---
title: "Which Hedge Instant Quote markets will quote this risk"
method: POST
path: "/broker/appetite/instant"
tags: ["Appetite"]
---

# Which Hedge Instant Quote markets will quote this risk

`POST /broker/appetite/instant`

## Request

- Base URL: `https://api.hedgespecialty.com/api/v1`
- URL: `https://api.hedgespecialty.com/api/v1/broker/appetite/instant`
- Auth: OAuth 2
  - Authorization code: `https://api.hedgespecialty.com/api/v1/oauth/authorize`
  - Client credentials
  - Token URL: `https://api.hedgespecialty.com/api/v1/oauth/token`

The broker portal wizard's own read ("Markets that fit"): the Hedge
Instant Quote programs that will prepare and quote these lines for
this state and class. API files reach these markets only; binding and
specialty markets are reached by email (`email_us`). Read scope.

`class` is the class Hedge would use for carriers that pick theirs
from a list Hedge ranks (Coterie, LIO, Blitz), given `naics` and
`description`. After create Hedge suggests it on the file and you
confirm it.

## Request body

- object
  - `state` string, required: Two-letter risk state.
  - `lines` string[], required: Lines of coverage (canonical slugs or common aliases).
  - `naics` string: Six-digit NAICS. Strongly recommended: markets that class by NAICS need it.
  - `description` string: What the business does.

## Response `200`

The instant markets, or where to email when none fits

- object
  - `instant_available` boolean, required
  - `instant_markets` InstantMarket[], required
    - `program_id` string, uuid, required
    - `program` string, required: The program's name.
    - `market_id` string, uuid, required
    - `market` string, required: The market (carrier) name.
    - `lines` string[], required: The requested lines this program writes.
    - `asks_class` boolean, required: The carrier's application asks for a class: Hedge suggests one after create and you confirm it.
    - `class` object, nullable: The class Hedge would use for this carrier (its ranking of the carrier's class list) when `naics` and `description` are given; null for carriers that ask the class as a question.
      - `suggested` object, nullable
        - `value` unknown
        - `label` string
      - `alternatives` object[]
        - `value` unknown
        - `label` string
  - `email_us` EmailUs: Where to email a risk no Hedge Instant Quote market writes, and what to attach. Binding and specialty markets are reached by email, never over the API.
    - `address` string, required: Hedge's submissions inbox.
    - `what_to_include` string[], required: The ACORD set for the lines, the Hedge supplementals that apply, and the facts to state.

## Other responses

- `422`: Invalid body, or `{code: unknown_lines}`

## Changes

- **2026-10-30** `2c547f24a42f`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/hedgespecialty/apis/hedge-submission-api/changes/broker/appetite/instant/post.md)

---

[API](https://skmtc.dev/hedgespecialty/apis/hedge-submission-api.md) - [All operations](https://skmtc.dev/hedgespecialty/apis/hedge-submission-api/llms.txt) - [OpenAPI document](https://skmtc.dev/hedgespecialty/apis/hedge-submission-api/revisions/beefa9cdc11c?raw)