Business Logic APIs

Business logic APIs are reusable interfaces that expose a calculation, rule, or decision process so it can be called repeatedly by other systems. In EP 11: Growing Technology Footprints in Insurance Sector, Nick Blamer compares APIs to Lego blocks because the same insurance calculation can be reused across valuation, projections, underwriting, sales, and other workflows.

This concept extends API Product Design from developer-facing infrastructure into internal enterprise logic. The API is still a product surface, but the user may be another business system, an IT integration team, or a business unit that needs consistent access to governed logic.

Key Claims

• APIs make a calculation reusable only if the underlying logic has clear inputs, outputs, ownership, and governance.
• Insurance business logic often starts in spreadsheets, so Spreadsheet to API Governance can be one path into API reuse.
• Reuse reduces repeated requirement handoffs between business teams and IT, but it does not remove the need for production controls.
• APIs can connect actuarial, underwriting, sales, and enterprise systems when the calculation is stable enough to expose.
• Generative AI can use or assist API-connected workflows, but AI Governance And Compliance still determines whether the workflow is safe for production decisions.

Connections

• Nick Blamer, Coherent Spark, and Coherent - source and product context.
• Spreadsheet to API Governance, Microsoft Excel, and API Product Design - adjacent interface concepts.
• Insurance Technology Modernization - industry modernization frame.
• Actuary Data Scientist Partnership and Insurance Model Regulatory Constraint - accountability and regulated-use context.