Create a submission

POST

/broker/submissions

curl --request POST \
  --url https://api.hedgespecialty.com/api/v1/broker/submissions \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '{ "applicant": { "insured_name": "example", "business_phone": "example", "business_email": "example", "website": "example", "contact_first_name": "example", "contact_last_name": "example", "contact_email": "example", "naics": "example", "mailing_address": { "line1": "example", "line2": "example", "city": "example", "state": "example", "zip": "example" } }, "narrative": "example", "lines_of_business": [ "example" ], "effective_date": "2026-04-15", "primary_state": "example", "producer_email": "example", "insured_id": "2489E9AD-2EE2-8E00-8EC9-32D5F69181C0" }'

• Production
• Staging sandbox

Creates the submission and starts intake (enrichment + instant carrier-API quoting). Does NOT start marketing to carriers, call finalize when documents and answers are in.

Supports an Idempotency-Key header: a retried create with the same key within 24h replays the original response instead of creating a duplicate. A concurrent duplicate returns 409, retry shortly.

Authorizations

• brokerOAuth

Parameters

Header Parameters

Idempotency-Key

string

Request Body^required

Media typeapplication/json

object

applicant

required

object

insured_name

required

string

<= 256 characters

business_phone

string

business_email

string

website

string

contact_first_name

string

contact_last_name

string

contact_email

string

naics

string

mailing_address

Line1, city, state and zip are required together.

object

line1

required

string

line2

string

city

required

string

state

required

string

zip

required

string

narrative

required

Operations description of the risk, what the business does, size, anything an underwriter should know. Required; appetite matching depends on it.

string

lines_of_business

Canonical slugs (e.g. commercial_general_liability) or common aliases (gl, wc).

Array<string>

effective_date

string format: date

primary_state

Primary risk state, 2-letter US code (normalized to uppercase). When the applicant mailing address also carries a state the two must agree: the request 422s on a conflict, with a message that says exactly what to fix. Omit it to use the mailing address state.

string

>= 2 characters <= 2 characters

producer_email

REQUIRED when authenticating with a machine credential, the active portal user this submission is attributed to.

string

insured_id

Optional id of an existing insured from GET /broker/insureds - links the new submission to that client’s account (repeat business, a new line for an existing client). Must belong to your brokerage; an unknown or foreign id returns 404.

string format: uuid

Example^generated

{
  "applicant": {
    "insured_name": "example",
    "business_phone": "example",
    "business_email": "example",
    "website": "example",
    "contact_first_name": "example",
    "contact_last_name": "example",
    "contact_email": "example",
    "naics": "example",
    "mailing_address": {
      "line1": "example",
      "line2": "example",
      "city": "example",
      "state": "example",
      "zip": "example"
    }
  },
  "narrative": "example",
  "lines_of_business": [
    "example"
  ],
  "effective_date": "2026-04-15",
  "primary_state": "example",
  "producer_email": "example",
  "insured_id": "2489E9AD-2EE2-8E00-8EC9-32D5F69181C0"
}

Responses

201

Created

Media typeapplication/json

object

submission_id

string format: uuid

state

string

status_label

string

Example^generated

{
  "submission_id": "2489E9AD-2EE2-8E00-8EC9-32D5F69181C0",
  "state": "example",
  "status_label": "example"
}

409

Same Idempotency-Key already in flight

422

Validation error (message says exactly what to fix)

429

Daily create limit reached