# APOLLO Insurance

**Canonical:** https://apis.io/providers/apollo-insurance/  
**Website:** https://apollocover.com/  
**APIs profiled:** 3

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.

## Kin Score — 53.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 53.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 58.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 66.1 |
| Commercial Clarity | 43.4 |
| Access Clarity | 43.4 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 41.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | derived |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (3)

- **APOLLO Affiliates API** — The current APOLLO Affiliate API. Two partner-scoped POST operations — quote an application and create an application — scoped by affiliateId (the partner's co-branded APOLLO su...
- **APOLLO Public API - Affiliates** — The earlier APOLLO public affiliate surface, still published in its own Stoplight project. Two POST operations fixed to the tenant line — generate a quote (returning contents, A...
- **APOLLO CoverTrack API** — CoverTrack is APOLLO's tenant-insurance compliance product for REITs and property managers, served from its own api.covertrack.ca host. Three real operations plus one documented...

## MCP servers (1)

- **APOLLO Insurance MCP Server**

## Agentic access (1)

- **Apollo Insurance Agentic Access** — 8 operations · 6 acting

## Security (3)

- **Apollo Insurance Authentication** — apiKey · 3 schemes
- **Apollo Insurance Domain Security** — TLSv1.3 · HSTS · DMARC
- **Apollo Insurance Trust Center** — SOC 2, ISO 27001, PCI DSS

## Tags

Insurance, Canada, Insurtech, Brokers, Embedded Insurance, Property and Casualty, Tenant Insurance, Quoting, Distribution, Compliance

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