CAA Insurance website screenshot

CAA Insurance

CAA Insurance Company is a Canadian property and casualty carrier that began underwriting in 1974 and is part of CAA Club Group, the CAA South Central Ontario federation, with its head office at 60 Commerce Valley Drive East in Thornhill, Ontario. It underwrites personal-lines auto insurance (including accident benefits, the CAA MyPace pay-as-you-drive product, CAA Connect telematics, and antique and classic vehicle coverage) and personal property insurance (homeowners, condominium, and tenant), plus optional endorsements such as tire coverage, home equipment breakdown, service line, renewable energy equipment, and legal expense coverage. It sells in British Columbia, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, and Prince Edward Island through a direct-to-consumer channel and through independent brokers. Its API posture is honestly none: as of the July 2026 review there is no public developer portal, no self-serve API program, no downloadable OpenAPI or Swagger definition, and no published event or webhook catalog. Every developer-style host and path probed (developer/developers/docs/api subdomains, and /developers, /api, /developer, /partners, /integrations on both caainsurancecompany.com and caainsurancecompany.ca) either failed DNS or returned 404. The only integration surface is the CAA Broker Portal at caabrokerportal.ca, which is a Microsoft Entra External ID (CIAM) WS-Federation login wall in front of a SharePoint broker workspace, and the broker program microsite at broker.caainsurance.com, which is marketing and business-development content only. The one machine-readable contract anywhere in the estate is platform-provided rather than authored by CAA: the broker portal runs Microsoft SharePoint 16.0.0.5552 and serves twenty SOAP WSDL documents (199 operations, none of them insurance operations) anonymously at /_vti_bin/.asmx?WSDL, with its REST/OData sibling at /_api/web returning 403 to anonymous callers; the CAA Club Group Entra External ID tenant likewise serves standard OpenID Connect discovery. Consumer quoting runs through hosted web applications rather than an exposed quote API. This is a representative record of the Canadian carrier tier, where there is no open-insurance mandate — OSFI supervises prudentially, provincial regulators such as FSRA and the AMF handle market conduct, and Consumer-Driven Banking excludes insurance entirely — so carriers face no forcing function to publish anything.

CAA Insurance is profiled on the APIs.io network. Tagged areas include Insurance, Canada, Property and Casualty, Auto Insurance, and Home Insurance.

CAA Insurance’s developer surface includes authentication, engineering blog, FAQ, support, and 17 more developer resources.

25.0/100 emerging ▬ flat Agent 20/100 agent aware Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessPartner gated
0 APIs
InsuranceCanadaProperty and CasualtyAuto InsuranceHome InsuranceCarrierPersonal LinesTelematics

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for CAA Insurance It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/caa-insurance/"><img src="https://apis.io/badge/caa-insurance/card.svg" alt="CAA Insurance on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
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
  • Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
  • Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
  • 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)
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
10 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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/caa-insurance/apis.yml: open an issue on github.com/api-evangelist/caa-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.

MarketPositionDepthRegistered MCP serverDeclares compatibility
FMCSA Registered Electronic Logging Devices 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.

Security Posture 2

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

Caa Insurance Authentication

ws-federation/openIdConnect/oauth2/session-cookie · 4 schemes

SECURITY

Caa Insurance Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Caa Insurance Scopes

4 scopes · authorizationCode/deviceCode

4 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Access & Security 3

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 5

The organization behind the API

Other 2

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: caa-insurance
url: https://raw.githubusercontent.com/api-evangelist/caa-insurance/refs/heads/main/apis.yml
name: CAA Insurance
kind: company
description: 'CAA Insurance Company is a Canadian property and casualty carrier that began underwriting in 1974 and is part
  of CAA Club Group, the CAA South Central Ontario federation, with its head office at 60 Commerce Valley Drive East in Thornhill,
  Ontario. It underwrites personal-lines auto insurance (including accident benefits, the CAA MyPace pay-as-you-drive product,
  CAA Connect telematics, and antique and classic vehicle coverage) and personal property insurance (homeowners, condominium,
  and tenant), plus optional endorsements such as tire coverage, home equipment breakdown, service line, renewable energy
  equipment, and legal expense coverage. It sells in British Columbia, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova
  Scotia, and Prince Edward Island through a direct-to-consumer channel and through independent brokers. Its API posture is
  honestly none: as of the July 2026 review there is no public developer portal, no self-serve API program, no downloadable
  OpenAPI or Swagger definition, and no published event or webhook catalog. Every developer-style host and path probed (developer/developers/docs/api
  subdomains, and /developers, /api, /developer, /partners, /integrations on both caainsurancecompany.com and caainsurancecompany.ca)
  either failed DNS or returned 404. The only integration surface is the CAA Broker Portal at caabrokerportal.ca, which is
  a Microsoft Entra External ID (CIAM) WS-Federation login wall in front of a SharePoint broker workspace, and the broker
  program microsite at broker.caainsurance.com, which is marketing and business-development content only. The one machine-readable
  contract anywhere in the estate is platform-provided rather than authored by CAA: the broker portal runs Microsoft SharePoint
  16.0.0.5552 and serves twenty SOAP WSDL documents (199 operations, none of them insurance operations) anonymously at /_vti_bin/<service>.asmx?WSDL,
  with its REST/OData sibling at /_api/web returning 403 to anonymous callers; the CAA Club Group Entra External ID tenant
  likewise serves standard OpenID Connect discovery. Consumer quoting runs through hosted web applications rather than an
  exposed quote API. This is a representative record of the Canadian carrier tier, where there is no open-insurance mandate
  — OSFI supervises prudentially, provincial regulators such as FSRA and the AMF handle market conduct, and Consumer-Driven
  Banking excludes insurance entirely — so carriers face no forcing function to publish anything.'
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: partner
  gated_source:
  - tag:Partner Gated
  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
tags:
- Insurance
- Canada
- Property and Casualty
- Auto Insurance
- Home Insurance
- Carrier
- Personal Lines
- Telematics
tags_raw:
- Insurance
- Canada
- Property and Casualty
- Auto Insurance
- Home Insurance
- Carrier
- Personal Lines
- Telematics
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/caa-insurance-domain-security.yml
- type: WSDL
  name: CAA Broker Portal SharePoint SOAP services (gated, platform-provided)
  url: wsdl/_index.yml
- type: Authentication
  url: authentication/caa-insurance-authentication.yml
- type: OpenIDConnect
  name: Microsoft Entra External ID (CIAM) discovery for the CAA Club Group tenant
  url: well-known/caa-insurance-openid-configuration.json
- type: OAuthScopes
  url: scopes/caa-insurance-scopes.yml
- type: WellKnown
  url: well-known/caa-insurance-well-known.yml
- type: Conformance
  url: conformance/caa-insurance-conformance.yml
- type: Conventions
  url: conventions/caa-insurance-conventions.yml
- type: ErrorCatalog
  url: errors/caa-insurance-problem-types.yml
- type: LLMsTxt
  url: llms/caa-insurance-llms.txt
- type: Website
  url: https://caainsurancecompany.ca/
- type: About
  url: https://caainsurancecompany.ca/about
- type: Blog
  url: https://caainsurancecompany.ca/blog
- type: FAQ
  url: https://caainsurancecompany.ca/faq
- type: Support
  url: https://caainsurancecompany.ca/claims-and-inquires
- type: Login
  url: https://customer.caainsurancecompany.ca/
- type: PartnerPortal
  url: https://www.caabrokerportal.ca/
- type: Partners
  url: https://broker.caainsurance.com/
- type: PrivacyPolicy
  url: https://caainsurancecompany.ca/privacy
- type: TermsOfService
  url: https://caainsurancecompany.ca/terms-of-use
- type: LinkedIn
  url: https://www.linkedin.com/company/caa-insurance-company/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-tags-removed:
- Brokers
- No Public API
- Partner Gated

CAA Insurance API — frequently asked questions

How do I authenticate with the CAA Insurance API?

CAA Insurance documents its authentication (ws-federation/openIdConnect/oauth2/session-cookie · 4 schemes). The details are profiled on APIs.io as Caa Insurance Authentication.

Is the CAA Insurance API ready for AI agents?

CAA Insurance has a Kin Score of 25.0 out of 100 (emerging) and an Agent Readiness score of 20.1 (agent-aware), scored by API Evangelist on 2026-11-06.

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