# Insurance Underwriting & Policy Intelligence API

> Normalize insurance policies, compare limits and exclusions, extract deductibles, detect renewal and premium changes, find coverage gaps versus contract requirements, normalize loss runs, check underwriting evidence completeness, and compare insurance programs—using caller-uploaded documents processed locally only.

- Product: https://www.brainiac.software/api/insurance-intelligence
- Docs: https://www.brainiac.software/api/insurance-intelligence/docs
- OpenAPI: https://www.brainiac.software/api/insurance-intelligence/openapi.json
- Contact: support@brainiac.software (https://www.brainiac.software/contact)

## Operations

- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-policy-normalize
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-policy-limit-compare
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-policy-exclusion-compare
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-deductible-structure-extract
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-renewal-change-detect
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-premium-change-analyze
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-coverage-gap-detect
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-loss-run-normalize
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-underwriting-evidence-completeness
- POST /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. Docs: https://www.brainiac.software/api/insurance-intelligence/docs#insurance-intelligence-program-comparison