API Reference

REST API • Version 1.0 • Production Ready

Build custom integrations with our comprehensive REST API

API Authentication

Secure API key authentication with bearer token format

Real-time Processing

Instant quote generation and policy issuance in milliseconds

Production Grade

99.9% uptime SLA with automatic failover and redundancy

Base URL

Production

https://api.dailyeventinsurance.com

Sandbox

https://sandbox.dailyeventinsurance.com

Authentication

API Key Authentication

Include your API key in the Authorization header as a Bearer token

authentication.js

// Authentication with API Key
const headers = {
  'Authorization': 'Bearer YOUR_API_KEY',
  'Content-Type': 'application/json'
}

// Example: Get API key from environment
const apiKey = process.env.DAILY_EVENT_INSURANCE_API_KEY

fetch('https://api.dailyeventinsurance.com/api/v1/quotes', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${apiKey}`,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify(quoteData)
})

Keep your API key secure! Never expose it in client-side code or public repositories. Use environment variables for production deployments.

API Endpoints

POST/api/v1/quotes

Create a new insurance quote

Essential

GET/api/v1/quotes/:id

Retrieve quote details

Common

POST/api/v1/policies

Purchase insurance policy

Essential

GET/api/v1/policies/:id

Get policy details

Common

PATCH/api/v1/policies/:id

Update policy information

Common

DELETE/api/v1/policies/:id/cancel

Cancel an active policy

Important

GET/api/v1/coverage-types

List available coverage types

Reference

POST/api/v1/claims

Submit an insurance claim

Important

Create Quote Example

create-quote.json

// Create Quote Request
POST /api/v1/quotes
Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

{
  "event_type": "wedding_reception",
  "event_date": "2026-08-15",
  "event_time": "18:00",
  "duration_hours": 6,
  "venue": {
    "name": "Grand Ballroom",
    "address": "123 Main St, City, ST 12345",
    "type": "indoor"
  },
  "guests": 150,
  "coverage": {
    "general_liability": 1000000,
    "property_damage": 50000,
    "liquor_liability": true,
    "cancellation": true
  },
  "contact": {
    "name": "Jane Smith",
    "email": "jane@example.com",
    "phone": "+1-555-0123"
  }
}

// Create Quote Response
{
  "id": "quote_abc123xyz",
  "status": "active",
  "premium": 245.00,
  "coverage_details": {
    "general_liability": {
      "amount": 1000000,
      "cost": 150.00
    },
    "property_damage": {
      "amount": 50000,
      "cost": 45.00
    },
    "liquor_liability": {
      "included": true,
      "cost": 30.00
    },
    "cancellation": {
      "included": true,
      "cost": 20.00
    }
  },
  "expires_at": "2026-06-22T23:59:59Z",
  "created_at": "2026-06-15T14:30:00Z"
}

Purchase Policy Example

purchase-policy.json

// Purchase Policy Request
POST /api/v1/policies
Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

{
  "quote_id": "quote_abc123xyz",
  "payment": {
    "method": "card",
    "token": "tok_visa_4242424242424242"
  },
  "insured": {
    "name": "Jane Smith",
    "email": "jane@example.com",
    "phone": "+1-555-0123",
    "address": {
      "street": "456 Oak Ave",
      "city": "Springfield",
      "state": "IL",
      "zip": "62701"
    }
  }
}

// Purchase Policy Response
{
  "id": "pol_xyz789abc",
  "policy_number": "DEI-2026-08-001234",
  "status": "active",
  "quote_id": "quote_abc123xyz",
  "premium": 245.00,
  "coverage_start": "2026-08-15T00:00:00Z",
  "coverage_end": "2026-08-16T05:59:59Z",
  "documents": {
    "certificate": "https://docs.dailyeventinsurance.com/cert/pol_xyz789abc.pdf",
    "policy": "https://docs.dailyeventinsurance.com/policy/pol_xyz789abc.pdf"
  },
  "created_at": "2026-06-15T14:35:00Z"
}

Error Handling

All errors follow a consistent format with descriptive messages and error codes:

error-response.json

// Error Response Format
{
  "error": {
    "code": "invalid_request",
    "message": "Event date must be at least 24 hours in the future",
    "field": "event_date",
    "type": "validation_error"
  }
}

// Common Error Codes
- invalid_request: Request validation failed
- authentication_failed: Invalid API key
- rate_limit_exceeded: Too many requests
- resource_not_found: Quote or policy not found
- payment_failed: Payment processing error
- coverage_unavailable: Coverage not available for event type

HiQor Partners Only

HiQor External API

Programmatic access for HiQor to manage partners, revenue, and microsites

Partner Management Endpoints

GET/api/v1/hiqor/partners

List all partners with filters (status, tier, revenue)

Essential

POST/api/v1/hiqor/partners

Create a new partner account

Essential

GET/api/v1/hiqor/partners/:id

Get partner details and statistics

Common

PATCH/api/v1/hiqor/partners/:id

Update partner information

Common

POST/api/v1/hiqor/partners/:id/activate

Activate a pending partner

Important

POST/api/v1/hiqor/partners/:id/deactivate

Deactivate an active partner

Important

GET/api/v1/hiqor/revenue

Get revenue reports by date range

Essential

GET/api/v1/hiqor/revenue/breakdown

Revenue breakdown (HiQor 70% / Partner 30%)

Common

GET/api/v1/hiqor/payouts

List pending and completed payouts

Essential

GET/api/v1/hiqor/payouts/:partnerId

Get payout details for specific partner

Common

POST/api/v1/hiqor/microsites

Provision a new microsite for partner

Essential

GET/api/v1/hiqor/microsites/:id

Get microsite configuration

Common

PATCH/api/v1/hiqor/microsites/:id

Update microsite branding settings

Common

GET/api/v1/hiqor/microsites/:id/qr

Generate QR code for microsite

Common

Webhook Events

Configure webhook endpoints to receive real-time notifications when events occur. All webhooks include HMAC signature verification for security.

partner.signup

New partner has signed up

Payload: partner_id, name, email, status

partner.activated

Partner completed onboarding and is active

Payload: partner_id, microsite_url, activated_at

policy.sold

Insurance policy purchased through partner

Payload: policy_id, partner_id, premium, commission

commission.earned

Commission credited to partner account

Payload: partner_id, amount, policy_id, date

payout.ready

Payout is ready for distribution

Payload: partner_id, amount, period_start, period_end

Webhook Security: All webhook payloads are signed with HMAC-SHA256. Verify the X-Webhook-Signature header before processing.

Rate Limits

Request Limits by Tier

Rate limits are enforced per API key to ensure fair usage and system stability

Sandbox

Hourly Limit

100 / hour

Burst Limit

10 / minute

Production

Hourly Limit

1,000 / hour

Burst Limit

50 / minute

Enterprise

Hourly Limit

10,000 / hour

Burst Limit

500 / minute

Rate limit headers are included in every response: X-RateLimit-Limit, X-RateLimit-Remaining, X-RateLimit-Reset

Need More Documentation?

Access our complete API documentation with interactive examples and SDKs

Authentication

API Key Authentication

Include your API key in the Authorization header as a Bearer token

authentication.js

// Authentication with API Key
const headers = {
  'Authorization': 'Bearer YOUR_API_KEY',
  'Content-Type': 'application/json'
}

// Example: Get API key from environment
const apiKey = process.env.DAILY_EVENT_INSURANCE_API_KEY

fetch('https://api.dailyeventinsurance.com/api/v1/quotes', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${apiKey}`,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify(quoteData)
})

Keep your API key secure! Never expose it in client-side code or public repositories. Use environment variables for production deployments.

API Endpoints

POST/api/v1/quotes

Create a new insurance quote

Essential

GET/api/v1/quotes/:id

Retrieve quote details

Common

POST/api/v1/policies

Purchase insurance policy

Essential

GET/api/v1/policies/:id

Get policy details

Common

PATCH/api/v1/policies/:id

Update policy information

Common

DELETE/api/v1/policies/:id/cancel

Cancel an active policy

Important

GET/api/v1/coverage-types

List available coverage types

Reference

POST/api/v1/claims

Submit an insurance claim

Important

Create Quote Example

create-quote.json

// Create Quote Request
POST /api/v1/quotes
Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

{
  "event_type": "wedding_reception",
  "event_date": "2026-08-15",
  "event_time": "18:00",
  "duration_hours": 6,
  "venue": {
    "name": "Grand Ballroom",
    "address": "123 Main St, City, ST 12345",
    "type": "indoor"
  },
  "guests": 150,
  "coverage": {
    "general_liability": 1000000,
    "property_damage": 50000,
    "liquor_liability": true,
    "cancellation": true
  },
  "contact": {
    "name": "Jane Smith",
    "email": "jane@example.com",
    "phone": "+1-555-0123"
  }
}

// Create Quote Response
{
  "id": "quote_abc123xyz",
  "status": "active",
  "premium": 245.00,
  "coverage_details": {
    "general_liability": {
      "amount": 1000000,
      "cost": 150.00
    },
    "property_damage": {
      "amount": 50000,
      "cost": 45.00
    },
    "liquor_liability": {
      "included": true,
      "cost": 30.00
    },
    "cancellation": {
      "included": true,
      "cost": 20.00
    }
  },
  "expires_at": "2026-06-22T23:59:59Z",
  "created_at": "2026-06-15T14:30:00Z"
}

Purchase Policy Example

purchase-policy.json

// Purchase Policy Request
POST /api/v1/policies
Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

{
  "quote_id": "quote_abc123xyz",
  "payment": {
    "method": "card",
    "token": "tok_visa_4242424242424242"
  },
  "insured": {
    "name": "Jane Smith",
    "email": "jane@example.com",
    "phone": "+1-555-0123",
    "address": {
      "street": "456 Oak Ave",
      "city": "Springfield",
      "state": "IL",
      "zip": "62701"
    }
  }
}

// Purchase Policy Response
{
  "id": "pol_xyz789abc",
  "policy_number": "DEI-2026-08-001234",
  "status": "active",
  "quote_id": "quote_abc123xyz",
  "premium": 245.00,
  "coverage_start": "2026-08-15T00:00:00Z",
  "coverage_end": "2026-08-16T05:59:59Z",
  "documents": {
    "certificate": "https://docs.dailyeventinsurance.com/cert/pol_xyz789abc.pdf",
    "policy": "https://docs.dailyeventinsurance.com/policy/pol_xyz789abc.pdf"
  },
  "created_at": "2026-06-15T14:35:00Z"
}

Error Handling

All errors follow a consistent format with descriptive messages and error codes:

error-response.json

// Error Response Format
{
  "error": {
    "code": "invalid_request",
    "message": "Event date must be at least 24 hours in the future",
    "field": "event_date",
    "type": "validation_error"
  }
}

// Common Error Codes
- invalid_request: Request validation failed
- authentication_failed: Invalid API key
- rate_limit_exceeded: Too many requests
- resource_not_found: Quote or policy not found
- payment_failed: Payment processing error
- coverage_unavailable: Coverage not available for event type

Rate Limits

Request Limits by Tier

Rate limits are enforced per API key to ensure fair usage and system stability

Sandbox

Hourly Limit

100 / hour

Burst Limit

10 / minute

Production

Hourly Limit

1,000 / hour

Burst Limit

50 / minute

Enterprise

Hourly Limit

10,000 / hour

Burst Limit

500 / minute

Rate limit headers are included in every response: X-RateLimit-Limit, X-RateLimit-Remaining, X-RateLimit-Reset