{ "name": "OnePark Risk", "description": "OnePark Risk is an independent insurance brokerage for startups, technology firms, and high-growth business owners — designing cyber, Tech E&O, D&O, EPLI, commercial, and private risk programs that move at the speed of growth.", "version": "1", "updated": "2026-10-18", "canonical": "https://oneparkrisk.com/.well-known/ai-agent.json", "leadSource": "ai_agent", "access": { "mcpServerRequired": false, "apiKeyRequired": false, "integrationRequired": false, "statement": "No MCP server, API integration, or developer setup is required. An AI agent or assistant that can browse the web uses the same forms a person does: submit the broker review request or the Business Application on this site, and OnePark’s brokers send follow-up questions, available quotes, and next steps by email; reply by email to keep the process moving. The JSON endpoints are optional, for agents that prefer them.", "browserForms": { "business_insurance_request": "https://oneparkrisk.com/ai-agents/submit", "business_insurance_application": "https://oneparkrisk.com/business-application?source=ai_agent" }, "followUp": "OnePark’s brokers send follow-up questions, available quotes, and next steps by email to the inboxes named in the submission; the assistant or the business replies by email to keep the process moving.", "endpoints": "Each capability below also lists a JSON endpoint under api. The endpoints are optional, for agents that prefer them; the browser form named under browserForms is sufficient on its own." }, "chooseBetween": { "business_insurance_request": "Start with a broker review request. A short form: business basics, goals, timeline, and who to email. Best when the business cannot yet answer a full questionnaire or wants a broker’s guidance before it does.", "business_insurance_application": "File the complete application. The full Business Application: the coverages, every required question answered or explicitly marked unknown, the operating states, the authorized representative, and the business’s acknowledgement. Fill the browser form, or send the same questionnaire as one JSON body. Best when the business has its answers ready.", "rules": [ "Use the request when the business cannot yet answer the questionnaire, wants a broker’s guidance first, or has a fit question before applying.", "Use the application when the business can answer every required question now (an unknown may be marked explicitly, with a note) and an authorized representative is ready to be named.", "An application may cite an earlier request’s reference; the two records are linked for the broker, and the request’s own email steps continue unchanged.", "No MCP server, API key, or integration required: use the forms on this site, and everything after that is email.", "Neither door binds coverage. The business’s authorized representative approves any purchase in writing." ] }, "capabilities": [ { "id": "business_insurance_request", "summary": "Submit a business insurance request on behalf of a business that has authorized you. A OnePark broker reviews it and coordinates everything else by email. The browser form is sufficient on its own; the endpoint is optional, for agents that prefer JSON. The form is pages.submit; the endpoint is api.request.", "linesPlaced": [ { "id": "cyber", "label": "Cyber", "detail": "First-party loss, third-party liability, and breach response for technology-driven businesses." }, { "id": "tech_eo", "label": "Tech E&O", "detail": "Technology errors and omissions for software, services, and other technology firms." }, { "id": "do", "label": "D&O", "detail": "Directors and officers liability for operating companies and their boards." }, { "id": "epli", "label": "EPLI", "detail": "Employment practices liability." }, { "id": "commercial", "label": "Commercial property and casualty", "detail": "Commercial property, business interruption, commercial auto, umbrella, workers' compensation, and product liability programs for operating companies." }, { "id": "private_client", "label": "Private client", "detail": "Homeowners, auto, personal umbrella, valuable articles, and family-office programs for founders, executives, and their families, coordinated alongside the business risk." } ], "underwritingFit": "Carrier selection depends on industry, geography, loss history, coverage limits, and underwriting fit.", "licensedStates": [ { "code": "NY", "name": "New York" }, { "code": "CA", "name": "California" }, { "code": "DE", "name": "Delaware" }, { "code": "MA", "name": "Massachusetts" }, { "code": "PA", "name": "Pennsylvania" }, { "code": "NJ", "name": "New Jersey" }, { "code": "NV", "name": "Nevada" }, { "code": "FL", "name": "Florida" }, { "code": "VA", "name": "Virginia" } ], "outsideFootprint": "If the business’s primary location is outside these states, state that location clearly in the request. OnePark will tell you by email whether it can help there or will refer the business elsewhere; do not treat the licensed-state list as a promise of placement in any state.", "guide": { "html": "https://oneparkrisk.com/ai-agents/instructions", "markdown": "https://oneparkrisk.com/ai-agents/instructions.md" }, "pages": { "landing": "https://oneparkrisk.com/ai-agents", "submit": "https://oneparkrisk.com/ai-agents/submit", "howItWorks": "https://oneparkrisk.com/ai-agents/how-it-works", "forBusinessOwners": "https://oneparkrisk.com/ai-agents/for-business-owners", "supporting": [ "https://oneparkrisk.com/ai-agents/cyber-and-tech-insurance", "https://oneparkrisk.com/ai-agents/renewals", "https://oneparkrisk.com/ai-agents/contract-requirements", "https://oneparkrisk.com/ai-agents/professional-liability" ] }, "api": { "token": { "method": "GET", "url": "https://oneparkrisk.com/api/ai-agents/token", "response": "{\"token\": \"\"}", "minimumAgeSeconds": 2, "maximumAgeHours": 2 }, "request": { "method": "POST", "url": "https://oneparkrisk.com/api/ai-agents/requests", "contentType": "application/json", "tokenField": "formToken", "bodyRule": "Send only the keys listed under fields, plus formToken; each field's inputs entry gives the accepted value per key (option values, not labels). Any other key is rejected with 400.", "referenceFormat": "\"AI-\" followed by 8 characters, each a digit or an upper-case letter other than I, L, O, and U, for example AI-7Q4K9XM2", "referencePattern": "^AI-[0123456789ABCDEFGHJKMNPQRSTVWXYZ]{8}$", "responses": { "201": "Saved. The body carries reference (\"AI-\" followed by 8 characters, each a digit or an upper-case letter other than I, L, O, and U, for example AI-7Q4K9XM2; it matches referencePattern), status (one of email_confirmation_needed, business_authorization_needed, broker_review, information_needed, shopping_coverage, options_ready, approval_needed, bind_request_submitted, coverage_bound, policy_delivered, closed), receiptToken (shown once and never reissued: keep it with the reference to call receipt and resend later), legalBusinessName, followUpEmailMasked, confirmationEmail, and notification. An identical retry with the same formToken returns 201 with replayed: true and the same reference, without a receiptToken.", "400": "Validation failed (missing, malformed, or unrecognized keys); the body lists the fields to correct.", "409": "The token was already used with different details; fetch a new token.", "429": "Token invalid or expired, or the sender should wait before submitting again." } }, "receipt": { "method": "POST", "urlTemplate": "https://oneparkrisk.com/api/ai-agents/requests/{reference}/receipt", "referencePlaceholder": "{reference}", "contentType": "application/json", "tokenField": "receiptToken", "body": { "receiptToken": "" }, "summary": "Read the current status of a request filed earlier, at any time. Replace the placeholder in urlTemplate with the reference from the 201 and send the receiptToken from that same 201. Nothing is sent or changed.", "responseFields": { "success": "true", "request.reference": "The request reference.", "request.legalBusinessName": "The business the request was filed for.", "request.status": "Current status: one of the ids under statuses.", "request.submittedAt": "ISO 8601 time the request was first saved; confirmation steps never reset it.", "request.followUpEmailMasked": "The follow-up inbox, masked.", "request.representativeEmailMasked": "The authorized representative's inbox, masked.", "request.sameInbox": "true when the follow-up inbox and the representative's inbox are the same address.", "request.verification": "Inbox confirmation: one of pending, verified.", "request.authorization": "Business authorization: one of pending, authorized, declined.", "request.confirmationSendCount": "How many confirmation and authorization emails have been sent for this request so far.", "request.lastConfirmationSentAt": "ISO 8601 time of the most recent of those emails, or null.", "request.details": "The submitted answers as stored, keyed by the JSON keys under fields; the two inboxes appear only masked, above." }, "responses": { "200": "The body carries success and request (fields above).", "404": "Unknown reference, or a missing or wrong receiptToken; the response does not say which." } }, "resend": { "method": "POST", "urlTemplate": "https://oneparkrisk.com/api/ai-agents/requests/{reference}/resend", "referencePlaceholder": "{reference}", "contentType": "application/json", "tokenField": "receiptToken", "body": { "receiptToken": "" }, "summary": "Re-send the email for the step still outstanding: the inbox confirmation while the follow-up inbox is unverified, otherwise the authorization email to the representative. Each send issues a fresh link and expires the previous one. Use this when an email is delayed instead of filing the request again. Each request gets 4 confirmation emails on demand, counting the one sent at filing; after that, one further send is accepted per hour, measured from the most recent send (sendAllowance).", "sendAllowance": { "onDemand": 4, "quietHoursAfterwards": 1 }, "responseFields": { "success": "true", "confirmationEmail": "Outcome of the inbox-confirmation send: one of sent, failed, unavailable, or not_needed when that step is not the outstanding one.", "authorizationEmail": "Outcome of the authorization send: one of sent, failed, unavailable, or not_needed when that step is not the outstanding one.", "request.reference": "The request reference.", "request.legalBusinessName": "The business the request was filed for.", "request.status": "Current status: one of the ids under statuses.", "request.submittedAt": "ISO 8601 time the request was first saved; confirmation steps never reset it.", "request.followUpEmailMasked": "The follow-up inbox, masked.", "request.representativeEmailMasked": "The authorized representative's inbox, masked.", "request.sameInbox": "true when the follow-up inbox and the representative's inbox are the same address.", "request.verification": "Inbox confirmation: one of pending, verified.", "request.authorization": "Business authorization: one of pending, authorized, declined.", "request.confirmationSendCount": "How many confirmation and authorization emails have been sent for this request so far.", "request.lastConfirmationSentAt": "ISO 8601 time of the most recent of those emails, or null.", "request.details": "The submitted answers as stored, keyed by the JSON keys under fields; the two inboxes appear only masked, above." }, "responses": { "200": "The send was attempted; confirmationEmail and authorizationEmail report the outcome, and request carries the receipt fields after the send.", "404": "Unknown reference, or a missing or wrong receiptToken; the response does not say which.", "409": "Nothing to resend: the request is closed, or both the inbox and the business authorization are already confirmed.", "429": "The 4 on-demand sends are used and the most recent send is less than an hour old; the Retry-After header gives the seconds until the next send is accepted." } }, "correctEmail": { "method": "POST", "urlTemplate": "https://oneparkrisk.com/api/ai-agents/requests/{reference}/correct-email", "referencePlaceholder": "{reference}", "contentType": "application/json", "tokenField": "receiptToken", "body": { "receiptToken": "", "followUpEmail": "", "representativeEmail": "" }, "bodyRule": "Send receiptToken, followUpEmail, and optionally representativeEmail; each fields entry gives the accepted value. Any other key is rejected with 400.", "fields": { "followUpEmail": { "required": true, "input": { "type": "email" }, "meaning": "The corrected follow-up inbox. The new confirmation email goes here, and so does every later message about the request." }, "representativeEmail": { "required": false, "input": { "type": "email" }, "meaning": "The corrected inbox of the authorized representative, when that address was wrong too; omit the key to keep the one filed." } }, "summary": "Correct a mistyped follow-up inbox after filing, without filing again: send the receiptToken from the 201 with the corrected address under followUpEmail (and the representative's corrected address under representativeEmail when that was wrong too). The corrected inbox must be confirmed again: verification returns to pending, every confirmation and authorization link sent earlier stops working, a new confirmation email goes to the corrected inbox, and the status returns to email_confirmation_needed. The submission time is unchanged. The send counts against the same allowance as resend (sendAllowance).", "sendAllowance": { "onDemand": 4, "quietHoursAfterwards": 1 }, "responseFields": { "success": "true", "confirmationEmail": "Outcome of the confirmation send to the corrected inbox: one of sent, failed, unavailable.", "request.reference": "The request reference.", "request.legalBusinessName": "The business the request was filed for.", "request.status": "Current status: one of the ids under statuses.", "request.submittedAt": "ISO 8601 time the request was first saved; confirmation steps never reset it.", "request.followUpEmailMasked": "The follow-up inbox, masked.", "request.representativeEmailMasked": "The authorized representative's inbox, masked.", "request.sameInbox": "true when the follow-up inbox and the representative's inbox are the same address.", "request.verification": "Inbox confirmation: one of pending, verified.", "request.authorization": "Business authorization: one of pending, authorized, declined.", "request.confirmationSendCount": "How many confirmation and authorization emails have been sent for this request so far.", "request.lastConfirmationSentAt": "ISO 8601 time of the most recent of those emails, or null.", "request.details": "The submitted answers as stored, keyed by the JSON keys under fields; the two inboxes appear only masked, above." }, "responses": { "200": "The address was changed and the confirmation send attempted; confirmationEmail reports the outcome, and request carries the receipt fields after the change (verification pending, status email_confirmation_needed, followUpEmailMasked showing the corrected inbox).", "400": "Validation failed (a malformed or missing address, or a key other than those listed); the body lists the fields to correct. Nothing is changed or sent.", "404": "Unknown reference, or a missing or wrong receiptToken; the response does not say which.", "409": "The address can no longer be corrected here: the request is closed, or the business has already authorized it (reply to the confirmation email to change where correspondence goes).", "429": "The 4 on-demand sends are used and the most recent send is less than an hour old; the Retry-After header gives the seconds until the next send is accepted. Nothing is changed." } } }, "fields": [ { "section": "Business information", "label": "Legal business name", "keys": [ "legalBusinessName" ], "required": true, "requirement": "Required", "notes": "Up to 200 characters.", "inputs": { "legalBusinessName": { "type": "text", "maxLength": 200, "minLength": 1 } } }, { "section": "Business information", "label": "Website", "keys": [ "website" ], "required": false, "requirement": "Optional", "notes": "A URL if the business has one.", "inputs": { "website": { "type": "text", "maxLength": 300 } } }, { "section": "Business information", "label": "Primary country", "keys": [ "primaryCountry" ], "required": true, "requirement": "Required", "notes": "Defaults to United States; any country may be entered.", "inputs": { "primaryCountry": { "type": "text", "maxLength": 120, "minLength": 1 } } }, { "section": "Business information", "label": "Primary state, province, or jurisdiction", "keys": [ "primaryState" ], "required": true, "requirement": "Required", "notes": "US states are offered as a list; other jurisdictions may be typed.", "inputs": { "primaryState": { "type": "text", "maxLength": 120, "minLength": 1 } } }, { "section": "Business information", "label": "Other operating locations", "keys": [ "otherLocations" ], "required": false, "requirement": "Optional", "notes": "Free text.", "inputs": { "otherLocations": { "type": "text", "maxLength": 600 } } }, { "section": "Business information", "label": "Description of business operations", "keys": [ "operationsDescription" ], "required": true, "requirement": "Required", "notes": "Written answer (at least 20 characters): products or services, typical customers, relevant activities.", "inputs": { "operationsDescription": { "type": "text", "maxLength": 4000, "minLength": 20 } } }, { "section": "Business information", "label": "Revenue or range", "keys": [ "revenueRange", "revenueIsEstimate" ], "required": false, "requirement": "Optional", "notes": "Options: Not provided yet (not_provided); Unknown (unknown); Under $250,000 (under_250k); $250,000 to under $1M (250k_1m); $1M to under $5M (1m_5m); $5M to under $25M (5m_25m); $25M or more (25m_plus). A separate checkbox (revenueIsEstimate, true or false) marks the figure as an estimate.", "inputs": { "revenueRange": { "type": "select", "values": [ { "value": "not_provided", "label": "Not provided yet" }, { "value": "unknown", "label": "Unknown" }, { "value": "under_250k", "label": "Under $250,000" }, { "value": "250k_1m", "label": "$250,000 to under $1M" }, { "value": "1m_5m", "label": "$1M to under $5M" }, { "value": "5m_25m", "label": "$5M to under $25M" }, { "value": "25m_plus", "label": "$25M or more" } ] }, "revenueIsEstimate": { "type": "boolean" } } }, { "section": "Business information", "label": "Employee count or range", "keys": [ "employeeRange", "employeeIsEstimate" ], "required": false, "requirement": "Optional", "notes": "Options: Not provided yet (not_provided); Unknown (unknown); 1 (owner only) (1); 2 to 10 (2_10); 11 to 50 (11_50); 51 to 200 (51_200); More than 200 (201_plus). A separate checkbox (employeeIsEstimate, true or false) marks the figure as an estimate.", "inputs": { "employeeRange": { "type": "select", "values": [ { "value": "not_provided", "label": "Not provided yet" }, { "value": "unknown", "label": "Unknown" }, { "value": "1", "label": "1 (owner only)" }, { "value": "2_10", "label": "2 to 10" }, { "value": "11_50", "label": "11 to 50" }, { "value": "51_200", "label": "51 to 200" }, { "value": "201_plus", "label": "More than 200" } ] }, "employeeIsEstimate": { "type": "boolean" } } }, { "section": "Goals and context", "label": "What is the business trying to accomplish?", "keys": [ "goals" ], "required": true, "requirement": "Required", "notes": "Written answer (at least 20 characters): first-time coverage, satisfying a contract, renewal review, improving coverage, reducing cost, adding a policy, or another goal.", "inputs": { "goals": { "type": "text", "maxLength": 4000, "minLength": 20 } } }, { "section": "Goals and context", "label": "What prompted the request?", "keys": [ "promptedBy" ], "required": false, "requirement": "Optional", "notes": "Written answer: business changes, customer requirements, fundraising, hiring, a lease, an upcoming renewal, or concerns with current coverage. May be combined with the goals answer.", "inputs": { "promptedBy": { "type": "text", "maxLength": 4000 } } }, { "section": "Goals and context", "label": "What matters most when comparing options?", "keys": [ "priorities" ], "required": false, "requirement": "Optional", "notes": "Written answer: price, coverage breadth, limits, deductibles, contractual requirements, or a deadline.", "inputs": { "priorities": { "type": "text", "maxLength": 4000 } } }, { "section": "Goals and context", "label": "Known coverage types", "keys": [ "knownCoverages" ], "required": false, "requirement": "Optional", "notes": "Multiple selections, sent as a JSON array of values: Help us determine what is needed (help_determine); Cyber (cyber); Technology errors and omissions (tech_eo); Professional liability (E&O) (professional_liability); General liability (general_liability); Business owner's policy (bop); Directors and officers liability (d_and_o); Employment practices liability (epli); Workers' compensation (workers_comp); Commercial property (commercial_property); Commercial auto (commercial_auto); Umbrella and excess liability (umbrella_excess); Other business insurance need (other).", "inputs": { "knownCoverages": { "type": "multiSelect", "values": [ { "value": "help_determine", "label": "Help us determine what is needed" }, { "value": "cyber", "label": "Cyber" }, { "value": "tech_eo", "label": "Technology errors and omissions" }, { "value": "professional_liability", "label": "Professional liability (E&O)" }, { "value": "general_liability", "label": "General liability" }, { "value": "bop", "label": "Business owner's policy" }, { "value": "d_and_o", "label": "Directors and officers liability" }, { "value": "epli", "label": "Employment practices liability" }, { "value": "workers_comp", "label": "Workers' compensation" }, { "value": "commercial_property", "label": "Commercial property" }, { "value": "commercial_auto", "label": "Commercial auto" }, { "value": "umbrella_excess", "label": "Umbrella and excess liability" }, { "value": "other", "label": "Other business insurance need" } ] } } }, { "section": "Goals and context", "label": "Coverage and requirement details", "keys": [ "coverageContext" ], "required": false, "requirement": "Optional", "notes": "Written answer: required limits, contract requirements, existing policies or insurer, other relevant details.", "inputs": { "coverageContext": { "type": "text", "maxLength": 4000 } } }, { "section": "Goals and context", "label": "Anything else the broker should know?", "keys": [ "additionalNotes" ], "required": false, "requirement": "Optional", "notes": "Written briefing.", "inputs": { "additionalNotes": { "type": "text", "maxLength": 4000 } } }, { "section": "Timeline", "label": "Desired effective date or deadline", "keys": [ "desiredEffectiveDate", "desiredDateUnknown", "noFixedDeadline" ], "required": false, "requirement": "Optional", "notes": "YYYY-MM-DD, with “Not sure” (desiredDateUnknown) and “No fixed deadline” (noFixedDeadline) checkboxes, true or false.", "inputs": { "desiredEffectiveDate": { "type": "date", "format": "YYYY-MM-DD" }, "desiredDateUnknown": { "type": "boolean" }, "noFixedDeadline": { "type": "boolean" } } }, { "section": "Timeline", "label": "Current renewal date", "keys": [ "currentRenewalDate" ], "required": false, "requirement": "Optional", "notes": "YYYY-MM-DD, if relevant.", "inputs": { "currentRenewalDate": { "type": "date", "format": "YYYY-MM-DD" } } }, { "section": "Timeline", "label": "When do you need insurance in place, and why?", "keys": [ "timelineExplanation" ], "required": true, "requirement": "Required", "notes": "Written answer (at least 15 characters) covering contract start dates, renewals, business events, or other deadlines, and whether the date is firm or flexible.", "inputs": { "timelineExplanation": { "type": "text", "maxLength": 4000, "minLength": 15 } } }, { "section": "Timeline", "label": "Is the deadline firm, flexible, or unknown?", "keys": [ "deadlineFlexibility" ], "required": true, "requirement": "Required", "notes": "Options: Firm (firm), Flexible (flexible), Unknown (unknown).", "inputs": { "deadlineFlexibility": { "type": "select", "values": [ { "value": "firm", "label": "Firm" }, { "value": "flexible", "label": "Flexible" }, { "value": "unknown", "label": "Unknown" } ] } } }, { "section": "Submitter and correspondence", "label": "Submitter type", "keys": [ "submitterType" ], "required": true, "requirement": "Required", "notes": "Options: AI assistant or agent (ai_assistant); Business owner or employee (business_owner_or_employee); Other authorized representative (authorized_representative).", "inputs": { "submitterType": { "type": "select", "values": [ { "value": "ai_assistant", "label": "AI assistant or agent" }, { "value": "business_owner_or_employee", "label": "Business owner or employee" }, { "value": "authorized_representative", "label": "Other authorized representative" } ] } } }, { "section": "Submitter and correspondence", "label": "Assistant or platform", "keys": [ "assistantPlatform" ], "required": false, "requirement": "Optional", "notes": "Options: ChatGPT (chatgpt); OpenAI dot (including a personal dot) (openai_dot); Claude (claude); Grok or Grok Bot (grok); Meta Muse (meta_muse); Instinct (instinct); Google Gemini (gemini); Microsoft Copilot (copilot); Perplexity (perplexity); Manus (manus); Other / custom assistant (other_custom); Not specified (not_specified). The selection never affects whether a request is accepted.", "inputs": { "assistantPlatform": { "type": "select", "values": [ { "value": "not_specified", "label": "Not specified" }, { "value": "chatgpt", "label": "ChatGPT" }, { "value": "openai_dot", "label": "OpenAI dot (including a personal dot)" }, { "value": "claude", "label": "Claude" }, { "value": "grok", "label": "Grok or Grok Bot" }, { "value": "meta_muse", "label": "Meta Muse" }, { "value": "instinct", "label": "Instinct" }, { "value": "gemini", "label": "Google Gemini" }, { "value": "copilot", "label": "Microsoft Copilot" }, { "value": "perplexity", "label": "Perplexity" }, { "value": "manus", "label": "Manus" }, { "value": "other_custom", "label": "Other / custom assistant" } ] } } }, { "section": "Submitter and correspondence", "label": "Routine follow-up email", "keys": [ "followUpEmail" ], "required": true, "requirement": "Required", "notes": "A monitored inbox. If the assistant cannot access email, use the business contact's address.", "inputs": { "followUpEmail": { "type": "email" } } }, { "section": "Submitter and correspondence", "label": "Authorized business representative: name, role, and email", "keys": [ "representativeName", "representativeRole", "representativeEmail" ], "required": true, "requirement": "Required", "notes": "A “same as follow-up email” option is available.", "inputs": { "representativeName": { "type": "text", "maxLength": 200, "minLength": 1 }, "representativeRole": { "type": "text", "maxLength": 200, "minLength": 1 }, "representativeEmail": { "type": "email" } } }, { "section": "Submitter and correspondence", "label": "Proposed correspondence recipients", "keys": [ "proposedRecipients" ], "required": false, "requirement": "Optional", "notes": "Additional addresses OnePark may include, comma separated.", "inputs": { "proposedRecipients": { "type": "text", "maxLength": 600 } } }, { "section": "Submitter and correspondence", "label": "Coordination instructions", "keys": [ "coordinationInstructions" ], "required": false, "requirement": "Optional", "notes": "How follow-ups should be handled; who answers what.", "inputs": { "coordinationInstructions": { "type": "text", "maxLength": 2000 } } }, { "section": "Accuracy and permission", "label": "Permission acknowledgment", "keys": [ "permissionAcknowledged" ], "required": true, "requirement": "Required acknowledgment", "notes": "Send true. “I have permission to submit this business's information and request an insurance review. I understand that OnePark may need confirmation from the business's authorized representative before proceeding.”", "inputs": { "permissionAcknowledged": { "type": "boolean", "mustBe": true } } } ], "coverageOptions": [ { "value": "help_determine", "label": "Help us determine what is needed" }, { "value": "cyber", "label": "Cyber" }, { "value": "tech_eo", "label": "Technology errors and omissions" }, { "value": "professional_liability", "label": "Professional liability (E&O)" }, { "value": "general_liability", "label": "General liability" }, { "value": "bop", "label": "Business owner's policy" }, { "value": "d_and_o", "label": "Directors and officers liability" }, { "value": "epli", "label": "Employment practices liability" }, { "value": "workers_comp", "label": "Workers' compensation" }, { "value": "commercial_property", "label": "Commercial property" }, { "value": "commercial_auto", "label": "Commercial auto" }, { "value": "umbrella_excess", "label": "Umbrella and excess liability" }, { "value": "other", "label": "Other business insurance need" } ], "statuses": [ { "id": "email_confirmation_needed", "label": "Email confirmation needed", "meaning": "The request exists; the correspondence inbox needs verification." }, { "id": "business_authorization_needed", "label": "Business authorization needed", "meaning": "Shopping authorization or recipient approval is outstanding." }, { "id": "broker_review", "label": "Broker review", "meaning": "OnePark is reviewing the request." }, { "id": "information_needed", "label": "Information needed", "meaning": "A specific answer or document is outstanding." }, { "id": "shopping_coverage", "label": "Shopping coverage", "meaning": "Appropriate market submissions have occurred." }, { "id": "options_ready", "label": "Options ready", "meaning": "Actual quotes or indications are available." }, { "id": "approval_needed", "label": "Approval needed", "meaning": "The business must approve a specific next step." }, { "id": "bind_request_submitted", "label": "Bind request submitted", "meaning": "Binding has been requested; confirmation is pending." }, { "id": "coverage_bound", "label": "Coverage bound", "meaning": "Binding has been confirmed, with effective terms and any conditions identified." }, { "id": "policy_delivered", "label": "Policy delivered", "meaning": "Final policy documents have been supplied." }, { "id": "closed", "label": "Unable to place / withdrawn / closed", "meaning": "The request is no longer active. OnePark explains the reason and any available next action." } ], "responseGoal": "Response goal: first substantive reply by email in one business day or less.", "responseGoalQualifier": "This is the goal for the first substantive response from OnePark, measured from the original submission. It is not a guarantee that quotes, underwriting, or binding will be completed within one business day.", "statement": "Submitting a request does not bind coverage and does not guarantee carrier approval or a quote. A OnePark broker will follow up by email with questions, options, or the next step.", "disclosure": "Submitting a request does not purchase or bind insurance. Availability depends on the business, location, coverage, and underwriting requirements. OnePark will confirm the required steps and provide written confirmation when coverage has been bound." }, { "id": "business_insurance_application", "summary": "The full Business Application: the coverages, every required question answered or explicitly marked unknown, the operating states, the authorized representative, and the business’s acknowledgement. Fill the browser form, or send the same questionnaire as one JSON body. Best when the business has its answers ready. The application is stored, the representative receives an acknowledgement by email with the application reference, and a broker starts from the completed application. There is no link to click; questions and options come by email. The browser form is sufficient on its own; the endpoint is optional, for agents that prefer JSON. The form is pages.form; the endpoint is api.application.", "when": "Use the application when the business can answer every required question now (an unknown may be marked explicitly, with a note) and an authorized representative is ready to be named.", "guide": { "html": "https://oneparkrisk.com/ai-agents/instructions", "markdown": "https://oneparkrisk.com/ai-agents/instructions.md", "section": "Application in one call" }, "pages": { "landing": "https://oneparkrisk.com/ai-agents", "form": "https://oneparkrisk.com/business-application?source=ai_agent", "howItWorks": "https://oneparkrisk.com/ai-agents/how-it-works" }, "api": { "token": { "method": "GET", "url": "https://oneparkrisk.com/api/ai-agents/token", "response": "{\"token\": \"\"}", "minimumAgeSeconds": 2, "maximumAgeHours": 2 }, "application": { "method": "POST", "url": "https://oneparkrisk.com/api/ai-agents/applications", "contentType": "application/json", "tokenField": "formToken", "bodyRule": "Send only the keys listed under body, plus formToken. Answers go under sections by section id and field id exactly as published under questionnaire; option values are sent verbatim. Any other top-level key is rejected with 400.", "body": { "coverages": { "required": true, "value": "JSON array of coverage ids from coverages (values, not labels); at least one. Drives which questionnaire sections apply." }, "profile": { "required": false, "value": "One of profiles (default generic); real-estate and construction reveal their own sections." }, "operatingStates": { "required": true, "value": "JSON array of two-letter US state codes (DC allowed), at least one." }, "sections": { "required": true, "value": "Object: section id, then field id, then the answer, using the ids under questionnaire. Send only the sections the coverage selection reveals; unknown ids are rejected, hidden sections and questions are ignored. Do not send coverage_selection.selected_coverages; the server fills it from coverages." }, "submitter": { "required": true, "value": "Object {type, platform}: type one of submitterTypes, platform (optional) one of platforms." }, "authorization": { "required": true, "value": "Object {representativeName, representativeRole, representativeEmail, followUpEmail (optional), acknowledged: true}. acknowledged is the business's statement, given through you, of acknowledgementText." }, "narrative": { "required": false, "value": "Free text for the broker, up to 8000 characters; stored as the application's additional notes." }, "attachments": { "required": false, "value": "JSON array (up to 5) of documents uploaded through api.upload, each {url, filename, size, mimeType (optional), category}; category one of api.upload.categories. Every referenced upload must exist and be within api.upload.maxFileBytes, or the whole body is 400 validation." }, "requestReference": { "required": false, "value": "The reference of an earlier business_insurance_request for the same business; the two records are linked for the broker." }, "attribution": { "required": false, "value": "Captured by the browser form; direct callers may omit it." }, "formToken": { "required": true, "value": "The token from api.token." } }, "unknownMarker": { "shape": "{\"unknown\": true, \"note\": \"\"}", "noteMaxLength": 500, "rule": "Any question may take this marker instead of a value, except the business facts named under gate. Do not invent answers; every marked unknown is listed for the broker." }, "gate": [ "At least one coverage id. When the only coverage is \"not-sure\", coverage_selection.primary_concern must describe what prompted the application in at least 40 characters.", "business_information.legal_business_name, a headquarters_address that names a US state or DC, industry or business_description, annual_revenue or total_employees, and primary_contact_email, each as a real answer (not an unknown).", "Every required question of every section the coverage selection and profile reveal, answered or explicitly marked {\"unknown\": true, \"note\": \"…\"}; conditional questions count only while their showWhen rule matches.", "Option values exactly as published (labels are the values); unknown section ids and field ids are rejected; sections and questions the selection hides are ignored.", "operatingStates (two-letter codes, at least one), submitter, and authorization with acknowledged: true." ], "referenceFormat": "\"AP-\" followed by 8 characters, each a digit or an upper-case letter other than I, L, O, and U, for example AP-7Q4K9XM2", "referencePattern": "^AP-[0123456789ABCDEFGHJKMNPQRSTVWXYZ]{8}$", "responses": { "201": "Saved. The body carries applicationId, reference (\"AP-\" followed by 8 characters, each a digit or an upper-case letter other than I, L, O, and U, for example AP-7Q4K9XM2; it matches referencePattern), legalBusinessName, completeness, linkedRequestReference, acknowledgementEmail, and notification. An identical retry with the same formToken returns 201 with replayed: true and the same reference.", "400": "Either code validation (missing, malformed, or unrecognized keys, or an attachments entry whose upload does not exist or is over api.upload.maxFileBytes; the body names what to correct) or code not_an_application (the body did not meet gate; missing lists each question or fact still needed). Nothing is stored or emailed on a 400.", "409": "The token was already used with different answers; fetch a new token.", "429": "Token invalid or expired, or the sender should wait before submitting again." }, "responseFields": { "success": "true", "applicationId": "The stored application's id.", "reference": "The application reference; cite it in every later email.", "legalBusinessName": "The business the application was filed for.", "completeness.percent": "Required questions answered (unknown counts as answered), as a whole-number percentage.", "completeness.answeredRequired": "Required questions answered or marked unknown.", "completeness.totalRequired": "Required questions the coverage selection and profile revealed.", "completeness.unknown": "Each question marked unknown, as section.field.", "completeness.flags": "Advisor follow-up flags the answers raised, if any.", "linkedRequestReference": "The earlier request's reference when requestReference was sent, else null.", "acknowledgementEmail": "Outcome of the acknowledgement email to the representative: sent, failed, or unavailable; not_retried on a replay.", "notification": "Outcome of the internal notification to the brokers: sent, failed, or unavailable; not_retried on a replay.", "attachments": "The stored documents, each as filename, category, and size in bytes (empty when none were attached).", "replayed": "true only when this 201 repeats an earlier identical submission." } }, "upload": { "method": "POST", "url": "https://oneparkrisk.com/api/uploads/request-url", "contentType": "application/json", "body": { "name": "The filename, up to 255 characters, ending in one of extensions.", "size": "The file's size in bytes, at most maxFileBytes.", "contentType": "The file's MIME type, starting with one of contentTypePrefixes." }, "response": "201 with success: true, uploadURL (the signed PUT URL), and objectPath (the path to reference under attachments, matching objectPathPattern); 400 when the metadata is refused.", "put": "PUT the file's bytes to uploadURL with the same Content-Type header before the URL expires; no token or other header is needed.", "steps": [ "POST a JSON body {\"name\": \"\", \"size\": , \"contentType\": \"\"} to https://oneparkrisk.com/api/uploads/request-url (no token needed). The declared size must be at most 10 MB (10485760 bytes), the filename must end in one of .pdf, .doc, .docx, .xls, .xlsx, .ppt, .pptx, .txt, .png, .jpg, .jpeg, .gif, .webp, .heic, and the content type must start with one of application/pdf, application/msword, application/vnd.openxmlformats-officedocument, application/vnd.ms-excel, application/vnd.ms-powerpoint, text/plain, image/. A 201 carries uploadURL and objectPath; 400 means the metadata was refused.", "PUT the file's bytes to uploadURL with the same Content-Type header, within 15 minutes of the 201. The bytes go straight to storage and never pass through the application endpoint.", "In the application body, add one entry per file under attachments: {\"url\": \"\", \"filename\": \"\", \"size\": , \"mimeType\": \"\", \"category\": \"\"}. Up to 5 files per application, each referenced once. Categories: \"Existing policies\", \"Declarations pages\", \"Current applications\", \"Contract insurance requirements\", \"Certificates of insurance\", \"Security questionnaire or vendor-risk request\", \"Financial statements\", \"Loss runs\", \"Claims details\", \"Cap table or ownership summary\", \"Employee handbook\", \"Other\".", "The server confirms every referenced upload exists and holds at most 10 MB before anything is stored; a missing, unfinished, or oversized upload is a 400 with code validation naming the attachments entry, and nothing is stored or emailed." ], "maxFiles": 5, "maxFileBytes": 10485760, "maxFilenameLength": 255, "extensions": [ ".pdf", ".doc", ".docx", ".xls", ".xlsx", ".ppt", ".pptx", ".txt", ".png", ".jpg", ".jpeg", ".gif", ".webp", ".heic" ], "contentTypePrefixes": [ "application/pdf", "application/msword", "application/vnd.openxmlformats-officedocument", "application/vnd.ms-excel", "application/vnd.ms-powerpoint", "text/plain", "image/" ], "categories": [ "Existing policies", "Declarations pages", "Current applications", "Contract insurance requirements", "Certificates of insurance", "Security questionnaire or vendor-risk request", "Financial statements", "Loss runs", "Claims details", "Cap table or ownership summary", "Employee handbook", "Other" ], "objectPathPattern": "^\\/objects\\/uploads\\/[a-zA-Z0-9_-]{1,128}$", "attachmentFields": { "url": "The objectPath the upload request returned; each may be referenced once.", "filename": "The file's name as sent to the upload request.", "size": "The file's size in bytes (the stored size is recorded if it differs).", "mimeType": "Optional; the MIME type sent to the upload request.", "category": "One of categories, exactly as published." } } }, "coverages": [ { "value": "cyber", "label": "Cyber Liability" }, { "value": "tech-eo-with-cyber", "label": "Tech E&O with Cyber" }, { "value": "misc-eo", "label": "Miscellaneous E&O / Professional Liability" }, { "value": "directors-officers", "label": "Directors & Officers (D&O)" }, { "value": "epli", "label": "Employment Practices Liability (EPLI)" }, { "value": "fiduciary", "label": "Fiduciary Liability" }, { "value": "crime", "label": "Crime / Employee Dishonesty" }, { "value": "kidnap-ransom", "label": "Kidnap, Ransom & Extortion" }, { "value": "general-liability", "label": "General Liability" }, { "value": "property", "label": "Commercial Property" }, { "value": "auto", "label": "Commercial Auto" }, { "value": "workers-comp", "label": "Workers' Compensation" }, { "value": "umbrella", "label": "Umbrella / Excess Liability" }, { "value": "not-sure", "label": "Not sure — please advise" } ], "profiles": [ "generic", "real-estate", "construction" ], "submitterTypes": [ { "value": "ai_assistant", "label": "AI assistant or agent" }, { "value": "business_owner_or_employee", "label": "Business owner or employee" }, { "value": "authorized_representative", "label": "Other authorized representative" } ], "platforms": [ { "value": "not_specified", "label": "Not specified" }, { "value": "chatgpt", "label": "ChatGPT" }, { "value": "openai_dot", "label": "OpenAI dot (including a personal dot)" }, { "value": "claude", "label": "Claude" }, { "value": "grok", "label": "Grok or Grok Bot" }, { "value": "meta_muse", "label": "Meta Muse" }, { "value": "instinct", "label": "Instinct" }, { "value": "gemini", "label": "Google Gemini" }, { "value": "copilot", "label": "Microsoft Copilot" }, { "value": "perplexity", "label": "Perplexity" }, { "value": "manus", "label": "Manus" }, { "value": "other_custom", "label": "Other / custom assistant" } ], "valueRules": { "text": "A string, up to 500 characters.", "email": "A valid email address.", "tel": "A phone number as a string, up to 500 characters.", "url": "A URL as a string, up to 500 characters.", "number": "A number, sent as a string or a JSON number.", "currency": "An amount in US dollars, sent as a string (for example \"2400000\" or \"$2.4M\") or a JSON number.", "percent": "A percentage, sent as a string or a JSON number.", "date": "A date as a string; YYYY-MM-DD preferred.", "textarea": "Free text, up to 8000 characters.", "radio": "Exactly one of the published options, sent verbatim.", "select": "Exactly one of the published options, sent verbatim.", "triage": "Exactly one of the published options, sent verbatim; when the answer starts with \"Yes\" or is \"Not sure\", add the detailsKey with free text.", "checkbox-group": "A JSON array of the published options, each sent verbatim.", "address": "The full address as free text, up to 8000 characters; the headquarters address must name the state." }, "questionnaire": [ { "id": "coverage_selection", "title": "Coverages of interest", "showForCoverages": "always", "fields": [ { "id": "primary_concern", "label": "What's driving this conversation? (Optional)", "kind": "textarea", "required": false, "helper": "A renewal date, a customer contract, an investor request — anything we should plan around." } ], "description": "Which lines should we put in front of carriers? The rest of the application adapts to what you select." }, { "id": "business_information", "title": "Business information", "showForCoverages": "always", "fields": [ { "id": "legal_business_name", "label": "Legal business name", "kind": "text", "required": true }, { "id": "dba", "label": "Doing business as (if different)", "kind": "text", "required": false }, { "id": "website", "label": "Website", "kind": "url", "required": false }, { "id": "year_founded", "label": "Year founded", "kind": "number", "required": false }, { "id": "corporate_structure", "label": "Corporate structure", "kind": "radio", "required": true, "options": [ "Corporation", "Partnership", "Sole proprietorship", "Joint venture", "Limited liability company", "Limited liability partnership", "Professional association", "Professional corporation", "Trust", "Other" ] }, { "id": "corporate_structure_other", "label": "Please describe the organization structure", "kind": "textarea", "required": false, "showWhen": { "field": "corporate_structure", "equals": "Other" } }, { "id": "headquarters_address", "label": "Headquarters address", "kind": "address", "required": true }, { "id": "states_of_operation", "label": "Other states or countries of operation", "kind": "textarea", "required": false }, { "id": "industry", "label": "Industry / NAICS description", "kind": "text", "required": true }, { "id": "business_description", "label": "Brief description of operations", "kind": "textarea", "required": true }, { "id": "annual_revenue", "label": "Most recent annual revenue", "kind": "currency", "required": true }, { "id": "projected_revenue", "label": "Projected revenue next 12 months", "kind": "currency", "required": false }, { "id": "total_employees", "label": "Total employees (W-2 + contractors)", "kind": "number", "required": true }, { "id": "top_customer_concentration", "label": "Largest customer as % of revenue", "kind": "percent", "required": false, "helper": "Used for advisor follow-up if any single customer exceeds 50%." }, { "id": "primary_contact_name", "label": "Primary contact name", "kind": "text", "required": true }, { "id": "primary_contact_title", "label": "Primary contact title", "kind": "text", "required": false }, { "id": "primary_contact_email", "label": "Primary contact email", "kind": "email", "required": true }, { "id": "primary_contact_phone", "label": "Primary contact phone", "kind": "tel", "required": false } ], "description": "Tell us about the company being insured." }, { "id": "eligibility_acknowledgements", "title": "Eligibility acknowledgements", "showForCoverages": "always", "fields": [ { "id": "eligibility_categories", "label": "Does the company operate in any of the following categories?", "kind": "checkbox-group", "required": true, "options": [ "Adult entertainment, gambling, or cannabis-related operations", "Cryptocurrency exchange or token issuance", "Crowdfunding platform", "Firearms manufacturing or distribution", "Payday lending or debt collection services", "Off-shore operations or sanctioned jurisdictions", "None of the above" ] }, { "id": "eligibility_details", "label": "If selected above, please describe", "kind": "textarea", "required": false, "showWhen": { "field": "eligibility_categories", "anySelectedExcept": [ "None of the above" ] } } ], "description": "Carriers ask these up front. They do not disqualify you on their own." }, { "id": "real_estate_risk", "title": "Property portfolio & operations", "showForCoverages": "always", "fields": [ { "id": "property_types", "label": "Which property types are in the portfolio? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Apartments / multifamily", "Office", "Retail", "Industrial / warehouse", "Mixed-use", "Hospitality / short-term rental", "Senior or student housing", "Vacant land or vacant buildings", "Other" ] }, { "id": "location_count", "label": "Number of locations / buildings", "kind": "number", "required": true }, { "id": "unit_count", "label": "Total number of units or tenant spaces (if applicable)", "kind": "number", "required": false }, { "id": "occupancy_profile", "label": "Occupancy profile", "kind": "select", "required": true, "options": [ "Fully owner-occupied", "Fully leased to tenants", "Mix of owner-occupied and leased", "Partially or fully vacant", "Not sure" ] }, { "id": "vacancy_percent", "label": "Approximate vacancy rate across the portfolio (%)", "kind": "percent", "required": false, "helper": "Vacancy above 20–30% changes which carriers can consider the risk." }, { "id": "total_insured_value", "label": "Total insured value across buildings and contents", "kind": "currency", "required": true }, { "id": "annual_rental_revenue", "label": "Annual rental / operating revenue", "kind": "currency", "required": false }, { "id": "oldest_building_year", "label": "Year built of the oldest building (approximate)", "kind": "number", "required": false }, { "id": "major_systems_updated", "label": "Have roofs, wiring, plumbing, and heating been updated in the last 25 years across the portfolio?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "catastrophe_exposures", "label": "Do any locations have the following exposures? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Coastal wind / named storm", "Flood zone (FEMA A or V)", "Wildfire-prone area", "Earthquake-prone area", "None of these apply", "Not sure" ] }, { "id": "lender_or_lease_requirements", "label": "Do lenders or leases impose specific insurance requirements you must satisfy?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "lender_or_lease_requirements_details" }, { "id": "property_program_in_force", "label": "Do you currently have a property / liability program in force for these locations?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ] }, { "id": "property_program_carrier", "label": "Current carrier(s) and expiration date", "kind": "text", "required": false, "showWhen": { "field": "property_program_in_force", "equals": "Yes" } }, { "id": "property_losses_past_5_years", "label": "Any property or liability losses in the last 5 years?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "property_losses_past_5_years_details" }, { "id": "real_estate_coverage_interests", "label": "Which coverages should we include in the program? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Commercial property", "General liability / premises liability", "Lessor's risk", "Umbrella / excess liability", "Flood or earthquake", "Equipment breakdown", "Ordinance or law", "Loss of rents / business income", "Environmental / pollution", "Not sure — please advise" ] } ], "description": "Asked on the Real Estate application. Approximate figures are fine — an advisor confirms details before anything goes to carriers.", "profiles": [ "real-estate" ] }, { "id": "construction_risk", "title": "Trades, projects & operations", "showForCoverages": "always", "fields": [ { "id": "trades_performed", "label": "Which trades do you perform? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "General contractor / construction management", "Electrical", "Plumbing / HVAC / mechanical", "Roofing", "Framing / carpentry", "Concrete / masonry", "Excavation / grading / sitework", "Painting / drywall / finishes", "Landscaping", "Specialty or artisan trade", "Other" ] }, { "id": "operations_description", "label": "Describe your typical operations and the work you self-perform", "kind": "textarea", "required": true }, { "id": "project_mix", "label": "Project mix", "kind": "select", "required": true, "options": [ "Mostly residential", "Mostly commercial", "Mix of residential and commercial", "Public / government projects", "Not sure" ] }, { "id": "new_vs_remodel", "label": "New construction vs. remodel / service work", "kind": "select", "required": false, "options": [ "Mostly new construction (ground-up)", "Mostly remodel / renovation / service work", "Roughly even mix", "Not sure" ] }, { "id": "typical_project_value", "label": "Typical project value", "kind": "currency", "required": false }, { "id": "largest_project_value", "label": "Largest project value in the next 12 months", "kind": "currency", "required": false }, { "id": "annual_revenue_construction", "label": "Annual revenue (most recent completed year)", "kind": "currency", "required": true }, { "id": "annual_payroll", "label": "Annual payroll (field and office)", "kind": "currency", "required": false }, { "id": "field_employee_count", "label": "Number of field employees", "kind": "number", "required": false }, { "id": "uses_subcontractors", "label": "Do you use subcontractors?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ] }, { "id": "subcontracted_percent", "label": "Approximate percentage of work subcontracted (%)", "kind": "percent", "required": false, "showWhen": { "field": "uses_subcontractors", "equals": "Yes" } }, { "id": "sub_agreements_in_place", "label": "Do you collect certificates of insurance and use written subcontracts with hold-harmless language?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "showWhen": { "field": "uses_subcontractors", "equals": "Yes" } }, { "id": "hazardous_operations", "label": "Do your operations include any of the following? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Roofing work", "Structural work above three stories", "Excavation deeper than 10 feet", "Demolition", "Work involving cranes", "Residential condominiums or tract housing", "None of these apply", "Not sure" ] }, { "id": "owns_equipment_or_vehicles", "label": "Do you own contractor's equipment or business vehicles?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "equipment_vehicle_values", "label": "Approximate total value of owned equipment and vehicles", "kind": "currency", "required": false, "showWhen": { "field": "owns_equipment_or_vehicles", "equals": "Yes" } }, { "id": "bonding_required", "label": "Do any of your projects require surety bonds?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "design_or_pollution_exposure", "label": "Do you provide design services, or perform work with pollution exposure (tanks, remediation, hazardous materials)?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "design_or_pollution_exposure_details" }, { "id": "construction_program_in_force", "label": "Do you currently have a liability / workers' comp program in force?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ] }, { "id": "construction_program_carrier", "label": "Current carrier(s) and expiration date", "kind": "text", "required": false, "showWhen": { "field": "construction_program_in_force", "equals": "Yes" } }, { "id": "construction_losses_past_5_years", "label": "Any claims or losses in the last 5 years (including workers' comp)?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "construction_losses_past_5_years_details" }, { "id": "construction_coverage_interests", "label": "Which coverages should we include in the program? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "General liability", "Workers' compensation", "Commercial auto", "Builder's risk / installation floater", "Inland marine / contractor's equipment", "Umbrella / excess liability", "Contractor's pollution liability", "Contractor's professional liability", "Surety bonds", "Not sure — please advise" ] } ], "description": "Asked on the Construction & Contractor application. Approximate figures are fine — an advisor confirms details before anything goes to carriers.", "profiles": [ "construction" ] }, { "id": "cyber_liability", "title": "Cyber liability", "showForCoverages": { "anyOf": [ "cyber", "tech-eo-with-cyber" ] }, "fields": [ { "id": "cyber_in_force", "label": "Do you currently have a cyber policy in force?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ] }, { "id": "cyber_carrier", "label": "Current carrier and limit", "kind": "text", "required": false, "showWhen": { "field": "cyber_in_force", "equals": "Yes" } }, { "id": "cyber_renewal_date", "label": "Current policy renewal date", "kind": "date", "required": false, "showWhen": { "field": "cyber_in_force", "equals": "Yes" } }, { "id": "sensitive_records_count", "label": "Approximate number of sensitive records held (PII / PHI / payment)", "kind": "number", "required": false, "helper": "Counts of 100,000+ are flagged for advisor review." }, { "id": "annual_cyber_revenue", "label": "Annual revenue from operations covered by this policy", "kind": "currency", "required": false }, { "id": "security_controls", "label": "Which security controls are in place today? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Multi-factor authentication for remote network access", "Multi-factor authentication for email", "Multi-factor authentication for privileged accounts", "Endpoint detection and response (EDR)", "Email filtering and anti-phishing", "Encrypted backups stored offline or immutable", "Documented incident response plan", "Employee security awareness training", "Vulnerability or patch management program", "Vendor risk management program", "Penetration testing in the last 12 months", "None of the above" ] }, { "id": "cyber_incidents", "label": "In the last 3 years, has the company experienced any of the following? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Cyber security incident, breach, or unauthorized access", "Ransomware or extortion event", "Privacy regulation inquiry, complaint, or proceeding", "Class action or demand involving privacy or data security", "Wire transfer fraud or business email compromise loss", "None of the above", "Not sure" ] }, { "id": "cyber_incident_details", "label": "Please describe the incident(s)", "kind": "textarea", "required": false, "showWhen": { "field": "cyber_incidents", "anySelectedExcept": [ "None of the above", "Not sure" ] } }, { "id": "cyber_cancelled_or_nonrenewed", "label": "Has any cyber insurer cancelled or non-renewed coverage in the last 36 months?", "kind": "radio", "required": true, "options": [ "Yes, within the last 36 months", "Yes, within the last 24 months", "No", "Not sure" ], "detailsKey": "cyber_cancelled_or_nonrenewed_details" } ], "description": "Asked when Cyber Liability or Tech E&O with Cyber is selected." }, { "id": "cyber_supplemental", "title": "Cyber supplemental", "showForCoverages": { "anyOf": [ "cyber", "tech-eo-with-cyber" ] }, "fields": [ { "id": "uses_third_party_processors", "label": "Do you rely on third-party payment processors or hosted infrastructure?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "third_party_processors_list", "label": "Which third parties?", "kind": "textarea", "required": false, "showWhen": { "field": "uses_third_party_processors", "equals": "Yes" } }, { "id": "wire_transfer_verification", "label": "Is dual-control wire transfer verification in place?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "phishing_training_frequency", "label": "Phishing / security awareness training frequency", "kind": "select", "required": false, "options": [ "Quarterly", "Annually", "Less than annually", "None" ] }, { "id": "data_retention_policy", "label": "Documented data retention policy?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] } ], "description": "Additional underwriting questions for Cyber and Tech E&O with Cyber." }, { "id": "tech_eo_with_cyber", "title": "Tech E&O with Cyber", "showForCoverages": { "anyOf": [ "tech-eo-with-cyber" ] }, "fields": [ { "id": "tech_services_description", "label": "Describe the technology services or products you sell", "kind": "textarea", "required": true }, { "id": "primary_revenue_source", "label": "What is your primary source of revenue?", "kind": "select", "required": false, "options": [ "SaaS subscription", "Software license", "Professional services / consulting", "Managed services", "Hardware", "Marketplace / platform fees", "Other" ] }, { "id": "uses_ai_ml", "label": "Do your products use AI or machine learning?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "ai_ml_description", "label": "Describe the AI / ML use, including training data sources", "kind": "textarea", "required": false, "showWhen": { "field": "uses_ai_ml", "equals": "Yes" } }, { "id": "open_source_use", "label": "Do products incorporate open-source code?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "ip_dispute_history", "label": "Any IP, trademark, or copyright disputes in the last 5 years?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "ip_dispute_history_details" }, { "id": "tech_eo_in_force", "label": "Do you have a Tech E&O / Professional Liability policy in force today?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "tech_eo_carrier", "label": "Current carrier and limit", "kind": "text", "required": false, "showWhen": { "field": "tech_eo_in_force", "equals": "Yes" } } ], "description": "Asked when Tech E&O with Cyber is selected." }, { "id": "misc_eo", "title": "Miscellaneous E&O", "showForCoverages": { "anyOf": [ "misc-eo" ] }, "fields": [ { "id": "professional_services_description", "label": "Describe the professional services rendered", "kind": "textarea", "required": true }, { "id": "fee_structure", "label": "How are fees structured?", "kind": "text", "required": false }, { "id": "engagement_letters_used", "label": "Are written engagement letters used with all clients?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "subcontractors_used", "label": "Are subcontractors used to deliver services?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "misc_eo_in_force", "label": "Do you have an E&O policy in force today?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "misc_eo_claims_5yr", "label": "Any E&O claims, demands, or known circumstances in the last 5 years?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "misc_eo_claims_5yr_details" } ], "description": "Asked when Miscellaneous E&O is selected." }, { "id": "misc_eo_supplemental", "title": "Miscellaneous E&O supplemental", "showForCoverages": { "anyOf": [ "misc-eo" ] }, "fields": [ { "id": "international_clients_pct", "label": "Approximate % of revenue from international clients", "kind": "percent", "required": false }, { "id": "largest_engagement_value", "label": "Largest single engagement value in the last 12 months", "kind": "currency", "required": false }, { "id": "regulated_industry_clients", "label": "Do you serve clients in regulated industries (healthcare, finance, government)?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] } ] }, { "id": "management_liability", "title": "Management liability", "showForCoverages": { "anyOf": [ "directors-officers", "epli", "fiduciary", "crime", "kidnap-ransom" ] }, "fields": [ { "id": "desired_effective_date", "label": "Desired coverage effective date", "kind": "date", "required": true }, { "id": "desired_expiration_date", "label": "Desired expiration date (if known)", "kind": "date", "required": false }, { "id": "merger_acquisition_history", "label": "Any merger, acquisition, consolidation, or similar transaction in the past 24 months or planned in the next 12?", "kind": "radio", "required": true, "options": [ "Yes, within the past 24 months", "Yes, within the past 18 months", "Yes, within the past 12 months", "Yes, within the next 12 months", "No", "Not sure" ], "detailsKey": "merger_acquisition_history_details" }, { "id": "financial_restructuring_history", "label": "Any financial restructuring, reorganization, bankruptcy filing, or debt-service discussions in the past 24 months or anticipated in the next 12?", "kind": "radio", "required": true, "options": [ "Yes, within the past 24 months", "Yes, within the past 18 months", "Yes, within the past 12 months", "Yes, within the next 12 months", "No", "Not sure" ], "detailsKey": "financial_restructuring_history_details" }, { "id": "claims_investigations_5yr", "label": "In the last 5 years, has the applicant or any subsidiary experienced any of the following? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Notice of claims or potential claims", "Losses or expenses that may fall within the scope of requested coverage", "Formal or informal civil investigation, inquiry, or proceeding", "Formal or informal criminal investigation, inquiry, or proceeding", "Formal or informal administrative investigation, inquiry, or proceeding", "State or federal regulatory agency inquiry or proceeding", "None of the above", "Not sure" ] }, { "id": "claims_investigations_details", "label": "Please briefly describe the matter(s)", "kind": "textarea", "required": false, "showWhen": { "field": "claims_investigations_5yr", "anySelectedExcept": [ "None of the above", "Not sure" ] } }, { "id": "potential_claims_awareness", "label": "Is anyone aware of any fact, circumstance, or situation that may give rise to a claim?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "potential_claims_awareness_details" }, { "id": "prior_cancellation_36mo", "label": "Has any insurer cancelled or refused to renew any D&O, EPLI, fiduciary, crime, K&R, cyber, or similar insurance within the past 36 months?", "kind": "radio", "required": true, "options": [ "Yes, within the last 36 months", "Yes, within the last 24 months", "No", "Not sure" ], "detailsKey": "prior_cancellation_36mo_details" }, { "id": "ebit", "label": "Earnings before interest and taxes (most recent FY)", "kind": "currency", "required": false, "helper": "You may upload financial statements instead if easier." }, { "id": "net_income", "label": "Net income after taxes", "kind": "currency", "required": false }, { "id": "current_liabilities", "label": "Current liabilities", "kind": "currency", "required": false }, { "id": "long_term_debt", "label": "Long-term debt", "kind": "currency", "required": false }, { "id": "total_liabilities", "label": "Total liabilities", "kind": "currency", "required": false }, { "id": "current_assets", "label": "Current assets", "kind": "currency", "required": false }, { "id": "total_assets", "label": "Total assets", "kind": "currency", "required": false }, { "id": "cash_flow_from_operations", "label": "Cash flow from operations", "kind": "currency", "required": false } ], "description": "Asked when D&O, EPLI, Fiduciary, Crime, or Kidnap & Ransom is selected." }, { "id": "private_d_and_o", "title": "Private D&O", "showForCoverages": { "anyOf": [ "directors-officers" ] }, "fields": [ { "id": "do_in_force", "label": "Do you currently have a D&O policy in force?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ] }, { "id": "private_placement_history", "label": "Any private placement or third-party investment in the past 24 months or planned in the next 18?", "kind": "radio", "required": true, "options": [ "Yes, within the past 24 months", "Yes, within the past 18 months", "Yes, within the past 12 months", "Yes, within the next 12 months", "Yes, within the next 18 months", "No", "Not sure" ], "detailsKey": "private_placement_history_details" }, { "id": "publicly_traded_or_planned", "label": "Publicly traded today or anticipating becoming publicly traded?", "kind": "radio", "required": true, "options": [ "Yes, within the past 24 months", "Yes, currently", "Yes, within the next 12 months", "Yes, within the next 18 months", "No", "Not sure" ], "detailsKey": "publicly_traded_or_planned_details" }, { "id": "debt_due_18mo", "label": "Any debt coming due in the next 18 months?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "covenant_breach", "label": "Any breach or violation of debt covenants or material contracts in the past 18 months or expected in the next 12?", "kind": "radio", "required": false, "options": [ "Yes, within the past 18 months", "Yes, within the past 12 months", "Yes, currently", "Yes, within the next 12 months", "No", "Not sure" ], "detailsKey": "covenant_breach_details" }, { "id": "esop_in_place", "label": "Does the organization have an Employee Stock Ownership Plan?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "controlled_by_other_entity", "label": "Does another entity own or control the organization?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "controlled_by_other_entity_details" }, { "id": "directors_officers_ownership_pct", "label": "What % of the organization is owned by directors and/or officers?", "kind": "percent", "required": false }, { "id": "ownership_change_history", "label": "Any change in ownership, asset transfers, or distributions in the past 36 months or expected in the next 12?", "kind": "radio", "required": false, "options": [ "Yes, within the past 36 months", "Yes, within the past 24 months", "Yes, within the past 12 months", "Yes, within the next 12 months", "No", "Not sure" ], "detailsKey": "ownership_change_history_details" }, { "id": "senior_management_change", "label": "Change in senior management or board in the past 12 months or anticipated in the next 12?", "kind": "radio", "required": false, "options": [ "Yes, within the past 12 months", "Yes, within the next 12 months", "No", "Not sure" ], "detailsKey": "senior_management_change_details" }, { "id": "operations_change", "label": "Change in operations in the past 12 months?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "operations_change_details" }, { "id": "government_revenue_pct", "label": "What % of revenue comes from government sources?", "kind": "percent", "required": false } ], "description": "Asked when Directors & Officers coverage is selected." }, { "id": "epli", "title": "Employment Practices Liability", "showForCoverages": { "anyOf": [ "epli" ] }, "fields": [ { "id": "epli_in_force", "label": "Do you currently have an EPLI policy in force?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ] }, { "id": "eeoc_proceeding", "label": "Has the company been involved in an EEOC or similar administrative proceeding?", "kind": "radio", "required": true, "options": [ "Yes, within the last 3 years", "Yes, within the last 5 years", "No", "Not sure" ], "detailsKey": "eeoc_proceeding_details" }, { "id": "ft_employees_excl_union", "label": "Full-time employees, excluding union employees", "kind": "number", "required": true }, { "id": "ft_union_employees", "label": "Union employees, full-time", "kind": "number", "required": false }, { "id": "foreign_employees", "label": "Foreign employees", "kind": "number", "required": false }, { "id": "volunteers", "label": "Volunteers", "kind": "number", "required": false }, { "id": "pt_employees_excl_union", "label": "Part-time employees, excluding union employees", "kind": "number", "required": false }, { "id": "pt_union_employees", "label": "Union employees, part-time", "kind": "number", "required": false }, { "id": "independent_contractors", "label": "Independent contractors", "kind": "number", "required": false }, { "id": "ca_employees", "label": "Does the company have employees in California?", "kind": "radio", "required": true, "options": [ "Yes", "No", "Not sure" ] }, { "id": "high_comp_count", "label": "Number of employees with total compensation over $150,000", "kind": "number", "required": false }, { "id": "employment_application_used", "label": "Does the company have an employment application?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "employee_handbook_distributed", "label": "Does the company have an employee handbook and distribute it to all employees?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "hr_department", "label": "Does the company have an HR department?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "written_policies", "label": "Which written policies, guidelines, procedures, or training does the company have? Select all that apply.", "kind": "checkbox-group", "required": true, "options": [ "Anti-harassment, including sexual harassment", "Anti-discrimination", "Equal employment opportunity", "Employee at-will", "None of the above", "Not sure" ] }, { "id": "layoff_history", "label": "Any downsizing, layoffs, RIF, or office closing in the past 18 months or anticipated in the next 12?", "kind": "radio", "required": true, "options": [ "Yes, in the past 18 months", "Yes, in the past 12 months", "Yes, in the next 12 months", "No", "Not sure" ], "detailsKey": "layoff_history_details" } ], "description": "Asked when EPLI is selected." }, { "id": "management_liability_supplemental", "title": "Management liability supplemental", "showForCoverages": { "anyOf": [ "directors-officers", "epli", "fiduciary", "crime", "kidnap-ransom" ] }, "fields": [ { "id": "executive_hires_from_competitor", "label": "Hired (or expecting to hire) more than one individual from a single competitor in the past or next year, outside of M&A?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "executive_hires_from_competitor_details" }, { "id": "total_capital_raised", "label": "Total capital raised to date", "kind": "currency", "required": false }, { "id": "family_shareholder_pct", "label": "% of shares held by shareholders related by family to a director/officer (but not themselves D/O)", "kind": "percent", "required": false }, { "id": "do_shareholder_pct", "label": "% of shares held by directors, officers, or entities with direct board representation", "kind": "percent", "required": false }, { "id": "shareholder_count", "label": "How many individuals or entities own shares in the company?", "kind": "number", "required": false }, { "id": "non_do_20pct_owner", "label": "Any individual/entity with more than 20% ownership who is not a director or officer?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "non_do_20pct_owner_details" }, { "id": "executive_terminations", "label": "Any terminations of executive officers in the past 12 months or anticipated in the next 12?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "executive_terminations_details" }, { "id": "nonprofit_to_forprofit_conversion", "label": "Converted (or planning to convert) from not-for-profit to for-profit?", "kind": "radio", "required": false, "options": [ "Yes, in the past 18 months", "Yes, in the next 12 months", "No", "Not sure" ], "detailsKey": "nonprofit_to_forprofit_conversion_details" }, { "id": "total_locations", "label": "Total locations", "kind": "number", "required": false }, { "id": "top_states_by_employees", "label": "Top three states by employee count", "kind": "text", "required": false, "columns": [ { "id": "state", "label": "State" }, { "id": "employee_count", "label": "Employee count" } ] }, { "id": "employed_lawyers_count", "label": "How many employed lawyers does the company have?", "kind": "number", "required": false }, { "id": "market_share_over_20pct", "label": "Does the company control more than 20% market share in any geography?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "non_board_10pct_shareholders", "label": "Any shareholders without board representation who own 10% or more of the company?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "flsa_classification_review", "label": "Has the company reviewed FLSA exempt/non-exempt classifications in the last 12 months?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "earnout_obligation_500k", "label": "Any earn-out or contingent payment obligation in the next 24 months exceeding $500,000?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "earnout_obligation_500k_details" }, { "id": "litigation_history_3yr", "label": "Litigation, arbitration, administrative or criminal proceedings against any insured person in the last 3 years?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "litigation_history_3yr_details" }, { "id": "commercial_crime_losses_3yr", "label": "Any commercial crime losses in the last 3 years?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "commercial_crime_losses_3yr_details" }, { "id": "financial_flags", "label": "Regarding the company's financials, select all that apply", "kind": "checkbox-group", "required": false, "options": [ "Long-term liabilities exceed 75% of total assets", "More than 50% of total long-term liabilities will mature within the next 18 months", "In any year within the last five years, the company derived more than 10% of revenue or funding from federal, state, local, foreign, or quasi-governmental sources", "None of these apply", "Not sure" ] }, { "id": "ownership_flags", "label": "Select all that apply (ownership / bankruptcy)", "kind": "checkbox-group", "required": false, "options": [ "Any person or entity who owns or controls 50% or more of the outstanding securities anticipates filing in the next 12 months for personal or corporate bankruptcy", "Any person or entity who owns or controls 50% or more of the outstanding securities has filed within the last 24 months for personal or corporate bankruptcy", "More than 10% of the outstanding securities, voting rights, or controlling interests are directly or indirectly owned by a person or entity not under the control of a current or former director or officer", "None of these apply", "Not sure" ] }, { "id": "operations_flags", "label": "Does the company directly or indirectly do any of the following? Select all that apply.", "kind": "checkbox-group", "required": false, "options": [ "Render services for others for a fee or other consideration", "Act as a general partner, manager, or managing member in any partnership or LLC", "Have any insurance operations", "Perform, engage in, facilitate, or promote downloading, sharing, or streaming copyrighted media content", "Use automatic telephone dialing, unsolicited mobile phone texting, multiple-recipient email transmission, or a similar communication system in advertising, marketing, or sales", "None of these apply", "Not sure" ] }, { "id": "manufactures_or_sells_goods", "label": "Does the company manufacture, produce, package, sell, market, or distribute goods or products?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ] }, { "id": "officer_turnover_25pct", "label": "Have more than 25% of officers or management voluntarily left or been terminated in the last 18 months?", "kind": "radio", "required": false, "options": [ "Yes", "No", "Not sure" ], "detailsKey": "officer_turnover_25pct_details" } ], "description": "Additional underwriting questions. Skip any that aren't applicable." } ], "acknowledgementText": "I confirm that the information submitted is accurate to the best of my knowledge and understand that submitting this form does not bind coverage or guarantee carrier approval.", "afterSubmission": "The authorized representative (and the follow-up inbox, when different) receives an acknowledgement email with the reference. There is no link to click. A broker reads the application and follows up by email; the representative replies to that email to answer questions or to withdraw an application the business did not authorize.", "responseGoal": "Response goal: first substantive reply by email in one business day or less.", "responseGoalQualifier": "This is the goal for the first substantive response from OnePark, measured from the original submission. It is not a guarantee that quotes, underwriting, or binding will be completed within one business day.", "statement": "Filing an application does not bind coverage and does not guarantee carrier approval or a quote. A OnePark broker reads the application and follows up by email with questions, options, or the next step.", "disclosure": "Submitting a request does not purchase or bind insurance. Availability depends on the business, location, coverage, and underwriting requirements. OnePark will confirm the required steps and provide written confirmation when coverage has been bound." } ] }