Certificial

aid: certificial
name: Certificial
description: Certificial operates the Smart COI Network, a real-time certificate of insurance (COI) tracking, issuance and
  compliance platform used by requestors, insureds, and insurance agents and brokers. Instead of a static PDF certificate
  that goes stale the moment a policy changes, Certificial maintains a continuously monitored Smart COI that reflects policy-level
  changes as they happen and notifies every party to the relationship. The company sells two API products to software platforms
  — an Insurance Tracking API for pulling real-time, source-verified coverage data and COI documents into a host platform,
  and a COI Issuance API for InsurTech and agency-management vendors that need to generate and automatically reissue ACORD-form
  certificates. The platform API is live at my.certificial.com/api/ but is credential-gated, and no public API reference,
  OpenAPI definition, or developer portal is published — API access is arranged through a sales/reseller conversation.
image: https://cdn.prod.website-files.com/61da5f835921f2d8534e64ee/61da631ef7dad474183c7474_certificial_logo.svg
url: https://raw.githubusercontent.com/api-evangelist/certificial/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Insurance
- InsurTech
- Certificate of Insurance
- Risk Management
- Compliance
- Supplier Management
- Insurance Verification
- ACORD
- Company
apis:
- name: Certificial Insurance Tracking API
  description: Bi-directional API for technology platforms to request insurance coverage for their customers' suppliers and
    receive real-time, source-verified policy data, PDF certificates of insurance and endorsements back into the host platform.
    Also exposes compliance status against requirements, compliance exceptions and status overrides, and historical coverage-change
    information.
  humanURL: https://www.certificial.com/insurance-tracking-api
  baseURL: https://my.certificial.com/api/
  tags:
  - Insurance
  - Certificate of Insurance
  - Compliance
  x-evidence:
    note: baseURL is the observed platform API root, not a documented product base URL. Probed 2026-08-09 — returns HTTP 401
      application/json with a WWW-Authenticate response header of "Token" (Django REST Framework token authentication). Certificial
      publishes no public API reference or OpenAPI definition for this product.
    url: https://my.certificial.com/api/
    http_status: 401
  properties:
  - type: Authentication
    url: authentication/certificial-authentication.yml
- name: Certificial COI Issuance API
  description: API for InsurTech platforms and agency-management systems to automate certificate of insurance distribution
    — generating ACORD 24, 25, 27, 28 and 101 forms, automatically reissuing certificates when the underlying schedule or
    policy information changes, and returning PDF copies for use inside the partner platform.
  humanURL: https://www.certificial.com/coi-issuance-api
  baseURL: https://my.certificial.com/api/
  tags:
  - Insurance
  - Certificate of Insurance
  - ACORD
  x-evidence:
    note: baseURL is the observed platform API root, not a documented product base URL. Probed 2026-08-09 — returns HTTP 401
      application/json with a WWW-Authenticate response header of "Token". No public API reference or OpenAPI definition is
      published for this product.
    url: https://my.certificial.com/api/
    http_status: 401
  properties:
  - type: Authentication
    url: authentication/certificial-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.certificial.com/
- type: Pricing
  url: https://www.certificial.com/pricing
- type: SignUp
  url: https://my.certificial.com/login
- type: PrivacyPolicy
  url: https://www.certificial.com/privacy-policy
- type: TermsOfService
  url: https://www.certificial.com/user-eula
- type: Support
  url: https://support.certificial.com/portal/en/home
- type: Blog
  url: https://www.certificial.com/news
- type: Authentication
  url: authentication/certificial-authentication.yml
- type: Conformance
  url: conformance/certificial-conformance.yml
- type: DomainSecurity
  url: security/certificial-domain-security.yml
- type: LLMsTxt
  url: llms/certificial-llms.txt
x-enrichment:
  date: '2026-08-09'
  status: minimal
  artifacts_added: 5
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: Certificial markets two APIs (Insurance Tracking and COI Issuance) but publishes no reference for either — both
    product pages end at a Calendly "Setup a Call to Discuss our API" reseller booking, the 130-URL sitemap contains no developer
    or docs page, and the live platform API root at my.certificial.com/api/ answers 401 with a WWW-Authenticate Token challenge.
  evidence:
  - url: https://www.certificial.com/insurance-tracking-api
    status: 200
  - url: https://my.certificial.com/api/
    status: 401
  - url: https://www.certificial.com/openapi.json
    status: 404
  - url: https://www.certificial.com/.well-known/security.txt
    status: 404
  checked: '2026-08-09'