Stere
Stere is a New York-based insurance infrastructure company (founded 2021) that lets insurers, MGAs, and distribution partners build and launch digital insurance products - rating, quoting, binding, policy issuance, claims, and premium payments - in weeks rather than years. Its core offering is a "Stere API-as-a-Service" underwriting API (insurers can bring their own API or have Stere build one) plus a separate Stere Unified API and Stere Distribution layer that let brokers, wholesalers, fintechs, and embedded partners reach multiple carriers/products through a single connection (API, SDK, and webhooks). Stere Claims handles FNOL and claims workflow (portions of claims assessment and resolution are marketed as in-development/coming soon), and Stere Pay / Stere Pay Later provides a buy-now-pay-later gateway for insurance premiums. There is no self-serve public developer portal, published API reference, OpenAPI/Swagger document, or sandbox signup on stere.io; the marketing site references a "Stere Docs," "API Changelog," and "API Status" area under /developer/, but those paths return 404 publicly and integration is provisioned per customer after a sales-led partner/insurer onboarding engagement. The APIs below are honestly modeled from Stere's own product marketing pages, not from a published API reference.
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 Stere the way a machine reads it — 7 machine-readable artifacts across 4 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 — Stere scores 14.7/100 (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 Stere
Each block below is one kind of artifact we hold for Stere. 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 4
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.
Stere Underwriting API
Stere's API-as-a-Service lets an insurer or MGA either bring its own existing underwriting API ("Bring-your-own-API") or have Stere build one, with rate, quote, bind, policy iss...
Stere Distribution API
Stere Distribution gives brokers, wholesalers, fintechs, and embedded partners "broad access to insurance products through a single API connection," delivered as an API, SDK, we...
Stere Claims API
Stere Claims covers First Notice of Loss (FNOL) intake with automated data enrichment today; claims processing against carrier-defined guidelines, automated assessment/decisioni...
Stere Pay Later API
Stere Pay Later is a buy-now-pay-later gateway that lets insurers and distribution partners offer policyholders installment payment plans for insurance premiums, integrated into...
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Stere Plans Pricing
PLANSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Stere Finops
FINOPSSecurity 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 Stere — 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 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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