# Adaptive Insurance

**Canonical:** https://apis.io/providers/adaptive-insurance/  
**Website:** https://www.adaptiveinsurance.com/  
**APIs profiled:** 0

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.

## Kin Score — 24.0 / 100 (emerging)

Scored 2026-09-07 under rubric 0.20.0.

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Insurance**: 63.6 (matched via tags).

## Agent readiness — 17.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | served |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | served |
| Protected Resource Metadata | no |
| Dynamic Client Registration | yes |
| Agentic Commerce | no |

## Security (2)

- **Adaptive Insurance Authentication** — openIdConnect/oauth2 · 1 scheme
- **Adaptive Insurance Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Adaptive Insurance Plans Pricing**

## Tags

Insurance, Insurtech, Parametric Insurance, Specialty Insurance, Climate Risk, Weather Data, Managing General Agent, Flood, Power Outage

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/adaptive-insurance/). Scores are computed from the provider's own public artifacts under a published rubric.