Institutional Underwriting API
Sub-45ms commercial property rating, automated rooftop geocoding, publication-grade ASOP 38 quote slip PDFs with 16pt bold D-1 surplus lines disclosures, NAIC Model #668 adverse action notices, and cryptographic Merkle audit verification.
Developer Quickstart & Verification
Explore live API endpoints across address geocoding, statutory PDF generation, catastrophe model governance, Merkle audit ledgers, and PAS webhook dispatch.
/api/v1/underwrite/quotecurl -X POST https://api.vesperspatial.com/api/v1/underwrite/quote \
-H "Content-Type: application/json" \
-H "X-API-Key: vs_live_9b4e72ac1048_carrier_prod" \
-d '{
"policy_id": "COMM_CA_NAPA_2026_09",
"hazard_domain": "wildfire",
"address": "1250 Silverado Trail, St. Helena, CA 94574",
"tiv_usd": 12500000.0,
"distance_to_brush_ft": 45.0,
"clearance_score": 0.65
}'Submit commercial street addresses or 5-digit ZIP codes directly. Delphi-1.0 executes sub-45ms rooftop geocoding, 10m LiDAR topography slope analysis, ERA5 fuel moisture evaluation, and California CDI § 2644.9 defensible space scoring.
Institutional Statutory Compliance Pillars
Engineered for strict conformity with state rating bureaus, surplus lines statutes, and actuarial standards.
ASOP 38 & ASOP 56 Governance
Catastrophe Modeling & Model Risk Management
Full transparency into continuous-time physics automata, Rothermel flame spread, Byram convective intensity, and backtested validation benchmarks (Tubbs Fire 94.8%, Camp Fire 96.1%).
GET /api/v1/compliance/asop38-dossierCIC § 1764.1 (D-1) & § 1763 (SL-2)
Surplus Line Statutory Notices & Diligent Search
Instant PDF quote slips embedded with mandatory 16-point bold D-1 surplus lines disclosures, CIGA non-coverage warnings, and SL-2 diligent search broker certifications.
POST /api/v1/quote/pdfCIC § 1727 Cryptographic Ledger
5-Year Tamper-Resistant Regulatory Record Retention
Every API call is recorded with SHA-256 reproducibility hashes and chained Merkle blocks, providing verifiable audit trails for Department of Insurance market examinations.
GET /api/v1/compliance/audit-ledger/verifyNAIC Model Bulletin #668
Artificial Intelligence & Adverse Action Disclosures
Automated declination and surcharge notices isolating the top 4 physical risk drivers, coupled with an actionable CDI 10 CCR § 2644.9 'Safer from Wildfires' mitigation credit roadmap.
POST /api/v1/underwrite/quoteCarrier PAS Webhooks & SSRF Defense
Guidewire, Duck Creek & Socotra Synchronization
Asynchronous webhook delivery signed via HMAC-SHA256 (t={timestamp},v1={hash}) with 300s replay defense and strict OWASP API-07 SSRF filters blocking RFC 1918 and metadata endpoints.
X-Vesper-Signature VerificationGranular Scope-Based RBAC
Defense-in-Depth Key Security & Quotas
Issue least-privilege API keys scoped to quote:wildfire, quote:flood, read:usage, or manage:account. Enforces sliding-window rate limiting (60/min dev, 600/min prod).
X-API-Key HeaderProduction Endpoint Architecture
Deterministic, sub-45ms REST API endpoints operating on global edge infrastructure.
Single-quote endpoint accepting address, ZIP, or coordinates with automatic geocoding, wildfire/flood scoring, and NAIC #668 risk drivers.
Generates publication-grade ASOP 38 Quote Slip PDF with mandatory California Insurance Code § 1764.1 16-point bold D-1 surplus lines notice.
Full ASOP 38 & ASOP 56 model risk governance memorandum, continuous physics automata specs, Rothermel equations, and historical validation benchmarks.
Cryptographic Merkle chain verification under California Insurance Code § 1727, proving tamper-resistance across all historical quoting transactions.
Locks spatial PML capital into the 5-mile accumulation grid, reserves capacity against the $25M book cap, and issues official bound policy records.
Standalone California geocoder resolving street addresses and ZIP centroids to high-precision WGS84 rooftop coordinates and county boundaries.
Evaluates micro-topography slope acceleration, ERA5 live fuel dryness, Scott & Burgan 40-class fuels, and California CDI § 2644.9 buffer credits.
Evaluates 10m hydrodynamic catchment routing, Finished Floor Elevation (FFE) deltas, and NASA GRACE soil saturation for commercial flood exposures.
Executes 5-mile and 15-mile radial spatial PML accumulation checks against carrier treaty solvency caps ($25M aggregate limit).
High-throughput asynchronous bordereau evaluation accepting up to 500 properties per chunk with streaming NDJSON or job ID callbacks.
Unified multi-hazard risk lookup synthesizing wildfire, inland flood, storm surge, smoke taint, and InSAR ground subsidence scores in one call.
Real-time outbound event notifications (quote.created, policy.bound, policy.cancelled) signed with HMAC-SHA256 and verified for SSRF safety.
Developer & Integration FAQs
Integrate Sub-45ms Catastrophe Pricing Today
Access interactive Swagger documentation, download our OpenAPI 3.1 specification, or generate sandbox developer keys instantly.