Programmatic Underwriting API
Integrate sub-45ms spatial catastrophe calculations, defensible wildfire rate modifiers, hydrodynamic flood depths, and 5-mile PML accumulation checks into Guidewire, Duck Creek, Applied Epic, or your proprietary MGA portal.
Quickstart Implementations
Execute live actuarial evaluations with minimal boilerplate in your preferred language or framework.
curl -X POST https://api.vesperspatial.com/api/v1/actuarial/quote/wildfire -H "Content-Type: application/json" -H "X-API-Key: YOUR_API_KEY" -d '{
"policy_id": "COMM_CA_NAPA_1001",
"location": {
"latitude": 38.3047,
"longitude": -122.2989
},
"tiv_usd": 2500000.0,
"distance_to_brush_ft": 150.0,
"clearance_score": 0.85
}'import requests
url = "https://api.vesperspatial.com/api/v1/actuarial/quote/wildfire"
headers = {
"X-API-Key": "YOUR_API_KEY",
"Content-Type": "application/json"
}
payload = {
"policy_id": "COMM_CA_NAPA_1001",
"location": {"latitude": 38.3047, "longitude": -122.2989},
"tiv_usd": 2500000.0,
"distance_to_brush_ft": 150.0,
"clearance_score": 0.85
}
resp = requests.post(url, json=payload, headers=headers)
quote = resp.json()
print("Rate:", quote["base_rate_per_hundred"])const resp = await fetch("https://api.vesperspatial.com/api/v1/actuarial/quote/wildfire", {
method: "POST",
headers: {
"Content-Type": "application/json",
"X-API-Key": process.env.VESPER_API_KEY!,
},
body: JSON.stringify({
policy_id: "COMM_CA_NAPA_1001",
location: { latitude: 38.3047, longitude: -122.2989 },
tiv_usd: 2500000.0,
distance_to_brush_ft: 150.0,
clearance_score: 0.85,
}),
});
const quote = await resp.json();
console.log(quote.hazard_score);Production Endpoint Architecture
Health probe reporting service availability, licensing, and current per-quote unit price ($0.15).
Evaluates parcel topography, ERA5 live fuel dryness, and California CDI § 2644.9 buffer clearance discounts.
Evaluates 10m hydrodynamic catchment routing, Finished Floor Elevation (FFE) deltas, and storm surge depth.
Executes 5-mile radius portfolio accumulation check against current book limits ($25M treaty cap).
High-throughput asynchronous bordereau evaluation accepting up to 500 properties per chunk.
Exports cryptographically signed treaty solvency compliance certificate PDF for reinsurers.
Developer & Integration FAQs
Authentication, rate limits, batch processing, and audit trail outputs.
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