Insurance Underwriting & Policy Intelligence API Documentation

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/policy-normalize$0.04 USDC

Normalize insurance policies

Normalize caller-supplied or locally extracted policy identity, term, and premium fields. Preliminary document analysis only—not coverage confirmation.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "policies": [
    {
      "id": "P1",
      "policyNumber": "GL-100",
      "insurer": "Example Mutual",
      "insured": "Acme LLC",
      "lineOfBusiness": "General Liability",
      "effectiveAt": "2025-01-01",
      "expiresAt": "2026-01-01",
      "premium": 12000,
      "currency": "USD",
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "normalized",
  "policyCount": 1,
  "items": [
    {
      "id": "P1",
      "policyNumber": "GL-100",
      "insurer": "Example Mutual",
      "insured": "Acme LLC",
      "lineOfBusiness": "General Liability",
      "effectiveAt": "2025-01-01",
      "expiresAt": "2026-01-01",
      "premium": 12000,
      "premiumSupplied": true,
      "currency": "USD",
      "side": "current",
      "source": "Caller-supplied",
      "coverageConfirmed": false
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/policy-normalize" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "policies": [
    {
      "id": "P1",
      "policyNumber": "GL-100",
      "insurer": "Example Mutual",
      "insured": "Acme LLC",
      "lineOfBusiness": "General Liability",
      "effectiveAt": "2025-01-01",
      "expiresAt": "2026-01-01",
      "premium": 12000,
      "currency": "USD",
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/policy-limit-compare$0.04 USDC

Compare policy limits

Compare caller-supplied left/right or prior/renewal coverage limits. Not a coverage determination.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "limits": [
    {
      "id": "L1",
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "L2",
      "coverage": "Each Occurrence",
      "limitAmount": 2000000,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "compared",
  "pairCount": 1,
  "items": [
    {
      "coverageLeft": "Each Occurrence",
      "coverageRight": "Each Occurrence",
      "leftLimitAmount": 1000000,
      "leftLimitAmountSupplied": true,
      "rightLimitAmount": 2000000,
      "rightLimitAmountSupplied": true,
      "deltaAmount": 1000000,
      "deltaAmountSupplied": true,
      "matchScore": 1,
      "matched": true,
      "coverageConfirmed": false,
      "source": "Caller-supplied; Caller-supplied"
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [
    {
      "kind": "observation",
      "code": "limit_delta",
      "subject": "L1",
      "detail": "Limit delta 1000000 for coverage \"Each Occurrence\"."
    }
  ],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/policy-limit-compare" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "limits": [
    {
      "id": "L1",
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "L2",
      "coverage": "Each Occurrence",
      "limitAmount": 2000000,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/policy-exclusion-compare$0.04 USDC

Compare policy exclusions

Compare caller-supplied exclusion schedules across prior/renewal or left/right sides. Preliminary text matching only.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "exclusions": [
    {
      "id": "E1",
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "E2",
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    },
    {
      "id": "E3",
      "title": "Cyber",
      "text": "Cyber liability exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "compared",
  "pairCount": 2,
  "items": [
    {
      "titleLeft": "Pollution",
      "titleRight": "Pollution",
      "matched": true,
      "matchScore": 1,
      "onlyIn": "both",
      "coverageConfirmed": false,
      "source": "Caller-supplied; Caller-supplied"
    },
    {
      "titleLeft": "",
      "titleRight": "Cyber",
      "matched": false,
      "matchScore": 0,
      "onlyIn": "right",
      "coverageConfirmed": false,
      "source": "Caller-supplied"
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [
    {
      "kind": "observation",
      "code": "exclusion_right_only",
      "subject": "E3",
      "detail": "Exclusion present on right only: \"Cyber\"."
    }
  ],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/policy-exclusion-compare" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "exclusions": [
    {
      "id": "E1",
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "E2",
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    },
    {
      "id": "E3",
      "title": "Cyber",
      "text": "Cyber liability exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/deductible-structure-extract$0.03 USDC

Extract deductible structures

Extract deductible/SIR amounts and apply-per structure from caller-supplied rows or local PDF text.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "deductibles": [
    {
      "id": "D1",
      "coverage": "Each Occurrence",
      "amount": 5000,
      "type": "deductible",
      "appliesPer": "occurrence",
      "currency": "USD",
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "extracted",
  "deductibleCount": 1,
  "items": [
    {
      "id": "D1",
      "policyId": "",
      "coverage": "Each Occurrence",
      "amount": 5000,
      "amountSupplied": true,
      "type": "deductible",
      "appliesPer": "occurrence",
      "currency": "USD",
      "side": "current",
      "source": "Caller-supplied",
      "coverageConfirmed": false
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/deductible-structure-extract" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "deductibles": [
    {
      "id": "D1",
      "coverage": "Each Occurrence",
      "amount": 5000,
      "type": "deductible",
      "appliesPer": "occurrence",
      "currency": "USD",
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/renewal-change-detect$0.05 USDC

Detect insurance renewal changes

Detect insurer, premium, limit, and exclusion deltas between prior and renewal sides. Not insurer confirmation.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "policies": [
    {
      "id": "P1",
      "policyNumber": "GL-100",
      "insurer": "Example Mutual",
      "premium": 12000,
      "effectiveAt": "2025-01-01",
      "expiresAt": "2026-01-01",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "P2",
      "policyNumber": "GL-200",
      "insurer": "Example Mutual",
      "premium": 14500,
      "effectiveAt": "2026-01-01",
      "expiresAt": "2027-01-01",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "limits": [
    {
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "coverage": "Each Occurrence",
      "limitAmount": 2000000,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "exclusions": [
    {
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "title": "Cyber",
      "text": "Cyber liability exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "detected",
  "changeCount": 2,
  "items": [
    {
      "field": "premium",
      "priorValue": "12000",
      "renewalValue": "14500",
      "changed": true,
      "delta": 2500
    },
    {
      "field": "limit",
      "coverage": "Each Occurrence",
      "priorValue": "1000000",
      "renewalValue": "2000000",
      "changed": true,
      "delta": 1000000
    }
  ],
  "coverageConfirmed": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [
    {
      "kind": "observation",
      "code": "limit_delta",
      "subject": "LIM-1",
      "detail": "Limit delta 1000000 for coverage \"Each Occurrence\"."
    }
  ],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/renewal-change-detect" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "policies": [
    {
      "id": "P1",
      "policyNumber": "GL-100",
      "insurer": "Example Mutual",
      "premium": 12000,
      "effectiveAt": "2025-01-01",
      "expiresAt": "2026-01-01",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "P2",
      "policyNumber": "GL-200",
      "insurer": "Example Mutual",
      "premium": 14500,
      "effectiveAt": "2026-01-01",
      "expiresAt": "2027-01-01",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "limits": [
    {
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "coverage": "Each Occurrence",
      "limitAmount": 2000000,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "exclusions": [
    {
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "title": "Cyber",
      "text": "Cyber liability exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/premium-change-analyze$0.03 USDC

Analyze premium changes

Analyze prior versus renewal premium amounts from caller-supplied policy or premium rows.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "premiums": [
    {
      "id": "PR1",
      "amount": 12000,
      "currency": "USD",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "PR2",
      "amount": 14500,
      "currency": "USD",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "analyzed",
  "changeCount": 1,
  "items": [
    {
      "priorAmount": 12000,
      "renewalAmount": 14500,
      "deltaAmount": 2500,
      "deltaPct": 20.8333,
      "deltaPctSupplied": true,
      "currency": "USD",
      "coverageConfirmed": false,
      "source": "Caller-supplied; Caller-supplied"
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [
    {
      "kind": "observation",
      "code": "premium_change",
      "subject": "",
      "detail": "Premium changed by 2500 (20.8333%)."
    }
  ],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/premium-change-analyze" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "premiums": [
    {
      "id": "PR1",
      "amount": 12000,
      "currency": "USD",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "PR2",
      "amount": 14500,
      "currency": "USD",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/coverage-gap-detect$0.05 USDC

Detect coverage gaps

Compare caller-supplied contract requirements to supplied limits, deductibles, and exclusions. Preliminary gap signals only—not coverage confirmation.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "limits": [
    {
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "current",
      "source": "Caller-supplied"
    }
  ],
  "deductibles": [
    {
      "coverage": "Each Occurrence",
      "amount": 5000,
      "source": "Caller-supplied"
    }
  ],
  "requirements": [
    {
      "id": "R1",
      "coverage": "Each Occurrence",
      "minLimitAmount": 2000000,
      "maxDeductibleAmount": 10000,
      "requiredEndorsement": "Additional Insured",
      "forbiddenExclusion": "Contractual Liability",
      "source": "Caller-supplied contract"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "detected",
  "requirementCount": 1,
  "gapCount": 1,
  "items": [
    {
      "requirementId": "R1",
      "coverage": "Each Occurrence",
      "matchedLimitAmount": 1000000,
      "matchedLimitAmountSupplied": true,
      "minLimitAmount": 2000000,
      "minLimitAmountSupplied": true,
      "gaps": [
        "limit_below_requirement",
        "missing_required_endorsement_signal"
      ],
      "hasGap": true,
      "coverageConfirmed": false,
      "source": "Caller-supplied contract"
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [
    {
      "kind": "conflict",
      "code": "coverage_gap",
      "subject": "R1",
      "detail": "Coverage gaps: limit_below_requirement, missing_required_endorsement_signal."
    }
  ],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/coverage-gap-detect" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "limits": [
    {
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "current",
      "source": "Caller-supplied"
    }
  ],
  "deductibles": [
    {
      "coverage": "Each Occurrence",
      "amount": 5000,
      "source": "Caller-supplied"
    }
  ],
  "requirements": [
    {
      "id": "R1",
      "coverage": "Each Occurrence",
      "minLimitAmount": 2000000,
      "maxDeductibleAmount": 10000,
      "requiredEndorsement": "Additional Insured",
      "forbiddenExclusion": "Contractual Liability",
      "source": "Caller-supplied contract"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/loss-run-normalize$0.04 USDC

Normalize loss runs

Normalize caller-supplied loss-run claim rows into paid/reserved/incurred fields. Not a claim adjudication.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "lossRuns": [
    {
      "id": "C1",
      "claimNumber": "CLM-1",
      "policyNumber": "GL-100",
      "lossDate": "2025-06-01",
      "status": "closed",
      "paidAmount": 25000,
      "reservedAmount": 0,
      "cause": "Slip",
      "currency": "USD",
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "normalized",
  "claimCount": 1,
  "totalIncurredAmount": 25000,
  "items": [
    {
      "id": "C1",
      "claimNumber": "CLM-1",
      "policyNumber": "GL-100",
      "lossDate": "2025-06-01",
      "reportedAt": "",
      "status": "closed",
      "paidAmount": 25000,
      "paidAmountSupplied": true,
      "reservedAmount": 0,
      "reservedAmountSupplied": true,
      "incurredAmount": 25000,
      "incurredAmountSupplied": true,
      "cause": "Slip",
      "currency": "USD",
      "source": "Caller-supplied",
      "coverageConfirmed": false
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/loss-run-normalize" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "lossRuns": [
    {
      "id": "C1",
      "claimNumber": "CLM-1",
      "policyNumber": "GL-100",
      "lossDate": "2025-06-01",
      "status": "closed",
      "paidAmount": 25000,
      "reservedAmount": 0,
      "cause": "Slip",
      "currency": "USD",
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/underwriting-evidence-completeness$0.03 USDC

Check underwriting evidence completeness

Check caller-supplied evidence items against a required checklist. Missing items are flagged; coverage is not confirmed.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "requiredEvidence": [
    "Current policy declarations/schedule",
    "Loss runs (3–5 years)",
    "Contract insurance requirements"
  ],
  "evidenceItems": [
    {
      "id": "EV1",
      "label": "Current policy declarations/schedule",
      "present": true,
      "source": "Caller-supplied"
    },
    {
      "id": "EV2",
      "label": "Loss runs (3–5 years)",
      "present": false,
      "source": "Caller-supplied"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "checked",
  "requiredCount": 3,
  "presentCount": 1,
  "items": [
    {
      "id": "REQEV-1",
      "label": "Current policy declarations/schedule",
      "present": true,
      "matchedEvidenceId": "EV1",
      "matchScore": 1,
      "coverageConfirmed": false,
      "source": "Caller-supplied"
    },
    {
      "id": "REQEV-2",
      "label": "Loss runs (3–5 years)",
      "present": false,
      "matchedEvidenceId": "",
      "matchScore": 1,
      "coverageConfirmed": false,
      "source": "Caller-supplied"
    },
    {
      "id": "REQEV-3",
      "label": "Contract insurance requirements",
      "present": false,
      "matchedEvidenceId": "",
      "matchScore": 0,
      "coverageConfirmed": false,
      "source": "Caller-supplied"
    }
  ],
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "coverageConfirmed": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [
    {
      "kind": "missing",
      "code": "evidence_item",
      "subject": "Loss runs (3–5 years)",
      "detail": "Underwriting evidence not marked present: \"Loss runs (3–5 years)\"."
    },
    {
      "kind": "missing",
      "code": "evidence_item",
      "subject": "Contract insurance requirements",
      "detail": "Underwriting evidence not marked present: \"Contract insurance requirements\"."
    }
  ],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/underwriting-evidence-completeness" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "requiredEvidence": [
    "Current policy declarations/schedule",
    "Loss runs (3–5 years)",
    "Contract insurance requirements"
  ],
  "evidenceItems": [
    {
      "id": "EV1",
      "label": "Current policy declarations/schedule",
      "present": true,
      "source": "Caller-supplied"
    },
    {
      "id": "EV2",
      "label": "Loss runs (3–5 years)",
      "present": false,
      "source": "Caller-supplied"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/insurance-intelligence/program-comparison$0.08 USDC

Compare insurance programs

Aggregate policy, limit, exclusion, deductible, premium, coverage-gap, and renewal comparisons from caller-supplied program records only.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`files`	No	array; Array
`policies`	No	array; Array
`limits`	No	array; Array
`exclusions`	No	array; Array
`deductibles`	No	array; Array
`premiums`	No	array; Array
`requirements`	No	array; Array
`lossRuns`	No	array; Array
`evidenceItems`	No	array; Array
`requiredEvidence`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-04T21:00:00.000Z",
  "policies": [
    {
      "id": "P1",
      "policyNumber": "GL-100",
      "insurer": "Example Mutual",
      "insured": "Acme LLC",
      "lineOfBusiness": "General Liability",
      "premium": 12000,
      "effectiveAt": "2025-01-01",
      "expiresAt": "2026-01-01",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "P2",
      "policyNumber": "GL-200",
      "insurer": "Example Mutual",
      "insured": "Acme LLC",
      "lineOfBusiness": "General Liability",
      "premium": 14500,
      "effectiveAt": "2026-01-01",
      "expiresAt": "2027-01-01",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "limits": [
    {
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "coverage": "Each Occurrence",
      "limitAmount": 2000000,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "exclusions": [
    {
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "title": "Cyber",
      "text": "Cyber liability exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "deductibles": [
    {
      "coverage": "Each Occurrence",
      "amount": 5000,
      "type": "deductible",
      "appliesPer": "occurrence",
      "source": "Caller-supplied"
    }
  ],
  "premiums": [
    {
      "amount": 12000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "amount": 14500,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "requirements": [
    {
      "coverage": "Each Occurrence",
      "minLimitAmount": 2000000,
      "maxDeductibleAmount": 10000,
      "requiredEndorsement": "Additional Insured",
      "source": "Caller-supplied contract"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "compared",
  "sections": {
    "policies": {
      "policyCount": 2
    },
    "limits": {
      "pairCount": 1
    },
    "exclusions": {
      "pairCount": 1
    },
    "deductibles": {
      "deductibleCount": 1
    },
    "premiums": {
      "changeCount": 1
    },
    "coverageGaps": {
      "requirementCount": 1,
      "gapCount": 1
    },
    "renewalChanges": {
      "changeCount": 2
    }
  },
  "coverageConfirmed": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "insurerConnected": false,
  "brokerConnected": false,
  "preliminaryDocumentAnalysisOnly": true,
  "pdfExtracted": false,
  "findings": [
    {
      "kind": "observation",
      "code": "limit_delta",
      "subject": "LIM-1",
      "detail": "Limit delta 1000000 for coverage \"Each Occurrence\"."
    },
    {
      "kind": "conflict",
      "code": "coverage_gap",
      "subject": "REQ-1",
      "detail": "Coverage gaps: missing_required_endorsement_signal."
    }
  ],
  "limitations": [
    "Policies, schedules, limits, exclusions, deductibles, premiums, requirements, loss runs, and evidence items are copied only from labeled fields or local PDF/text extraction of caller-uploaded files.",
    "No insurer or broker system is contacted and no API key is required.",
    "PDF text extraction is local and heuristic. Scanned/image-only PDFs are not OCR-read. Missing values are not invented.",
    "Results are preliminary document analysis for underwriting workflow support. They are not confirmation of insurance coverage, a coverage determination, or legal advice.",
    "Program and renewal comparisons use only supplied sides/labels. Insurer confirmation is not claimed."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/insurance-intelligence/program-comparison" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-04T21:00:00.000Z",
  "policies": [
    {
      "id": "P1",
      "policyNumber": "GL-100",
      "insurer": "Example Mutual",
      "insured": "Acme LLC",
      "lineOfBusiness": "General Liability",
      "premium": 12000,
      "effectiveAt": "2025-01-01",
      "expiresAt": "2026-01-01",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "id": "P2",
      "policyNumber": "GL-200",
      "insurer": "Example Mutual",
      "insured": "Acme LLC",
      "lineOfBusiness": "General Liability",
      "premium": 14500,
      "effectiveAt": "2026-01-01",
      "expiresAt": "2027-01-01",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "limits": [
    {
      "coverage": "Each Occurrence",
      "limitAmount": 1000000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "coverage": "Each Occurrence",
      "limitAmount": 2000000,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "exclusions": [
    {
      "title": "Pollution",
      "text": "Pollution exclusion",
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "title": "Cyber",
      "text": "Cyber liability exclusion",
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "deductibles": [
    {
      "coverage": "Each Occurrence",
      "amount": 5000,
      "type": "deductible",
      "appliesPer": "occurrence",
      "source": "Caller-supplied"
    }
  ],
  "premiums": [
    {
      "amount": 12000,
      "side": "prior",
      "source": "Caller-supplied"
    },
    {
      "amount": 14500,
      "side": "renewal",
      "source": "Caller-supplied"
    }
  ],
  "requirements": [
    {
      "coverage": "Each Occurrence",
      "minLimitAmount": 2000000,
      "maxDeductibleAmount": 10000,
      "requiredEndorsement": "Additional Insured",
      "source": "Caller-supplied contract"
    }
  ]
}
JSON