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 publishes 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 📡 Source on GitHub

21.5/100 emerging ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

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 2026-09-08 · rubric v0.20.0

Composite quality — 21.5/100 · 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 6.5 / 9

Regulatory Posture 5.7 / 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

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/.

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 github.com/api-evangelist/certificial: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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
  label: Unknown
  confidence: low
  probe_state: gated
  source:
  - authentication
  - security
  generated: '2026-09-03'
  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'

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