Clearcover API
Clearcover is a digital-first auto insurance carrier built around AI-driven claims and a partner-centric embedded distribution model. Its public APIs (SmartLink, Lead, Quote, and Flow) are gated behind partner agreements and scoped to quoting and binding—leaving an operator's own policy, claim, billing, and lead data trapped behind the agent portal and mobile app. An unofficial API lets you programmatically pull quotes, policies, claims, billing, and lead records—and push new applications, binds, and claim notices back into Clearcover.
What is Clearcover?
Clearcover is a digital-first auto insurance carrier that pairs consumer auto policies with AI-driven claims technology—paying eligible claims in as little as 7 minutes—and a partner-centric embedded distribution model. Customers buy and manage coverage through Clearcover's mobile app, while partners and agents distribute policies through embedded quote-and-bind APIs and co-branded experiences. Clearcover underwrites through multiple entities depending on state (Clearcover Insurance Company, Old American County Mutual Fire Insurance Company in Texas, and Response Indemnity Company of California in California).
Core product and distribution surfaces include:
- Consumer auto insurance (liability, comprehensive/collision, UM/UIM, medical payments, PIP, roadside)
- AI claims platform with photo-based FNOL and rapid payout in the mobile app
- Embedded insurance APIs: SmartLink (URL data pass), Lead API, Quote API, and Flow API
- Choice—an "insurance-in-a-box" embedded solution for non-insurance brands at ecommerce checkout
- Agent partnerships, Agent Portal, and Agent Hub for distribution partners
- Bind-API integrations with agency platforms (e.g., the Goosehead Insurance quote-and-bind integration)
Common data entities:
- Quotes, Rating Inputs, Coverages, Premiums
- Policies, Endorsements, Renewals, Cancellations
- Leads, Applicants, Drivers, Vehicles
- Claims, FNOL, Photos/Evidence, Payouts
- Billing Accounts, Invoices, Payments
- Partners, Agents, Conversion & Performance Analytics
The Clearcover Integration Challenge
Clearcover is API-forward by insurtech standards, but its programmatic surface is built for outbound distribution—not for an operator who needs full read/write access to their own book of business:
- Partner-gated access: SmartLink, Lead, Quote, Flow, and Choice are released under partner-centric agreements—you need an approved partnership before any API credentials are issued
- Distribution-only scope: The public APIs cover quoting and binding; policy servicing, claims, billing, and analytics largely live behind the Agent Portal and consumer mobile app
- Mobile-first claims data: FNOL, photo evidence, and rapid AI payouts originate in the mobile app, so claim status and history are difficult to reach headlessly
- Multi-entity underwriting: Coverages, forms, and policy data differ by underwriting entity and state, so a single generic mapping breaks across jurisdictions
- Portal-bound performance data: Conversion metrics and performance analytics are surfaced in partner dashboards rather than exposed as a stable reporting API
- Authentication and session friction: Agent Portal logins and app sessions complicate unattended, headless automation across the full policy lifecycle
How Supergood Creates Clearcover APIs
Supergood reverse-engineers Clearcover's authenticated Agent Portal flows, embedded quote/bind APIs, and app surfaces to deliver one resilient API layer over your own Clearcover book—covering quoting, binding, policies, claims, and billing rather than distribution alone.
- Handles Agent Portal credentials and MFA (SMS, email, TOTP) securely in a managed session
- Maintains session continuity with automated refresh and change detection across portal and app surfaces
- Normalizes responses across quotes, leads, policies, claims, and billing so you integrate once across underwriting entities and states
- Aligns with state-specific coverages, forms, and entitlements to keep access compliant
Use Clearcover with AI agents: Clearcover MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your Agent Portal access, underwriting entities, states, and authentication model.
- Supergood Generates and Validates Your API
We deliver a hardened, production-ready Clearcover adapter tailored to your partner configuration and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Clearcover's APIs and portal evolve.
API Endpoints
Authentication
/authenticateAuthenticate to a Clearcover Agent Portal account using credentials or MFA and obtain a session token for downstream calls.
Quoting
/create_quoteSubmit driver, vehicle, and coverage inputs to generate a Clearcover auto insurance quote across the applicable underwriting entity and state.
Quoting
/quotesList and retrieve saved quotes with rating inputs, coverages, and premiums, filtered by status and date range.
Policies
/policiesRetrieve bound policies with coverages, endorsements, renewal, and cancellation status across states and entities.
Claims
/claimsPull claims, FNOL records, evidence references, and payout activity with status and assignment filters.
Claims
/file_claimFile a First Notice of Loss against an existing policy with loss details, parties, and supporting photos.
Billing
/billingPull billing accounts, invoices, and payment activity associated with a policyholder.
Use Cases
Embed quote-and-bind in your partner experience
- Submit driver and vehicle data to generate Clearcover quotes inline - Present premiums and coverage options in your own checkout or agent flow - Bind policies and write back confirmation without portal clicks
Sync policies and claims into your warehouse
- Pull bound policies, endorsements, and renewal status into a single warehouse - Stream claim, FNOL, and payout events to BI, fraud, and CX tools - Reconcile policyholder, driver, and vehicle records across underwriting entities
Automate lead routing and conversion reporting
- Push leads and applicant data into Clearcover and pull quote outcomes back - Route declines, referrals, and bound policies to downstream CRM - Surface conversion and performance metrics into your own reporting
Reconcile billing across the policy lifecycle
- Sync invoices and payments into general ledger and AR systems - Match premiums against bound coverages and endorsements - Surface delinquent accounts and cancellation-pending events to retention workflows
Technical Specifications
Authentication
Agent Portal credentials and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated portal and app flows plus Clearcover's embedded SmartLink, Lead, Quote, and Flow APIs where exposed by your partnership
Response format
Normalized JSON across quote, lead, policy, claim, and billing objects
Rate limits
Adaptive throttling tuned to your account to avoid carrier-side and portal limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for quotes, policies, and claims with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for quote completion, policy bind, endorsement, FNOL, and claim status changes
Latency
Sub-second reads on cached entities; multi-second writes when posting through quote, bind, and claim workflows
Throughput
Horizontally scaled workers sized to multi-state, multi-entity quote and policy volume
Reliability
Retry, backoff, and idempotency keys for binds, endorsements, and claim transactions
Adaptation
Continuous monitoring of Clearcover API, Agent Portal, and underwriting-entity configuration changes
Frequently asked questions
No. Supergood works with your existing Agent Portal access and authenticated sessions. A partner-centric API agreement is only needed if you specifically want to consume Clearcover's official embedded SmartLink, Lead, Quote, or Flow endpoints directly.
Yes. Clearcover's public APIs are distribution-focused, but Supergood normalizes policy servicing, claims, billing, and analytics surfaces from the Agent Portal and app so you can read and write across the full policy lifecycle, not just quote-and-bind.
Each account is profiled against its applicable underwriting entities (including the Texas and California carriers) and state-specific coverages and forms. Supergood preserves entity- and state-specific fields rather than forcing a single generic schema.
Yes. Claims, FNOL records, photo evidence references, and payout status that originate in the consumer mobile app are exposed through the same normalized API surface alongside policy and billing data.
If you distribute through Choice or a co-branded embedded experience, Supergood complements it by giving you programmatic read/write access to the resulting quotes, leads, policies, and claims in your own systems.