage limit.
`deductible`	number	Coverage deductible.

taxes Object

Field	Type	Description
`amount`	number	Total tax amount.
`details`	array	Breakdown of individual taxes.

taxes.details Array Item

Field	Type	Description
`name`	string	Tax name.
`amount`	number	Tax amount.
`rate`	number	Tax rate (decimal).

fees Object

Field	Type	Description
`amount`	number	Total fee amount.
`details`	array	Breakdown of individual fees.

fees.details Array Item

Field	Type	Description
`name`	string	Fee name.
`amount`	number	Fee amount.

messages Array Item

Field	Type	Description
`message`	string	The message text.
`type`	string	Message type. Values: `SYSTEM`, `CONSUMER`, `ERROR`.

Enum Values Reference

sourceType Values

Value	Description
`STOREFRONT`	Request from a storefront application. Requires a valid `storefrontId` in the `source` object.
`INTERNAL_CALL`	Internal service-to-service call.
`API`	External API request.
`BATCH`	Batch processing request.

versionSystemSource Values

Value	Description
`HOSTING`	Use the deployed version from the hosting service (production configuration).
`BUILDER`	Use the version from product builder (useful for testing unpublished changes).
`null`	Use top-of-tree configuration (latest).

requestSource Values

Value	Description
`QUOTE`	New quote request. This is the default.
`RENEWAL`	Renewal quote request for an existing policy.
`ISSUANCE`	Policy issuance request.
`ENDORSEMENT`	Policy endorsement/modification request.
`PACKAGE_RATER`	Package/bundle rating request.
`TRUE_UP`	True-up adjustment request.

actionType Values

Value	Description
`IOI_RATING`	DAIS internal rating engine (Excel, Node, Java, or Origami-based).
`VERISK`	Verisk RaaS (Rating as a Service) integration.
`VERISK_ALGO`	Hybrid rating combining Verisk RaaS with local Excel algorithm.
`BUNDLE_RATING`	Bundled/package rating that aggregates multiple coverages into one quote.

Quote Type Values

Value	Description
`QUOTE`	Valid quote with positive premium.
`DECLINE`	Quote declined (premium = -1).
`BATCH`	Quote generated in batch mode.
`INDICATION`	Indication only, not bindable.

messages.type Values

Value	Description
`SYSTEM`	Internal system message.
`CONSUMER`	Message intended for the end user.
`ERROR`	Error message.

Examples

Minimal Request (Synchronous)

{
  "type": "GET_QUOTES",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "forceSync": true,
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT",
    "storefrontId": "bb0e8400-e29b-41d4-a716-446655440000"
  },
  "payload": {
    "effectiveDate": "2026-02-01",
    "intake": {
      "business_name": { "answer": "Acme Corp" },
      "state": { "answer": "CA" },
      "zip_code": { "answer": "90210" }
    }
  }
}

Minimal Request (Asynchronous)

{
  "type": "GET_QUOTES",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "forceSync": false,
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "API"
  },
  "payload": {
    "effectiveDate": "2026-02-01",
    "intake": {
      "business_name": { "answer": "Acme Corp" },
      "state": { "answer": "CA" }
    }
  }
}

Request with Existing Client

{
  "type": "GET_QUOTES",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "forceSync": true,
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT",
    "storefrontId": "bb0e8400-e29b-41d4-a716-446655440000"
  },
  "payload": {
    "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
    "effectiveDate": "2026-02-01",
    "intake": {
      "employee_count": { "answer": "75" }
    }
  }
}

Renewal Request

{
  "type": "GET_QUOTES",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "forceSync": true,
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "INTERNAL_CALL"
  },
  "payload": {
    "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
    "policyId": "pp0e8400-e29b-41d4-a716-446655440000",
    "effectiveDate": "2027-02-01",
    "requestSource": "RENEWAL",
    "intake": {}
  }
}

Quote Response Examples by Action Type

The following examples show quote responses produced by different rating actions. Each example corresponds to a specific actionType.

GET_QUOTES may trigger multiple rating actions depending on the product configuration. Each rating action produces a separate quote response, which can be identified by the actionType field.

While the overall quote structure is consistent across responses, some fields and metadata vary depending on the action type. Consumers should always rely on actionType to understand how to interpret the quote metadata.

Supported action types

actionType	Description	Notes
IOI_RATING	DAIS internal rating engine	Fully synchronous compatible
VERISK	Verisk Rating as a Service (RaaS)	May include raw request and response payloads
VERISK_ALGO	Verisk with local algorithm	Combines Verisk rating with local Excel logic
BUNDLE_RATING	Aggregated bundle of multiple quotes	Depends on underlying rating actions

IOI_RATING Quote

The DAIS internal rating engine quote response:

{
  "id": "ee0e8400-e29b-41d4-a716-446655440000",
  "actionId": "ff0e8400-e29b-41d4-a716-446655440000",
  "actionType": "IOI_RATING",
  "type": "QUOTE",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
  "pipelineId": "110e8400-e29b-41d4-a716-446655440000",
  "quotingOrganizationId": "880e8400-e29b-41d4-a716-446655440000",
  "clientOrganizationId": "aa0e8400-e29b-41d4-a716-446655440000",
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "requestId": "220e8400-e29b-41d4-a716-446655440000",
  "effectiveDate": "2026-02-01",
  "term": 12,
  "bindable": true,
  "requiresUnderwriterApproval": false,
  "requiresPolicyholderAcceptance": false,
  "quoteTimestamp": "2026-01-27T10:30:00Z",
  "quoteDetails": {
    "premium": {
      "amount": 5250.00,
      "currency": "USD"
    },
    "coverages": [
      {
        "name": "General Liability",
        "code": "GL",
        "premium": 3000.00,
        "limit": 1000000,
        "deductible": 1000
      },
      {
        "name": "Property",
        "code": "PROP",
        "premium": 2250.00,
        "limit": 500000,
        "deductible": 500
      }
    ],
    "taxes": {
      "amount": 262.50,
      "details": [
        {
          "name": "State Tax",
          "amount": 157.50,
          "rate": 0.03
        },
        {
          "name": "Municipal Tax",
          "amount": 105.00,
          "rate": 0.02
        }
      ]
    },
    "fees": {
      "amount": 50.00,
      "details": [
        {
          "name": "Policy Fee",
          "amount": 50.00
        }
      ]
    }
  },
  "messages": [],
  "metadata": {
    "excelMetadata": {},
       "rateMeta": {
        "ms": "10",
        "one": "453.00",
        "EAP Total": "$7,075.86",
        "John": "99.00",
        "Identity Total": "$108.72",
        "Elder Total": "Not included",
        "Seminar Total": "Not included",
        "two": "0.00",
        "three": "108.72",
        "Jelena": "151.80",
        "premium": "7637.58",
        "Team": "29.30",
        "Life Total": "$453.00",
        "newOne": "8 Session EAP"
      }
  },
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT"
  },
  "productVersionId": "770e8400-e29b-41d4-a716-446655440000",
  "versionSystemSource": "HOSTING",
  "inputMappingData": {
    "business_name": "Acme Corp",
    "employee_count": "50",
    "state": "CA",
    "zip_code": "90210"
  },
  "executedPlugins": []
}

IOI_RATING metadata Object

Field	Type	Description
`excelMetadata`	object	Metadata from Excel processing (messages, exceptions).
`rateMeta`	object	Custom rating metadata from free-form fields.

VERISK Quote

The Verisk RaaS (Rating as a Service) quote response:

{
  "id": "ee0e8400-e29b-41d4-a716-446655440001",
  "actionId": "ff0e8400-e29b-41d4-a716-446655440001",
  "actionType": "VERISK",
  "type": "QUOTE",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
  "pipelineId": "110e8400-e29b-41d4-a716-446655440000",
  "quotingOrganizationId": "880e8400-e29b-41d4-a716-446655440000",
  "clientOrganizationId": "aa0e8400-e29b-41d4-a716-446655440000",
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "requestId": "220e8400-e29b-41d4-a716-446655440001",
  "effectiveDate": "2026-02-01",
  "term": 12,
  "bindable": true,
  "requiresUnderwriterApproval": false,
  "requiresPolicyholderAcceptance": false,
  "quoteTimestamp": "2026-01-27T10:30:00Z",
  "quoteDetails": {
    "premium": {
      "amount": 4800.00,
      "currency": "USD"
    },
    "coverages": [
      {
        "name": "Workers Compensation",
        "code": "WC",
        "premium": 4800.00,
        "limit": 1000000,
        "deductible": 0
      }
    ],
    "taxes": {
      "amount": 240.00,
      "details": [
        {
          "name": "State Tax",
          "amount": 240.00,
          "rate": 0.05
        }
      ]
    },
    "fees": {
      "amount": 0.00,
      "details": []
    }
  },
  "messages": [],
  "metadata": {
    "verisk": {
      "adjusted": true,
      "factors": {
        "experienceMod": 0.95,
        "scheduleCredit": 0.10,
        "safetyCredit": 0.05
      }
    },
    "forward": null
  },
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT"
  },
  "productVersionId": "770e8400-e29b-41d4-a716-446655440000",
  "versionSystemSource": "HOSTING",
  "inputMappingData": {
    "business_name": "Acme Corp",
    "class_code": "8810",
    "payroll": "500000",
    "state": "CA"
  },
  "rawQuoteRequest": {},
  "rawQuoteDetails": {},
  "executedPlugins": []
}

VERISK metadata Object

Field	Type	Description
`verisk`	object	Verisk-specific metadata.
`verisk.adjusted`	boolean	Whether post-RaaS adjustments were applied.
`verisk.factors`	object	Rating factors returned from Verisk (experience mod, credits, etc.).
`forward`	object	Forwarding configuration if applicable.

VERISK Additional Fields

Field	Type	Description
`rawQuoteRequest`	object	The raw request sent to Verisk RaaS.
`rawQuoteDetails`	object	The raw response received from Verisk RaaS.

VERISK_ALGO Quote

The Verisk with local algorithm hybrid quote response:

{
  "id": "ee0e8400-e29b-41d4-a716-446655440002",
  "actionId": "ff0e8400-e29b-41d4-a716-446655440002",
  "actionType": "VERISK_ALGO",
  "type": "QUOTE",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
  "pipelineId": "110e8400-e29b-41d4-a716-446655440000",
  "quotingOrganizationId": "880e8400-e29b-41d4-a716-446655440000",
  "clientOrganizationId": "aa0e8400-e29b-41d4-a716-446655440000",
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "requestId": "220e8400-e29b-41d4-a716-446655440002",
  "effectiveDate": "2026-02-01",
  "term": 12,
  "bindable": true,
  "requiresUnderwriterApproval": false,
  "requiresPolicyholderAcceptance": false,
  "quoteTimestamp": "2026-01-27T10:30:00Z",
  "quoteDetails": {
    "premium": {
      "amount": 5100.00,
      "currency": "USD"
    },
    "coverages": [
      {
        "name": "Commercial Auto",
        "code": "CA",
        "premium": 5100.00,
        "limit": 1000000,
        "deductible": 500
      }
    ],
    "taxes": {
      "amount": 255.00,
      "details": [
        {
          "name": "State Tax",
          "amount": 255.00,
          "rate": 0.05
        }
      ]
    },
    "fees": {
      "amount": 25.00,
      "details": [
        {
          "name": "Processing Fee",
          "amount": 25.00
        }
      ]
    }
  },
  "messages": [],
  "metadata": {
    "localAlgorithm": {
      "version": "1.0",
      "templateId": "algo-template-001"
    },
    "verisk": {
      "baseRate": 4500.00,
      "adjusted": true
    }
  },
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT"
  },
  "productVersionId": "770e8400-e29b-41d4-a716-446655440000",
  "versionSystemSource": "HOSTING",
  "inputMappingData": {
    "business_name": "Acme Corp",
    "vehicle_count": "5",
    "driver_count": "8",
    "state": "CA"
  },
  "executedPlugins": []
}

VERISK_ALGO metadata Object

Field	Type	Description
`localAlgorithm`	object	Local algorithm execution details.
`localAlgorithm.version`	string	Algorithm version used.
`localAlgorithm.templateId`	string	Excel template identifier.
`verisk`	object	Verisk contribution to the rating.
`verisk.baseRate`	number	Base rate from Verisk before local adjustments.
`verisk.adjusted`	boolean	Whether adjustments were applied.

BUNDLE_RATING Quote

The bundled/package rating quote response (aggregates multiple rating actions):

{
  "id": "ee0e8400-e29b-41d4-a716-446655440003",
  "actionId": "ff0e8400-e29b-41d4-a716-446655440003",
  "actionType": "BUNDLE_RATING",
  "type": "QUOTE",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
  "pipelineId": "110e8400-e29b-41d4-a716-446655440000",
  "quotingOrganizationId": "880e8400-e29b-41d4-a716-446655440000",
  "clientOrganizationId": "aa0e8400-e29b-41d4-a716-446655440000",
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "requestId": "220e8400-e29b-41d4-a716-446655440003",
  "effectiveDate": "2026-02-01",
  "term": 12,
  "bindable": true,
  "requiresUnderwriterApproval": false,
  "requiresPolicyholderAcceptance": false,
  "quoteTimestamp": "2026-01-27T10:30:00Z",
  "quoteDetails": {
    "premium": {
      "amount": 15150.00,
      "currency": "USD"
    },
    "coverages": [
      {
        "name": "General Liability",
        "code": "GL",
        "premium": 5250.00,
        "limit": 1000000,
        "deductible": 1000
      },
      {
        "name": "Workers Compensation",
        "code": "WC",
        "premium": 4800.00,
        "limit": 1000000,
        "deductible": 0
      },
      {
        "name": "Commercial Auto",
        "code": "CA",
        "premium": 5100.00,
        "limit": 1000000,
        "deductible": 500
      }
    ],
    "taxes": {
      "amount": 757.50,
      "details": [
        {
          "name": "State Tax",
          "amount": 606.00,
          "rate": 0.04
        },
        {
          "name": "Surcharge",
          "amount": 151.50,
          "rate": 0.01
        }
      ]
    },
    "fees": {
      "amount": 75.00,
      "details": [
        {
          "name": "Policy Fee",
          "amount": 50.00
        },
        {
          "name": "Processing Fee",
          "amount": 25.00
        }
      ]
    }
  },
  "messages": [],
  "metadata": {
    "bundledQuotes": [
      {
        "actionType": "IOI_RATING",
        "quoteId": "ee0e8400-e29b-41d4-a716-446655440000",
        "lineId": "line-gl-001",
        "premium": 5250.00,
        "coverageName": "General Liability"
      },
      {
        "actionType": "VERISK",
        "quoteId": "ee0e8400-e29b-41d4-a716-446655440001",
        "lineId": "line-wc-001",
        "premium": 4800.00,
        "coverageName": "Workers Compensation"
      },
      {
        "actionType": "VERISK_ALGO",
        "quoteId": "ee0e8400-e29b-41d4-a716-446655440002",
        "lineId": "line-ca-001",
        "premium": 5100.00,
        "coverageName": "Commercial Auto"
      }
    ],
    "packageDiscount": {
      "applied": true,
      "percentage": 0.05,
      "amount": 757.50
    }
  },
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT"
  },
  "productVersionId": "770e8400-e29b-41d4-a716-446655440000",
  "versionSystemSource": "HOSTING",
  "inputMappingData": {
    "business_name": "Acme Corp",
    "employee_count": "50",
    "vehicle_count": "5",
    "state": "CA"
  },
  "executedPlugins": []
}

BUNDLE_RATING metadata Object

Field	Type	Description
`bundledQuotes`	array	List of individual quotes that make up the bundle.
`bundledQuotes[].actionType`	string	The action type that generated this component.
`bundledQuotes[].quoteId`	string (UUID)	The individual quote ID.
`bundledQuotes[].lineId`	string (UUID)	The product line for this component.
`bundledQuotes[].premium`	number	Premium for this component.
`bundledQuotes[].coverageName`	string	Name of the coverage.
`packageDiscount`	object	Package discount information if applicable.
`packageDiscount.applied`	boolean	Whether a package discount was applied.
`packageDiscount.percentage`	number	Discount percentage (decimal).
`packageDiscount.amount`	number	Discount amount.

Declined Quote Response

When a quote is declined due to rules or validation:

{
  "id": "ee0e8400-e29b-41d4-a716-446655440004",
  "actionId": "ff0e8400-e29b-41d4-a716-446655440000",
  "actionType": "IOI_RATING",
  "type": "DECLINE",
  "lineId": "660e8400-e29b-41d4-a716-446655440000",
  "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
  "pipelineId": "110e8400-e29b-41d4-a716-446655440000",
  "quotingOrganizationId": "880e8400-e29b-41d4-a716-446655440000",
  "clientOrganizationId": "aa0e8400-e29b-41d4-a716-446655440000",
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "requestId": "220e8400-e29b-41d4-a716-446655440004",
  "effectiveDate": "2026-02-01",
  "term": 12,
  "bindable": false,
  "quoteTimestamp": "2026-01-27T10:30:00Z",
  "quoteDetails": {
    "premium": {
      "amount": -1.00
    },
    "coverages": [],
    "taxes": {},
    "fees": {}
  },
  "messages": [
    {
      "message": "Business type not eligible for coverage in this state",
      "type": "SYSTEM"
    },
    {
      "message": "Please contact an agent for assistance",
      "type": "CONSUMER"
    }
  ],
  "metadata": {},
  "source": {
    "organizationId": "aa0e8400-e29b-41d4-a716-446655440000",
    "sourceType": "STOREFRONT"
  },
  "productVersionId": "770e8400-e29b-41d4-a716-446655440000",
  "versionSystemSource": "HOSTING",
  "inputMappingData": {}
}

Declined Quote Indicators

Field	Value	Description
`type`	`DECLINE`	Indicates the quote was declined.
`quoteDetails.premium.amount`	`-1.00`	Negative premium indicates decline.
`bindable`	`false`	Cannot be bound to a policy.
`messages`	array	Contains reasons for decline.

Complete Response Example with Multiple Quotes

When multiple rating actions are configured and forceSync: true:

{
  "triggerRequestId": "550e8400-e29b-41d4-a716-446655440000",
  "executedActionCount": 6,
  "expectedResponseCount": 4,
  "metadata": {
    "CREATE_OR_UPDATE_CLIENT": {
      "clientId": "dd0e8400-e29b-41d4-a716-446655440000",
      "intake": {
        "business_name": {
          "answer": "Acme Corp",
          "questionId": "q1"
        },
        "state": {
          "answer": "CA",
          "questionId": "q3"
        }
      }
    },
    "quotes": [
      {
        "id": "ee0e8400-e29b-41d4-a716-446655440000",
        "actionType": "IOI_RATING",
        "type": "QUOTE",
        "quoteDetails": {
          "premium": { "amount": 5250.00 }
        },
        "metadata": {
          "excelMetadata": {},
             "rateMeta": {
                "ms": "10",
                "one": "453.00",
                "EAP Total": "$7,075.86",
                "John": "99.00",
                "Identity Total": "$108.72",
                "Elder Total": "Not included",
                "Seminar Total": "Not included",
                "two": "0.00",
                "three": "108.72",
                "Jelena": "151.80",
                "premium": "7637.58",
                "Team": "29.30",
                "Life Total": "$453.00",
                "newOne": "8 Session EAP"
      }
        }
      },
      {
        "id": "ee0e8400-e29b-41d4-a716-446655440001",
        "actionType": "VERISK",
        "type": "QUOTE",
        "quoteDetails": {
          "premium": { "amount": 4800.00 }
        },
        "metadata": {
          "verisk": {
            "adjusted": true,
            "factors": {}
          }
        },
        "rawQuoteRequest": {},
        "rawQuoteDetails": {}
      },
      {
        "id": "ee0e8400-e29b-41d4-a716-446655440002",
        "actionType": "VERISK_ALGO",
        "type": "QUOTE",
        "quoteDetails": {
          "premium": { "amount": 5100.00 }
        },
        "metadata": {
          "localAlgorithm": {},
          "verisk": {}
        }
      },
      {
        "id": "ee0e8400-e29b-41d4-a716-446655440003",
        "actionType": "BUNDLE_RATING",
        "type": "QUOTE",
        "quoteDetails": {
          "premium": { "amount": 15150.00 }
        },
        "metadata": {
          "bundledQuotes": []
        }
      }
    ]
  }
}

Note: executedActionCount (6) includes all actions (CREATE_OR_UPDATE_CLIENT + 4 rating actions + non-quote actions like WEBHOOK/EMAIL), but expectedResponseCount (4) only counts actions that produce quotes.

GET_QUOTES_ACTION_TYPES.md - Detailed documentation for each action type
GET_QUOTES_TRIGGER_API.md - API reference with DTO field specifications
GET_QUOTES_JSON_SAMPLES.md - Quick copy-paste JSON examples