Developer Hub & API Reference
Production REST API for commercial catastrophe underwriting: sub-45ms physical rating, California CDI § 2644.9 discounts, 5-mile $25M PML accumulation caps, and cryptographic Merkle audit proofs.
Overview & Protocol Standards
The VesperSpatial API is an enterprise JSON REST service built for automated commercial property catastrophe underwriting, policy administration system (PAS) rating engines, and actuarial filing validation. All requests must be encrypted over HTTPS and communicate via valid UTF-8 JSON payloads.
Authentication & API Keys
Authenticate all requests by including your secret API token in the HTTP Authorization header using the Bearer scheme:
Authorization: Bearer vs_live_9b4e72ac1048_carrier_prodReal-Time Underwriting & Rating
Submit a commercial property street address or coordinate pair. Delphi-1.0 resolves rooftop elevation via USGS 1m LiDAR, computes slope flame front acceleration, evaluates ECMWF ERA5 dead fuel moisture, and applies all 10 California statutory mitigation discounts in under 45ms.
| Field | Type | Requirement | Description |
|---|---|---|---|
| address | string | Required | Full commercial street address or 5-digit California ZIP code. |
| tiv_usd | number | Required | Total Insurable Value (Building + Contents + Business Interruption) in USD. |
| distance_to_brush_ft | number | Optional | Horizontal distance to unmanaged wildland brush in feet (auto-computed if omitted via USGS LiDAR). |
| class_a_roof | boolean | Optional | Whether the structure possesses a certified noncombustible Class A roof assembly. |
| ember_resistant_vents | boolean | Optional | Whether foundation and attic vents feature 1/8-inch corrosion-resistant metal mesh. |
curl -X POST https://api.vesperspatial.com/api/v1/underwrite/quote \
-H "Authorization: Bearer vs_live_9b4e72ac1048_carrier_prod" \
-H "Content-Type: application/json" \
-d '{
"address": "1250 Silverado Trail, St. Helena, CA 94574",
"tiv_usd": 12500000,
"class_a_roof": true,
"ember_resistant_vents": true
}'Statutory Quote Slip & 16pt D-1 Notice
Generates an audit-certified, print-ready PDF quote slip including mandatory California Surplus Lines 16-point bold D-1 statutory disclosures, SL-2 diligent search affidavit references, and SHA-256 cryptographic quote validation hashes.
| Field | Type | Requirement | Description |
|---|---|---|---|
| quote_id | string | Required | Unique quote identifier returned by the quote endpoint. |
curl -X GET https://api.vesperspatial.com/api/v1/underwrite/quote/QTE_2026_9B4E72AC/pdf \
-H "Authorization: Bearer vs_live_9b4e72ac1048_carrier_prod" \
--output quote_QTE_2026_9B4E72AC.pdfHigh-Throughput Batch Hazard Screening
Screen up to 1,000 commercial locations in a single API call. Returns vectorized hazard ratings, slope gradients, and brush proximity scores for instant portfolio book clearance.
| Field | Type | Requirement | Description |
|---|---|---|---|
| locations | array[object] | Required | Array of location objects containing address or lat/long coordinates. |
curl -X POST https://api.vesperspatial.com/api/v1/hazards/wildfire/batch \
-H "Authorization: Bearer vs_live_9b4e72ac1048_carrier_prod" \
-H "Content-Type: application/json" \
-d '{
"locations": [
{"id": "LOC_01", "address": "1250 Silverado Trail, St. Helena, CA"},
{"id": "LOC_02", "address": "1495 Meadow Brook Rd, Altadena, CA"}
]
}'California CDI § 2644.9 Mandatory Credits
Fetches the certified statutory credit schedule detailing mandatory rate reductions across all 10 required mitigation tiers: Zone 0 noncombustible perimeter, Class A roof, 1/8" ember vents, enclosed eaves, and Firewise USA community recognition.
| Field | Type | Requirement | Description |
|---|---|---|---|
| county_fips | string | Optional | 5-digit California county FIPS code for localized base rate exhibits. |
curl -X GET "https://api.vesperspatial.com/api/v1/compliance/cdi-credits?county_fips=06055" \
-H "Authorization: Bearer vs_live_9b4e72ac1048_carrier_prod"ASOP 38 & ASOP 56 Actuarial Dossier
Retrieves the certified actuarial memorandum documenting physical parameterization, sensitivity testing bounds, Rothermel fluid equations, and empirical backtest validation against the Tubbs, Camp, Glass, and Dixie fires.
curl -X GET https://api.vesperspatial.com/api/v1/compliance/asop38-dossier \
-H "Authorization: Bearer vs_live_9b4e72ac1048_carrier_prod"5-Mile Radial $25M PML Accumulation Check
Calculates spatial clustering and Probable Maximum Loss (PML) accumulation within a 5-mile radial circle around any coordinate or Uber H3 hexagonal cell. Automatically triggers treaty capacity surcharges or bind moratoriums when capacity caps are reached.
| Field | Type | Requirement | Description |
|---|---|---|---|
| latitude | number | Required | Target location latitude in decimal degrees. |
| longitude | number | Required | Target location longitude in decimal degrees. |
| new_tiv_usd | number | Required | Proposed incremental TIV to test against existing active in-force treaty limits. |
curl -X POST https://api.vesperspatial.com/api/v1/portfolio/accumulation \
-H "Authorization: Bearer vs_live_9b4e72ac1048_carrier_prod" \
-H "Content-Type: application/json" \
-d '{
"latitude": 34.1808,
"longitude": -118.1310,
"new_tiv_usd": 5000000
}'Cryptographic Merkle Audit Verification
Verify the cryptographic SHA-256 Merkle root and leaf inclusion proof for any bound policy or quote rating. Guarantees tamper-evident auditability for Department of Insurance statutory examinations.
| Field | Type | Requirement | Description |
|---|---|---|---|
| quote_id | string | Required | The unique quote ID to verify against the immutable hash ledger. |
curl -X POST https://api.vesperspatial.com/api/v1/audit/merkle-verify \
-H "Authorization: Bearer vs_live_9b4e72ac1048_carrier_prod" \
-H "Content-Type: application/json" \
-d '{"quote_id": "QTE_2026_9B4E72AC"}'