> For the complete documentation index, see [llms.txt](https://partner-docs.covergenius.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://partner-docs.covergenius.com/offers/services/xcover.md). # XCover XCover is Cover Genius's insurance product distribution service that delivers ready-to-sell insurance products through the Offers API. When you integrate with the Offers API, XCover handles product selection, underwriting, pricing, policy administration, and claims management, enabling you to offer insurance without becoming an insurance company. The Offers API connects your application to XCover's insurance product catalog: 1. **Create Offer** - Send customer and business context to XCover via the Offers API 2. **Receive Products** - XCover returns relevant insurance products with pricing and content 3. **Present to Customer** - Display the insurance offer using the provided content and pricing 4. **Confirm Offer** - When customer accepts, confirm the purchase through the API 5. **Policy Issued** - XCover issues the policy and handles all administration ### What XCover Handles When you use XCover through the Offers API, the service manages: **Product Management** * Insurance product catalog and availability * Product configuration and rules * Coverage terms and conditions * Policy wording and documentation **Pricing & Underwriting** * Real-time pricing calculations * Risk assessment and underwriting * Dynamic pricing optimization * Multi-currency support **Policy Administration** * Policy issuance and confirmation * Certificate of Insurance (COI) generation * Policy modifications and endorsements * Cancellations and refunds **Regulatory Compliance** * Insurance licensing and regulations * Jurisdiction-specific requirements * Consumer protection compliance * Data privacy and security **Claims Management** * Claims intake and processing * Customer support for claims * Settlement and payouts * Claims reporting --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://partner-docs.covergenius.com/offers/services/xcover.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.