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      API: KY - Admitted Premium, Surcharge, & Municipal Tax Calculations

      Instructions on how to get up-to-date Admitted insurance tax rates in the state of Kentucky via API through a JSON request.

      Table of Contents

      1. Overview & Method
      2. URL Endpoint, Authentication, and API Keys
      3. JSON Sample Request
        1. Description of Request Fields
      4. JSON Response
        1. Description of Response Fields
      5. Version History

      Overview & Method

      This API allows your management system to quickly query and receive state and municipal tax rates in the state of Kentucky. You will also get the municipal taxing jurisdiction calculated and returned for you as well. 

      TIP: There are different methods or approaches to retrieving tax calculations using InsCipher's Access REST API. If you need a quick solution to test out an import and do not currently have one, consider utilizing Postman. 

      Authentication and URL


      Users are authenticated using an API key, which is provided by your InsCipher implementation specialist. The API key is typically around 40 characters. 

      API Key: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

      If you are a prospective client, please contact info@inscipher.com to learn how you can get your hands on a test API key.

      URL Endpoint:

      https://surpluslines.inscipher.com/api/tax-calculator/calculate-general-taxes.json?apikey=XXXXXXXXXXXXXXXXXXXXXXXXXXXXX

      Note: This URL is the same URL used to calculate admitted and non-admitted (surplus lines taxes). 

      HTTP Method:

      POST

      JSON Request Sample

      {
      "admitted": 1,
      "physical_state" : "KY",
      "physical_address": "1110 Sparks Rd",
      "physical_city" : "Lexington",
      "physical_zip_code": "40505",
      "line_of_business" : "1014",
      "policy_effective_date" : "2023-01-01",
      "transaction_type" : "PN",
      "premium" : 1000.55,
      "agency_fee" : 100,
      "inspection_fee" : 200
      }

      Note: For policies with multiple lines of business, use separate requests for the premium associated with each LOB

      Request Field Descriptions

      Field Name Description Required Header? Required Value? Accepted Values
      physical_state

      Currently, we only provide admitted tax rates for Kentucky so set this value to be "KY".

      If you wish to get surplus lines tax rates in all 50 states + US territories and DC, contact info@inscipher.com and we can get you set up. The process for getting surplus line tax rates is very similar.

      		 Yes Yes

      "KY"

      STRING 
      admitted For getting Admitted/Premium tax rates, set this value to "1" Yes Yes

      "1"

      INTEGAR
      policy_effective_date Policy effective date of the original policy. This is what determines the tax rate period as InsCipher stores historical tax rate records. Yes

      No

      If omitted, Today's Date will be Used

      date

      (YYYY-MM-DD)
      physical_address     
      The physical address of where the majority of the risk resides.      		 Yes Yes varchar (255)
      physical_city The physical city of where the majority of the risk resides. Yes Yes varchar (100)
      physical_zip_code The physical zip code of where the majority of the risk resides. Yes Yes

      varchar (5) 
      line_of_business The type or line of business (aka coverage code). 
      • To get a list of LOB import codes, go here.
      		 Yes Yes string (10)
      transaction_type

      The transaction or policy type

      • To get a list of all transaction-type import codes, go here.
      		 Yes Yes String (3)
      premium Gross premium on the policy Yes Yes decimal (12,2)
      agency_fee Total fees charged or retained by the brokerage includes fees such as policy fees, agency fees, filing fees, processing fees, etc. Yes No decimal (12,2)
      inspection_fee Total fees charged, mandated, or retained by the carrier include fees such as inspection fees, audit fees, carrier fees, underwriting fees, etc. Yes No decimal (12,2)

      JSON Response Sample

      {
          "state": "KY",
          "admitted": 1,
          "policy_effective_date": "2023-01-01",
          "premium": 1000.55,
          "inspection_fee": 200,
          "agency_fee": 100,
          "premium_tax": 26.01,
          "municipal_fee": "65.03",
          "municipal_tax_settings": [
              {
                  "municipal_tax_setting": {
                      "municipality_name": "Lexington-Fayette",
                      "line_category": "inland_marine"
                  }
              }
          ],
          "stamping_fee": 23.41
      }

      Response Field Descriptions

      Field Name Notes
      state

      matches request value
      admitted matches request value
      policy_effective_date matches request value
      premium matches request value
      agency_fee matches request value
      inspection_fee matches request value
      premium_tax Calculated Premium tax
      municipal_fee Calculated Municipal tax (i.e. Local Government Premium Tax)

      municipal_tax_settings

          municipal_tax_setting

               municipality_name

               line_category

      Two Values Returned:

      1. Calculated local government jurisdiction name (i.e. the municipality name)
      2. Line category for which the municipal taxes are based (used in LGPT reporting)
      stamping_fee Calculated Surcharge tax
      }

      Policy Type Code and LOB Code Mapping

      Kentucky does tax differently, on the municipal level, based on the line of business/coverage code used on the policy.

      • To get a list of LOB import codes, go here.
      • To get a list of all transaction-type import codes, go here.

      Change History

      Date Description of Change
      11/2/2023  Fixed municipal tax settings to allow for multi-LOB responses
      12/7/2022 Article creation