Certificial

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.

Certificial is listed with 2 APIs on the APIs.io network. Tagged areas include Insurance, Insurtech, Certificate of Insurance, Risk Management, and Compliance.

Certificial’s developer surface includes pricing, signup flow, support, engineering blog, authentication, and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

20.4/100 emerging ▬ flat Agent 3/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 APIs

Insurance Insurtech Certificate of Insurance Risk Management Compliance Supplier Management Insurance Verification ACORD Company

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 20.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points
Access Clarity scores 31.6 — up to +13.7 composite points

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/certificial/apis.yml: open an issue on github.com/api-evangelist/certificial 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.

Market	Position	Depth	Registered MCP server	Declares compatibility
Procurement and B2B Buying (source-to-pay suites, spend management)	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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

ACORD

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Certificial Insurance Tracking API

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 ...

Certificial COI Issuance API

API for InsurTech platforms and agency-management systems to automate certificate of insurance distribution — generating ACORD 24, 25, 27, 28 and 101 forms, automatically reissu...

Security Posture 2

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

Certificial Authentication

http · 1 scheme

SECURITY

Certificial Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

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.
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_conflict: 'x-api-posture: private but 2 published API entries'
  label: Unknown
  confidence: low
  probe_state: gated
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
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-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: 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/
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Insurance
- Insurtech
- Certificate of Insurance
- Risk Management
- Compliance
- Supplier Management
- Insurance Verification
- ACORD
- Company
tags_raw:
- 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'

Certificial API — frequently asked questions

Does Certificial have an API?

Yes. APIs.io lists 2 APIs from Certificial, including Certificial Insurance Tracking API and Certificial COI Issuance API.

How do I authenticate with the Certificial API?

Certificial uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Certificial Authentication.

Is the Certificial API ready for AI agents?

Certificial has a Kin Score of 20.4 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

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