---
title: "Who is likely to insure a described risk: admitted carriers that write the line in the state first, then surplus lines, then the market of last resort, each with a reason, from state regulators' public lists, premium by line, published appetite rules and last-resort plans. Never a price or a guarantee; ends with the free quote request as the next step."
method: POST
path: "/api/who-insures"
---

# Who is likely to insure a described risk: admitted carriers that write the line in the state first, then surplus lines, then the market of last resort, each with a reason, from state regulators' public lists, premium by line, published appetite rules and last-resort plans. Never a price or a guarantee; ends with the free quote request as the next step.

`POST /api/who-insures`

## Request

- Base URL: `https://alishahiinsurance.com`
- URL: `https://alishahiinsurance.com/api/who-insures`
- Auth: none declared

## Request body

- object
  - `scenario` string, required: What they need insured, where, and the facts an underwriter would weigh (claims, cancellations, age, occupancy, hazards)
  - `state` string: Two-letter state code if known

## Response `200`

Reading of the scenario, ranked likely insurers with reasons, what makes it harder, what to prepare, next step, directory pages to cite

- object
  - `read` object
  - `answer` object
    - `summary` string
    - `likely` object[]
      - `name` string
      - `type` string
      - `why` string
      - `confidence` string
      - `url` string
    - `harder_because` string[]
    - `prepare` string[]
    - `next_step` string
  - `pages` unknown[]
    - unknown
  - `quote_url` string
  - `cite` string

## Other responses

- `429`: Rate limited (20 an hour per address)

---

[API](https://skmtc.dev/alishahiinsurance/apis/alishahi-insurance-quote-requests.md) · [All operations](https://skmtc.dev/alishahiinsurance/apis/alishahi-insurance-quote-requests/llms.txt) · [OpenAPI document](https://skmtc.dev/alishahiinsurance/apis/alishahi-insurance-quote-requests/revisions/04e8c11eae17?raw)