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.
The Co-operators publishes 1 API on the APIs.io network: Duuo Platform API. Tagged areas include Insurance, Canada, Property and Casualty, Life Insurance, and Group Benefits.
The Co-operators’ developer surface includes authentication, support, product news, engineering blog, sandbox, and 21 more developer resources.
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.
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/.
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,...
The full Duuo event insurance partner flow in Duuo's mandatory order: create the entity, price the event, retrieve the quote for display, then generate the Duuo-hosted payment r...
The full Duuo tenant (renters) insurance partner flow in Duuo's mandatory order: check eligibility with consent, add the risk detail and price it into four options, record the s...
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
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