Applications & Quotes

Submit a full insurance application. PGI reviews the application and submits it to underwriters. You receive a quote via webhook when approved.

How the quote flow works

You submit an application via POST /api/v2/applications/
PGI reviews the application internally and submits to underwriters
Underwriters approve or decline the application
If approved: PGI sends an application.quoted webhook to your registered URL with quote details
If declined: PGI sends an application.declined webhook
Once you receive a quote, you can proceed to bind the policy

Async flow Unlike the pre-approval score (which returns instantly), quotes require manual underwriter review. Plan your integration around webhook delivery rather than synchronous API responses.

Submit application

POST /api/v2/applications/

Creates an application record linked to your partner account. The request body uses a single form_data object with all application answers keyed by question ID. No top-level fields are required.

Request body

Field	Type	Description
form_datarequired	object	Application answers keyed by question ID. All required fields must be present and non-empty or the request returns 400.

Required form_data fields for Canadian applications

When submitting a Canadian application (q0_country = "Canada"), the following fields are required:

Question ID	Question Text	Type	Allowed Values/Format
q0_country	Country where the loan was issued	button	"Canada" or "USA"
q2_full_name	Full legal name of the guarantor (the named insured)	string	Non-empty text
q4_date_of_birth	Guarantor date of birth (identity and KYC)	date	YYYY-MM-DD format
q7_email	Guarantor email address (the email of the individual giving the personal guarantee). Used by PGI for records and communications. Not shared with the underwriter.	email	Valid email address
q5_residential_address	Guarantor residential address (policy documents and regulatory compliance)	string or object	Free-text string or structured object with postal_code
q15_business_legal_name	Business legal name (must match loan documents)	string	Non-empty text
q17_business_operating_address	Business operating address (should include postal code)	string or object	Non-empty text or structured object with postal_code
q25_naics_code	NAICS industry classification code (risk tiering)	string	Valid NAICS code mappable to Purbeck sector
q26_formation_date	Business formation date (drives business-age rules)	date	YYYY-MM-DD, YYYY-MM, or text like "June 2015"
q41_loan_amount	The loan balance the guarantor is obligated to pay (do not combine multiple loans)	currency	Number, maximum 1,000,000 CAD
q42_pgi_limit	The sum insured (total insured amount of coverage requested). PGI pays the insured guarantor, not the lender.	currency	Number, maximum 1,000,000 CAD
q_ca_id_type	Government ID type	dropdown	"Passport", "National ID", "Driving Licence", "Other"
q_ca_id_number	Government ID number (exactly as it appears on the document)	string	Non-empty text
q_ca_loan_type	Type of loan being insured	dropdown	"Asset Finance", "Invoice Finance", "Commercial Mortgage", "Other Secured Loan", "Unsecured Loan", "Other"
q_ca_loan_type_other	Short free-text description of the loan type. Required when `q_ca_loan_type` is `"Other"`; omit or leave blank otherwise.	string	Non-empty text (required when q_ca_loan_type is "Other")

Optional fields The API accepts additional optional fields (e.g. q8_phone, q9_citizenship_status, q51_interest_rate_type, q69_personal_guarantee, q39_lender_name, q46_loan_purpose, q77_other_guarantors) but they are not required. Focus on the required fields listed above.

Declarations (11 required sections)

All 11 declaration sections must be answered. When an answer is adverse (shown below), a matching <key>_reason field is required.

Declaration Key	Question Text	Answer Values	Reason Required When
section_1_a	Does the business carry insurance coverage for all physical assets covered by the personal guarantee?	"yes" or "no"	Never (no reason required)
section_1_2	Have you ever declared personal bankruptcy?	"yes" or "no"	Answer is "yes"
section_2_a	Have you ever been barred from serving as a Director, or are you currently under investigation that could result in being barred?	"yes" or "no"	Answer is "yes"
section_2_b	Have you ever been a Director of a company that has gone through bankruptcy, receivership, or restructuring proceedings?	"yes" or "no"	Answer is "yes"
section_2_c	Have you ever been a Director of a company that has been under investigation by the Canada Revenue Agency or the Canada Border Services Agency?	"yes" or "no"	Answer is "yes"
section_2_d	Do you currently have any actual or contingent liability that you will not be able to pay within 30 days of when it becomes due?	"yes" or "no"	Answer is "yes"
section_3_a	Does the business currently have any bad or doubtful debts owed to it that are likely to materially affect its ability to pay liabilities as they become due?	"yes" or "no"	Answer is "yes"
section_4_a	Has the business lost a significant investor, customer, or supplier in the last 6 months?	"yes" or "no"	Answer is "yes"
section_5_a	Are you aware of any information that could materially affect the business's ability to meet its obligations over the next 6 months?	"yes" or "no"	Answer is "yes"
section_6_a	As of today, is the company solvent (able to pay its debts as they become due)?	"yes" or "no"	Never (no reason required)
section_3_c	I confirm that all answers above are true to the best of my knowledge. If anyone else completed this form on my behalf, I confirm they were authorized to do so and that their answers are accurate.	"Agree" or "Disagree"	Answer is "Disagree"

Declaration adverse answers and reasons When a director declares "yes" to any declaration except section_3_c, a matching reason field is mandatory. For example, if section_1_2 (bankruptcy) is "yes", the request must include section_1_2_reason with a detailed explanation. If the reason is missing, the request returns 400.

Quebec not supported PGI does not currently write business in Quebec. If q_business_province is "QC" or the business operating address is in Quebec, the submission returns 400.

Response

{
  "application_id": "D4E5F6A1B2C3789012345678EF",
  "status": "received",
  "message": "Application received. Pending quote from underwriters."
}

What happens next After submitting, your application enters PGI's underwriting pipeline. You will receive an application.quoted or application.declined webhook at your registered URL. See Webhooks for payload details.

Example (Canada)

curl -X POST https://api.pgicover.com/api/v2/applications/ \
  -H "Authorization: Bearer pk_test_abc123def456ghi789jkl012mno345" \
  -H "Content-Type: application/json" \
  -d '{
    "form_data": {
      "q0_country": "Canada",
      "q2_full_name": "Sarah Chen",
      "q4_date_of_birth": "1985-06-15",
      "q7_email": "[email protected]",
      "q5_residential_address": "456 Oak Avenue, Toronto, ON M4V 2P7, Canada",
      "q_ca_id_type": "Driving Licence",
      "q_ca_id_number": "DL123456789",
      "q15_business_legal_name": "Maple Leaf Technologies Inc.",
      "q25_naics_code": "541511",
      "q26_formation_date": "2019-03-15",
      "q17_business_operating_address": "789 King Street West, Toronto, ON M5H 2A9, Canada",
      "q41_loan_amount": 500000,
      "q42_pgi_limit": 250000,
      "q_ca_loan_type": "Commercial Mortgage",
      "section_1_a": "yes",
      "section_1_2": "yes",
      "section_1_2_reason": "Voluntary bankruptcy discharge in 2018, fully resolved with creditors.",
      "section_2_a": "no",
      "section_2_b": "no",
      "section_2_c": "no",
      "section_2_d": "no",
      "section_3_a": "no",
      "section_4_a": "no",
      "section_5_a": "no",
      "section_6_a": "yes",
      "section_3_c": "Agree"
    }
  }'

import requests

resp = requests.post(
    "https://api.pgicover.com/api/v2/applications/",
    headers={"Authorization": "Bearer pk_test_abc123def456ghi789jkl012mno345"},
    json={
        "form_data": {
            "q0_country": "Canada",
            "q2_full_name": "Sarah Chen",
            "q4_date_of_birth": "1985-06-15",
            "q7_email": "[email protected]",
            "q5_residential_address": "456 Oak Avenue, Toronto, ON M4V 2P7, Canada",
            "q_ca_id_type": "Driving Licence",
            "q_ca_id_number": "DL123456789",
            "q15_business_legal_name": "Maple Leaf Technologies Inc.",
            "q25_naics_code": "541511",
            "q26_formation_date": "2019-03-15",
            "q17_business_operating_address": "789 King Street West, Toronto, ON M5H 2A9, Canada",
            "q41_loan_amount": 500000,
            "q42_pgi_limit": 250000,
            "q_ca_loan_type": "Commercial Mortgage",
            "section_1_a": "yes",
            "section_1_2": "yes",
            "section_1_2_reason": "Voluntary bankruptcy discharge in 2018, fully resolved with creditors.",
            "section_2_a": "no",
            "section_2_b": "no",
            "section_2_c": "no",
            "section_2_d": "no",
            "section_3_a": "no",
            "section_4_a": "no",
            "section_5_a": "no",
            "section_6_a": "yes",
            "section_3_c": "Agree",
        },
    },
)
data = resp.json()
print(f"Application {data['application_id']}: {data['message']}")
# Now wait for the application.quoted webhook...

const resp = await fetch("https://api.pgicover.com/api/v2/applications/", {
  method: "POST",
  headers: {
    "Authorization": "Bearer pk_test_abc123def456ghi789jkl012mno345",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    form_data: {
      q0_country: "Canada",
      q2_full_name: "Sarah Chen",
      q4_date_of_birth: "1985-06-15",
      q7_email: "[email protected]",
      q5_residential_address: "456 Oak Avenue, Toronto, ON M4V 2P7, Canada",
      q_ca_id_type: "Driving Licence",
      q_ca_id_number: "DL123456789",
      q15_business_legal_name: "Maple Leaf Technologies Inc.",
      q25_naics_code: "541511",
      q26_formation_date: "2019-03-15",
      q17_business_operating_address: "789 King Street West, Toronto, ON M5H 2A9, Canada",
      q41_loan_amount: 500000,
      q42_pgi_limit: 250000,
      q_ca_loan_type: "Commercial Mortgage",
      section_1_a: "yes",
      section_1_2: "yes",
      section_1_2_reason: "Voluntary bankruptcy discharge in 2018, fully resolved with creditors.",
      section_2_a: "no",
      section_2_b: "no",
      section_2_c: "no",
      section_2_d: "no",
      section_3_a: "no",
      section_4_a: "no",
      section_5_a: "no",
      section_6_a: "yes",
      section_3_c: "Agree",
    },
  }),
});
const data = await resp.json();
console.log(`Application ${data.application_id}: ${data.message}`);
// Now wait for the application.quoted webhook...

Retrieve quote

GET /api/v2/quotes/{quote_id}/

Retrieve an existing quote and its current status. The quote_id is included in the application.quoted webhook payload. Use this endpoint to check whether a quote is still valid before binding.

Flexible lookup This endpoint accepts either the internal quote_id (PGI's reference) or the underwriter_ref (the external London/underwriter reference). It tries quote_id first, then falls back to underwriter_ref.

Response

{
  "quote_id": "E5F6A1B2C3D4789012345678AA",
  "underwriter_ref": "LON-2026-04-00412",
  "annual_premium": "5000.00",
  "rate": "2.000",
  "coverage_amount": "250000.00",
  "valid_until": "2026-05-03T15:05:44Z",
  "quote_status": "active"
}

Two reference numbers quote_id is PGI's internal reference. underwriter_ref is the external reference assigned by the London/underwriting market. When communicating with PGI or clients, use the underwriter_ref. Note that underwriter_ref may be empty initially if the underwriter has not yet assigned a reference.

Quote statuses

Status	Meaning
active	Quote is valid and can be bound.
expired	Past the 30-day validity window. Contact PGI for a new quote.
bound	This quote has been bound to a policy.

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