The Co-operators

aid: cooperators
url: https://raw.githubusercontent.com/api-evangelist/cooperators/refs/heads/main/apis.yml
name: The Co-operators
kind: company
description: The Co-operators is a Canadian insurance and financial services co-operative, formed in 1978 from the amalgamation
  of the Saskatchewan and Ontario co-operative insurers whose roots run back to the Co-operative Life Insurance Company founded
  in Regina in 1945. It is owned by Canadian co-operatives, credit union centrals and farm organizations rather than public
  shareholders, and writes multi-line property and casualty, home, auto, farm, travel and life insurance alongside group benefits,
  group retirement and savings, wealth management and institutional asset management, reporting more than $62 billion in assets
  under administration, nearly 7,000 employees and more than 2,800 licensed insurance representatives across Canada. Its API
  posture is partner-gated. There is no first-party developer portal on cooperators.ca — developer, developers, docs, api
  and partners subdomains do not resolve in DNS, and /developers, /developer, /api, /partners and /integrations all return
  HTTP 404 — while the advisor and broker channel is a set of sign-in walls (lifeportal.cooperators.ca, benefitsnowlogon.cooperators.ca,
  basis.cooperators.ca, illustration.cumis.com). The only public API surface in the group belongs to its embedded-insurance
  brand Duuo, whose Duuo Platform partner APIs cover account, quote, payment and policy issuance for tenant and event insurance
  behind a signed partnership agreement and issued OAuth 2.0 client credentials; the developer portal Duuo advertises at developer.duuo.ca
  is a Postman-hosted documentation domain that returns HTTP 404 as of 2026-07-25. No ACORD, AL3 or CSIO reference was found
  anywhere in the company's public materials.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Canada
- Property and Casualty
- Life Insurance
- Group Benefits
- Embedded Insurance
- Co-operative
- Wealth Management
- Partner API
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis:
- aid: cooperators:duuo-platform-api
  name: Duuo Platform API
  description: 'Partner-gated embedded insurance API from Duuo, the digital insurance brand of The Co-operators. Duuo''s own
    published documentation describes APIs for account, quote and policy, risk rating and payment so partners can embed tenant
    and event insurance into their own applications. Access is not self-serve: partners engage the Duuo partnerships team,
    sign a partnership agreement, are assigned a Partner Account Manager, and are then issued API access credentials, a partner-specific
    host and the detailed API reference. Authentication is OAuth 2.0 client_credentials, with the client id and secret supplied
    as an HTTP Basic header to a partner-issued token URL and the resulting bearer token sent on every call. The publicly
    published operations covered quote and bind/issue for two products — event insurance (create entity, create quote, get
    quote, make payment, create policy, email policy) and tenant insurance (check eligibility, update quote, add insured,
    make payment) — with no claims or FNOL surface. The developer portal Duuo links to from duuo.ca, https://developer.duuo.ca/,
    is a Postman-hosted documentation domain that returned HTTP 404 on 2026-07-25; the collection it published has been unpublished,
    so no live public reference remains. The OpenAPI 3.1 in this repo is a derivation by API Evangelist from an Internet Archive
    capture of that same Duuo-published Postman collection — ten operations across two strictly ordered product flows, with
    Duuo''s own request and response examples, error shapes and Partner Accepted Testing values carried through. It is a historical,
    non-live-verified reconstruction, not a provider-published spec. Consent booleans are load-bearing request fields on both
    flows, there is no idempotency key on the money- and policy-binding writes, and no webhook, claims, policy-read or quote-status
    operation exists.'
  humanURL: https://duuo.ca/embedded-partners/
  tags:
  - Embedded Insurance
  - Quote
  - Policy
  - Tenant Insurance
  - Event Insurance
  - Partner API
  properties:
  - type: Documentation
    url: https://duuo.ca/embedded-partners/
  - type: Website
    url: https://duuo.ca/
  - type: SignUp
    url: https://duuo.ca/new-partners/
  - type: GettingStarted
    url: https://duuo.ca/embedded-partners/
    name: Duuo partner onboarding — discovery, agreement, credentials, build, test, compliance review, go live
  - type: Support
    url: https://intercom.help/duuo-support/en/
    name: Duuo help centre
  - type: TermsOfService
    url: https://duuo.ca/terms-of-use
  - type: PrivacyPolicy
    url: https://duuo.ca/privacy
  - type: Blog
    url: https://duuo.ca/blog/
  - type: OpenAPI
    url: openapi/cooperators-duuo-platform-openapi.yml
    name: Duuo Platform API (OpenAPI 3.1, derived from Duuo's archived published Postman collection — not live-verified)
  - type: Overlay
    url: overlays/cooperators-duuo-platform-overlay.yaml
  - type: Authentication
    url: authentication/cooperators-authentication.yml
  - type: Conventions
    url: conventions/cooperators-conventions.yml
  - type: ErrorCatalog
    url: errors/cooperators-problem-types.yml
  - type: DataModel
    url: data-model/cooperators-data-model.yml
  - type: Sandbox
    url: sandbox/cooperators-sandbox.yml
    name: Partner Accepted Testing (PAT) environment and published test cards — credentials issued by a Partner Account Manager,
      not self-serve
  - type: Lifecycle
    url: lifecycle/cooperators-lifecycle.yml
  - type: Conformance
    url: conformance/cooperators-conformance.yml
  - type: AgenticAccess
    url: agentic-access/cooperators-agentic-access.yml
  - type: MCPServer
    url: mcp/cooperators-mcp.yml
    name: Duuo Platform MCP tool surface (CANDIDATE — derived from the OpenAPI, NOT published or hosted by the provider)
  - type: AgentSkill
    url: skills/_index.yml
    name: Agent skills for the two Duuo quote-and-bind flows
  - type: Arazzo
    url: arazzo/cooperators-event-insurance-quote-and-bind.yml
    name: Duuo event insurance — quote and bind
  - type: Arazzo
    url: arazzo/cooperators-tenant-insurance-quote-and-bind.yml
    name: Duuo tenant insurance — quote and bind
common:
- type: AgenticAccess
  url: agentic-access/cooperators-agentic-access.yml
- type: Authentication
  url: authentication/cooperators-authentication.yml
- type: DomainSecurity
  url: security/cooperators-domain-security.yml
- type: Website
  url: https://www.cooperators.ca/
- type: About
  url: https://www.cooperators.ca/en/about-us/corporate-overview
- type: SignIn
  url: https://www.cooperators.ca/en/advisors/sign-in
- type: InvestorRelations
  url: https://www.cooperators.ca/en/about-us/corporate-overview/investor-relations
- type: SecurityAndPrivacy
  url: https://www.cooperators.ca/en/security-privacy
- type: LinkedIn
  url: https://www.linkedin.com/company/co-operators
- type: TermsOfService
  url: https://www.cooperators.ca/en/security-privacy/legal
- type: PrivacyPolicy
  url: https://www.cooperators.ca/en/security-privacy/privacy-policy
- type: Support
  url: https://www.cooperators.ca/en/contact-us
- type: News
  url: https://www.cooperators.ca/en/about-us/newsroom
- type: Blog
  url: https://duuo.ca/blog/
  name: Duuo blog (the group's only public developer-adjacent publishing surface)
- type: Careers
  url: https://www.cooperators.ca/en/about-us/careers
- type: Sustainability
  url: https://www.cooperators.ca/en/about-us/sustainability
- type: CodeOfConduct
  url: https://www.cooperators.ca/en/about-us/code-of-ethics-business-conduct
- type: Accessibility
  url: https://www.cooperators.ca/en/client-resources/accessibility-plan-details
- type: LLMsTxt
  url: llms/cooperators-llms.txt
- type: Conventions
  url: conventions/cooperators-conventions.yml
- type: ErrorCatalog
  url: errors/cooperators-problem-types.yml
- type: Lifecycle
  url: lifecycle/cooperators-lifecycle.yml
- type: Conformance
  url: conformance/cooperators-conformance.yml
- type: DataModel
  url: data-model/cooperators-data-model.yml
- type: Sandbox
  url: sandbox/cooperators-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com