{"$schema":"https://json-schema.org/draft/2020-12/schema","$id":"https://api.statementinsurance.com/api/public/submissions/schema","title":"Statement Insurance — quote request (public intake)","description":"How to request a commercial insurance quote from Statement Insurance Agency (Reno, NV; licensed NV + CA) by API. Same fields as the web form at https://app.statementinsurance.com/intake; fields map onto ACORD 125/126/130/140 as annotated. AI agents acting for a client are welcome: set submitted_by_agent and on_behalf_of. A licensed producer confirms details with the insured directly before quoting; the insured, not the agent, signs applications.","x-flow":[{"step":1,"method":"POST","path":"/api/public/submissions","body":"#/$defs/CreateSubmission","returns":"{ data: { id, ... } } — keep data.id"},{"step":2,"method":"PATCH","path":"/api/public/submissions/{id}","body":"#/$defs/UpdateSubmission","returns":"{ data: submission }","note":"Optional, repeatable. The more of this you fill, the fewer questions we ask the insured."},{"step":3,"method":"POST","path":"/api/public/submissions/{id}/documents","body":"multipart/form-data, field \"file\" — loss runs, current dec pages, a statement of values","note":"Optional, repeatable. Max 50 MB per file."},{"step":4,"method":"POST","path":"/api/public/submissions/{id}/submit","body":"(none)","returns":"{ data: { questionnaire_url?, remaining, booking } } — the deal is created and a producer is assigned. If questionnaire_url is present, the insured can answer remaining ACORD questions there."}],"x-contact":{"email":"info@statementinsurance.com","phone":"+1-775-345-3444","llms":"https://www.statementinsurance.com/llms.txt"},"x-notes":["Turnstile: step 1 requires a Cloudflare Turnstile token obtained on the form page. A client that cannot complete Turnstile should email info@statementinsurance.com with the same fields.","Licensed in Nevada (home office, Reno; primary market), California (primary market), Arizona, Colorado, Idaho, Indiana, Montana, South Dakota, Tennessee and Texas.","We write contractors and construction (including their own dump trucks and heavy trucks), commercial real estate and property owners (older and historic buildings welcome), restaurants and bars (bars, taverns and nightclubs actively wanted), and surety bonds. We do NOT write trucking for hire (hauling others' freight or material for a fee, long-haul or local, owner-operator or fleet), for-hire passenger transport, aviation, amusement and entertainment venues, casinos and gaming, adventure or instruction risks, zoos and exotic animals, self-storage or warehousing as a primary operation, or personal lines (home and auto only as an accommodation for existing commercial clients). Heavy trucks a business runs in its own operations, e.g. contractors' and mine operators' dump trucks, are welcome. No minimum premium is published. Full page: https://www.statementinsurance.com/appetite/","A draft that reaches step 1 but never step 4 still becomes a lead — a producer will follow up with the insured."],"$defs":{"Address":{"type":"object","description":"A US postal address.","properties":{"line1":{"type":"string","description":"Street address. → ACORD 125 applicant mailing address."},"line2":{"type":"string","description":"Suite / unit."},"city":{"type":"string"},"state":{"type":"string","minLength":2,"maxLength":2,"description":"Two-letter state code."},"zip":{"type":"string"},"formatted_address":{"type":"string","description":"Optional single-line form; used when the parts are unavailable."}},"required":["line1","city","state","zip"],"additionalProperties":true},"Location":{"type":"object","description":"An insured location (premises). → ACORD 125 premises; ACORD 140 for property.","properties":{"address_line1":{"type":"string"},"city":{"type":"string"},"state":{"type":"string","minLength":2,"maxLength":2},"zip":{"type":"string"},"nickname":{"type":"string","description":"e.g. \"Main shop\", \"Warehouse\"."},"revenue":{"type":"number","description":"Annual revenue at this location, if it differs by location."},"description":{"type":"string","description":"Operations at this location."},"buildings":{"type":"array","items":{"type":"object","description":"One building at a location. → ACORD 140 premises/building row.","properties":{"building_number":{"type":"integer","minimum":1},"own_or_lease":{"type":"string","enum":["own","lease"]},"cope":{"type":"object","description":"Construction / Occupancy / Protection / Exposure facts. → ACORD 140.","properties":{"year_built":{"type":"integer"},"square_footage":{"type":"integer"},"stories":{"type":"integer"},"construction_type":{"type":"string","examples":["Frame","Joisted Masonry","Masonry Non-Combustible","Fire Resistive"]},"roof_type":{"type":"string"},"units":{"type":"integer","description":"Residential units, if habitational."}},"additionalProperties":false},"roof_year":{"type":"integer"},"hvac_year":{"type":"integer"},"plumbing_year":{"type":"integer"},"electrical_year":{"type":"integer"},"sprinklered_pct":{"type":"number","minimum":0,"maximum":100},"coverages":{"type":"array","items":{"type":"object","properties":{"coverage_type":{"type":"string","description":"building | bpp | business_income | equipment_breakdown | other","examples":["building","bpp"]},"limit_amount":{"type":"number"},"deductible":{"type":"number"},"coinsurance":{"type":"string","examples":["80%","90%"]},"cause_of_loss":{"type":"string","examples":["Special","Broad","Basic"]}},"required":["coverage_type","limit_amount"],"additionalProperties":false}}},"additionalProperties":false}}},"required":["address_line1","city","state","zip"],"additionalProperties":false},"Building":{"type":"object","description":"One building at a location. → ACORD 140 premises/building row.","properties":{"building_number":{"type":"integer","minimum":1},"own_or_lease":{"type":"string","enum":["own","lease"]},"cope":{"type":"object","description":"Construction / Occupancy / Protection / Exposure facts. → ACORD 140.","properties":{"year_built":{"type":"integer"},"square_footage":{"type":"integer"},"stories":{"type":"integer"},"construction_type":{"type":"string","examples":["Frame","Joisted Masonry","Masonry Non-Combustible","Fire Resistive"]},"roof_type":{"type":"string"},"units":{"type":"integer","description":"Residential units, if habitational."}},"additionalProperties":false},"roof_year":{"type":"integer"},"hvac_year":{"type":"integer"},"plumbing_year":{"type":"integer"},"electrical_year":{"type":"integer"},"sprinklered_pct":{"type":"number","minimum":0,"maximum":100},"coverages":{"type":"array","items":{"type":"object","properties":{"coverage_type":{"type":"string","description":"building | bpp | business_income | equipment_breakdown | other","examples":["building","bpp"]},"limit_amount":{"type":"number"},"deductible":{"type":"number"},"coinsurance":{"type":"string","examples":["80%","90%"]},"cause_of_loss":{"type":"string","examples":["Special","Broad","Basic"]}},"required":["coverage_type","limit_amount"],"additionalProperties":false}}},"additionalProperties":false},"Coverage":{"type":"object","properties":{"coverage_type":{"type":"string","description":"building | bpp | business_income | equipment_breakdown | other","examples":["building","bpp"]},"limit_amount":{"type":"number"},"deductible":{"type":"number"},"coinsurance":{"type":"string","examples":["80%","90%"]},"cause_of_loss":{"type":"string","examples":["Special","Broad","Basic"]}},"required":["coverage_type","limit_amount"],"additionalProperties":false},"CreateSubmission":{"type":"object","title":"CreateSubmission — step 1","description":"POST /api/public/submissions. Creates the prospect company and a draft submission; returns { data: { id, ... } }. Everything here maps onto ACORD 125 (Commercial Insurance Application).","properties":{"prospect_name":{"type":"string","description":"Legal or trade name of the business to be insured. → ACORD 125 applicant name."},"contact_name":{"type":"string","description":"The INSURED's contact person — not the agent. → ACORD 125 contact."},"contact_email":{"type":"string","format":"email","description":"The insured's direct email. We confirm details with the insured before quoting; applications are signed by the insured."},"contact_phone":{"type":"string","description":"The insured's direct phone. → ACORD 125 contact phone."},"mailing_address":{"type":"object","description":"A US postal address.","properties":{"line1":{"type":"string","description":"Street address. → ACORD 125 applicant mailing address."},"line2":{"type":"string","description":"Suite / unit."},"city":{"type":"string"},"state":{"type":"string","minLength":2,"maxLength":2,"description":"Two-letter state code."},"zip":{"type":"string"},"formatted_address":{"type":"string","description":"Optional single-line form; used when the parts are unavailable."}},"required":["line1","city","state","zip"],"additionalProperties":true},"naics_code":{"type":"string","pattern":"^[0-9]{2,6}$","description":"NAICS code if known. → ACORD 125 NAICS; also drives routing to the right producer."},"industry":{"type":"string","description":"Plain-language industry if NAICS is unknown, e.g. \"General contractor\", \"Restaurant\", \"Apartment owner\"."},"lines_of_business":{"type":"array","minItems":1,"items":{"type":"string"},"description":"Coverage lines requested, by common name. → ACORD 125 lines of business / attached applications (126 GL, 130 WC, 140 Property, 127 Auto).","examples":[["General Liability","Workers' Compensation"],["Business Owners Policy"],["Property","General Liability","Umbrella"]]},"target_effective_date":{"type":"string","format":"date","description":"YYYY-MM-DD. → ACORD 125 proposed effective date."},"submission_type":{"type":"string","enum":["new_business","renewal"],"default":"new_business"},"heard_about":{"type":"string","description":"How the insured heard about us — a deal_sources key (website, ai-assistant, client-referral, google-profile, …). Optional; we infer when blank."},"heard_about_detail":{"type":"string","maxLength":500},"attribution":{"type":"object","description":"Optional channel data: utm_source, utm_medium, utm_campaign, utm_term, utm_content, referrer, landing_page. Unknown keys are dropped.","additionalProperties":{"type":"string"}},"submitted_by_agent":{"type":"boolean","description":"Set true when an AI agent is submitting on the insured's behalf. We tag the request and proceed exactly as for a human — no hold, no extra steps."},"on_behalf_of":{"type":"string","description":"The insured's business name, when submitted_by_agent is true."},"agent_name":{"type":"string","description":"Which agent, e.g. \"Muse\", \"Claude\", \"ChatGPT\". Optional."},"source_slug":{"type":"string","description":"A staff member's personal quote-link slug, if you were given one. Routes the lead to that producer."},"turnstile_token":{"type":"string","description":"Cloudflare Turnstile token from the form page. SERVER-ENFORCED: submissions without a valid token receive 403. If your client cannot complete Turnstile, email info@statementinsurance.com instead — see llms.txt."}},"required":["prospect_name","turnstile_token"],"anyOf":[{"required":["contact_email"]},{"required":["contact_phone"]}],"additionalProperties":true},"UpdateSubmission":{"type":"object","title":"UpdateSubmission — step 2","description":"PATCH /api/public/submissions/{id}. Any subset of these fields; call as many times as needed. Only the fields listed are accepted (others are ignored).","properties":{"lines_of_business":{"type":"array","minItems":1,"items":{"type":"string"},"description":"Coverage lines requested, by common name. → ACORD 125 lines of business / attached applications (126 GL, 130 WC, 140 Property, 127 Auto).","examples":[["General Liability","Workers' Compensation"],["Business Owners Policy"],["Property","General Liability","Umbrella"]]},"business_description":{"type":"string","maxLength":4000,"description":"What the business does, in plain words. → ACORD 125 nature of business / description of operations. This is the most useful single field for an accurate quote."},"locations":{"type":"array","items":{"type":"object","description":"An insured location (premises). → ACORD 125 premises; ACORD 140 for property.","properties":{"address_line1":{"type":"string"},"city":{"type":"string"},"state":{"type":"string","minLength":2,"maxLength":2},"zip":{"type":"string"},"nickname":{"type":"string","description":"e.g. \"Main shop\", \"Warehouse\"."},"revenue":{"type":"number","description":"Annual revenue at this location, if it differs by location."},"description":{"type":"string","description":"Operations at this location."},"buildings":{"type":"array","items":{"type":"object","description":"One building at a location. → ACORD 140 premises/building row.","properties":{"building_number":{"type":"integer","minimum":1},"own_or_lease":{"type":"string","enum":["own","lease"]},"cope":{"type":"object","description":"Construction / Occupancy / Protection / Exposure facts. → ACORD 140.","properties":{"year_built":{"type":"integer"},"square_footage":{"type":"integer"},"stories":{"type":"integer"},"construction_type":{"type":"string","examples":["Frame","Joisted Masonry","Masonry Non-Combustible","Fire Resistive"]},"roof_type":{"type":"string"},"units":{"type":"integer","description":"Residential units, if habitational."}},"additionalProperties":false},"roof_year":{"type":"integer"},"hvac_year":{"type":"integer"},"plumbing_year":{"type":"integer"},"electrical_year":{"type":"integer"},"sprinklered_pct":{"type":"number","minimum":0,"maximum":100},"coverages":{"type":"array","items":{"type":"object","properties":{"coverage_type":{"type":"string","description":"building | bpp | business_income | equipment_breakdown | other","examples":["building","bpp"]},"limit_amount":{"type":"number"},"deductible":{"type":"number"},"coinsurance":{"type":"string","examples":["80%","90%"]},"cause_of_loss":{"type":"string","examples":["Special","Broad","Basic"]}},"required":["coverage_type","limit_amount"],"additionalProperties":false}}},"additionalProperties":false}}},"required":["address_line1","city","state","zip"],"additionalProperties":false}},"mailing_same_as_first_loc":{"type":"boolean"},"gross_sales":{"type":"number","description":"Annual gross revenue, USD. → ACORD 125 annual revenue; ACORD 126 GL rating basis."},"years_in_business":{"type":"integer","minimum":0,"description":"0 is a valid answer for a new venture. → ACORD 125."},"num_owners":{"type":"integer","minimum":0},"owners":{"type":"array","items":{"type":"object","properties":{"name":{"type":"string"},"title":{"type":"string"}},"required":["name"]},"description":"→ ACORD 125 / 130 officers."},"num_full_time_employees":{"type":"integer","minimum":0,"description":"→ ACORD 125; ACORD 130 WC."},"num_part_time_employees":{"type":"integer","minimum":0},"annual_payroll":{"type":"number","description":"USD. → ACORD 130 total payroll / WC remuneration basis."},"subcontractor_costs":{"type":"number","description":"Annual USD paid to subcontractors. → ACORD 126 GL (contractors)."},"ein":{"type":"string","pattern":"^[0-9]{2}-?[0-9]{7}$","description":"Federal EIN. → ACORD 125 FEIN."},"target_effective_date":{"type":"string","format":"date","description":"YYYY-MM-DD. → ACORD 125 proposed effective date."},"wants_staff_contact":{"type":"boolean","description":"Ask a producer to call the insured."},"supplemental_answers":{"type":"object","description":"Answers to any supplemental questionnaire we sent, keyed by question id.","additionalProperties":true}},"additionalProperties":false}}}