Insurance is a small vertical in the catalog — 84 providers, 313 APIs — and one of the least API-mature relative to its size as an industry. That gap is the story: insurance moves enormous amounts of money on top of surprisingly little public API surface, and the catalog shows exactly where that’s starting to change.
The bands
| Band | What it does | Providers on apis.io |
|---|---|---|
| Carriers | Underwriting, policies, claims | Zurich Insurance (12 APIs) |
| Distribution & aggregation | Quote and bind across carriers | Herald (7), Coterie (6) |
| Brokerage & risk data | Broking, ratings, risk | Aon (8), Moody’s (15) |
| InsurTech tooling | Doc AI, embedded, verification | Affinda (14), Tint (7) |
What’s shifted recently
- The aggregation pattern arrived. Herald exposes a single normalized API that quotes and binds across many commercial carriers — the same structural move open banking made over banks. It’s the most important shift in the vertical, because it turns a fragmented carrier landscape into one programmable surface.
- Embedded insurance became an API. Coterie and Tint let software platforms embed quoting and policies directly into their own products. Insurance is following the “embedded” path that payments took — the policy sold at the point of need, through an API, not an agent.
- Carriers cautiously opened up. Zurich’s public API platform is a signal that the incumbents are starting to expose real surfaces. It’s early and thin compared to the InsurTech tooling around it, but the direction — carriers as API providers — is the precondition for the whole vertical maturing.
Where to start
- The Insurance industry page ranks all 84 providers.
- For the aggregation model, study Herald.
- For embedded distribution, compare Coterie and Tint.
The takeaway
Insurance is where API maturity is still ahead of it, not behind — 84 providers is thin for an industry this large, and most of the interesting surface is the InsurTech layer working around the carriers rather than the carriers themselves. That’s precisely why it’s worth watching in the catalog: aggregation and embedding, the two moves that already reshaped banking and payments, are just now taking hold here.