Computes a fresh risk score for a carrier against thresholds you supply. The default GET /v1/carriers/{dot} response uses federal-minimum thresholds (BIPD ≥ $750k, no cargo minimum); this endpoint lets brokers and shippers score against stricter internal policies without DotLookup having to know who you are or what your policy is.
This endpoint requires an API key and is stateless — DotLookup never persists your policy. Each call is pure compute over (carrier data) × (policy).
Use GET /v1/carriers/{dot} for the default-policy score (cached and free of auth). Use this endpoint when your underwriting policy differs from the federal defaults.
BIPD coverage floor in dollars. Carriers with active BIPD below this threshold get a LOW_BIPD warning flag and a -25 insurance penalty. Default: 750000 (federal minimum).
Cargo coverage floor in dollars. Carriers with cargo coverage above zero but below this threshold get a LOW_CARGO_INSURANCE warning flag and a -10 insurance penalty. Default: 0 (no minimum — only completely missing cargo is flagged).
Empty body (or {}) is valid — it returns the default-policy score, equivalent to GET /v1/carriers/{dot} but on a non-cached path that always recomputes from source data.
Partial overrides merge with the default — sending {"min_bipd": 1000000} gives you a $1M BIPD threshold with the default cargo behavior.
Negative thresholds are rejected with 400 INVALID_PARAM.
Response stamps the effective policy — the policy field in the response is the merged policy that was actually applied. Stamp this on your evidence packet so the score can be reproduced later.
Chameleon-carrier signals are reused from the precomputed nightly snapshot — the cap behavior is identical to the default-policy score.
This endpoint counts against your account’s rate limit — the single shared limit used by every authenticated request, including POST /v1/carriers/bulk and ordinary carrier lookups. There is no separate bulk-API pool. It returns 401 UNAUTHORIZED without a valid X-API-Key header.
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`}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"warning\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"code\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"LOW_BIPD\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"message\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"BIPD coverage below configured minimum ($1000000)\"`})]}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:` }`})}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:` ]`})}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:` }`})}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`}`})}),`\n`]})})})}),`\n`,_jsx(Heading,{level:`2`,id:`behavior`,children:`Behavior`}),`\n`,_jsxs(_components.ul,{children:[`\n`,_jsxs(_components.li,{children:[_jsx(_components.strong,{children:`Empty body`}),` (or `,_jsx(_components.code,{children:`{}`}),`) is valid — it returns the default-policy score, equivalent to `,_jsx(_components.code,{children:`GET /v1/carriers/{dot}`}),` but on a non-cached path that always recomputes from source data.`]}),`\n`,_jsxs(_components.li,{children:[_jsx(_components.strong,{children:`Partial overrides`}),` merge with the default — sending `,_jsx(_components.code,{children:`{\"min_bipd\": 1000000}`}),` gives you a $1M BIPD threshold with the default cargo behavior.`]}),`\n`,_jsxs(_components.li,{children:[_jsx(_components.strong,{children:`Negative thresholds`}),` are rejected with `,_jsx(_components.code,{children:`400 INVALID_PARAM`}),`.`]}),`\n`,_jsxs(_components.li,{children:[_jsx(_components.strong,{children:`Response stamps the effective policy`}),` — the `,_jsx(_components.code,{children:`policy`}),` field in the response is the merged policy that was actually applied. Stamp this on your evidence packet so the score can be reproduced later.`]}),`\n`,_jsxs(_components.li,{children:[_jsx(_components.strong,{children:`Chameleon-carrier signals are reused`}),` from the precomputed nightly snapshot — the cap behavior is identical to the default-policy score.`]}),`\n`]}),`\n`,_jsx(Heading,{level:`2`,id:`when-stricter-policies-move-the-score`,children:`When stricter policies move the score`}),`\n`,_jsx(_components.p,{children:`The most common deltas:`}),`\n`,_jsxs(Table,{children:[_jsx(_components.thead,{children:_jsxs(_components.tr,{children:[_jsx(_components.th,{children:`Scenario`}),_jsx(_components.th,{children:`Default policy`}),_jsx(_components.th,{children:`Stricter policy`}),_jsx(_components.th,{children:`Score effect`})]})}),_jsxs(_components.tbody,{children:[_jsxs(_components.tr,{children:[_jsx(_components.td,{children:`Carrier with $750k BIPD`}),_jsx(_components.td,{children:`OK (federal min)`}),_jsxs(_components.td,{children:[_jsx(_components.code,{children:`min_bipd: 1000000`}),` adds `,_jsx(_components.code,{children:`LOW_BIPD`}),` flag`]}),_jsx(_components.td,{children:`-25 insurance, ~-6 overall`})]}),_jsxs(_components.tr,{children:[_jsx(_components.td,{children:`Carrier with $50k cargo`}),_jsx(_components.td,{children:`OK (cargo present)`}),_jsxs(_components.td,{children:[_jsx(_components.code,{children:`min_cargo: 100000`}),` adds `,_jsx(_components.code,{children:`LOW_CARGO_INSURANCE`}),` flag`]}),_jsx(_components.td,{children:`-10 insurance, ~-3 overall`})]}),_jsxs(_components.tr,{children:[_jsx(_components.td,{children:`Carrier with $0 BIPD`}),_jsxs(_components.td,{children:[_jsx(_components.code,{children:`NO_BIPD`}),` flag + hard cap at 35`]}),_jsxs(_components.td,{children:[`Same — `,_jsx(_components.code,{children:`min_bipd`}),` doesn’t change behavior when BIPD is zero`]}),_jsx(_components.td,{children:`No incremental effect`})]}),_jsxs(_components.tr,{children:[_jsx(_components.td,{children:`Carrier with $0 cargo`}),_jsxs(_components.td,{children:[_jsx(_components.code,{children:`NO_CARGO_INSURANCE`}),` flag (-15 insurance)`]}),_jsxs(_components.td,{children:[`Same — `,_jsx(_components.code,{children:`min_cargo`}),` only flags below-threshold, not absent`]}),_jsx(_components.td,{children:`No incremental effect`})]})]})]}),`\n`,_jsx(Heading,{level:`2`,id:`rate-limit-and-auth`,children:`Rate limit and auth`}),`\n`,_jsxs(_components.p,{children:[`This endpoint counts against `,_jsx(_components.strong,{children:`your account’s rate limit`}),` — the single shared limit used by every authenticated request, including `,_jsx(_components.a,{href:`/endpoints/bulk-lookup`,children:_jsx(_components.code,{children:`POST /v1/carriers/bulk`})}),` and ordinary carrier lookups. There is no separate bulk-API pool. It returns `,_jsx(_components.code,{children:`401 UNAUTHORIZED`}),` without a valid `,_jsx(_components.code,{children:`X-API-Key`}),` header.`]})]})}function MDXContent(props={}){const{wrapper:MDXLayout}={..._provideComponents(),...props.components};return MDXLayout?_jsx(MDXLayout,{...props,children:_jsx(_createMdxContent,{...props})}):_createMdxContent(props)}return{default:MDXContent};function _missingMdxReference(id,component){throw new Error(`Expected `+(component?`component`:`object`)+\" `\"+id+\"` to be defined: you likely forgot to import, pass, or provide it.\")}","frontmatter":{},"scope":{"config":{},"pageMetadata":{"title":"Policy-aware Risk Score","api":"POST /v1/carriers/{dot_number}/risk-score","description":"Compute a carrier risk score against caller-supplied policy thresholds","href":"/endpoints/risk-score"}}}},"mdxExtracts":{"tableOfContents":[{"title":"Behavior","slug":"behavior","depth":2,"children":[]},{"title":"When stricter policies move the score","slug":"when-stricter-policies-move-the-score","depth":2,"children":[]},{"title":"Rate limit and auth","slug":"rate-limit-and-auth","depth":2,"children":[]}],"codeExamples":{"request":{"type":"RequestExample","children":[{"filename":"cURL","html":"\u003cpre class=\"shiki shiki-themes github-light-default dark-plus\" style=\"background-color:#ffffff;--shiki-dark-bg:#0B0C0E;color:#1f2328;--shiki-dark:#D4D4D4\" language=\"shellscript\">\u003ccode language=\"shellscript\" numberOfLines=\"4\">\u003cspan class=\"line\">\u003cspan style=\"color:#953800;--shiki-dark:#DCDCAA\">curl\u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#569CD6\"> -X\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> POST\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> https://api.dotlookup.dev/v1/carriers/2233855/risk-score\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D7BA7D\"> \\\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#0550AE;--shiki-dark:#569CD6\"> -H\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"Content-Type: application/json\"\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D7BA7D\"> \\\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#0550AE;--shiki-dark:#569CD6\"> -H\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"X-API-Key: your_api_key_here\"\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D7BA7D\"> \\\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#0550AE;--shiki-dark:#569CD6\"> -d\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> '{\"min_bipd\": 1000000, \"min_cargo\": 100000}'\u003c/span>\u003c/span>\n\u003c/code>\u003c/pre>"},{"filename":"Python","html":"\u003cpre class=\"shiki shiki-themes github-light-default dark-plus\" style=\"background-color:#ffffff;--shiki-dark-bg:#0B0C0E;color:#1f2328;--shiki-dark:#D4D4D4\" language=\"python\">\u003ccode language=\"python\" numberOfLines=\"9\">\u003cspan class=\"line\">\u003cspan style=\"color:#CF222E;--shiki-dark:#C586C0\">import\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> requests\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">resp \u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D4D4D4\">=\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> requests.post(\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"https://api.dotlookup.dev/v1/carriers/2233855/risk-score\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#953800;--shiki-dark:#9CDCFE\"> headers\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D4D4D4\">=\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">{\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"X-API-Key\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"your_api_key\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">},\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#953800;--shiki-dark:#9CDCFE\"> json\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D4D4D4\">=\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">{\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"min_bipd\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">1_000_000\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"min_cargo\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">100_000\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">},\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">)\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">result \u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D4D4D4\">=\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> resp.json()\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#0550AE;--shiki-dark:#DCDCAA\">print\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">(\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#569CD6\">f\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"Score: \u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#569CD6\">{\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">result[\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">'risk_score'\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">][\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">'score'\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">]\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#569CD6\">}\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> (\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#569CD6\">{\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">result[\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">'risk_score'\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">][\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">'grade'\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">]\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#569CD6\">}\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">)\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">)\u003c/span>\u003c/span>\n\u003c/code>\u003c/pre>"},{"filename":"JavaScript","html":"\u003cpre class=\"shiki shiki-themes github-light-default dark-plus\" style=\"background-color:#ffffff;--shiki-dark-bg:#0B0C0E;color:#1f2328;--shiki-dark:#D4D4D4\" language=\"javascript\">\u003ccode language=\"javascript\" numberOfLines=\"9\">\u003cspan class=\"line\">\u003cspan style=\"color:#CF222E;--shiki-dark:#569CD6\">const\u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#4FC1FF\"> resp\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D4D4D4\"> =\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#C586C0\"> await\u003c/span>\u003cspan style=\"color:#8250DF;--shiki-dark:#DCDCAA\"> fetch\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">(\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"https://api.dotlookup.dev/v1/carriers/2233855/risk-score\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, {\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\"> method:\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"POST\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\"> headers:\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> {\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"Content-Type\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\">:\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"application/json\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"X-API-Key\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\">:\u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\"> \"your_api_key\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> },\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\"> body:\u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#4FC1FF\"> JSON\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">.\u003c/span>\u003cspan style=\"color:#8250DF;--shiki-dark:#DCDCAA\">stringify\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">({ \u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\">min_bipd:\u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\"> 1_000_000\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\">min_cargo:\u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\"> 100_000\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> }),\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">});\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#CF222E;--shiki-dark:#569CD6\">const\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> { \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#4FC1FF\">risk_score\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> } \u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#D4D4D4\">=\u003c/span>\u003cspan style=\"color:#CF222E;--shiki-dark:#C586C0\"> await\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#9CDCFE\"> resp\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">.\u003c/span>\u003cspan style=\"color:#8250DF;--shiki-dark:#DCDCAA\">json\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">();\u003c/span>\u003c/span>\n\u003c/code>\u003c/pre>"}],"attributes":[]},"response":{"type":"ResponseExample","children":[{"filename":"200","html":"\u003cpre class=\"shiki shiki-themes github-light-default dark-plus\" style=\"background-color:#ffffff;--shiki-dark-bg:#0B0C0E;color:#1f2328;--shiki-dark:#D4D4D4\" language=\"json\">\u003ccode language=\"json\" numberOfLines=\"25\">\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">{\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"dot_number\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"2233855\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"policy\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: {\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"min_bipd\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">1000000\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"min_cargo\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">100000\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> },\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"risk_score\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: {\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"score\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">72\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"grade\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"C\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"tier\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"Fair\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"confidence\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"high\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"components\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: [\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> { \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"name\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"Compliance\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"score\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">95\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"weight\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">40\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> },\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> { \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"name\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"Safety\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"score\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">82\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"weight\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">35\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> },\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> { \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"name\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"Insurance\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"score\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">55\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">, \u003c/span>\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\">\"weight\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0550AE;--shiki-dark:#B5CEA8\">25\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> }\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> ],\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"flags\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: [\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> {\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"severity\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"warning\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"code\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"LOW_BIPD\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">,\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#116329;--shiki-dark:#9CDCFE\"> \"message\"\u003c/span>\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">: \u003c/span>\u003cspan style=\"color:#0A3069;--shiki-dark:#CE9178\">\"BIPD coverage below configured minimum ($1000000)\"\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> }\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> ]\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\"> }\u003c/span>\u003c/span>\n\u003cspan class=\"line\">\u003cspan style=\"color:#1F2328;--shiki-dark:#D4D4D4\">}\u003c/span>\u003c/span>\n\u003c/code>\u003c/pre>"}],"attributes":[]}},"endpoint":{"title":"Policy-aware Risk Score","path":"/v1/carriers/{dot_number}/risk-score","method":"post","request":{"security":[],"parameters":{"query":{},"header":{},"cookie":{},"path":{"dot_number":{"schema":[{"type":"string","description":"The carrier’s USDOT number","required":true}]}}},"body":{"application/json":{"schemaArray":[{"type":"object","properties":{"min_bipd":[{"type":"integer","description":"BIPD coverage floor in dollars. Carriers with active BIPD below this threshold get a `LOW_BIPD` warning flag and a -25 insurance penalty. Default: `750000` (federal minimum)."}],"min_cargo":[{"type":"integer","description":"Cargo coverage floor in dollars. Carriers with cargo coverage above zero but below this threshold get a `LOW_CARGO_INSURANCE` warning flag and a -10 insurance penalty. Default: `0` (no minimum — only completely missing cargo is flagged)."}]}}],"examples":{"example":{"value":{"min_bipd":123,"min_cargo":123}}}}}},"response":{},"deprecated":false}},"jsLinks":[],"subdomain":"quaillogistics","siteName":"DotLookup","title":"Policy-aware Risk Score - DotLookup","navMaps":{"firstHrefInVersion":{},"firstHrefInLanguage":{}},"lastModified":"2026-07-21T18:59:57.177Z","originalFileLocation":"endpoints/risk-score.mdx"},"headHtml":"\u003cscript data-mint-head>(function(){var d=document.documentElement,p=null;if(!p){try{p=localStorage.getItem(\"isDarkMode\")}catch(e){}if(p==='true')p='dark';else if(p==='false')p='light';if(p!=='light'\u0026\u0026p!=='dark'\u0026\u0026p!=='system')p=\"system\"}var r=p==='system'?(matchMedia(\"(prefers-color-scheme: dark)\").matches?'dark':'light'):p;d.classList.remove(r==='dark'?'light':'dark');d.classList.add(r);d.setAttribute(\"data-theme-preference\",p)})();\u003c/script>\u003cmeta data-mint-head name=\"description\" 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href=\"/mintlify-assets/_mintlify/favicons/quaillogistics/OiO08N6Bgvn0zzFA/_generated/favicon-dark/favicon-32x32.png\" media=\"(prefers-color-scheme: dark)\">\u003clink data-mint-head rel=\"shortcut icon\" type=\"image/x-icon\" href=\"/mintlify-assets/_mintlify/favicons/quaillogistics/OiO08N6Bgvn0zzFA/_generated/favicon-dark/favicon.ico\" media=\"(prefers-color-scheme: dark)\">\u003cmeta data-mint-head property=\"og:title\" content=\"Policy-aware Risk Score - DotLookup\">\u003cmeta data-mint-head property=\"og:description\" content=\"Compute a carrier risk score against caller-supplied policy thresholds\">\u003cmeta data-mint-head property=\"og:site_name\" content=\"DotLookup\">\u003cmeta data-mint-head property=\"og:url\" content=\"https://docs.dotlookup.dev/endpoints/risk-score\">\u003cmeta data-mint-head property=\"og:type\" content=\"website\">\u003cmeta data-mint-head property=\"og:image\" content=\"https://quaillogistics.mintlify.site/_mintlify/api/og/v2?division=Carriers\u0026amp;title=Policy-aware+Risk+Score\u0026amp;description=Compute+a+carrier+risk+score+against+caller-supplied+policy+thresholds\u0026amp;theme=b76d21ead88e0d22e177fb0b\u0026amp;signature=99ffffb4fc9aad122d8f3efd80aedf8eb0ba910c92159c913886041cabd44b48\">\u003cmeta data-mint-head property=\"og:image:width\" content=\"1200\">\u003cmeta data-mint-head property=\"og:image:height\" content=\"630\">\u003cmeta data-mint-head name=\"twitter:card\" content=\"summary_large_image\">\u003cmeta data-mint-head name=\"twitter:title\" content=\"Policy-aware Risk Score - DotLookup\">\u003cmeta data-mint-head name=\"twitter:description\" content=\"Compute a carrier risk score against caller-supplied policy thresholds\">\u003cmeta data-mint-head name=\"twitter:image\" content=\"https://quaillogistics.mintlify.site/_mintlify/api/og/v2?division=Carriers\u0026amp;title=Policy-aware+Risk+Score\u0026amp;description=Compute+a+carrier+risk+score+against+caller-supplied+policy+thresholds\u0026amp;theme=b76d21ead88e0d22e177fb0b\u0026amp;signature=99ffffb4fc9aad122d8f3efd80aedf8eb0ba910c92159c913886041cabd44b48\">\u003cmeta data-mint-head name=\"twitter:image:width\" content=\"1200\">\u003cmeta data-mint-head name=\"twitter:image:height\" content=\"630\">\u003cmeta data-mint-head name=\"msapplication-config\" content=\"/mintlify-assets/_mintlify/favicons/quaillogistics/OiO08N6Bgvn0zzFA/_generated/favicon/browserconfig.xml\">\u003cmeta data-mint-head name=\"apple-mobile-web-app-title\" content=\"DotLookup\">\u003cmeta data-mint-head name=\"msapplication-TileColor\" content=\"#10B981\">\u003clink data-mint-head rel=\"canonical\" href=\"https://docs.dotlookup.dev/endpoints/risk-score\">\u003clink data-mint-head rel=\"alternate\" type=\"application/xml\" href=\"/sitemap.xml\">\u003clink data-mint-head rel=\"alternate\" type=\"text/markdown\" href=\"/endpoints/risk-score.md\">\u003cscript data-mint-head type=\"application/ld+json\">{\"@context\":\"https://schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https://docs.dotlookup.dev/#organization\",\"name\":\"DotLookup\",\"url\":\"https://docs.dotlookup.dev\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https://mintcdn.com/quaillogistics/ECnf1n9k2ZWVOmkm/logo/light.svg?fit=max\u0026auto=format\u0026n=ECnf1n9k2ZWVOmkm\u0026q=85\u0026s=f0ce535398307241986b07b9ab75dc35\"}},{\"@type\":\"WebSite\",\"@id\":\"https://docs.dotlookup.dev#website\",\"name\":\"DotLookup\",\"url\":\"https://docs.dotlookup.dev\",\"publisher\":{\"@id\":\"https://docs.dotlookup.dev/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https://docs.dotlookup.dev/endpoints/risk-score#webpage\",\"url\":\"https://docs.dotlookup.dev/endpoints/risk-score\",\"name\":\"Policy-aware Risk 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