API Evangelist Sector Report
The State of UK Insurance APIs
35 UK insurance organizations scored (avg 28.2) — and the one genuine surprise in the series: a 337-year-old subscription market, not a regulator, produced the only working data standard and public APIs in global insurance. A Lloyd's syndicate out-publishes every US software vendor, and ACORD lives in London rather than the country that wrote it.
Read the report →
$500
· PDF + Word, instant download
UK Insurance
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
search
35 providers
Developing 4 45–59.9 Real signal across most facets with visible, nameable gaps.
1
Beazley Developing agent native P&C / General Insurers
Beazley plc is a London-headquartered specialty insurer and one of the largest managing agents at Lloyd's of London, underwriting through Lloyd's syndicates ...
Composite
53.1
Agent
72.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 53.1/100 · developing
Contract Quality
11.8 / 25
Developer Ergonomics
12.2 / 20
Commercial Clarity
16.3 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Securities & Market Data
9.8 / 15
Agent readiness — 72/100 · 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
2
Whitespace Developing agent native Market Bodies, Standards & Regulators
Whitespace Software Limited is a London-based digital placing platform for the Lloyd's and London (re)insurance market, and one of only two electronic placin...
Composite
51.5
Agent
71.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 51.5/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
16.1 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
3.8 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
8.1 / 15
Agent readiness — 71/100 · 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
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
3
Towers Watson Developing agent ready Brokers & Intermediaries
Towers Watson was a global professional services company that provided risk management, actuarial, human capital, and investment consulting services before m...
Composite
48.2
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 48.2/100 · developing
Contract Quality
16.2 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
4.8 / 13
Governance
10.4 / 12
Discoverability
8.8 / 10
Regulatory · Insurance
5.6 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
4
PPL Developing agent native Market Bodies, Standards & Regulators
PPL (Placing Platform Limited) is the London Market's not-for-profit electronic placing platform, incorporated in England and Wales in 2013 and trading since...
Composite
47.6
Agent
77.9
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 47.6/100 · developing
Contract Quality
9.4 / 25
Developer Ergonomics
15.7 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Securities & Market Data
11.4 / 15
Agent readiness — 78/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 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
4 / 4
Consent & Bot Identity
0 / 3
Thin 11 30–44.9 Limited machine-readable signal beyond documentation a human can read.
5
Ripe Insurance Thin agent native Insurtech & Digital-Native Insurers
Ripe Insurance Services Limited, trading as Ripe and part of Ripe Thinking Limited, is a Stockport-based United Kingdom digital Managing General Agent and sp...
Composite
39.2
Agent
69.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 39.2/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
6.5 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
11.4 / 15
Agent readiness — 69/100 · 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
4 / 4
Consent & Bot Identity
0 / 3
6
Ki Insurance Thin agent native Underwriting AI & Submission Ingestion
Ki is the first fully digital, algorithmically driven syndicate at Lloyd's of London, launched in 2020 out of Brit with Google Cloud and University College L...
Composite
38.5
Agent
69.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 38.5/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
5.7 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
11.4 / 15
Agent readiness — 69/100 · 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
4 / 4
Consent & Bot Identity
0 / 3
7
Bupa Thin human only Life, Health & Benefits Insurers
Bupa is a United Kingdom headquartered international healthcare group that writes private medical insurance and also runs the clinics, dental practices, hosp...
Composite
36.2
Agent
9.6
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 36.2/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Health
10.1 / 15
Agent readiness — 10/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
8
Cuvva Thin agent aware Insurtech & Digital-Native Insurers
Cuvva is a UK insurtech that pioneered flexible, short-term car and van insurance sold entirely through its mobile apps. Founded in 2015 as the first app to ...
Composite
36.1
Agent
17.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 36.1/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
9.1 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
13.4 / 15
Agent readiness — 17/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 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
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
9
Zego Thin agent aware Insurtech & Digital-Native Insurers
Zego is an FCA-regulated UK insurtech providing flexible, technology-driven motor and public-liability insurance built for the gig economy. Its telematics ap...
Composite
35.9
Agent
23.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 35.9/100 · thin
Contract Quality
15.9 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
6.5 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
10
Artificial Labs Thin human only Underwriting AI & Submission Ingestion
Artificial Labs is a London-based insurance technology company building algorithmic and digital underwriting software for the specialty and reinsurance marke...
Composite
35.4
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 35.4/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
15.0 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
11
Hiscox Thin human only P&C / General Insurers
Hiscox Ltd is a diversified international specialist insurance and reinsurance group with roots in the Lloyd's of London market dating to 1901, domiciled in ...
Composite
34.9
Agent
9.6
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 34.9/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 10/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
12
Lloyd's of London Thin agent aware Market Bodies, Standards & Regulators
Lloyd's of London is the world's specialist insurance and reinsurance market, operating as a regulated marketplace rather than as a carrier: the Corporation ...
Composite
33.4
Agent
30.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 33.4/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
6.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Securities & Market Data
13.4 / 15
Agent readiness — 31/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
7 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
13
Cytora Thin human only Underwriting AI & Submission Ingestion
Cytora is a London-headquartered insurtech, founded in 2012 as a University of Cambridge spinout, that sells a digital risk processing platform to commercial...
Composite
33.1
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 33.1/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
11.7 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
14
INSTANDA Thin human only Core Systems & Policy Administration
INSTANDA is a London-headquartered no-code insurance core-systems vendor, trading as F2X Group Limited (England and Wales no. 05236974) from 70 Gracechurch S...
Composite
32.3
Agent
5.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 32.3/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
7.8 / 15
Agent readiness — 6/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
15
Financial Conduct Authority Thin agent aware Market Bodies, Standards & Regulators
The Financial Conduct Authority (FCA) is the United Kingdom's conduct regulator for around 42,000 financial services firms and the prudential regulator for m...
Composite
30.6
Agent
27.9
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 30.6/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
8.3 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 28/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
Emerging 18 15–29.9 More than an index entry but still mostly links rather than artifacts.
16
Aviva plc Emerging agent aware P&C / General Insurers
Aviva plc is the United Kingdom's largest insurer and one of the ten biggest insurance groups in Europe, listed on the London Stock Exchange and serving roug...
Composite
27.4
Agent
20.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 27.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Securities & Market Data
8.1 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
17
Marshmallow Emerging human only Insurtech & Digital-Native Insurers
Marshmallow is a London-headquartered UK insurtech founded in 2017 by twins Alexander and Oliver Kent-Braham with engineer David Goate, built around a single...
Composite
27.2
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 27.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
13.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
18
Legal & General Emerging human only Life, Health & Benefits Insurers
Legal & General Group plc is a FTSE 100 United Kingdom life insurer, retirement and institutional asset manager headquartered in London and regulated by the ...
Composite
26.3
Agent
4.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 26.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
8.1 / 15
Agent readiness — 5/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 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
19
RSA Insurance Emerging human only P&C / General Insurers
RSA Insurance is a British property and casualty insurer whose lineage runs back to the Sun Fire Office of 1710, making it one of the oldest general insuranc...
Composite
26.3
Agent
9.6
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 26.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
7.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
9.8 / 15
Agent readiness — 10/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
20
Vitality Emerging agent aware Life, Health & Benefits Insurers
Vitality is a United Kingdom health and life insurer, operating as VitalityHealth and VitalityLife under the Vitality umbrella brand and owned by the South A...
Composite
26.0
Agent
21.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 26.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
11.4 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 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
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
21
By Miles Emerging human only Insurtech & Digital-Native Insurers
By Miles is a London-based insurtech that pioneered pay-by-mile motor insurance in the United Kingdom, founded in 2016 for low-mileage drivers who cover unde...
Composite
25.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 25.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
9.8 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
22
Open GI Emerging human only Agency & Brokerage Technology
Open GI is a Worcester-headquartered insurance software house that has supplied the UK and Ireland general insurance market for more than 45 years, serving o...
Composite
23.9
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Securities & Market Data
7.8 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
23
Send Technology Emerging human only Underwriting AI & Submission Ingestion
Send Technology Solutions Ltd is a London-headquartered insurtech software company, founded in 2017, that builds an underwriting workbench for commercial and...
Composite
22.0
Agent
3.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 22.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
5.3 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
8.5 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
24
Howden Group Emerging human only Brokers & Intermediaries
Howden Group Holdings is a London-headquartered, employee-owned international insurance intermediary founded in 1994, operating across retail insurance broki...
Composite
21.2
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 21.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
8.1 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
25
Admiral Group Emerging human only P&C / General Insurers
Admiral Group plc is a FTSE 100 personal-lines insurance group headquartered in Cardiff, Wales, and listed on the London Stock Exchange since 2004. Its home ...
Composite
20.3
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 20.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
6.5 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
26
Yulife Emerging human only Employee Benefits Administration
YuLife is a London-founded (2016) technology-driven insurtech and employee benefits platform offering group life insurance, group health insurance, income pr...
Composite
19.8
Agent
3.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 19.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
6.2 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
27
Convex Emerging human only P&C / General Insurers
Convex Group Limited is an international specialty insurer and reinsurer founded in 2019 by Stephen Catlin and Paul Brand, headquartered in London with opera...
Composite
19.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 19.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
28
Urban Jungle Emerging human only Insurtech & Digital-Native Insurers
Urban Jungle Services Ltd is a London-based direct-to-consumer insurtech, founded in 2016 by Jimmy Williams and Greg Smyth to sell home insurance to "Generat...
Composite
18.9
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 18.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
29
Direct Line Group Emerging human only P&C / General Insurers
Direct Line Group is a United Kingdom personal-lines and small-commercial general insurance carrier, founded in 1985 as the UK's first telephone-only motor i...
Composite
17.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 17.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
30
Prudential plc Emerging human only Life, Health & Benefits Insurers
Prudential plc is a life and health insurance and asset management group incorporated in England and Wales and listed on the London, Hong Kong, Singapore and...
Composite
16.5
Agent
3.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 16.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
6.2 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
31
Acturis Emerging human only Agency & Brokerage Technology
Acturis is a United Kingdom insurance software company founded in 2000 by David McDonald and Theo Duchen, operating the UK's leading multi-tenant SaaS platfo...
Composite
15.8
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 15.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
6.5 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
32
Concirrus Emerging human only Risk Data & Analytics
Concirrus Ltd is a London-headquartered insurtech founded in 2012 that builds AI-driven underwriting software for the specialty and commercial insurance mark...
Composite
15.8
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 15.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
6.5 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
33
Superscript Emerging human only Insurtech & Digital-Native Insurers
Superscript is a UK- and Netherlands-based business insurance provider offering flexible, subscription-based cover for small and growing businesses, sole tra...
Composite
15.0
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 15.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Minimal 2 0–14.9 Index entry only; little beyond a description and a link.
34
Aon Minimal human only Brokers & Intermediaries
Aon plc is a London-headquartered global professional services firm delivering integrated risk and human capital advisory through two reporting pillars — Ris...
Composite
10.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 10.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Health
3.9 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
35
Tractable Minimal human only Claims Technology
Tractable is a London-headquartered artificial intelligence company founded in 2014 by Alexandre Dalyac, Razvan Ranca, and Adrien Cohen that applies computer...
Composite
8.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 8.1/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3