API Evangelist Sector Report
The State of US Insurance APIs
79 US insurance companies scored (avg 29.2) — the market where ACORD wrote the standard and almost nobody implements it as an API. The vendors and risk-data monopolies out-publish every carrier they sell to, the insurtechs score no better than the incumbents they were founded to disrupt, and not one company in the sector reaches Exemplar.
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US 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
79 providers
Strong 2 60–69.9 Solid contracts, transparent operations, and an easy start.
1
Cigna Strong agent ready Life, Health & Benefits Insurers
Cigna Healthcare is a leading global health services company offering medical, dental, behavioral, and pharmacy plans for individuals, families, and employer...
Composite
62.0
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 62.0/100 · strong
Contract Quality
12.4 / 25
Developer Ergonomics
7.0 / 20
Commercial Clarity
13.7 / 20
Operational Transparency
3.4 / 13
Governance
8.8 / 12
Discoverability
10.0 / 10
Regulatory · Health
15.0 / 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
2
Verisk Strong agent ready Risk Data & Analytics
Verisk (formerly ISO) is a leading data analytics and technology company serving the insurance, energy, and financial services industries. Verisk provides ri...
Composite
60.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 60.5/100 · strong
Contract Quality
19.9 / 25
Developer Ergonomics
9.1 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
3.4 / 13
Governance
10.4 / 12
Discoverability
8.8 / 10
Regulatory · Insurance
8.1 / 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
Developing 17 45–59.9 Real signal across most facets with visible, nameable gaps.
3
Origami Risk Developing agent native Core Systems & Policy Administration
Origami Risk is a Chicago-headquartered risk, safety and insurance SaaS company founded in 2009 that began as a single-version cloud RMIS (risk management in...
Composite
57.8
Agent
63.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 57.8/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
5.8 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Insurance
9.8 / 15
Agent readiness — 64/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 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
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
4
Duck Creek Developing agent ready Core Systems & Policy Administration
The path forward to competing today and in the future requires an open platform designed to sit at the center of your P&C solutions – and seamlessly.
Composite
57.4
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 57.4/100 · developing
Contract Quality
16.3 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
11.6 / 20
Operational Transparency
2.7 / 13
Governance
8.8 / 12
Discoverability
7.5 / 10
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
5
ACORD Developing agent ready Market Bodies, Standards & Regulators
ACORD is a global standards-setting body for the insurance industry, providing data standards, reference architecture, and digital tools that enable insurers...
Composite
56.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 56.5/100 · developing
Contract Quality
20.1 / 25
Developer Ergonomics
9.1 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.7 / 13
Governance
10.4 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
8.8 / 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
6
Ascend Developing agent native Agency & Brokerage Technology
Ascend is a financial operations platform built for the insurance industry, offering AI-powered accounting automation, payments, and premium financing in a s...
Composite
55.8
Agent
71.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 55.8/100 · developing
Contract Quality
14.7 / 25
Developer Ergonomics
14.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
4.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
11.7 / 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
7
Aflac Developing agent ready Life, Health & Benefits Insurers
Aflac is America's leading provider of supplemental insurance, offering products that pay benefits when a policyholder experiences an accident, illness, or i...
Composite
55.7
Agent
54.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 55.7/100 · developing
Contract Quality
17.9 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
3.4 / 13
Governance
10.4 / 12
Discoverability
8.8 / 10
Agent readiness — 55/100 · 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
7 / 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
8
CoreLogic (Cotality) Developing agent ready Risk Data & Analytics
CoreLogic — rebranded as Cotality in 2025 — is a property data and analytics company providing real estate, mortgage, tax, hazard, and climate-risk informati...
Composite
55.7
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 55.7/100 · developing
Contract Quality
15.6 / 25
Developer Ergonomics
9.1 / 20
Commercial Clarity
14.7 / 20
Operational Transparency
4.8 / 13
Governance
4.7 / 12
Discoverability
6.8 / 10
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
9
At-Bay Developing agent ready Cyber & Specialty Risk
At-Bay is an InsurSec company that combines cyber insurance with proactive security monitoring for businesses. Headquartered in New York with offices in San ...
Composite
53.8
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 53.8/100 · developing
Contract Quality
18.2 / 25
Developer Ergonomics
7.0 / 20
Commercial Clarity
10.5 / 20
Operational Transparency
0.7 / 13
Governance
10.4 / 12
Discoverability
10.0 / 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
10
Ease Developing agent native Employee Benefits Administration
Ease (legally Enrollease, Inc., San Francisco, with offices in Las Vegas and Omaha) is a United States benefits administration and HR platform sold through i...
Composite
53.5
Agent
70.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 53.5/100 · developing
Contract Quality
16.8 / 25
Developer Ergonomics
7.8 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
5.5 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
9.8 / 15
Agent readiness — 70/100 · agent native
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
8 / 8
Request/Response Examples
7 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
11
State Farm Developing agent ready P&C / General Insurers
State Farm is the largest property and casualty insurance provider in the United States, headquartered in Bloomington, Illinois. Founded in 1922, the company...
Composite
53.4
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 53.4/100 · developing
Contract Quality
17.6 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
3.4 / 13
Governance
10.4 / 12
Discoverability
8.0 / 10
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
12
Travelers Developing agent ready P&C / General Insurers
Travelers is one of the largest property casualty insurance companies in the United States and a Fortune 500 company. Through their developer portal, Travele...
Composite
52.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 52.5/100 · developing
Contract Quality
17.7 / 25
Developer Ergonomics
5.7 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
8.8 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
8.8 / 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
13
Socotra Developing agent native Core Systems & Policy Administration
Socotra is a cloud-native insurance core platform that lets carriers, MGAs, and program administrators configure, launch, and operate insurance products acro...
Composite
52.3
Agent
72.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 52.3/100 · developing
Contract Quality
11.1 / 25
Developer Ergonomics
17.4 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
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
9 / 9
Stable Error Semantics
0 / 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
14
Unum Developing agent ready Life, Health & Benefits Insurers
Unum Group is a leading provider of financial protection benefits including disability insurance, life insurance, dental insurance, vision insurance, and cri...
Composite
52.0
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 52.0/100 · developing
Contract Quality
17.3 / 25
Developer Ergonomics
6.1 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
8.8 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
8.8 / 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
15
Majesco Developing agent ready Core Systems & Policy Administration
Majesco is a global leader of cloud insurance software solutions for insurance business transformation, helping insurance carriers innovate, modernize, and a...
Composite
51.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 51.5/100 · developing
Contract Quality
18.4 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
4.1 / 13
Governance
8.8 / 12
Discoverability
6.8 / 10
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
16
Solera Developing agent native Claims Technology
Solera is a Westlake, Texas headquartered vehicle lifecycle management software, data, and services company operating in more than 100 countries, and one of ...
Composite
50.0
Agent
75.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 50.0/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
3.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
11.4 / 15
Agent readiness — 75/100 · 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
4 / 4
Consent & Bot Identity
0 / 3
17
Noyo Developing agent ready Employee Benefits Administration
Noyo operates benefits data infrastructure that automates the exchange of employee benefits enrollment data between benefits administration platforms, broker...
Composite
49.0
Agent
56.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 49.0/100 · developing
Contract Quality
14.2 / 25
Developer Ergonomics
13.9 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
3.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Health
8.1 / 15
Agent readiness — 57/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 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
18
Guidewire Developing agent ready Core Systems & Policy Administration
Guidewire provides the insurance industry's leading platform including PolicyCenter, ClaimCenter, and BillingCenter. REST APIs enable policy lifecycle manage...
Composite
47.9
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 47.9/100 · developing
Contract Quality
18.8 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
7.3 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
8.8 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
19
Coalition Developing agent aware Cyber & Specialty Risk
Coalition is a San Francisco–headquartered cyber insurance and active risk management provider founded in 2017 by Joshua Motta (CEO) and John Hering. Coaliti...
Composite
45.1
Agent
38.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 45.1/100 · developing
Contract Quality
16.6 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
5.5 / 13
Governance
7.3 / 12
Discoverability
8.0 / 10
Regulatory · Insurance
5.6 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Thin 17 30–44.9 Limited machine-readable signal beyond documentation a human can read.
20
Moody's RMS Thin agent native Risk Data & Analytics
Moody's RMS is the catastrophe risk modeling and risk-data business of Moody's Corporation, headquartered in Newark, California in its home market of the Uni...
Composite
44.5
Agent
74.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 44.5/100 · thin
Contract Quality
10.1 / 25
Developer Ergonomics
13.9 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
5.8 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Insurance
8.1 / 15
Agent readiness — 74/100 · 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
0 / 4
Consent & Bot Identity
0 / 3
21
Extend Thin agent aware Embedded Insurance & Distribution APIs
Extend is a product and shipping protection platform for merchants and ecommerce brands. Its API lets merchants surface extended-warranty and shipping-protec...
Composite
44.1
Agent
39.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 44.1/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
5.8 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
8.1 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 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
4 / 4
Consent & Bot Identity
0 / 3
22
Humana Thin agent ready Life, Health & Benefits Insurers
Humana is a U.S. health insurance company that provides Medicare, Medicaid, and employer-sponsored health insurance plans, along with wellness programs and h...
Composite
43.6
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 43.6/100 · thin
Contract Quality
12.8 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Health
6.5 / 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
23
Gusto Thin agent ready Employee Benefits Administration
A cloud-based payroll, benefits, and human resources platform designed for small and medium-sized businesses. Gusto Embedded enables platforms to integrate p...
Composite
43.4
Agent
47.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 43.4/100 · thin
Contract Quality
15.8 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Agent readiness — 47/100 · 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
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
24
Elevance Health Thin agent ready Life, Health & Benefits Insurers
Elevance Health (formerly Anthem) is a Fortune 500 health benefits company that serves members through Blue Cross and Blue Shield affiliated health plans acr...
Composite
40.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 40.5/100 · thin
Contract Quality
12.8 / 25
Developer Ergonomics
5.7 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Health
7.2 / 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
25
LexisNexis Risk Solutions Thin agent aware Risk Data & Analytics
LexisNexis Risk Solutions is the risk-data and analytics arm of RELX, headquartered in Alpharetta, Georgia, and one of the small number of intermediaries tha...
Composite
39.3
Agent
16.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 39.3/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Insurance
11.7 / 15
Agent readiness — 16/100 · 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
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
26
NAIC Thin agent native Market Bodies, Standards & Regulators
The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief...
Composite
38.6
Agent
72.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 38.6/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
8.1 / 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
7 / 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
27
CCC Intelligent Solutions Thin agent aware Claims Technology
CCC Intelligent Solutions (CCCIS, NASDAQ CCCS) is a Chicago-headquartered cloud software company that sits between US property and casualty insurance carrier...
Composite
38.0
Agent
21.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 38.0/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
13.1 / 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
28
AIG Thin human only P&C / General Insurers
American International Group, Inc. (AIG) is a global insurance organization founded in 1919 and operating in over 200 countries and jurisdictions. AIG provid...
Composite
37.9
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.9/100 · thin
Contract Quality
3.8 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
2.7 / 13
Governance
8.8 / 12
Discoverability
8.0 / 10
Regulatory · Insurance
6.2 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
29
Boost Insurance Thin agent ready Embedded Insurance & Distribution APIs
Boost Insurance is an insurance-as-a-service / embedded-insurance infrastructure platform that packages compliance, capital, and technology into a turnkey, w...
Composite
37.9
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.9/100 · thin
Contract Quality
13.7 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
7.2 / 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
30
Agentsync Thin human only Agency & Brokerage Technology
AgentSync builds modern insurance compliance infrastructure that connects carriers, agencies, MGAs, and producers. Its ProducerSync API is a REST API deliver...
Composite
37.3
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.3/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
8.3 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
9.8 / 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
31
USAA Thin agent aware P&C / General Insurers
USAA (United Services Automobile Association) is a Fortune 100 financial services group offering banking, investing, and insurance products exclusively to pe...
Composite
36.3
Agent
23.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 36.3/100 · thin
Contract Quality
3.8 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
4.8 / 13
Governance
8.8 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
7.5 / 15
Agent readiness — 23/100 · 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
3 / 3
32
Archipelago Thin human only Risk Data & Analytics
Archipelago is a San Francisco-based insurtech company, founded in 2018, that operates an AI-powered platform and agent for property and casualty (P&C) insur...
Composite
35.4
Agent
9.6
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
10.4 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
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
33
Pie Insurance Thin agent aware Insurtech & Digital-Native Insurers
Pie Insurance is a Washington, DC and Denver-based insurtech founded in May 2017 that makes commercial insurance for small businesses, with workers' compensa...
Composite
35.2
Agent
41.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 35.2/100 · thin
Contract Quality
10.8 / 25
Developer Ergonomics
6.1 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
6.5 / 15
Agent readiness — 41/100 · agent aware
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
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
34
Arthur J. Gallagher Thin agent aware Brokers & Intermediaries
Arthur J. Gallagher & Co. is a global insurance brokerage, risk management, and consulting firm headquartered in Rolling Meadows, Illinois. The company provi...
Composite
34.0
Agent
38.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 34.0/100 · thin
Contract Quality
12.8 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Securities & Market Data
2.0 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
35
Progressive Thin agent ready P&C / General Insurers
The Progressive Corporation is one of the largest providers of car insurance in the United States, also offering personal and commercial auto, home, renters,...
Composite
33.7
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 33.7/100 · thin
Contract Quality
12.6 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
3.9 / 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
36
Resilience Thin human only Cyber & Specialty Risk
Resilience is a United States cyber-risk company that underwrites cyber insurance and technology errors-and-omissions coverage while running the security ana...
Composite
32.4
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 32.4/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Securities & Market Data
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
Emerging 27 15–29.9 More than an index entry but still mostly links rather than artifacts.
37
Lemonade Emerging human only Insurtech & Digital-Native Insurers
Lemonade, Inc. is an American insurance company. The company offers renters, homeowners, car, pet, and term life insurance in the United States, as well as c...
Composite
29.9
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 29.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
4.8 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
38
Liberty Mutual Insurance Emerging agent aware P&C / General Insurers
Liberty Mutual Insurance Group is one of the largest global property and casualty insurers, headquartered in Boston, Massachusetts. The company offers a wide...
Composite
29.0
Agent
38.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 29.0/100 · emerging
Contract Quality
12.6 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
2.0 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
39
Sure Emerging agent aware Embedded Insurance & Distribution APIs
Sure is an embedded insurance platform providing purpose-built REST APIs for distributing insurance products through digital channels. The platform enables b...
Composite
28.7
Agent
24.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 28.7/100 · emerging
Contract Quality
9.4 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Payments
2.0 / 15
Agent readiness — 24/100 · 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
40
Prudential Financial Emerging agent aware Life, Health & Benefits Insurers
Prudential Financial, Inc. is a global financial services company offering insurance, retirement planning, investment management, and other financial product...
Composite
28.1
Agent
38.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 28.1/100 · emerging
Contract Quality
13.1 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
2.0 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
41
Reinsurance Group of America Emerging human only Reinsurance
Reinsurance Group of America (RGA) is a leading global provider of life and health reinsurance and financial solutions, serving clients in more than 70 count...
Composite
27.2
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 27.2/100 · emerging
Contract Quality
3.8 / 25
Developer Ergonomics
1.7 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
4.8 / 13
Governance
1.6 / 12
Discoverability
8.0 / 10
Regulatory · Insurance
3.6 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
42
Applied Systems Emerging human only Agency & Brokerage Technology
Applied Systems is a leading global provider of cloud-based software for the business of insurance, best known for the Applied Epic agency management system ...
Composite
23.6
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Insurance
2.0 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
43
Branch Emerging human only Insurtech & Digital-Native Insurers
Branch is a Columbus, Ohio insurtech that bundles home and auto insurance (with optional umbrella coverage) and issues policies in seconds from just a name a...
Composite
23.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
8.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 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
44
Kalepa Emerging human only Underwriting AI & Submission Ingestion
Kalepa is a New York–headquartered insurtech founded in 2018 by Paul Monasterio and Daniel Hillman that builds Copilot, an AI underwriting workbench sold to ...
Composite
23.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
6.3 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
8.5 / 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
45
Chubb Emerging human only P&C / General Insurers
Chubb Limited is the world's largest publicly traded property and casualty (P&C) insurance company, serving consumers, small businesses, and multinational co...
Composite
23.3
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Insurance
4.6 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
46
Kin Insurance Emerging human only Insurtech & Digital-Native Insurers
Kin Insurance is a direct-to-consumer home insurance platform founded in 2016 that leverages data and artificial intelligence to provide homeowners insurance...
Composite
22.5
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 22.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
2.0 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
47
Sana Benefits Emerging human only Employee Benefits Administration
Sana Benefits is an Austin, Texas health benefits company founded in 2017 that sells level-funded and self-funded small-group health plans to small and midsi...
Composite
21.8
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 21.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 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
48
EIS Group Emerging human only Core Systems & Policy Administration
EIS Group (EIS Ltd) is a United States core-systems vendor for insurance, founded in 2008 out of Exigen Insurance Solutions and headquartered in San Francisc...
Composite
21.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 21.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
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
49
Openly Emerging human only Insurtech & Digital-Native Insurers
Openly is an independent agent home insurance platform founded in 2017 and headquartered in Boston, Massachusetts. The company provides REST APIs for generat...
Composite
20.7
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 20.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
2.0 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
50
Newfront Emerging human only Agency & Brokerage Technology
Newfront is a modern business insurance brokerage and technology company headquartered in San Francisco. It combines a traditional insurance brokerage (comme...
Composite
20.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 20.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.4 / 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
51
Root Insurance Emerging human only Insurtech & Digital-Native Insurers
Root is a U.S. app-first auto insurer that prices policies primarily on real driving behavior captured by smartphone telematics. The Root mobile app handles ...
Composite
19.4
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 19.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Insurance
3.9 / 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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
52
Federato Emerging human only Underwriting AI & Submission Ingestion
Federato is an AI-native insurance technology platform built for the full policy lifecycle, from submission through policyholder management. Its RiskOps-styl...
Composite
19.3
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 19.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
5.8 / 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
53
Vertafore Emerging human only Agency & Brokerage Technology
Vertafore is an insurance technology provider whose software runs a large share of the North American property and casualty distribution channel - agency man...
Composite
19.0
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 19.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 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
54
Clearcover Emerging human only Insurtech & Digital-Native Insurers
Clearcover is a digital-first auto insurance company that offers customizable, affordable car insurance backed by AI-assisted claims that can resolve eligibl...
Composite
18.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 18.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 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
55
Ebix Emerging human only Market Bodies, Standards & Regulators
Ebix is a United States insurance software and exchange company headquartered in Johns Creek, Georgia, operating as market infrastructure between carriers, M...
Composite
18.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 18.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 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
56
Lockton Emerging human only Brokers & Intermediaries
Lockton Companies is the world's largest privately held, independent insurance brokerage, founded by Jack Lockton in 1966 and headquartered in Kansas City, M...
Composite
17.8
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 17.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
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
57
Brown & Brown Emerging human only Brokers & Intermediaries
Brown & Brown, Inc. (NYSE: BRO) is a Daytona Beach, Florida headquartered insurance brokerage and risk-management intermediary founded in 1939, and one of th...
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
6.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Securities & Market Data
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
58
Cowbell Cyber Emerging human only Cyber & Specialty Risk
Cowbell is a cyber insurance provider (insurtech) that delivers adaptive, continuously-underwritten cyber liability coverage and cyber-risk management servic...
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
6.8 / 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
59
GEICO Emerging human only P&C / General Insurers
The second-largest private passenger auto insurance company in the United States and a subsidiary of Berkshire Hathaway. Known for its direct-to-consumer mod...
Composite
17.0
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 17.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
4.8 / 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
60
Artificial Intelligence Underwriting Company Emerging human only Underwriting AI & Submission Ingestion
Artificial Intelligence Underwriting Company (AIUC) is a San Francisco-based AI agent standards and insurance company that builds confidence infrastructure f...
Composite
16.5
Agent
0.0
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
6.8 / 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
61
Policygenius Emerging human only Insurtech & Digital-Native Insurers
Policygenius is an independent online insurance marketplace and licensed brokerage founded in 2014 by Jennifer Fitzgerald and Francois de Lame and headquarte...
Composite
15.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 15.6/100 · 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
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
62
Snapsheet Emerging human only Claims Technology
Snapsheet is a cloud-based property & casualty (P&C) claims management platform for insurance carriers, MGAs, and TPAs. It runs the full claims lifecycle wit...
Composite
15.4
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 15.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Payments
4.9 / 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
63
Hi Marley Emerging human only Claims Technology
Hi Marley is an intelligent conversational platform built for the property and casualty (P&C) insurance industry, delivering carrier-to-policyholder communic...
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 16 0–14.9 Index entry only; little beyond a description and a link.
64
Nava Benefits Minimal human only Employee Benefits Administration
Nava Benefits is a modern employee benefits brokerage that pairs expert human advisors with AI-driven technology to help HR teams manage health insurance ren...
Composite
14.3
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 14.3/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 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
65
Hippo Minimal human only Insurtech & Digital-Native Insurers
Hippo is a digital home insurance provider operating as Hippo Insurance Services, a subsidiary of Hippo Holdings Inc. (NYSE: HIPO). Headquartered in Californ...
Composite
11.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 11.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
1.6 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
3.6 / 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
66
Cincinnati Financial Minimal human only P&C / General Insurers
Cincinnati Financial Corporation (NASDAQ: CINF) is a property and casualty insurer headquartered in Fairfield, Ohio, that markets a full suite of business, h...
Composite
10.4
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 10.4/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Insurance
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
67
UnitedHealth Group Minimal human only Life, Health & Benefits Insurers
The largest healthcare company in the world by revenue, operating UnitedHealthcare insurance and Optum health services. Serves over 150 million people throug...
Composite
10.0
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 10.0/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.0 / 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
68
Allstate Minimal human only P&C / General Insurers
Allstate is a personal lines insurer in the United States offering auto, home, life, and other insurance products through agents, call centers, and direct ch...
Composite
9.9
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 9.9/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
2.6 / 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
69
ERGO NEXT Insurance Minimal human only Insurtech & Digital-Native Insurers
ERGO NEXT Insurance (formerly NEXT Insurance) is a Palo Alto, California technology-first Property & Casualty insurer focused on the specific needs of U.S. s...
Composite
9.4
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 9.4/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 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
70
American Family Insurance Minimal human only P&C / General Insurers
American Family Insurance is a private mutual company that offers auto, homeowners, life, renters, umbrella, business, and farm/ranch insurance throughout th...
Composite
9.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 9.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.7 / 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
71
Ethos Minimal human only Insurtech & Digital-Native Insurers
Ethos is a US digital life insurance company headquartered in San Francisco, founded in 2016, offering term life, whole life, and indexed universal life poli...
Composite
8.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 8.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 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
72
Guardian Life Minimal human only Life, Health & Benefits Insurers
Guardian Life is one of the largest mutual life insurance companies in the United States, providing life insurance, disability income insurance, dental insur...
Composite
8.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 8.6/100 · 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
5.5 / 10
Regulatory · Insurance
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
73
Hartford Financial Services Group Minimal human only P&C / General Insurers
The Hartford Financial Services Group is a leading provider of property and casualty insurance, group benefits, and mutual funds and ETFs in the United State...
Composite
8.3
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 8.3/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 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
74
Marsh & McLennan Minimal human only Brokers & Intermediaries
Marsh & McLennan Companies is a global professional services firm offering clients advice and solutions in risk, strategy, and people through Marsh, Guy Carp...
Composite
8.3
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 8.3/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 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
75
Nationwide Minimal human only P&C / General Insurers
Nationwide Mutual Insurance Company is a Fortune 100 American mutual insurance and financial services company providing auto, home, life, business, and retir...
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
76
MetLife Minimal human only Life, Health & Benefits Insurers
MetLife is a Fortune 500 insurance and financial services company offering life, auto, home, dental, vision, and other employee benefits. This entry captures...
Composite
7.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 7.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
5.5 / 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
77
Erie Insurance Minimal human only P&C / General Insurers
Erie Insurance Group (NASDAQ: ERIE) is a Fortune 500 property and casualty insurance company headquartered in Erie, Pennsylvania. The company offers auto, ho...
Composite
6.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 6.6/100 · 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
5.5 / 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
78
Farmers Insurance Exchange Minimal human only P&C / General Insurers
Farmers Insurance Exchange is a Fortune 500 inter-insurance exchange and the largest member of the Farmers Insurance Group of Companies. This repository capt...
Composite
6.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 6.6/100 · 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
5.5 / 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
79
Principal Financial Minimal human only Life, Health & Benefits Insurers
Principal Financial Group is a global investment management leader and the leading provider of retirement plans, insurance solutions, and asset management se...
Composite
4.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 4.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
3.5 / 10
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