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Master Question Set

The Master Question Set (MQS) is the aggregate list of risk questions Bold Penguin has normalized across carriers. The list below includes the subset of question code and answer pairs used to collect basic business information to start quotes in the Terminal and to send prospects to the Exchange.

You may use any of the codes from this question set with certain restrictions based on context. For instance, you must include a valid mqs_phone answer to send an application form to the Exchange. In the Enterprise Terminal, these questions may be overridden by Broker Questions. Additionally, there are two allowed values for mqs_state. The customer can use either the full state name, or the two letter state code, as shown on the State Information page.

Question Codes​

  • mqs_first_name

    • What is your first name?
    • String (maximum length: 255)

  • mqs_last_name

    • What is your last name?
    • String (maximum length: 255)

  • mqs_phone

    • What is your phone number?
    • String (length: 10) Required
      • Invalid: (614)-342-8293
      • Valid: 6143428293
    • Must be a valid phone number
    • Must be unique within the last 60 days in the Exchange

  • mqs_email

    • What is the best email address to send a copy of the quote?
    • String (maximum length: 255)
    • Valid email id format
      • [a-zA-Z0-9._%+-]+@[a-zA-Z0-9.-]+.[a-zA-Z0-9]{2,}

  • mqs_business_name

    • What is the name of your business?
    • String (maximum length: 255)

  • mqs_street_1

    • Address Line 1
    • String (maximum length: 255 - mqs_street_2.length)

  • mqs_street_2

    • Address Line 2
    • String (maximum length: 255 - mqs_street_1.length)

  • mqs_city

    • What is your city?
    • String (maximum length: 255)

  • mqs_state

  • mqs_zipcode

    • What is your zip code?
    • String (length: 5)
      • Valid 5 digit US zip code

  • Naics

    • What type of business are you trying to insure today?
    • String (maximum length: 255)

    NOTE: NAICS descriptions are currently derived from the 2012 NAICS and must match exactly. You can also send the NAICS number value which may be preferable.

  • mqs_legal_entity

    • What is your legal entity type?
    • Enum:
      • Sole Proprietorship
      • Partnership
      • LLC
      • S Corporation
      • C Corporation
      • Joint Venture
      • Trust
      • Association
      • Municipality
      • Other

  • mqs_full_time_employees

    • How many full time associates do you currently employ?
    • Integer (0 - 2,147,483,647)

  • mqs_part_time_employees

    • How many part time associates do you currently employ?
    • Integer (0 - 2,147,483,647)

  • mqs_estimated_annual_revenue

    • What do you estimate your annual gross revenue will be for the next 12 months?
    • Integer (1 - 999,999,999)

  • mqs_estimated_annual_payroll_owner

    • What do you anticipate your annual payroll will be for the business owner(s) for the next 12 months?
    • Integer (1 - 999,999,999)

  • mqs_estimated_annual_payroll

    • What do you anticipate your annual payroll will be for full-time, part-time, and temporary employees for the next 12 months?
    • Integer (0 - 999,999,999)

  • mqs_estimated_annual_payroll_subcontractors

    • How much do you anticipate to pay subcontractors during the next 12 months (enter $0 if you do not subcontract any services)?
    • Integer (0 - 999,999,999)

  • mqs_coverage_start_date

    • When would you like your policy to start?
    • String (YYYY-MM-DD)
    • Policy must be within 0-60 days of current day

  • mqs_currently_insured

    • Do you currently have insurance for this business?
    • Enum:
      • Yes
      • No

  • mqs_years_of_experience

    • How many years of experience do you have in this profession?
    • Integer (0 - 999)

  • CoverageTypes

    • What type of coverage are you looking for?
    • An array of one or more of the following enumerated types:
      • BOP
      • Commercial Auto
      • Commercial Flood
      • Cyber Liability
      • Liability
      • Other/Not Sure
      • Professional Liability (E&O)
      • Umbrella
      • Workers Compensation

  • mqs_additional_insured_required

    • Are you required to name a third party as an additional insured or loss payee on your policy? (i.e. building owner, bank, landlord, etc.)
    • Enum:
      • Yes
      • No

  • mqs_annual_policy

    • Does your business operate year round?
    • Enum:
      • Yes
      • No

  • mqs_area_occupied

    • Approximately how many square feet does your business occupy of this building (not total square feet of building)? Enter 0 if you do not occupy the building.
    • Integer (0 - 999,999,999)

  • mqs_building_construction

    • Which of the following describes the construction of your building?
    • Enum (String):
      • Frame,
      • Joisted Masonry,
      • Masonry Non Combustible,
      • Non Combustible,
      • Fire Resistive,
      • Modified Fire Resistive

  • mqs_building_has_sprinkler_system

    • Does the building contain an automatic sprinkler system?
    • Enum:
      • Yes
      • No

  • mqs_building_ownership

    • Do you own the building at this location?
    • Enum:
      • Yes
      • No

  • mqs_building_relationship

    • What type of building do you operate your business out of?
    • Enum:
      • My home,
      • An apartment,
      • A building I lease,
      • A building I own and run my business out of,
      • A building I own/manage and lease to others,
      • A commercial condo I own,
      • A commercial condo I lease,
      • A kiosk

  • mqs_building_square_footage

    • What is the approximate total square footage of the building (including space you do not occupy)?
    • Integer (1 - 999,999,999)

  • mqs_building_stories

    • How many stories is this building?
    • Integer (1 - 255)

  • mqs_building_year_built

    • What is the approximate year the building you occupy was constructed?
    • Integer > 1600

  • mqs_business_personal_property_limit

    • What is the total value of your business personal property at this location?
    • Integer (0 - 999,999,999)

  • mqs_covg_ca_liability_limit

    • Select your Bodily Injury & Property Damage for your new commercial auto policy.
    • Enum:
      • $300,000 combined single limit,
      • $500,000 combined single limit,
      • $1,000,000 combined single limit

  • mqs_fein

    • Federal Employer Identification Number (FEIN)
    • Integer
    • Must be 9 digits (1234556789)

  • mqs_has_fein

    • Does your business have a Federal Employer Identification Number (FEIN)?
    • Enum:
      • Yes
      • No

  • mqs_ssn

    • Social Security Number (SSN)
    • Integer
    • Must be 9 digits (1234556789)

  • mqs_year_established

    • In what year did you start your business?
    • String (YYYY)

Example Application Form​

{
  "application_form": {
    "answer_values": [
      {
        "code": "mqs_first_name",
        "answer": "Feathers"
      },
      {
        "code": "mqs_last_name",
        "answer": "McGraw"
      },
      {
        "code": "mqs_business_name",
        "answer": "Museum of Precious Diamonds"
      },
      {
        "code": "mqs_phone",
        "answer": "6143441029"
      },
      {
        "code": "CoverageTypes",
        "answer": ["Liability", "Commercial Auto"]
      },
      {
        "code": "Naics",
        "answer": "712110"
      },
      {
        "code": "mqs_estimated_annual_revenue",
        "answer": "100,000"
      }
    ]
  }
}