Calculate state taxes and fees
curl --request POST \
--url https://api.coverwhale.dev/v1/submission/tax-calculations \
--header 'AccessToken: <api-key>' \
--header 'Content-Type: application/json' \
--data '
{
"state": "CA",
"effective_date": "2026-07-30",
"quote_created_at": "2026-07-30T12:00:00Z",
"coverage_type": "AL",
"premium": "1000.00",
"policy_fee": "100.00",
"underwriting_fee": "50.00"
}
'import requests
url = "https://api.coverwhale.dev/v1/submission/tax-calculations"
payload = {
"state": "CA",
"effective_date": "2026-07-30",
"quote_created_at": "2026-07-30T12:00:00Z",
"coverage_type": "AL",
"premium": "1000.00",
"policy_fee": "100.00",
"underwriting_fee": "50.00"
}
headers = {
"AccessToken": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {AccessToken: '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
state: 'CA',
effective_date: '2026-07-30',
quote_created_at: '2026-07-30T12:00:00Z',
coverage_type: 'AL',
premium: '1000.00',
policy_fee: '100.00',
underwriting_fee: '50.00'
})
};
fetch('https://api.coverwhale.dev/v1/submission/tax-calculations', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.coverwhale.dev/v1/submission/tax-calculations",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'state' => 'CA',
'effective_date' => '2026-07-30',
'quote_created_at' => '2026-07-30T12:00:00Z',
'coverage_type' => 'AL',
'premium' => '1000.00',
'policy_fee' => '100.00',
'underwriting_fee' => '50.00'
]),
CURLOPT_HTTPHEADER => [
"AccessToken: <api-key>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.coverwhale.dev/v1/submission/tax-calculations"
payload := strings.NewReader("{\n \"state\": \"CA\",\n \"effective_date\": \"2026-07-30\",\n \"quote_created_at\": \"2026-07-30T12:00:00Z\",\n \"coverage_type\": \"AL\",\n \"premium\": \"1000.00\",\n \"policy_fee\": \"100.00\",\n \"underwriting_fee\": \"50.00\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("AccessToken", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.coverwhale.dev/v1/submission/tax-calculations")
.header("AccessToken", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"state\": \"CA\",\n \"effective_date\": \"2026-07-30\",\n \"quote_created_at\": \"2026-07-30T12:00:00Z\",\n \"coverage_type\": \"AL\",\n \"premium\": \"1000.00\",\n \"policy_fee\": \"100.00\",\n \"underwriting_fee\": \"50.00\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.coverwhale.dev/v1/submission/tax-calculations")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["AccessToken"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"state\": \"CA\",\n \"effective_date\": \"2026-07-30\",\n \"quote_created_at\": \"2026-07-30T12:00:00Z\",\n \"coverage_type\": \"AL\",\n \"premium\": \"1000.00\",\n \"policy_fee\": \"100.00\",\n \"underwriting_fee\": \"50.00\"\n}"
response = http.request(request)
puts response.read_body{
"data": {
"state": "CA",
"effective_date": "2023-12-25",
"quote_created_at": "2023-11-07T05:31:56Z",
"coverage_type": "AL",
"inputs": {},
"calculations": [
{
"code": "surplus_lines_tax",
"label": "Surplus lines tax",
"calculation_type": "percentage",
"rate": "0.03",
"flat_amount": "<string>",
"taxable_base": "1150.00",
"amount": "34.50"
}
],
"total": "36.57"
},
"meta": {
"currency": "USD",
"assumptions": [
"<string>"
]
}
}Submission Data
Calculate state taxes and fees
Stateless new-business, non-admitted calculation using the same state rules as Cover Whale quoting.
POST
/
submission
/
tax-calculations
Calculate state taxes and fees
curl --request POST \
--url https://api.coverwhale.dev/v1/submission/tax-calculations \
--header 'AccessToken: <api-key>' \
--header 'Content-Type: application/json' \
--data '
{
"state": "CA",
"effective_date": "2026-07-30",
"quote_created_at": "2026-07-30T12:00:00Z",
"coverage_type": "AL",
"premium": "1000.00",
"policy_fee": "100.00",
"underwriting_fee": "50.00"
}
'import requests
url = "https://api.coverwhale.dev/v1/submission/tax-calculations"
payload = {
"state": "CA",
"effective_date": "2026-07-30",
"quote_created_at": "2026-07-30T12:00:00Z",
"coverage_type": "AL",
"premium": "1000.00",
"policy_fee": "100.00",
"underwriting_fee": "50.00"
}
headers = {
"AccessToken": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {AccessToken: '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
state: 'CA',
effective_date: '2026-07-30',
quote_created_at: '2026-07-30T12:00:00Z',
coverage_type: 'AL',
premium: '1000.00',
policy_fee: '100.00',
underwriting_fee: '50.00'
})
};
fetch('https://api.coverwhale.dev/v1/submission/tax-calculations', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.coverwhale.dev/v1/submission/tax-calculations",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'state' => 'CA',
'effective_date' => '2026-07-30',
'quote_created_at' => '2026-07-30T12:00:00Z',
'coverage_type' => 'AL',
'premium' => '1000.00',
'policy_fee' => '100.00',
'underwriting_fee' => '50.00'
]),
CURLOPT_HTTPHEADER => [
"AccessToken: <api-key>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.coverwhale.dev/v1/submission/tax-calculations"
payload := strings.NewReader("{\n \"state\": \"CA\",\n \"effective_date\": \"2026-07-30\",\n \"quote_created_at\": \"2026-07-30T12:00:00Z\",\n \"coverage_type\": \"AL\",\n \"premium\": \"1000.00\",\n \"policy_fee\": \"100.00\",\n \"underwriting_fee\": \"50.00\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("AccessToken", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.coverwhale.dev/v1/submission/tax-calculations")
.header("AccessToken", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"state\": \"CA\",\n \"effective_date\": \"2026-07-30\",\n \"quote_created_at\": \"2026-07-30T12:00:00Z\",\n \"coverage_type\": \"AL\",\n \"premium\": \"1000.00\",\n \"policy_fee\": \"100.00\",\n \"underwriting_fee\": \"50.00\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.coverwhale.dev/v1/submission/tax-calculations")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["AccessToken"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"state\": \"CA\",\n \"effective_date\": \"2026-07-30\",\n \"quote_created_at\": \"2026-07-30T12:00:00Z\",\n \"coverage_type\": \"AL\",\n \"premium\": \"1000.00\",\n \"policy_fee\": \"100.00\",\n \"underwriting_fee\": \"50.00\"\n}"
response = http.request(request)
puts response.read_body{
"data": {
"state": "CA",
"effective_date": "2023-12-25",
"quote_created_at": "2023-11-07T05:31:56Z",
"coverage_type": "AL",
"inputs": {},
"calculations": [
{
"code": "surplus_lines_tax",
"label": "Surplus lines tax",
"calculation_type": "percentage",
"rate": "0.03",
"flat_amount": "<string>",
"taxable_base": "1150.00",
"amount": "34.50"
}
],
"total": "36.57"
},
"meta": {
"currency": "USD",
"assumptions": [
"<string>"
]
}
}Authorizations
JWT returned as AccessToken by the /authentication endpoint (the Cognito ID token carrying the email claim). It expires after 3600 seconds.
Headers
JWT returned by Cover Whale authentication as AccessToken (the Cognito ID token)
Body
application/json
Example:
"CA"
Example:
"2026-07-30"
RFC 3339 quote-creation cohort timestamp used by Cover Whale SLAS eligibility; accepts an explicit offset or Z and optional fractional seconds
Example:
"2026-07-30T12:00:00Z"
Available options:
AL, APD, MTC, TGL, NTL Example:
"AL"
Pattern:
^\d+(\.\d{1,2})?$Example:
"1000.00"
Pattern:
^\d+(\.\d{1,2})?$Example:
"100.00"
Pattern:
^\d+(\.\d{1,2})?$Example:
"50.00"