Malcolm

Quickstart

Get your first insurance quote from Malcolm in under five minutes.

Prerequisites

  • A Malcolm API key (sign up at trymalcolm.com)
  • curl or any HTTP client

1. Set your API key

export MALCOM_API_KEY="mk_live_..."

2. Request a quote

curl -X POST https://api.trymalcolm.com/v1/quotes \
  -H "Authorization: Bearer $MALCOM_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "line_of_business": "general_liability",
    "risk": {
      "business_type": "restaurant",
      "annual_revenue": 500000,
      "employee_count": 12,
      "state": "CA"
    },
    "coverage": {
      "per_occurrence_limit": 1000000,
      "aggregate_limit": 2000000,
      "deductible": 1000
    }
  }'

3. Review the response

{
  "id": "qt_abc123",
  "status": "quoted",
  "carriers": [
    {
      "carrier": "Acme Insurance",
      "premium_annual": 2847,
      "premium_monthly": 245,
      "bindable": true,
      "quote_expires_at": "2025-02-15T00:00:00Z"
    }
  ]
}

The response includes quotes from every insurer that matched your risk profile. Each quote includes pricing, coverage details, and whether it can be bound immediately.

4. Bind a policy

curl -X POST https://api.trymalcolm.com/v1/quotes/qt_abc123/bind \
  -H "Authorization: Bearer $MALCOM_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "carrier": "Acme Insurance",
    "effective_date": "2025-02-01"
  }'

Binding creates a real insurance policy. Use the mk_test_... key prefix for sandbox testing.

Next steps