# Branch

**Canonical:** https://apis.io/providers/branch-insurance/  
**Website:** https://www.ourbranch.com/  
**APIs profiled:** 1

Branch is a Columbus, Ohio insurtech that bundles home and auto insurance (with optional umbrella coverage) and issues policies in seconds from just a name and address. The company operates as Branch Insurance Exchange, a reciprocal insurer, plus the managing General Branch Agency / Branch Financial, Inc. holding company, and originally targeted direct-to-consumer customers with a quote-and-bind flow that prefills rating data from public sources. Branch raised a $147M Series C at a $1.05B valuation in 2022 (Weatherford Capital, Acrew Capital, Anthemis, Cherry Creek Holdings, Greycroft, HSCM Bermuda, AmFam Ventures, others), partnered with SimpliSafe (home security bundle) and ADT, and runs an embedded "Quote to Bind" GraphQL API used by affinity partners (mortgage originators, lenders, aggregators) to embed home + auto quotes inside their own apps. The Quote to Bind v2 GraphQL API (https://docs.v2.api.ourbranch.com) exposes requestQuoteV2, recalculateQuoteV2, addCar, addDriver, requestBind, getOffer, enhancedGetOffer, getBoundPoliciesByOfferId, getPolicyDocuments, and getOfferPDF, plus optional webhook / SFTP / S3 postbacks for bind and document-signed events. Partners authenticate with an API key in the Authorization header and an x-affinity-code header when responsible for multiple agencies, and may either run the whole flow via the API or hand customers off to ourbranch.com / staff.ourbranch.com for customize / review / checkout / sign-documents steps. A staging endpoint at https://staging.v2.api.ourbranch.com mirrors production with shared test users and payment methods. Branch operates in roughly two dozen US states including Ohio, Texas, Illinois, Arizona, Missouri, and others, and emphasises community-discount pricing, a community pledge / giveback program, and B Corp certification (2023). There is no public OpenAPI specification — the API is GraphQL-only and the schema is browsable on Apollo Studio (studio.apollographql.com/public/Branch-Quote-to-Bind-Staging) with an API key.

## Kin Score — 21.5 / 100 (emerging)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 21.5).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 41.7 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Insurance**: 21.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| 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 |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **Branch Quote to Bind API** — Branch's Quote to Bind GraphQL API exposes everything an affinity partner needs to go from initial quote to final purchase of Branch home + auto (and optional umbrella) insuranc...

## Security (1)

- **Branch Insurance Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, Home Insurance, Auto Insurance, Umbrella Insurance, Bundled Insurance, Insurtech, Reciprocal Exchange, Embedded Insurance, Quote to Bind, GraphQL, Partner API, Affinity, Mortgage, Columbus Ohio

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