# Artificial Labs

**Canonical:** https://apis.io/providers/artificial-labs/  
**Website:** https://artificial.io/  
**APIs profiled:** 0

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.

## Kin Score — 33.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.1).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 43.4 |
| Access Clarity | 43.4 |

Regulatory layer — **Insurance**: 80.3 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

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

## Security (4)

- **Artificial Labs Authentication** — oauth2/openIdConnect · 1 scheme
- **Artificial Labs Domain Security** — TLSv1.3 · HSTS · DMARC
- **Artificial Labs Vulnerability Disclosure** — Hackerone · contact published
- **Artificial Labs Trust Center** — ISO 27001, Cyber Essentials Plus

## Tags

Insurance, United Kingdom, Insurtech, Underwriting, Reinsurance, Specialty Insurance, London Market, Lloyd's of London, Brokers, Policy Administration, ACORD, Algorithmic Underwriting

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