API Evangelist Sector Report
The State of Australian Insurance APIs
20 Australian insurance organizations scored (avg 31.7) — the highest-scoring insurance market in the series, and the one that shows what a missing mandate costs: the CDR opened banking and energy, then stopped before insurance. The country has the legal machinery for open insurance and no live obligation, so a core-systems startup tops a market of national carriers.
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Australian Insurance
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
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20 providers
Developing 3 45–59.9 Real signal across most facets with visible, nameable gaps.
1
Evari Developing agent native Core Systems & Policy Administration
Evari is an insurance technology company founded in Sydney by Daniel Fogarty (former CEO of Zurich Australia and New Zealand), Robert Jeffery and Brack Norri...
Composite
56.3
Agent
64.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 56.3/100 · developing
Contract Quality
12.3 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
18.4 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
11.7 / 15
Agent readiness — 64/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
2
QBE Insurance Developing agent native P&C / General Insurers
QBE Insurance Group Limited is a Sydney-headquartered, ASX-listed global general insurance and reinsurance group, tracing back to 1886 in Townsville, Queensl...
Composite
50.1
Agent
65.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 50.1/100 · developing
Contract Quality
13.0 / 25
Developer Ergonomics
14.3 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
2.1 / 13
Governance
1.6 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
10.1 / 15
Agent readiness — 65/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
3
Open Developing agent native Insurtech & Digital-Native Insurers
Open Insurance Pty Limited (ABN 23 166 949 444, AFSL 451712), trading as Open, is an Australian insurtech and underwriting agency that packages car, home and...
Composite
48.2
Agent
69.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 48.2/100 · developing
Contract Quality
9.4 / 25
Developer Ergonomics
16.1 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
9.8 / 15
Agent readiness — 69/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
Thin 8 30–44.9 Limited machine-readable signal beyond documentation a human can read.
4
Steadfast Group Thin agent ready Brokers & Intermediaries
Steadfast Group Limited (ASX:SDF) is the largest general insurance broker network and the largest group of insurance underwriting agencies in Australasia, he...
Composite
39.1
Agent
57.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 39.1/100 · thin
Contract Quality
14.4 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
11.4 / 15
Agent readiness — 58/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
5
Codafication Thin agent aware Claims Technology
Codafication is a Brisbane, Australia insurtech founded in 2015 by Daniel Sandaver and Drew Butler out of a property claims and repair construction business,...
Composite
38.5
Agent
15.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 38.5/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
12.6 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
1.7 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Insurance
9.8 / 15
Agent readiness — 15/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
6
Cover Genius Thin agent ready Embedded Insurance & Distribution APIs
Cover Genius is an insurtech company providing embedded insurance and protection at the point of sale. The XCover distribution API lets partners create insur...
Composite
37.3
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.3/100 · thin
Contract Quality
15.1 / 25
Developer Ergonomics
4.3 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
3.9 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
7
Insurance Council of Australia Thin agent aware Market Bodies, Standards & Regulators
The Insurance Council of Australia (ICA) is the representative body for Australia's general insurance industry, whose members write approximately 90% of tota...
Composite
37.1
Agent
32.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.1/100 · thin
Contract Quality
4.7 / 25
Developer Ergonomics
8.7 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
11.4 / 15
Agent readiness — 33/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
8
APRA Thin agent aware Market Bodies, Standards & Regulators
The Australian Prudential Regulation Authority (APRA) is the Commonwealth statutory authority that prudentially supervises Australia's banks, credit unions, ...
Composite
35.0
Agent
16.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 35.0/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
4.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
11.7 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
9
PSC Insurance Thin agent aware Brokers & Intermediaries
PSC Insurance is an Australian insurance broking and intermediary group operating as PSC Insurance Brokers across every Australian state and territory, with ...
Composite
34.6
Agent
22.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 34.6/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
15.0 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
10
Bupa Australia Thin human only Life, Health & Benefits Insurers
Bupa Australia is the Australian market unit of the UK-headquartered Bupa group and one of the country's largest private health insurers, trading as Bupa HI ...
Composite
33.6
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 33.6/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Health
11.4 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
11
nib Thin agent aware Life, Health & Benefits Insurers
nib holdings limited (ASX:NHF), trading as nib, is an Australian private health insurer headquartered in Newcastle, New South Wales, and one of the country's...
Composite
31.7
Agent
16.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 31.7/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
13.4 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
Emerging 7 15–29.9 More than an index entry but still mostly links rather than artifacts.
12
HCF Emerging human only Life, Health & Benefits Insurers
HCF — The Hospitals Contribution Fund of Australia Limited (ABN 68 000 026 746, AFSL 241 414), founded in 1932 and headquartered in Sydney — is Australia's l...
Composite
28.9
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 28.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
13.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
13
Honey Insurance Emerging human only Insurtech & Digital-Native Insurers
Honey Insurance is an Australian direct-to-consumer insurtech selling smart home, contents, renters and landlord insurance, founded by Richard Joffe and head...
Composite
27.3
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 27.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.0 / 13
Governance
1.6 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
11.4 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
14
TAL Emerging agent aware Life, Health & Benefits Insurers
TAL is Australia's largest life insurer by inforce risk-only premium (NMG Consulting, 2023), owned by Japan's Dai-ichi Life Group and underwriting through TA...
Composite
26.8
Agent
21.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 26.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
4.7 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
10.1 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
15
Budget Direct Emerging human only P&C / General Insurers
Budget Direct is one of Australia's largest direct-to-consumer general insurance brands, operated from Toowong, Queensland by Auto & General Services Pty Ltd...
Composite
25.2
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 25.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
9.8 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
16
Youi Emerging human only P&C / General Insurers
Youi is an Australian general insurance carrier headquartered at Sippy Downs on the Queensland Sunshine Coast, authorised by APRA and operating under AFSL 31...
Composite
24.9
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 24.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
9.8 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
17
Medibank Emerging human only Life, Health & Benefits Insurers
Medibank Private Limited (ASX: MPL) is Australia's largest private health insurer, headquartered in Melbourne and operating two retail brands, Medibank and a...
Composite
23.6
Agent
3.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
6.2 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
18
Suncorp Group Emerging human only P&C / General Insurers
Suncorp Group Limited (ASX: SUN) is an Australian general insurance group headquartered in Brisbane, Queensland, serving customers across Australia and New Z...
Composite
17.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 17.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Minimal 2 0–14.9 Index entry only; little beyond a description and a link.
19
Insurance Australia Group Minimal human only P&C / General Insurers
Insurance Australia Group (IAG, ASX: IAG) is the largest general insurance company in Australia and New Zealand, headquartered in Sydney and operating a port...
Composite
13.0
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 13.0/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
5.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
20
Ensurance Minimal human only Insurtech & Digital-Native Insurers
Ensurance Limited (ASX:ENA) was an Australian ASX-listed insurance underwriting agency headquartered in Perth, Western Australia, marketing itself as "innova...
Composite
9.3
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 9.3/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
3.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3