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Neuron Algo Follow Broker Experience API

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✅ Neuron Broker Experience API

The Neuron Broker Experience API provides brokers with a secure, real-time interface to manage submissions, risks, carrier quotes, proposals, insurer appetites, products, and policies within Neuron’s digital trading platform.

This API enables brokers to create opportunities, collaborate with carriers, track quote progress, and finalise placements efficiently.

✅ What This API Enables

The Broker Experience API allows brokers to manage the full lifecycle of insurance opportunities, from submission creation through quote selection to policy issuance.

✅ Core Capabilities

Submission Management

Create, update, and submit insurance opportunities for carrier evaluation.

Risk Management

Capture and maintain detailed risk information associated with each submission.

Quote Retrieval & Decisioning

Retrieve quotes from carriers, compare responses, and manage the quote lifecycle.

Proposal Management

Create proposals by combining multiple quotes and present them for client selection.

Policy Management

Create and manage policies based on accepted proposals.

Appetite Handling

Interact with insurer appetites to guide placement decisions.

✅ Key Concepts

Submission

Represents an insurance opportunity initiated by a broker.

Risk

Represents detailed exposure data associated with a submission.

Option

Represents a carrier-specific opportunity within a submission.

Quote

Represents a carrier’s response (quoted or declined) for a submission option.

Proposal

Represents a consolidated broker-facing view of quotes for client decisioning.

Policy

Represents a bound insurance contract following final selection.

Product

Represents available insurance products and lines of business used for submission creation and validation.

✅ Business Flow: Broker Journey

1. Create Submission Draft

🏢 Broker → 📥 /submissions/draft

Creates a draft opportunity submission. The system validates input, performs ECS insured lookup, and enriches with GCID.

Outcome:

  • Draft submission created with submissionId

2. Add / Update Risk Details

🏢 Broker → 📥 /risks/draft

Creates and updates risk details linked to the submission.

Outcome:

  • Risk draft created and updated

3. Add Carrier Options

🏢 Broker → 📥 /submissions/{submissionId}/options

Defines options for multiple carriers.

Outcome:

  • Options created per carrier
  • Example:"optionId": "CORUUID|OPT001"

    4. Submit Submission to Carriers

🏢 Broker → 🚀 /submissions/{submissionId}/submit

Outcome:

  • Submission sent to carriers for processing

5. Retrieve Quotes

🏢 Broker → 📊 /quotes

Possible States:

  • PENDING_SUBMISSION
  • AWAITING_RESPONSE
  • QUOTED_DECLINED

Outcome:

  • Broker receives quotes for each option

6. Manage Quotes

🏢 Broker → 📥 /quotes/{quoteId}

  • Update quote → PATCH /quotes/{quoteId}
  • Issue documents → /quotes/{quoteId}/documents/issue
  • Publish documents → /quotes/{quoteId}/documents/publish

Outcome:

  • Quotes updated
  • Documents issued/published

7. Create Proposal

🏢 Broker → 📥 /proposals

Combines selected quotes into a proposal.

Outcome:

  • Proposal created for client review

8. Confirm Client Selection

🏢 Broker → ✅ /proposals/{proposalId}/confirm

Confirms the client’s selected quote.

Outcome:

  • Selection confirmed
  • Placement finalised

9. Policy Creation & Management

🏢 Broker → 📦 /policies

  • Generate policy
  • Retrieve and manage policies

Outcome:

  • Policy created and stored

10. Product Retrieval & Usage

🏢 Broker → 📥 /products

Retrieves available products and lines of business.

Outcome:

  • Product catalogue available for downstream workflows

✅ Quote Handling Rules

Quote Status

  • ✅ Quoted
  • ❌ Declined

Quote Scope

  • Single option
  • Multiple options (multi-carrier response)

✅ Outcome Scenarios

✅ Success

  • Submission processed successfully
  • Quotes retrieved
  • Proposal created
  • Policy issued

❌ Failure

  • Validation errors
  • Missing data
  • Invalid request

In Progress

  • Carrier processing
  • Awaiting quote responses

✅ Notes

  • Quotes support filtering (e.g. submissionId, version, view)
  • Submissions support pagination and filtering
  • API is secured using JWT authentication

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