Sonnet Insurance
Sonnet Insurance is a Canadian direct-to-consumer digital property and casualty insurer launched in 2016 and a member of the Definity family of companies, underwriting its own auto, home, condo, tenant, landlord and pet policies through Sonnet Insurance Company. It sells auto, home, condo, tenant and landlord coverage in Ontario, Quebec, New Brunswick, Nova Scotia and Prince Edward Island, and home-only coverage in British Columbia and Alberta, positioning itself as "Canada's original digital-first home and auto insurance company" with a fully online quote-and-buy flow and licensed agents for support. Sonnet is an explicit direct writer -- its own FAQ states that "a third party -- even a licensed broker -- cannot purchase a Sonnet policy on your behalf" -- so it operates no broker or agency distribution channel and therefore no ACORD/AL3 agency-download path. Its API posture is closed -- no developer, developers, docs or api subdomain resolves in DNS, every first-party developer path probed returns HTTP 404, and no OpenAPI, Swagger, GraphQL, Postman collection, webhook catalog or partner technical onboarding surface is published. The only third-party integrations Sonnet describes -- the Kanetix.ca (RATESDOTCA) quote-and-buy partnership and the Sonnet Connect brand referral program -- are privately negotiated commercial arrangements with no public technical documentation. Two machine-readable surfaces do exist and are captured here. Sonnet serves a real llms.txt at www.sonnet.ca/llms.txt that declares per-agent AI-Training, AI-Generation, AI-Summarization and AI-Crawling directives (Allow for OpenAI, Google-DeepMind and Anthropic) alongside a curated reference-content index -- an AI consent signal rather than an API contract. And the secure.sonnet.ca quote-and-buy application is driven by an undocumented first-party REST/JSON surface under /api/v1 covering quoting, binding, policy servicing, payments and identity; it is observable from Sonnet's own public JavaScript bundle but carries no documentation, no specification and no third-party terms of use, so it is recorded as observed evidence, not as an integratable API.
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 Sonnet Insurance 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 — Sonnet Insurance scores 17.2/100 (emerging), with a separate agent-readiness read of 3/100 (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 Sonnet Insurance
Each block below is one kind of artifact we hold for Sonnet 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.
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 Sonnet 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.
Get Started 2
Portal, sign-up, and the first successful call
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Access & Security 1
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 11
The organization behind the API
Scroll within the panel for all 11 ·
Other 5
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/sonnet-insurance · machine-readable index on apis.io