Policy-backed quote
Monthly premium, claim limit, aggregate limit, and third-party EPLI limit are read from the bound country policy before a quote is shown.
AoR coverage add-on
Misclassification coverage, attached only when policy evidence is ready
Gruv's AoR misclassification coverage is modeled as an opt-in add-on per engagement. The platform quotes the add-on only from an active country policy that includes third-party EPLI endorsement and Gruv-controlled indemnification terms.
Opt-in per engagement
Coverage attaches to a specific AoR engagement and SKU, so teams can review who opted in, when, and under which policy record.
Carrier acknowledgement
An opt-in starts pending carrier reporting and moves active only after carrier acknowledgement is recorded.
Quote prerequisites
No policy evidence, no quote
A fixed global price is not published because limits and premium are policy-backed by country. The quote endpoint returns the actual monthly premium and limits from the bound policy record for the engagement country.
| Evidence | Requirement |
|---|---|
| Country policy status | Must be active for the worker country and not expired. |
| Third-party EPLI endorsement | Required before the quote can be available. |
| Indemnification terms | Must be marked included under Gruv-controlled terms. |
| Carrier report state | Pending, reported, acknowledged, or failed for each opt-in record. |
What the add-on covers in code
The coverage record stores the engagement, SKU, policy, country, carrier, premium, limits, effective window, and carrier-report status. The current add-on SKU is AOR_MISCLASSIFICATION_INDEMNITY, and duplicate active opt-ins for the same engagement are blocked.
What still requires sign-off
The public page does not claim uncapped coverage or a universal carrier price. Production launch still requires broker/carrier binder data and billing enablement for the customer account.