Applied Rater API

appliedsystems.com · Company

Company API Key Paid Insurance Rating Personal Lines Commercial Lines

Applied Rater is a multi-carrier comparative rating solution for personal and commercial lines, integrated with Applied Epic and TAM agency management systems. The API enables real-time comparative rating from 100+ carriers across personal auto, home, renters, umbrella, and small commercial lines. Used by independent agents to present multiple carrier quotes simultaneously and bind directly from the rating workflow.

Authentication

API Key API key issued per agency through Applied Systems partner enrollment. Key is scoped to the agency's carrier appointments. Contact [email protected].

Parameter name: X-Applied-ApiKey (in header)

Sample Requests

POST Get homeowners quote

Returns comparative homeowners quotes from all carriers appointed in the agency's market. Premium, deductibles, and coverage details returned per carrier.

https://api.appliedrater.com/v2/rating/homeowners

Hover any highlighted part to learn what it does

Headers — extra info sent with the request

Content-Type	application/json
X-Applied-ApiKey auth	YOUR_API_KEY

Request Body — data you're sending

{
  "state": "GA",
  "insured": {
    "dob": "1978-11-22",
    "lastName": "Williams",
    "firstName": "Sarah",
    "priorInsurer": "State Farm",
    "priorPremium": 1850,
    "yearsWithPrior": 6
  },
  "property": {
    "zip": "31401",
    "city": "Savannah",
    "address": "500 Peach Ln",
    "yearBuilt": 1998,
    "roofMaterial": "Shingle",
    "squareFootage": 2200,
    "replacementCost": 420000,
    "constructionType": "Frame"
  },
  "coverages": {
    "dwelling": 420000,
    "liability": 300000,
    "deductible": 1000
  },
  "effectiveDate": "2024-05-01"
}

curl -X POST "https://api.appliedrater.com/v2/rating/homeowners" \
  -H "Content-Type: application/json" \
  -H "X-Applied-ApiKey: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"state":"GA","insured":{"dob":"1978-11-22","lastName":"Williams","firstName":"Sarah","priorInsurer":"State Farm","priorPremium":1850,"yearsWithPrior":6},"property":{"zip":"31401","city":"Savannah","address":"500 Peach Ln","yearBuilt":1998,"roofMaterial":"Shingle","squareFootage":2200,"replacementCost":420000,"constructionType":"Frame"},"coverages":{"dwelling":420000,"liability":300000,"deductible":1000},"effectiveDate":"2024-05-01"}'

import requests
headers = {
    "Content-Type": "application/json",
    "X-Applied-ApiKey": "YOUR_API_KEY"
}
data = {
    "state": "GA",
    "insured": {
        "dob": "1978-11-22",
        "lastName": "Williams",
        "firstName": "Sarah",
        "priorInsurer": "State Farm",
        "priorPremium": 1850,
        "yearsWithPrior": 6
    },
    "property": {
        "zip": "31401",
        "city": "Savannah",
        "address": "500 Peach Ln",
        "yearBuilt": 1998,
        "roofMaterial": "Shingle",
        "squareFootage": 2200,
        "replacementCost": 420000,
        "constructionType": "Frame"
    },
    "coverages": {
        "dwelling": 420000,
        "liability": 300000,
        "deductible": 1000
    },
    "effectiveDate": "2024-05-01"
}
response = requests.post(
    "https://api.appliedrater.com/v2/rating/homeowners",
    headers=headers,
    json=data,
)
print(response.json())

const url = 'https://api.appliedrater.com/v2/rating/homeowners';

const response = await fetch(url, {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-Applied-ApiKey': 'YOUR_API_KEY'
  },
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
  "state": "GA",
  "insured": {
    "dob": "1978-11-22",
    "lastName": "Williams",
    "firstName": "Sarah",
    "priorInsurer": "State Farm",
    "priorPremium": 1850,
    "yearsWithPrior": 6
  },
  "property": {
    "zip": "31401",
    "city": "Savannah",
    "address": "500 Peach Ln",
    "yearBuilt": 1998,
    "roofMaterial": "Shingle",
    "squareFootage": 2200,
    "replacementCost": 420000,
    "constructionType": "Frame"
  },
  "coverages": {
    "dwelling": 420000,
    "liability": 300000,
    "deductible": 1000
  },
  "effectiveDate": "2024-05-01"
}),
}); 
const data = await response.json();
console.log(data);

package main

import (
	"fmt"
	"io"
	"net/http"
	"bytes"
	"encoding/json"
)

func main() {
	targetURL := "https://api.appliedrater.com/v2/rating/homeowners"
	jsonData, _ := json.Marshal({"state":"GA","insured":{"dob":"1978-11-22","lastName":"Williams","firstName":"Sarah","priorInsurer":"State Farm","priorPremium":1850,"yearsWithPrior":6},"property":{"zip":"31401","city":"Savannah","address":"500 Peach Ln","yearBuilt":1998,"roofMaterial":"Shingle","squareFootage":2200,"replacementCost":420000,"constructionType":"Frame"},"coverages":{"dwelling":420000,"liability":300000,"deductible":1000},"effectiveDate":"2024-05-01"})
	req, _ := http.NewRequest("POST", targetURL, bytes.NewBuffer(jsonData))
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("X-Applied-ApiKey", "YOUR_API_KEY")
	req.Header.Set("Content-Type", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
	body, _ := io.ReadAll(resp.Body)
	fmt.Println(string(body))
}

require "net/http"
require "json"

uri = URI("https://api.appliedrater.com/v2/rating/homeowners")

http = Net::HTTP.new(uri.host, uri.port)
http.use_ssl = uri.scheme == "https"

req = Net::HTTP::Post.new(uri)
req["Content-Type"] = "application/json"
req["X-Applied-ApiKey"] = "YOUR_API_KEY"
req["Content-Type"] = "application/json"
req.body = "{\"state\":\"GA\",\"insured\":{\"dob\":\"1978-11-22\",\"lastName\":\"Williams\",\"firstName\":\"Sarah\",\"priorInsurer\":\"State Farm\",\"priorPremium\":1850,\"yearsWithPrior\":6},\"property\":{\"zip\":\"31401\",\"city\":\"Savannah\",\"address\":\"500 Peach Ln\",\"yearBuilt\":1998,\"roofMaterial\":\"Shingle\",\"squareFootage\":2200,\"replacementCost\":420000,\"constructionType\":\"Frame\"},\"coverages\":{\"dwelling\":420000,\"liability\":300000,\"deductible\":1000},\"effectiveDate\":\"2024-05-01\"}"

res = http.request(req)
puts JSON.parse(res.body)

<?php
$url = "https://api.appliedrater.com/v2/rating/homeowners";
$opts = ["http" => [
    "method" => "POST",
    "header" => implode("\r\n", [
        "Content-Type: application/json",
        "X-Applied-ApiKey: YOUR_API_KEY",
        "Content-Type: application/json"
    ]),
    "content" => json_encode({"state":"GA","insured":{"dob":"1978-11-22","lastName":"Williams","firstName":"Sarah","priorInsurer":"State Farm","priorPremium":1850,"yearsWithPrior":6},"property":{"zip":"31401","city":"Savannah","address":"500 Peach Ln","yearBuilt":1998,"roofMaterial":"Shingle","squareFootage":2200,"replacementCost":420000,"constructionType":"Frame"},"coverages":{"dwelling":420000,"liability":300000,"deductible":1000},"effectiveDate":"2024-05-01"}),
]];
$ctx = stream_context_create($opts);
$res = file_get_contents($url, false, $ctx);
print_r(json_decode($res, true));

POST Bind selected quote

Binds the selected carrier quote and initiates the policy issuance workflow. Returns binder number and carrier confirmation.

https://api.appliedrater.com/v2/quotes/{quoteId}/bind

Hover any highlighted part to learn what it does

Headers — extra info sent with the request

Content-Type	application/json
X-Applied-ApiKey auth	YOUR_API_KEY

Request Body — data you're sending

{
  "agentId": "AG-5678",
  "downPayment": 250,
  "paymentMethod": "EFT",
  "confirmAccuracy": true
}

curl -X POST "https://api.appliedrater.com/v2/quotes/{quoteId}/bind" \
  -H "Content-Type: application/json" \
  -H "X-Applied-ApiKey: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"agentId":"AG-5678","downPayment":250,"paymentMethod":"EFT","confirmAccuracy":true}'

import requests
headers = {
    "Content-Type": "application/json",
    "X-Applied-ApiKey": "YOUR_API_KEY"
}
data = {
    "agentId": "AG-5678",
    "downPayment": 250,
    "paymentMethod": "EFT",
    "confirmAccuracy": true
}
response = requests.post(
    "https://api.appliedrater.com/v2/quotes/{quoteId}/bind",
    headers=headers,
    json=data,
)
print(response.json())

const url = 'https://api.appliedrater.com/v2/quotes/{quoteId}/bind';

const response = await fetch(url, {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-Applied-ApiKey': 'YOUR_API_KEY'
  },
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
  "agentId": "AG-5678",
  "downPayment": 250,
  "paymentMethod": "EFT",
  "confirmAccuracy": true
}),
}); 
const data = await response.json();
console.log(data);

package main

import (
	"fmt"
	"io"
	"net/http"
	"bytes"
	"encoding/json"
)

func main() {
	targetURL := "https://api.appliedrater.com/v2/quotes/{quoteId}/bind"
	jsonData, _ := json.Marshal({"agentId":"AG-5678","downPayment":250,"paymentMethod":"EFT","confirmAccuracy":true})
	req, _ := http.NewRequest("POST", targetURL, bytes.NewBuffer(jsonData))
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("X-Applied-ApiKey", "YOUR_API_KEY")
	req.Header.Set("Content-Type", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
	body, _ := io.ReadAll(resp.Body)
	fmt.Println(string(body))
}

require "net/http"
require "json"

uri = URI("https://api.appliedrater.com/v2/quotes/{quoteId}/bind")

http = Net::HTTP.new(uri.host, uri.port)
http.use_ssl = uri.scheme == "https"

req = Net::HTTP::Post.new(uri)
req["Content-Type"] = "application/json"
req["X-Applied-ApiKey"] = "YOUR_API_KEY"
req["Content-Type"] = "application/json"
req.body = "{\"agentId\":\"AG-5678\",\"downPayment\":250,\"paymentMethod\":\"EFT\",\"confirmAccuracy\":true}"

res = http.request(req)
puts JSON.parse(res.body)

<?php
$url = "https://api.appliedrater.com/v2/quotes/{quoteId}/bind";
$opts = ["http" => [
    "method" => "POST",
    "header" => implode("\r\n", [
        "Content-Type: application/json",
        "X-Applied-ApiKey: YOUR_API_KEY",
        "Content-Type: application/json"
    ]),
    "content" => json_encode({"agentId":"AG-5678","downPayment":250,"paymentMethod":"EFT","confirmAccuracy":true}),
]];
$ctx = stream_context_create($opts);
$res = file_get_contents($url, false, $ctx);
print_r(json_decode($res, true));

Postman Setup Guide

Get Postman ↗

Applied Rater API access requires Applied Systems partnership — contact [email protected]
Each agency has a unique API key scoped to their carrier appointments — not a universal key
Applied Rater integrates natively with Applied Epic AMS — quoted policies sync automatically
Sandbox environment available with simulated carrier responses for 20+ carriers
Bind workflow may trigger carrier API calls directly — ensure carrier connectivity is configured
Applied also offers Epic API separately for agency management data (clients, policies, accounting)

What can you build with Applied Rater API?

Applied Rater API is a Company API. Developers commonly use company APIs for:

enriching CRM records with company firmographics
building lead-generation and prospecting tools
verifying business identity and registration details
monitoring competitors and market intelligence
powering B2B data enrichment pipelines

API Key authentication. You'll receive a key after signing up. Send it with every request — in a header or query parameter. Keep it out of client-side code and never commit it to version control. Applied Rater API is a paid API — check the provider's pricing page before building a production integration.

New to APIs? Read our beginner's guide · Learn about API keys · What is REST?

Open documentation ↗