Adaptive Insurance

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.

Adaptive Insurance is profiled on the APIs.io network. Tagged areas include Insurance, Insurtech, Parametric Insurance, Specialty Insurance, and Climate Risk.

Adaptive Insurance’s developer surface includes engineering blog, support, signup flow, authentication, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

24.0/100 emerging Agent 18/100 agent aware Full breakdown ↓
scored 2026-09-07 · rubric v0.20.0

0 APIs

Insurance Insurtech Parametric Insurance Specialty Insurance Climate Risk Weather Data Managing General Agent FloodPower Outage

Kin Score

Kin Score How this is scored →
scored 2026-09-07 · rubric v0.20.0

Composite quality — 24.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.9 / 9

Regulatory Posture 9.5 / 15

Agent readiness — 18/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/adaptive-insurance: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Pricing Plans 1

Published pricing tiers and plan structures.

Adaptive Insurance Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Adaptive Insurance Rate Limits

0 limits

RATE LIMITS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Adaptive Insurance Authentication

openIdConnect/oauth2 · 1 scheme

SECURITY

Adaptive Insurance Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Adaptive Insurance Scopes

14 scopes · authorizationCode/clientCredentials/deviceCode

14 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

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.
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'

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