For Insurance & Underwriting

Verify contractor licences before underwriting

Real-time API verification during the quote process. Stop insuring unlicensed contractors before it costs you.

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1.1M+ licences

Fast response

8 states covered

The Problem

Manual Verification Delays Policy Issuance

Underwriters spend hours manually checking licence registers. Quote-to-bind times suffer while contractors wait.

Risk of Insuring Unlicensed Contractors

Contractors submit outdated or forged documents. If a claim arises from unlicensed work, the policy may be voided or disputed.

The Cost of Getting It Wrong

Policy disputes and voided claims
Regulatory penalties and fines
Reputation damage from bad claims
Higher loss ratios impact profitability

The Solution

Real-time API verification during the quote process

Instant Underwriting Integration

Add licence verification to your quote flow. Fast API response means no delays for applicants.

Verify by licence number or ABN
Check licence class matches trade
Confirm financial category

Ongoing Monitoring

Don't just verify at inception. Monitor licences throughout the policy period.

Regular data updates from registers
Webhook alerts for status changes
Bulk re-verification endpoints

Data Points Available

{
  "status": "active",
  "licence_number": "54898",
  "licensee_name": "CRAIG MAXWELL NIXON",
  "abn": "52 286 440 148",
  "licence_type": "Individual",
  "financial_category": "Self Certification - Trade",
  "licence_classes": [
    { "grade": "Trade Contractor Licence", "class": "Plumbing and Drainage" },
    { "grade": "Trade Contractor Licence", "class": "Gasfitting" }
  ],
  "data_date": "2026-01-27",
  "state": "QLD"
}

Financial category indicates the maximum contract value the contractor is authorized for, useful for risk assessment.

Benefits for Insurers

Faster Underwriting

Reduce quote-to-bind times from days to minutes with instant verification.

Reduced Risk

Never accidentally insure an unlicensed contractor. Verify before you bind.

Automated Compliance

Maintain audit trails and meet regulatory requirements automatically.

Compliance & Audit Trail

Every verification is logged with timestamp, providing a clear audit trail for:

Regulatory compliance documentation
Claims investigation support
Underwriting decision justification
Internal audit requirements

Data is sourced directly from official state registers (QBCC, NSW Fair Trading, VBA), ensuring you're verifying against the authoritative government data.