AtlasTAP's Insurance Pricing API combines venue-level safety scoring and crime-radius context into a single API call — instant risk stratification for liquor liability, GL, and property coverage.
3,400+ venues scored · 5 safety tiers · <200ms response
One request in, an underwriting decision out. No model deployment, no data engineering, no loss-run reconciliation.
01
Send a Houston-area street address plus coverage line — the API geocodes and matches the nearest scored TABC venue within 50 m.
02
Response returns a letter tier, contributing factor weights, and a recommended adjustment to your baseline rate.
03
Wire the adjustment into your rating engine or quote system — bind, refer, or decline based on policy thresholds.
The API returns one of five tiers; map them to your rating plan however you like. Suggested adjustments below.
| Tier | Adjustment | What it means |
|---|---|---|
| A | −30% to −40% | Lowest risk — preferred rates |
| B | −10% to −20% | Below average risk |
| C | Baseline | Average risk |
| D | +20% to +35% | Elevated risk |
| E | +50% or decline | High risk — consider declining |
Designed for the three lines that share venue-level risk drivers.
Dram shop
Tier-aware pricing for assault, over-service, and dram-shop exposure across Houston ZIPs and venue categories.
Premises
Slip-and-fall, security, and crowd-control risk informed by the same safety index your competitors don't have.
Real estate
Parcel-level context for theft, vandalism, and crime-radius incidents — independent of carrier loss runs.
Insurance carriers writing hospitality books
Stratify the book in seconds and rebalance pricing across A–E tiers without rebuilding your rating plan.
Wholesale brokers differentiating on speed
Quote bars and restaurants in minutes, not days — bind faster than the carrier sitting on a paper application.
MGAs building automated underwriting flows
Drop the API into your decisioning pipeline for instant accept / refer / decline at the point of submission.
Risk managers auditing venue portfolios
Score an entire portfolio overnight and surface the venues driving disproportionate loss-ratio risk.
One request, one tier, one premium adjustment. Full reference available to API customers.
curl -X POST https://atlastap.deltakinetics.io/api/v1/insurance-pricing \
-H "X-AtlasTAP-Key: sk_live_your_key_here" \
-H "Content-Type: application/json" \
-d '{
"address": "1421 Washington Ave, Houston, TX 77007",
"coverage_type": "liquor_liability"
}'{
"safety_tier": "B",
"coverage_type": "liquor_liability",
"base_premium_estimate": 7200,
"adjusted_premium": 6120,
"tier_multiplier": 0.85,
"decline_recommended": false,
"confidence": 0.82,
"venue": {
"trade_name": "Lone Star Tavern",
"venue_category": "bar",
"address_matched": "1421 Washington Ave, Houston, TX 77007",
"zip": "77007",
"tabc_id": "8c4f…e21a",
"distance_m": 12.4
},
"factors": {
"safety_score": 78.4,
"safety_version": "v2",
"bar_premise_at_address_365d": 0,
"excess_violent_150m_365d": 0.12,
"excess_assault_150m_365d": 0.08,
"parcel_market_value_usd": 1250000
},
"disclaimer": "Estimate only — not an insurance quote…",
"computed_at": "2026-04-19T03:14:21Z",
"api_credits_remaining": 940
}Pricing
Enterprise API access — unlimited venue lookups, batch endpoints, dedicated support, and quarterly model refresh. Volume and multi-carrier pricing on request.
Tell us your carrier or MGA and the lines you write — we'll follow up with credentials, sandbox keys, and onboarding details.