Creating Endorsements

Endorsements are just changes to existing policies but allow us to track changes to a policy over time. The endorsement API request body is the same as the quote request body of the corresponding product/policy type.

Endorsement Concepts

• Calling the endorsement API will always create a quote. Making a purchase of a quote that has been created as an endorsement will create a new version of the most recent active version of the policy with a new policy number.
• Responses from the endorsement API will always include the endorsement_price_changes field. This field denotes the change of price from the premium amount of the previous version of the policy. So if the original policy was $21.66, and making a change to that policy increases the price to $25.66, the endorsement_price_changes field will be 400 (or $4.00) - which represents the amount owed to make the new policy active.
• If the response endorsement_price_changes is 0, there is no change in price, but you still need to call our purchase API to activate the new policy.

Supported Products

We currently support endorsements for the following policy types:

• registration-cancellation
• event-host-liability
• event-host-liability-rental-coverage
• gap-medical
• travel

Endorsement Flow

For the sake of simplicity, we have ommited the purchase flow for when endorsement_price_changes > 0 and you are purchasing with a card on file / saved payment method. This should be handled like the standard purchasing flow.