Definity Financial
Definity Financial Corporation is a Canadian property and casualty insurance group headquartered in Waterloo, Ontario and listed on the Toronto Stock Exchange (DFY). It is the demutualized successor to Economical Mutual Insurance Company, founded in 1871 in Berlin (now Kitchener), Ontario; policyholders approved demutualization in May 2021 and the company completed its IPO in November 2021, renaming the operating carrier Definity Insurance Company. Definity underwrites personal and commercial property, automobile, farm, and pet lines across Canada through four brands: Economical (broker-distributed home, auto, farm and business insurance), Sonnet (described by the company as the largest fully digital direct-to-consumer insurance business in Canada), Family Insurance Solutions, and Petline/Petsecure (pet insurance). It is one of the Big Few Canadian P&C carriers and reported roughly $6.3B in gross written premiums on a trailing-twelve-month pro-forma basis including its Travelers Canada acquisition. Its API posture is partner-gated and honest to state plainly: Definity publishes no public, self-serve developer portal and no downloadable OpenAPI, Swagger, GraphQL, or AsyncAPI definition on any first-party host. Every developer-shaped subdomain of definityfinancial.com fails to resolve, an api.definity.com host exists behind Imperva but answers HTTP 404 with an empty body to every anonymous path including OAuth and OpenID discovery, and the only reachable broker surface, broker.economical.com, is a Docebo learning management system for broker training rather than an API reference. The gated API is nonetheless real and independently attested: CSIO, Canada's property-and-casualty data-standards body and the domestic counterpart to ACORD, certified Definity against its API Security Standards on 27 November 2024 — the industry's standard authentication and authorization API model for insurer-to-broker-management-system connectivity, requiring confirmed mitigation of 16 OAuth security concerns and 18 API endpoint concerns — and Definity is additionally CSIO eDocs Certified and Compliance Certified (all non-standard Z-Codes eliminated from broker data exchange). Its Vyne broker digital platform runs on Guidewire Cloud, which Definity was the first Canadian P&C insurer to adopt for its core insurance platform. Two brands, Sonnet and Economical, publish real hand-authored llms.txt documents with explicit AI-training, generation, summarization and crawling directives, including named directives for OpenAI, Google-DeepMind and Anthropic. All of this sits in a Canadian market where OSFI supervises prudentially, the provinces regulate conduct, and Consumer-Driven Banking excludes insurance entirely, so no open-insurance mandate forces a public API surface and standardization is industry-led through CSIO instead.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Definity Financial the way a machine reads it — 2 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Definity Financial scores 26.4/100 (emerging), with a separate agent-readiness read of 14/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Definity Financial
Each block below is one kind of artifact we hold for Definity Financial. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Definity Financial — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 6
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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