canopy-insurance

Canopy Insurance Verification — QCR Integration

Overview

• Provider: Canopy (canopyconnect.com) — insurance verification API
• Integration target: QuikCarRental (QCR)
• This was the last missing piece for QCR go-live

Economics

• Cost per verification: $2 (Quik Nation pays)
• Fee charged to customer: $3.99 per verification
• Margin: ~$1.99 per verification (~50%)

Scope

• Verify insurance for EVERY renter, even if they buy insurance through QCR
• Mandatory step in rental flow — no verified insurance = no rental
• Both personal insurance verification AND QCR-purchased insurance must go through Canopy

Timeline

• Sandbox API docs arriving: 2026-03-11 (from Canopy)
• Integration deadline: Friday 2026-03-14 (integrated into QCR)
• QCR go-live: April 1, 2026 (FIRM)

Technical Notes

• Sandbox environment available for testing
• Will need SSM parameter: /quik-nation/qcr/CANOPY_API_KEY (once received)
• Integration point: rental booking flow, before payment step
• Must store verification result with rental record for compliance

Status

• Receive sandbox API docs from Canopy (2026-03-11)
• Create backend integration (GraphQL mutation + Canopy API client)
• Add insurance verification step to rental booking flow (frontend + mobile)
• Test in sandbox
• Deploy to develop for tester verification
• Production deploy before April 1