Headless policy administration
You know the product. Now you can build it.
Filed rating, issuance, billing, earned premium, equity, cancellations, documents and signatures already work behind one API. Pair your product knowledge with an AI builder like Lovable or Replit and ship your own quote-to-bind app — no dev team, no year-long build, no ledger to get wrong.
Free sandbox key · rated against a real filed rate plan · expires in 30 days.
# your very first call returns a real, filing-versioned premium
curl -s -X POST https://sovereignautoengine.com/api/public/v1/bop/quote \
-H "Authorization: Bearer sae_test_…" \
-H "content-type: application/json" \
-d '{"class_code":"restaurant","protection_class":3,
"building_limit":400000,"contents_limit":150000,
"gl_limit":1000000}'
# → { "ok": true,
# "premium_by_coverage": { "BLDG": 272000, "BPP": 118500, "GL": 104430 },
# "fees_cents": 15000,
# "total_cents": 509930,
# "trace": [ …every step of the arithmetic… ] }What the core owns
The parts that are unforgiving, regulated and expensive to get wrong — already built, already running a live non-standard auto book.
Rating pinned to filings
Every premium is rated through a filed, versioned rate plan. In-force policies stay pinned to the version that rated them; a new filing only touches new business.
Two ledgers, kept apart
Premium written, earned and billed live in the core. Cash is a separate ledger moved by the processor. Pay-plan changes never move the premium number.
Equity and cancellation math
Unearned premium, equity position, short-rate and pro-rata cancellation, reinstatement cure amounts — arithmetic in the core, thresholds in your config.
Documents and e-signature
Forms carry effective dates like filings. Signing is inline or remote, with a session, IP and timestamp evidence record behind each signature.
Notices and delivery
Mail-by dating with weekend padding, idempotent queuing, email/SMS/print channels and recipient preferences on a nightly sweep.
Audit that reconciles
Every premium-bearing transaction is stamped at booking with coverage, carrier, program, state, filing version, producer, treaty and equity position.
What you own
- →Every pixel of the buying experience — web, mobile, kiosk, agent desktop, chat.
- →Your own question flow, card UI, copy, brand and pacing.
- →Where the quote starts and how you qualify, cross-sell and price-present.
- →Your agency and policyholder portals, or none at all.
Why nobody should rebuild the ledger
A rating engine is a weekend of arithmetic until the first endorsement, the first backdated cancellation, the first filing change mid-term, the first statutory report that has to tie to the penny. Earned premium, equity, proration, reinstatement cure and cession settlement are where teams lose a year — and where an error is not a bug but a finding.
That work is done here and versioned. Your app calls it and gets a number it can trust.
Build it in your tool of choice
The API is plain REST with bearer keys, so an AI app builder, a React team or a mobile client all consume it the same way. Sandbox keys are free and rate limited; production keys unlock after a readiness check that proves you can quote, bind, and verify a webhook signature.