# Certificial

**Canonical:** https://apis.io/providers/certificial/  
**Website:** https://www.certificial.com/  
**APIs profiled:** 2

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.

## Kin Score — 24.9 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 24.9).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 17.4 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Insurance**: 37.9 (matched via tags).

## Agent readiness — 12.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (2)

- **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 (2)

- **Certificial Authentication** — http · 1 scheme
- **Certificial Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, InsurTech, Certificate of Insurance, Risk Management, Compliance, Supplier Management, Insurance Verification, ACORD, Company

---

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