Adaptive Insurance

aid: adaptive-insurance
name: Adaptive Insurance
description: Adaptive Insurance is an Austin, Texas managing general agent and insurtech platform founded in 2024 by former
  Hippo executives Mike Gulla and Arik Yelovitch, writing parametric and specialty coverage for climate and weather risk in
  the United States. Its flagship product, GridProtect, is a parametric power-outage policy that pays automatically on a verified
  third-party outage trigger, typically within days; the portfolio also includes residential and commercial wind/hail deductible
  buy-backs, standalone residential flood coverage, equipment breakdown, and a Restaurant Recovery product offered by Tokio
  Marine HCC and powered by Adaptive. Distribution runs through appointed agents and brokers who quote, bind and issue online
  in under five minutes in a portal backed by the company's own identity tenant, plus embedded and white-label partner arrangements.
  Adaptive publishes no public developer program - no portal, reference, or machine-readable specification - so this profile
  records the identity and discovery surface it does serve.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: none
  source:
  - authentication
  - scopes
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/660ca8f281e9a5dfc19bc069/67190ebfbdd7ffc32579f220_favicon.svg
url: https://raw.githubusercontent.com/api-evangelist/adaptive-insurance/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-07'
modified: '2026-09-07'
tags:
- Insurance
- Insurtech
- Parametric Insurance
- Specialty Insurance
- Climate Risk
- Weather Data
- Managing General Agent
- Flood
- Power Outage
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/adaptive-insurance-domain-security.yml
- type: Website
  url: https://www.adaptiveinsurance.com/
- type: Blog
  url: https://www.adaptiveinsurance.com/blog
- type: Support
  url: https://www.adaptiveinsurance.com/contact
- type: SignUp
  url: https://app.adaptiveinsurance.com/registration
- type: Login
  url: https://app.adaptiveinsurance.com/
- type: TermsOfService
  url: https://www.adaptiveinsurance.com/terms-conditions
- type: PrivacyPolicy
  url: https://www.adaptiveinsurance.com/privacy-policy
- type: LLMsTxt
  url: llms/adaptive-insurance-llms.txt
- type: WellKnown
  url: well-known/adaptive-insurance-well-known.yml
- type: Authentication
  url: authentication/adaptive-insurance-authentication.yml
- type: OAuthScopes
  url: scopes/adaptive-insurance-scopes.yml
- type: Conformance
  url: conformance/adaptive-insurance-conformance.yml
- type: Plans
  url: plans/adaptive-insurance-plans-pricing.yml
- type: RateLimits
  url: rate-limits/adaptive-insurance-rate-limits.yml
- type: DomainSecurity
  url: security/adaptive-insurance-domain-security.yml
x-enrichment:
  date: '2026-09-07'
  status: minimal
  artifacts_added: 10
  pass: local-v3
x-coverage:
  state: none
  reason: no-developer-program
  detail: Adaptive Insurance runs a live application backend at api.adaptiveinsurance.com that answers only its own agent
    portal - every probed path returns the same JSON 404 envelope and there is no /docs, /openapi.json or discovery document
    - and the public site never uses the word API, offering embedded and white-label partnership only through a contact form.
  evidence:
  - url: https://api.adaptiveinsurance.com/openapi.json
    status: 404
  - url: https://api.adaptiveinsurance.com/docs
    status: 404
  - url: https://www.adaptiveinsurance.com/sitemap.xml
    status: 200
  - url: https://www.adaptiveinsurance.com/llms.txt
    status: 200
  - url: https://auth.adaptiveinsurance.com/.well-known/openid-configuration
    status: 200
  checked: '2026-09-07'