Artificial Labs

aid: artificial-labs
url: https://raw.githubusercontent.com/api-evangelist/artificial-labs/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: 'Its API posture is partner-gated and matches the London Market pattern: Artificial talks publicly and
  often about APIs as the connective tissue between broker PAS, carrier systems and its own platform'
name: Artificial Labs
kind: company
description: 'Artificial Labs is a London-based insurance technology company building algorithmic and digital underwriting
  software for the specialty and reinsurance market, with the Lloyd''s of London subscription market as its home ground. Founded
  and headquartered in the City of London at 1-3 Frederick''s Place, and led by co-founders and co-CEOs David King and Johnny
  Bridges under chairman Martin Reith, the company sells three products to carriers, syndicates, MGAs and wholesale brokers:
  Smart Underwriting (a configurable lead-and-follow digital underwriting platform with appetite modelling and accept/refer/decline
  submission triage), Smart Placement (a broker-side placement and distribution platform) and Contract Builder (MRCv3-compliant
  structured digital contract creation, which powers PPL''s integrated Digital Contract Capability). Named customers and partners
  include Apollo, PPL, BMS Group, Lockton and McGill and Partners, and the firm is an alumnus of the Lloyd''s Lab accelerator.
  Its API posture is partner-gated and matches the London Market pattern: Artificial talks publicly and often about APIs as
  the connective tissue between broker PAS, carrier systems and its own platform, and describes real quote-and-bind flows
  in which risk data is pushed to the Artificial platform via API and a written line and rate are returned via API, but it
  publishes no public self-serve developer portal, no downloadable OpenAPI or Swagger definition, no public Postman collection
  and no public API host. api.artificial.io and developer.artificial.io do not resolve in DNS. The product documentation site
  at docs.artificial.io returns HTTP 200 on its landing page only, which states plainly "To view the documentation, you must
  sign in"; every product and reference path 302-redirects to an Auth0 authorization-code login at auth.artificialos.com,
  and docs robots.txt is Disallow all. Its GitHub organization, github.com/artificial-labs, exists but has zero public repositories.
  Where Artificial is genuinely and demonstrably standards-forward is ACORD: it joined the ACORD Solutions Group Licensed
  Integrator Partner program in October 2023, builds Contract Builder and Smart Placement on a structured data model incorporating
  MRCv3, ACORD GRLC and the Lloyd''s Core Data Record, validates contracts pre-submission against MRCv3 and ACORD standards,
  and consumes the ACORD Transcriber API for automated data extraction. That is the honest shape of this record: real, working,
  standards-aligned insurance APIs that are invisible from outside the contractual relationship.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  gated: private
  gated_source:
  - x-api-posture
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-19
tags:
- Insurance
- United Kingdom
- Insurtech
- Underwriting
- Reinsurance
- Specialty Insurance
- London Market
- Lloyd's of London
- Brokerage
- Policy Administration
- ACORD
- Algorithmic Underwriting
tags_raw:
- Insurance
- United Kingdom
- Insurtech
- Underwriting
- Reinsurance
- Specialty Insurance
- London Market
- Lloyd's of London
- Broker
- Policy Administration
- ACORD
- Algorithmic Underwriting
- Brokers
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis: []
common:
- type: Website
  url: https://artificial.io/
- type: Documentation
  url: https://docs.artificial.io/docs-site/
- type: About
  url: https://artificial.io/about/
- type: Blog
  url: https://artificial.io/company/blog/
- type: Contact
  url: https://artificial.io/contact/
- type: Support
  url: https://artificial.io/contact/
- type: Login
  url: https://docs.artificial.io/oauth2/start
- type: Security
  url: https://artificial.io/security/
- type: Compliance
  url: https://trust.artificial.io/
- type: TrustCenter
  url: security/artificial-labs-trust-center.yml
- type: TermsOfService
  url: https://artificial.io/website-terms/
- type: EULA
  url: https://artificial.io/eula/
- type: PrivacyPolicy
  url: https://artificial.io/privacy/
- type: Careers
  url: https://artificial.io/careers/
- type: GitHubOrganization
  url: https://github.com/artificial-labs
- type: LinkedIn
  url: https://www.linkedin.com/company/artificial-labs
- type: OpenIDConnect
  url: https://auth.artificialos.com/.well-known/openid-configuration
- type: Authentication
  url: authentication/artificial-labs-authentication.yml
- type: OAuthScopes
  url: scopes/artificial-labs-scopes.yml
- type: WellKnown
  url: well-known/artificial-labs-well-known.yml
- type: Conformance
  url: conformance/artificial-labs-conformance.yml
- type: DomainSecurity
  url: security/artificial-labs-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/artificial-labs-vulnerability-disclosure.yml
- type: Lifecycle
  url: lifecycle/artificial-labs-lifecycle.yml
- type: Packages
  url: packages/artificial-labs-packages.yml
- type: LLMsTxt
  url: llms/artificial-labs-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com