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QBE Insurance

QBE Insurance Group Limited is a Sydney-headquartered, ASX-listed global general insurance and reinsurance group, tracing back to 1886 in Townsville, Queensland, and operating today across Australia Pacific, North America and International divisions including a Lloyd's of London syndicate. QBE writes commercial and personal property and casualty lines — property, liability, motor and compulsory third party (CTP), workers compensation, marine, aviation, trade credit, crop and specialty — distributed overwhelmingly through brokers and agents rather than direct to consumers. Its API posture reflects that distribution model and is partner-gated by design: QBE Australia runs a real, publicly browsable Azure API Management developer portal at connect.api-au.qbe.com whose catalogue, operations, schemas and examples can be read anonymously, but every product requires an approved subscription (approvalRequired true) and the broker API is keyed to named partner platforms. The portal exposes genuine quote, bind, endorse, renew, cancel and refer operations for the commercial policy lifecycle — the four real insurance verbs, minus claims/FNOL, which QBE does not expose publicly. A separate QBE North America partner API hub at partnerportal-api.qbena.com serves an empty Azure APIM catalogue to anonymous callers but does publish seven named API products in its own content pages — Quote, Bind, Master Liability, Property Inquiry, Zip Code Validate and Reconciliation and Cancellation for Renters, plus Quote for Homeowners — behind a documented client-id/secret to JWT token exchange; no endpoints or specs are exposed. QBE Hong Kong documents a partner API behind qbe.com pages that are bot-blocked to anonymous fetchers. Australia is the home market; the Consumer Data Right was designated for general insurance and then deferred, so nothing here is compelled by regulation.

agent native

Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.

Kin Score

API Evangelist profiles QBE Insurance the way a machine reads it — 11 machine-readable artifacts across 2 APIs, 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 — QBE Insurance scores 50.1/100 (developing), with a separate agent-readiness read of 65/100 (agent native). 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 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

How we profile QBE Insurance

Each block below is one kind of artifact we hold for QBE Insurance. 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.

APIs 2

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

QBE Australia ANZO Digital Brokers Experience API

QBE Australia's broker-facing policy lifecycle API, published in the QBE Australia API Hub as the "ANZO Digital Brokers" product. QBE describes it as providing "access to the in...

QBE Australia CTP Switch Service

A small QBE Australia service published in the same API Hub as the "ANZO CTP Service" product, supporting the compulsory third party (CTP) motor insurance switching flow. Two do...

Arazzo Workflows 4

Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.

Multi-step API workflows described with the Arazzo specification.

_Index

ARAZZO

QBE policy cancellation

Cancel an in-force QBE policy with a published cancellation reason code, confirm it, and attach the cancellation schedule.

ARAZZO

QBE mid-term endorsement, confirmed

Open a mid-term endorsement on an in-force QBE policy, confirm it with a bind, and attach the endorsement schedule.

ARAZZO

QBE quote to bound policy

Create a commercial quote with QBE Australia, amend it, then convert it into a bound policy.

ARAZZO

MCP Servers 1

Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.

Model Context Protocol servers that expose these APIs to AI agents.

Security Posture 3

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.

Qbe Authentication

apiKey · 2 schemes

SECURITY

Qbe Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Qbe Vulnerability Disclosure

Hackerone · contact published

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Qbe Agentic Access

17 operations · 15 acting

17 operations · 15 acting

AGENTIC

Resources

Every other property we hold for QBE Insurance — 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.

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Build 3

SDKs, sample code, and the tooling you integrate with

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 1

The organization behind the API

← All providers · Data indexed from github.com/api-evangelist/qbe · machine-readable index on apis.io