Guidewire API
Guidewire is the core systems platform for property and casualty insurers, centralizing policy administration, billing, and claims through InsuranceSuite (PolicyCenter, ClaimCenter, BillingCenter) and InsuranceNow. An unofficial API lets you programmatically pull policies, submissions, claims, billing accounts, payments, contacts, and underwriting data—and push updates like first notice of loss (FNOL), policy changes, billing adjustments, and claim notes back into Guidewire.
What is Guidewire?
Guidewire is the property and casualty (P&C) insurance core systems platform used by 570+ insurers in 40 countries to run policy administration, billing, and claims. Its flagship offering, InsuranceSuite, bundles PolicyCenter, ClaimCenter, BillingCenter, PricingCenter, and UnderwritingCenter as a set of core applications available individually or together. InsuranceNow provides an all-in-one cloud option for carriers that want a single integrated stack, while the Guidewire Marketplace and PartnerConnect program ecosystem extend the platform through 175+ partner applications and tens of thousands of trained implementation consultants.
Core product areas include:
- PolicyCenter (Submissions, Quotes, Policies, Endorsements, Renewals, Cancellations)
- ClaimCenter (Claims, FNOL, Exposures, Coverages, Reserves, Payments, Notes)
- BillingCenter (Billing Accounts, Invoices, Charges, Disbursements, Commissions)
- PricingCenter & UnderwritingCenter (Rating, Risk Assessment, Underwriting Workflows)
- InsuranceNow (All-in-one cloud platform for policy, billing, and claims)
- Guidewire Cloud, Data Platform, and Jutro Digital Platform (hosting, analytics, and digital experience)
Common data entities:
- Policies (terms, periods, coverages, endorsements, premiums)
- Submissions & Quotes (lines of business, risks, rated premium, status)
- Claims (loss details, exposures, reserves, payments, recoveries, notes)
- Contacts (insureds, claimants, agents, vendors, payees)
- Billing Accounts, Invoices, Charges, and Disbursements
- Products & Risk Definitions (lines, coverages, rate tables, forms)
- Documents & Attachments (policy forms, loss reports, correspondence)
The Guidewire Integration Challenge
P&C carriers depend on Guidewire to run the business, but turning portal- and Cloud API-based workflows into reliable API automation is non-trivial:
- Cloud API access gates: Guidewire Cloud API is reserved for partners and customers; access is mediated through PartnerConnect and Marketplace certification rather than open self-serve credentials
- Carrier-specific customization: Product Designer, Gosu rules, and PCF screens vary by carrier; submissions, claims, and billing flows differ across InsuranceSuite implementations
- Data integration handler complexity: Inbound and outbound integrations rely on plugin handlers, message destinations, and event-driven hooks that need careful authoring per carrier
- Cross-app coordination: Submission-to-policy-to-billing-to-claim flows span PolicyCenter, BillingCenter, and ClaimCenter, each with its own data model and lifecycle states
- Authentication complexity: SSO (SAML/OIDC) into the carrier IdP, MFA, and Cloud API client credentials all govern headless access
- On-prem vs. Guidewire Cloud variability: Older self-hosted InsuranceSuite installs use SOAP plugins and proprietary integration patterns, while newer Cloud tenants expose REST-based Cloud APIs with different shapes
- Document and forms handling: Policy declarations, loss documents, and correspondence require careful attachment, redaction, and audit handling
How Supergood Creates Guidewire APIs
Supergood reverse-engineers authenticated browser flows, Cloud API interactions, and integration handler patterns to deliver a resilient API endpoint layer for your Guidewire environment—whether you run InsuranceSuite on Guidewire Cloud, self-hosted, or InsuranceNow.
- Handles username/password, SSO/OIDC, and MFA (SMS, email, TOTP) plus Cloud API client credentials securely
- Maintains session continuity with automated refresh and change detection across PolicyCenter, ClaimCenter, and BillingCenter
- Normalizes responses across InsuranceSuite apps so you can integrate once and rely on consistent policy, claim, and billing objects
- Adapts to carrier-specific Product Designer configurations, custom fields, and Gosu rule outputs
- Aligns with role-based entitlements (underwriter, adjuster, billing analyst) to ensure compliant access
Use Guidewire with AI agents: Guidewire MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your Guidewire deployment (InsuranceSuite vs. InsuranceNow, Cloud vs. self-hosted), licensed modules, and authentication model.
- Supergood Builds and Validates Your API
We deliver a hardened Guidewire adapter tailored to your carrier configuration, integration handlers, and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Guidewire releases evolve.
API Endpoints
/authenticateEstablish an authenticated session using carrier SSO, MFA, or Cloud API client credentials.
/policiesList policies from PolicyCenter with terms, periods, coverages, endorsements, and premiums.
/create_policyCreate submissions and bind policies in PolicyCenter, including risks, coverages, and rated premium.
/claimsRetrieve claims from ClaimCenter with exposures, reserves, payments, recoveries, and notes.
/file_claimFile First Notice of Loss into ClaimCenter and create associated exposures and initial reserves.
/billingPull billing accounts, invoices, charges, disbursements, and commissions from BillingCenter.
Use Cases
Cross-Center Policy and Claim Sync
Keep PolicyCenter, ClaimCenter, and BillingCenter aligned by syncing policies, claims, and billing accounts in real time across InsuranceSuite apps without brittle plugin handlers.
Automated First Notice of Loss Intake
Programmatically file FNOL into ClaimCenter from agent portals, IoT telematics, or third-party intake forms, then create exposures, reserves, and notes in a single API flow.
Billing Reconciliation and Disbursements
Pull invoices, charges, payments, and commissions from BillingCenter to reconcile carrier ledgers, automate disbursements, and reduce billing exceptions across distribution partners.
Marketplace Partner App Integration
Connect PartnerConnect-certified apps and internal tooling into InsuranceSuite via a unified API, even when Guidewire Cloud API access is gated by partner approval.
Technical Specifications
Authentication
OAuth 2.0 client credentials for Guidewire Cloud API plus SAML/OIDC SSO into the carrier IdP, with MFA (SMS, email, TOTP) supported for portal-based access.
Connectivity
JSON REST Cloud API for InsuranceSuite on Guidewire Cloud and InsuranceNow; SOAP/XML plugin and message-destination integrations for self-hosted deployments. Cloud API access is partner-gated via PartnerConnect and Marketplace certification.
Response format
JSON for Cloud API (PolicyCenter, ClaimCenter, BillingCenter, PricingCenter, UnderwritingCenter); SOAP/XML for legacy plugin integrations on self-hosted InsuranceSuite.
Rate limits
Per-tenant throttling enforced by Guidewire Cloud; carrier-specific limits apply on self-hosted deployments based on app server capacity and integration handler concurrency.
Session management
Cloud API access tokens via OAuth 2.0 client credentials with automated refresh; SSO sessions into PolicyCenter, ClaimCenter, and BillingCenter maintained with continuity across InsuranceSuite apps.
Data freshness
Real-time reads against PolicyCenter, ClaimCenter, and BillingCenter; event-driven push updates via integration handlers and message destinations as policies, claims, and billing accounts change.
Security
SOC 2 compliant Guidewire Cloud, role-based entitlements (underwriter, adjuster, billing analyst), carrier-specific audit controls, and document handling for policy declarations and loss correspondence.
Webhooks
Event messaging via Guidewire integration handlers, message destinations, and event-driven hooks; outbound notifications for policy lifecycle, claim status, and billing events configurable per carrier.
Latency
Sub-second reads on Guidewire Cloud for policy, claim, and billing lookups; submission binding, FNOL creation, and rated premium calculations may take longer due to Gosu rule evaluation and Product Designer logic.
Throughput
Bulk submission, claim, and billing operations supported via Cloud API and batch integration handlers; throughput scales with carrier tenant sizing and concurrency configured in PolicyCenter, ClaimCenter, and BillingCenter.
Reliability
Carrier-provisioned non-prod tenants for testing; Supergood adds automated session refresh, retry on transient failures, and change detection across InsuranceSuite apps to insulate integrations from carrier release cycles.
Adaptation
Adapts to carrier-specific Product Designer configurations, custom fields, Gosu rule outputs, and PCF screen variations; normalizes responses across PolicyCenter, ClaimCenter, and BillingCenter to a stable schema regardless of on-prem vs. Cloud delivery.
Frequently asked questions
Guidewire Cloud API access is reserved for carriers and PartnerConnect-approved partners. Most third-party integrators reach Guidewire data through the carrier's own credentials or a Marketplace-listed partner app. Supergood works within either model to deliver an API layer.
PartnerConnect certification is required to publish in the Guidewire Marketplace and to consume Cloud API directly as a vendor. Carrier-led integrations using a carrier's own access do not require partner approval, which is how most internal tooling and agent portals connect.
Every InsuranceSuite implementation diverges via Product Designer, Gosu rules, and PCF screen edits. Supergood profiles your tenant, maps custom fields and lifecycle states, and delivers a per-carrier adapter that normalizes policy, claim, and billing objects to a stable schema.
Yes. We support InsuranceSuite (PolicyCenter, ClaimCenter, BillingCenter, PricingCenter, UnderwritingCenter) on Guidewire Cloud or self-hosted, as well as the all-in-one InsuranceNow platform, with adapters tuned to each deployment model.
Self-hosted InsuranceSuite often relies on SOAP plugins and legacy integration patterns, while Guidewire Cloud exposes REST-based Cloud APIs. Supergood handles both transports under one API surface so your integration code does not change as carriers migrate to Cloud.