Kinro
Kinro is an AI-powered commercial insurance brokerage for small businesses, founded in the Y Combinator Spring 2026 batch and based in San Francisco. Its autonomous AI agents run the full broker workflow around the clock, from prospect identification and quote preparation through comparison, binding, and ongoing certificate and renewal servicing. Kinro targets the roughly 77% of the 36 million U.S. small businesses that are underinsured because traditional brokers cannot profitably serve low-premium accounts. It is licensed across 30 states, appointed by 15+ carriers with access to 50+ markets, and offers general liability, business owner's policies, workers' compensation, commercial auto and trucking, professional liability, cyber, and more. Kinro was surfaced as a Y Combinator portfolio company and enriched in the API Evangelist network; it currently publishes no public developer API surface.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles Kinro the way a machine reads it — 1 machine-readable artifact, 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 — Kinro scores 11.2/100 (minimal), with a separate agent-readiness read of 0/100 (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 Kinro
Each block below is one kind of artifact we hold for Kinro. 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 1
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 Kinro — 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.
Access & Security 1
Authentication, authorization, and security posture
Commercial 1
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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