APOLLO Insurance

APOLLO Insurance (APOLLO Insurance Agency Ltd., apollocover.com) is a Vancouver-founded Canadian digital insurance brokerage and MGA-style distribution platform that sells personal and small-commercial coverage entirely online — tenant and student tenant insurance in every province, homeowner, condo and townhouse, landlord and pet insurance on the personal side, and general liability, professional liability and directors and officers coverage on the business side. APOLLO does not underwrite; it distributes on a commission basis on behalf of A+ to A- rated Canadian carriers, and it sits in the thin digital-broker layer of a Big-Few Canadian market dominated by Intact, Definity, Co-operators and Desjardins. Its distinctive business is embedded tenant insurance for REITs and property managers: automated resident enrolment at lease signing, renewal handling, and real-time building-level compliance tracking, delivered through a Yardi Systems integration and its CoverTrack compliance product. Unusually for the Canadian insurance sector, APOLLO publishes a genuine, publicly readable developer portal at docs.apollocover.com — a Stoplight workspace with three public projects and downloadable OpenAPI definitions covering quote and application (pre-fill) for tenant insurance and compliance-status lookup for partner properties. The surface is real but partner-scoped: every call needs an affiliateId (a co-branded APOLLO subdomain) and an x-api-key token that APOLLO issues by hand to affiliates and property-manager partners, so there is no self-serve credential path and no consumer-facing API. Canada has no open-insurance mandate — OSFI supervises prudentially, the provinces (FSRA, AMF) supervise market conduct, and Consumer-Driven Banking excludes insurance entirely — so nothing forces this disclosure; APOLLO published it as a distribution strategy. No ACORD, AL3, IVANS or agency-management-system reference appears anywhere in its public site or documentation.

APOLLO Insurance publishes 3 API contracts indexed on the APIs.io network: Affiliates API, Compliance API, and Quote API. Tagged areas include Insurance, Canada, Insurtech, Brokerage, and Embedded Insurance.

The APOLLO Insurance catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

APOLLO Insurance’s developer surface includes sandbox, code examples, authentication, documentation, engineering blog, API reference, getting-started guide, and 41 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

54.0/100 developing ▬ flat Agent 24/100 agent aware Front door AI 4/6 moderate Heartbeat 96/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

3 published contracts 3 Agent Skills

Insurance Canada Insurtech Brokerage Embedded Insurance Property and Casualty Tenant Insurance Quoting Distribution Compliance

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Insurance Distribution Management

BC-2110

AffiliatesQuoteapi

POST /quote/tenant/{partnerId} POST /api/affiliates/{affiliateId}/tenant/quote

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 54.0/100 · developing

Contract Quality 10.8 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 6.5 / 15

Operational Transparency 1.8 / 10

Contract Governance 2.9 / 9

Discoverability 6.0 / 8

Regulatory Posture 3.9 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 0 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 43.4 — up to +11.3 composite points
Operational Transparency scores 18.4 — up to +10.6 composite points
Contract Quality scores 57.7 — up to +10.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/apollo-insurance/apis.yml: open an issue on github.com/api-evangelist/apollo-insurance to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Insurance and Insurtech	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

APOLLO Insurance Affiliates API

The Affiliates API from APOLLO Insurance — 2 operation(s) for affiliates.

APOLLO Insurance Compliance API

The Compliance API from APOLLO Insurance — 3 operation(s) for compliance.

APOLLO Insurance Quote API

The Quote API from APOLLO Insurance — 1 operation(s) for quote.

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Public API - Affiliates

OPEN COLLECTION

Affiliates API

OPEN COLLECTION

CoverTrack API's

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Check tenant insurance compliance across a property portfolio

AGENT SKILL

Create a pre-filled tenant application and hand off to the launchpad

AGENT SKILL

Quote tenant insurance for an affiliate

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Apollo Insurance Covertrack Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

APOLLO Insurance API Rules

47 rules · 45 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 3

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Apollo Insurance Affiliates Legacy Overlay

5 actions · update · apollo-insurance-affiliates-legacy.yml

DERIVED

Apollo Insurance Affiliates Overlay

8 actions · update · apollo-insurance-affiliates.yml

DERIVED

Apollo Insurance Covertrack Overlay

10 actions · update · apollo-insurance-covertrack.yml

DERIVED

Security Posture 3

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

Apollo Insurance Authentication

apiKey · 3 schemes

SECURITY

Apollo Insurance Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Apollo Insurance Trust Center

SOC 2, ISO 27001, PCI DSS

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Apollo Insurance Agentic Access

8 operations · 5 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

CustomerPortal

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

AgenticAccess

AgenticAccess

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

DataModel

Components

Webhooks

Conformance

Scroll for all 8

Build 2

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Examples

Examples

Access & Security 5

Authentication, authorization, and security posture

Compliance

SecurityPolicy

TrustCenter

DomainSecurity

Authentication

Operate 3

Status, limits, changes, and where to get help

SupportCenter

SupportCenter

Support

Support

Contact

Contact

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 11

The organization behind the API

Website

Partners

Blog

About

Careers

InvestorRelations

InvestorRelations

Press

Press

LinkedIn

Twitter

Twitter

Facebook

Facebook

Instagram

Instagram

Scroll for all 11

Other 6

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Reviews

SiteMap

Source (apis.yml)

aid: apollo-insurance
url: https://raw.githubusercontent.com/api-evangelist/apollo-insurance/refs/heads/main/apis.yml
name: APOLLO Insurance
kind: company
description: 'APOLLO Insurance (APOLLO Insurance Agency Ltd., apollocover.com) is a Vancouver-founded Canadian digital insurance
  brokerage and MGA-style distribution platform that sells personal and small-commercial coverage entirely online — tenant
  and student tenant insurance in every province, homeowner, condo and townhouse, landlord and pet insurance on the personal
  side, and general liability, professional liability and directors and officers coverage on the business side. APOLLO does
  not underwrite; it distributes on a commission basis on behalf of A+ to A- rated Canadian carriers, and it sits in the thin
  digital-broker layer of a Big-Few Canadian market dominated by Intact, Definity, Co-operators and Desjardins. Its distinctive
  business is embedded tenant insurance for REITs and property managers: automated resident enrolment at lease signing, renewal
  handling, and real-time building-level compliance tracking, delivered through a Yardi Systems integration and its CoverTrack
  compliance product. Unusually for the Canadian insurance sector, APOLLO publishes a genuine, publicly readable developer
  portal at docs.apollocover.com — a Stoplight workspace with three public projects and downloadable OpenAPI definitions covering
  quote and application (pre-fill) for tenant insurance and compliance-status lookup for partner properties. The surface is
  real but partner-scoped: every call needs an affiliateId (a co-branded APOLLO subdomain) and an x-api-key token that APOLLO
  issues by hand to affiliates and property-manager partners, so there is no self-serve credential path and no consumer-facing
  API. Canada has no open-insurance mandate — OSFI supervises prudentially, the provinces (FSRA, AMF) supervise market conduct,
  and Consumer-Driven Banking excludes insurance entirely — so nothing forces this disclosure; APOLLO published it as a distribution
  strategy. No ACORD, AL3, IVANS or agency-management-system reference appears anywhere in its public site or documentation.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://platform-assets.apollocover.com/apollo.svg
x-docs-platform: stoplight
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-19
tags:
- Insurance
- Canada
- Insurtech
- Brokerage
- Embedded Insurance
- Property and Casualty
- Tenant Insurance
- Quoting
- Distribution
- Compliance
tags_raw:
- Insurance
- Canada
- Insurtech
- Broker
- Embedded Insurance
- Property and Casualty
- Tenant Insurance
- Quoting
- Distribution
- Compliance
- Brokers
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: apollo-insurance:apollo-insurance-affiliates-api
  name: APOLLO Insurance Affiliates API
  description: The Affiliates API from APOLLO Insurance — 2 operation(s) for affiliates.
  humanURL: https://docs.apollocover.com/docs/public-affiliate-api/a8a7ea17b0889-affiliates-api
  baseURL: https://fpl95knwc1.execute-api.ca-central-1.amazonaws.com/1_0_0
  tags:
  - Affiliates
  properties:
  - type: OpenAPI
    url: openapi/apollo-insurance-affiliates-api-openapi.yml
  - type: Documentation
    url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
  - type: APIReference
    url: https://docs.apollocover.com/docs/public-affiliate-api/a8a7ea17b0889-affiliates-api
  - type: GettingStarted
    url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
  - type: Documentation
    url: https://docs.apollocover.com/docs/affiliate-api/18a87d4863056-public-api-affiliates
  - type: APIReference
    url: https://docs.apollocover.com/docs/affiliate-api/18a87d4863056-public-api-affiliates
  - type: Documentation
    url: https://docs.apollocover.com/docs/covertrack-api/fu18p9wlkzenb-cover-track-api-s
  - type: APIReference
    url: https://docs.apollocover.com/docs/covertrack-api/fu18p9wlkzenb-cover-track-api-s
  - type: Webhooks
    url: asyncapi/apollo-insurance-covertrack-webhooks.yml
- aid: apollo-insurance:apollo-insurance-compliance-api
  name: APOLLO Insurance Compliance API
  description: The Compliance API from APOLLO Insurance — 3 operation(s) for compliance.
  humanURL: https://docs.apollocover.com/docs/public-affiliate-api/a8a7ea17b0889-affiliates-api
  baseURL: https://fpl95knwc1.execute-api.ca-central-1.amazonaws.com/1_0_0
  tags:
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/apollo-insurance-compliance-api-openapi.yml
  - type: Documentation
    url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
  - type: APIReference
    url: https://docs.apollocover.com/docs/public-affiliate-api/a8a7ea17b0889-affiliates-api
  - type: GettingStarted
    url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
  - type: Documentation
    url: https://docs.apollocover.com/docs/affiliate-api/18a87d4863056-public-api-affiliates
  - type: APIReference
    url: https://docs.apollocover.com/docs/affiliate-api/18a87d4863056-public-api-affiliates
  - type: Documentation
    url: https://docs.apollocover.com/docs/covertrack-api/fu18p9wlkzenb-cover-track-api-s
  - type: APIReference
    url: https://docs.apollocover.com/docs/covertrack-api/fu18p9wlkzenb-cover-track-api-s
  - type: Webhooks
    url: asyncapi/apollo-insurance-covertrack-webhooks.yml
- aid: apollo-insurance:apollo-insurance-quote-api
  name: APOLLO Insurance Quote API
  description: The Quote API from APOLLO Insurance — 1 operation(s) for quote.
  humanURL: https://docs.apollocover.com/docs/public-affiliate-api/a8a7ea17b0889-affiliates-api
  baseURL: https://fpl95knwc1.execute-api.ca-central-1.amazonaws.com/1_0_0
  tags:
  - Quotes
  tags_raw:
  - Quote
  properties:
  - type: OpenAPI
    url: openapi/apollo-insurance-quote-api-openapi.yml
  - type: Documentation
    url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
  - type: APIReference
    url: https://docs.apollocover.com/docs/public-affiliate-api/a8a7ea17b0889-affiliates-api
  - type: GettingStarted
    url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
  - type: Documentation
    url: https://docs.apollocover.com/docs/affiliate-api/18a87d4863056-public-api-affiliates
  - type: APIReference
    url: https://docs.apollocover.com/docs/affiliate-api/18a87d4863056-public-api-affiliates
  - type: Documentation
    url: https://docs.apollocover.com/docs/covertrack-api/fu18p9wlkzenb-cover-track-api-s
  - type: APIReference
    url: https://docs.apollocover.com/docs/covertrack-api/fu18p9wlkzenb-cover-track-api-s
  - type: Webhooks
    url: asyncapi/apollo-insurance-covertrack-webhooks.yml
common:
- type: CapabilityMap
  url: capabilities/apollo-insurance-capability-edges.yml
  name: APOLLO Insurance Business Capability Map
- type: Overlay
  url: overlays/apollo-insurance-affiliates-overlay.yaml
- type: Overlay
  url: overlays/apollo-insurance-affiliates-legacy-overlay.yaml
- type: Overlay
  url: overlays/apollo-insurance-covertrack-overlay.yaml
- type: LLMsTxt
  url: llms/apollo-insurance-llms.txt
- type: X-MCPServerCandidate
  url: mcp/apollo-insurance-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/apollo-insurance-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Conventions
  url: conventions/apollo-insurance-conventions.yml
- type: Idempotency
  url: conventions/apollo-insurance-conventions.yml
- type: ErrorCatalog
  url: errors/apollo-insurance-problem-types.yml
- type: Lifecycle
  url: lifecycle/apollo-insurance-lifecycle.yml
- type: Sandbox
  url: sandbox/apollo-insurance-sandbox.yml
- type: DataModel
  url: data-model/apollo-insurance-data-model.yml
- type: Examples
  url: examples/apollo-insurance-examples.yml
- type: Components
  url: components/apollo-insurance-components.yml
- type: Webhooks
  url: asyncapi/apollo-insurance-covertrack-webhooks.yml
- type: Conformance
  url: conformance/apollo-insurance-conformance.yml
- type: Compliance
  url: https://apollocover.com/security
- type: SecurityPolicy
  url: https://apollocover.com/security
- type: AgenticAccess
  url: agentic-access/apollo-insurance-agentic-access.yml
- type: TrustCenter
  url: security/apollo-insurance-trust-center.yml
- type: DomainSecurity
  url: security/apollo-insurance-domain-security.yml
- type: Authentication
  url: authentication/apollo-insurance-authentication.yml
- type: Website
  url: https://apollocover.com/
- type: DeveloperPortal
  url: https://docs.apollocover.com/
- type: Documentation
  url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
- type: Partners
  url: https://apollocover.com/partnerships
- type: SupportCenter
  url: https://help.apollocover.com/
- type: CustomerPortal
  url: https://policy-portal.apollocover.com/
- type: Blog
  url: https://apollocover.com/magazine
- type: PrivacyPolicy
  url: https://apollocover.com/privacy-policy
- type: APIReference
  url: https://docs.apollocover.com/docs/public-affiliate-api/a8a7ea17b0889-affiliates-api
- type: GettingStarted
  url: https://docs.apollocover.com/docs/public-affiliate-api/27500feeac1b7-introduction
- type: Support
  url: https://help.apollocover.com/en/
- type: TermsOfService
  url: https://apollocover.com/terms-conditions/
- type: Login
  url: https://policy-portal.apollocover.com/
- type: Contact
  url: https://apollocover.com/contact-us
- type: About
  url: https://apollocover.com/about-us
- type: Careers
  url: https://apollocover.com/about-us/join-the-team
- type: InvestorRelations
  url: https://apollocover.com/about-us/investor-relations
- type: Press
  url: https://apollocover.com/about-us/in-the-news
- type: Reviews
  url: https://apollocover.com/reviews
- type: SiteMap
  url: https://apollocover.com/site-map
- type: LinkedIn
  url: https://www.linkedin.com/company/apolloexchange
- type: Twitter
  url: https://twitter.com/theapollomag
- type: Facebook
  url: https://www.facebook.com/apolloinsurance
- type: Instagram
  url: https://www.instagram.com/apolloinsurance
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

APOLLO Insurance API — frequently asked questions

Does APOLLO Insurance have an API?

Yes. APIs.io lists 3 APIs from APOLLO Insurance, including APOLLO Insurance Affiliates API, APOLLO Insurance Compliance API and APOLLO Insurance Quote API.

Is there an OpenAPI specification for the APOLLO Insurance API?

Yes. APIs.io indexes 3 OpenAPI specifications for APOLLO Insurance, each linked for download from this page.

How do I authenticate with the APOLLO Insurance API?

APOLLO Insurance uses bearer-token authentication (apiKey · 3 schemes). The details are profiled on APIs.io as Apollo Insurance Authentication.

Is the APOLLO Insurance API ready for AI agents?

APOLLO Insurance has a Kin Score of 54.0 out of 100 (developing) and an Agent Readiness score of 24.4 (agent-aware), scored by API Evangelist on 2026-11-06.

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