Lease Compliance Checker API

Overview

The Lease Compliance Checker API analyzes lease agreements and insurance policies to determine if the insurance coverage meets the lease requirements. It extracts key data from both documents and provides a detailed compliance comparison.

Base URL

https://api.insurgrid.com/api

Authentication

All API requests require an API key passed in the request header.

Header	Value
X-API-Key	Your API key

Example:

X-API-Key: ig_live_abc123xyz789

API Key Format

• Production keys: ig_live_ prefix

• Test keys: ig_test_ prefix

Endpoints

Analyze Lease & Insurance Compliance

Compares a lease document against an insurance policy to identify coverage gaps.

POST /analyze

Request

Content-Type: multipart/form-data

Field	Type	Required	Description
lease	file	Yes	Lease agreement PDF
insurance	file	Yes	Insurance policy/binder PDF

cURL Example

cURL

curl --location 'https://api.insurgrid.com/api/analyze' \
  --header 'X-API-Key: ig_live_abc123xyz789' \
  --form 'lease=@"lease_agreement.pdf"' \
  --form 'insurance=@"insurance_policy.pdf"'

JavaScript Example

JavaScript (fetch)

const formData = new FormData();
formData.append('lease', leaseFile);
formData.append('insurance', insuranceFile);

const response = await fetch('https://api.insurgrid.com/api/analyze', {
  method: 'POST',
  headers: {
    'X-API-Key': 'ig_live_abc123xyz789'
  },
  body: formData
});

const result = await response.json();

Python Example

Python (requests)

import requests

url = "https://api.insurgrid.com/api/analyze"
headers = {"X-API-Key": "ig_live_abc123xyz789"}

files = {
    "lease": open("lease_agreement.pdf", "rb"),
    "insurance": open("insurance_policy.pdf", "rb")
}

response = requests.post(url, headers=headers, files=files)
result = response.json()

Response Schema

Success Response (200 OK)

{
  "lease": { ... },
  "insurance": { ... },
  "comparison": [ ... ],
  "summary": { ... },
  "recommendations": [ ... ],
  "extractionNotes": [ ... ],
  "_raw": { ... }
}

lease Object

Extracted information from the lease document.

Field	Type	Description
propertyAddress	string	Full property address
propertyAddress_page	integer	Page number where found
landlord	string	Landlord or management company name
landlord_page	integer	Page number where found
tenant	string	Tenant name(s)
tenant_page	integer	Page number where found
leaseStart	string	Lease start date (e.g., "Sep 10, 2024")
leaseStart_page	integer	Page number where found
leaseEnd	string	Lease end date (e.g., "Sep 30, 2025")
leaseEnd_page	integer	Page number where found

Example:

{
  "propertyAddress": "742 Evergreen Terrace, Unit 4B, Austin, TX 78701",
  "propertyAddress_page": 1,
  "landlord": "Sunrise Property Management LLC",
  "landlord_page": 1,
  "tenant": "John A. Smith, Sarah M. Smith",
  "tenant_page": 1,
  "leaseStart": "Jan 01, 2025",
  "leaseStart_page": 1,
  "leaseEnd": "Dec 31, 2025",
  "leaseEnd_page": 1
}

insurance Object

Extracted information from the insurance document.

Field	Type	Description
carrier	string	Insurance company name
carrier_page	integer	Page number where found
policyNumber	string	Policy number
policyNumber_page	integer	Page number where found
insured	string	Name(s) of insured parties
insured_page	integer	Page number where found
effectiveDate	string	Policy effective date
effectiveDate_page	integer	Page number where found
expirationDate	string | null	Policy expiration date
expirationDate_page	integer | null	Page number where found

Example:

{
  "carrier": "Acme Insurance Company",
  "carrier_page": 1,
  "policyNumber": "HO-2025-78432",
  "policyNumber_page": 1,
  "insured": "JOHN A SMITH SARAH M SMITH",
  "insured_page": 1,
  "effectiveDate": "Jan 15, 2025",
  "effectiveDate_page": 1,
  "expirationDate": "Jan 15, 2026",
  "expirationDate_page": 1
}

comparison Array

Array of compliance check results for each coverage type.

Field	Type	Description
field	string	Coverage type being compared
leaseRequired	string	What the lease requires
leaseRequired_page	integer | null	Page in lease document
insuranceCoverage	string	What the policy provides
insuranceCoverage_page	integer | null	Page in insurance document
status	string	Compliance status: pass, fail, or warning
gap	string | null	Description of the gap (if status is fail or warning)

Status Values

Status	Meaning
pass	Insurance meets or exceeds lease requirement
fail	Insurance does not meet lease requirement - action required
warning	Potential issue that needs manual verification

Coverage Fields Checked

Field Name	Description
Renters Insurance Required	Whether any renters insurance is required
General Liability	Personal liability coverage amount
Property Damage	Property damage liability coverage
Workers Compensation	Workers comp (commercial leases)
Umbrella/Excess Liability	Additional liability coverage
Auto Liability	Vehicle liability coverage
Professional Liability	E&O or professional coverage
Additional Insured	Landlord listed as additional insured
Interested Party	Landlord listed as interested party
Certificate Holder	Landlord as certificate holder
Waiver of Subrogation	Waiver of subrogation endorsement
Primary & Non-Contributory	Primary coverage endorsement
Property Address	Address matches leased property
Policy Period	Policy dates cover lease term
Policy Status	Policy is currently active

Example (pass):

{
  "field": "General Liability",
  "leaseRequired": "$100,000",
  "leaseRequired_page": 5,
  "insuranceCoverage": "$500,000",
  "insuranceCoverage_page": 1,
  "status": "pass",
  "gap": null
}

Example (with gap):

{
  "field": "Interested Party",
  "leaseRequired": "Sunrise Property Management LLC",
  "leaseRequired_page": 1,
  "insuranceCoverage": "Not listed on policy",
  "insuranceCoverage_page": null,
  "status": "fail",
  "gap": "Landlord/property management must be listed as Interested Party on the insurance policy"
}

recommendations Array

Array of actionable recommendations based on the compliance analysis.

Type: string[]

Example:

[
  "Add Sunrise Property Management LLC as Interested Party on the policy",
  "Ensure policy effective date covers from lease start (Jan 01, 2025)",
  "Ensure policy covers entire lease term through Dec 31, 2025",
  "Verify the insurance policy covers the property at 742 Evergreen Terrace, Unit 4B, Austin, TX 78701"
]

extractionNotes Array

Additional context about the documents that may affect compliance interpretation.

Type: string[]

Example:

[
  "Lease requires tenant to maintain coverage for the entire lease term",
  "No specific limits for personal property coverage stated in lease",
  "Document type: Renters Policy Declaration Page",
  "Policy includes automatic renewal clause"
]

_raw Object

Contains the complete extracted data from both documents including all coverage details. Useful for debugging or building custom comparison logic.

Full Response Example

Full response example (JSON)

{
  "lease": {
    "propertyAddress": "742 Evergreen Terrace, Unit 4B, Austin, TX 78701",
    "propertyAddress_page": 1,
    "landlord": "Sunrise Property Management LLC",
    "landlord_page": 1,
    "tenant": "John A. Smith, Sarah M. Smith",
    "tenant_page": 1,
    "leaseStart": "Jan 01, 2025",
    "leaseStart_page": 1,
    "leaseEnd": "Dec 31, 2025",
    "leaseEnd_page": 1
  },
  "insurance": {
    "carrier": "Acme Insurance Company",
    "carrier_page": 1,
    "policyNumber": "HO-2025-78432",
    "policyNumber_page": 1,
    "insured": "JOHN A SMITH SARAH M SMITH",
    "insured_page": 1,
    "effectiveDate": "Jan 15, 2025",
    "effectiveDate_page": 1,
    "expirationDate": "Jan 15, 2026",
    "expirationDate_page": 1
  },
  "comparison": [
    {
      "field": "Renters Insurance Required",
      "leaseRequired": "Yes - Required",
      "leaseRequired_page": 5,
      "insuranceCoverage": "Yes - Policy exists",
      "insuranceCoverage_page": 1,
      "status": "pass",
      "gap": null
    },
    {
      "field": "General Liability",
      "leaseRequired": "$100,000",
      "leaseRequired_page": 5,
      "insuranceCoverage": "$300,000",
      "insuranceCoverage_page": 1,
      "status": "pass",
      "gap": null
    },
    {
      "field": "Interested Party",
      "leaseRequired": "Sunrise Property Management LLC",
      "leaseRequired_page": 1,
      "insuranceCoverage": "Not listed on policy",
      "insuranceCoverage_page": null,
      "status": "fail",
      "gap": "Landlord/property management must be listed as Interested Party on the insurance policy"
    },
    {
      "field": "Policy Period",
      "leaseRequired": "Jan 01, 2025 - Dec 31, 2025",
      "leaseRequired_page": 1,
      "insuranceCoverage": "Jan 15, 2025 - Jan 15, 2026",
      "insuranceCoverage_page": 1,
      "status": "warning",
      "gap": "Policy effective date (Jan 15, 2025) is after lease start date (Jan 01, 2025). Gap of 14 days without coverage."
    },
    {
      "field": "Property Address",
      "leaseRequired": "742 Evergreen Terrace, Unit 4B, Austin, TX 78701",
      "leaseRequired_page": 1,
      "insuranceCoverage": "742 Evergreen Terrace, Unit 4B, Austin, TX 78701",
      "insuranceCoverage_page": 1,
      "status": "pass",
      "gap": null
    }
  ],
  "summary": {},
  "recommendations": [
    "Add Sunrise Property Management LLC as Interested Party on the policy",
    "Request policy backdated to Jan 01, 2025 or obtain proof of prior coverage",
    "Verify landlord receives certificate of insurance"
  ],
  "extractionNotes": [
    "Lease requires tenant to maintain coverage for the entire lease term",
    "No specific limits for personal property coverage stated in lease",
    "Document type: Renters Policy Declaration Page"
  ]
}

Error Responses

400 Bad Request

Missing or invalid files.

{
  "error": "bad_request",
  "message": "Both lease and insurance files are required"
}

401 Unauthorized

Invalid or missing API key.

{
  "error": "unauthorized",
  "message": "Invalid API key"
}

413 Payload Too Large

Files exceed size limit (10MB per file).

{
  "error": "payload_too_large",
  "message": "File size exceeds 10MB limit"
}

422 Unprocessable Entity

Could not extract data from the provided documents.

{
  "error": "extraction_failed",
  "message": "Unable to extract data from lease document",
  "details": "PDF appears to be image-only without extractable text"
}

429 Too Many Requests

Rate limit exceeded.

{
  "error": "rate_limited",
  "message": "Rate limit exceeded. Try again in 60 seconds",
  "retry_after": 60
}

500 Internal Server Error

{
  "error": "internal_error",
  "message": "An unexpected error occurred"
}

Rate Limits

Plan	Requests/minute	Requests/day
Free	5	50
Pro	30	1,000
Enterprise	Custom	Custom

Rate limit headers are included in all responses:

X-RateLimit-Limit: 30
X-RateLimit-Remaining: 29
X-RateLimit-Reset: 1699574400

Supported Document Types

Type	Extensions	Notes
PDF	.pdf	Recommended. Supports text and scanned documents via OCR
Image	.jpg, .png	Single page documents only

Changelog

Version	Date	Changes
1.0.0	2024-11	Initial release

Support

• Email: [email protected]

• Documentation: https://docs.insurgrid.com

• Status Page: https://status.insurgrid.com