The Co-operators

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 2 API contracts indexed on the APIs.io network: Event Insurance API and Tenant Insurance API. Tagged areas include Insurance, Canada, Property and Casualty, Life Insurance, and Group Benefits.

The The Co-operators catalog on APIs.io includes 1 Spectral governance ruleset.

The Co-operators’ developer surface includes authentication, support, product news, engineering blog, sandbox, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

29.9/100 thin ▬ flat Agent 31/100 agent ready Front door AI 1/6 silent Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Insurance Canada Property and Casualty Life Insurance Group Benefits Embedded Insurance Cooperative Wealth Management Partner API

Kin Score

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

Composite quality — 29.9/100 · thin

Contract Quality 2.6 / 19

Developer Ergonomics 7.4 / 15

Access Clarity 5.1 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 4.9 / 8

Regulatory Posture 4.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 13.9 — up to +21.5 composite points
Access Clarity scores 34.2 — up to +13.2 composite points
Operational Transparency scores 0.0 — up to +13.0 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/cooperators/apis.yml: open an issue on github.com/api-evangelist/cooperators 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 →

Standards implemented 2

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.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 2

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

The Co-operators Event Insurance API

Quote and bind Duuo event insurance. Ordered flow — create entity, create quote, get quote, make payment. With bindOnPayment=true (the default for API partners) the policy is cr...

The Co-operators Tenant Insurance API

Quote and bind Duuo tenant (renters) insurance. Ordered flow — check eligibility, update quote, add insured, make payment. Duuo notes that Get Quote Status and Get Policies were...

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Duuo Platform API

OPEN COLLECTION

Arazzo Workflows 2

Multi-step API workflows described with the Arazzo specification.

Duuo event insurance — quote and bind

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...

ARAZZO

Duuo tenant insurance — quote and bind

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...

ARAZZO

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Quote and bind Duuo event insurance

AGENT SKILL

Quote and bind Duuo tenant insurance

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

The Co-operators API Rules

59 rules · 57 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Cooperators Duuo Platform Overlay

6 actions · update · cooperators-duuo-platform-openapi.yml

DERIVED

Security Posture 2

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

Cooperators Authentication

http/oauth2 · 2 schemes

SECURITY

Cooperators Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Cooperators Agentic Access

10 operations · 9 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Sandbox

Sandbox

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgenticAccess

LLMsTxt

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

CodeOfConduct

CodeOfConduct

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

SecurityAndPrivacy

SecurityAndPrivacy

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 7

The organization behind the API

Website

Website

About

About

InvestorRelations

InvestorRelations

LinkedIn

News

News

Blog

Blog

Careers

Careers

Scroll for all 7

Other 4

Properties that don't map to a standard resource type

Overlay

SignIn

Sustainability

Accessibility

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
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
- Cooperative
- Wealth Management
- Partner API
tags_raw:
- 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: '0.23'
apis:
- aid: cooperators:cooperators-event-insurance-api
  name: The Co-operators Event Insurance API
  description: Quote and bind Duuo event insurance. Ordered flow — create entity, create quote, get quote, make payment. With
    bindOnPayment=true (the default for API partners) the policy is created and emailed automatically on successful payment;
    with bindOnPayment=false the partner must also call Create Policy and Email Policy.
  humanURL: https://duuo.ca/embedded-partners/
  tags:
  - Event Insurance
  properties:
  - type: OpenAPI
    url: openapi/cooperators-event-insurance-api-openapi.yml
  - 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/
  - type: Support
    url: https://intercom.help/duuo-support/en/
  - type: TermsOfService
    url: https://duuo.ca/terms-of-use
  - type: PrivacyPolicy
    url: https://duuo.ca/privacy
  - type: Blog
    url: https://duuo.ca/blog/
  - 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
  - type: Lifecycle
    url: lifecycle/cooperators-lifecycle.yml
  - type: Conformance
    url: conformance/cooperators-conformance.yml
  - type: AgenticAccess
    url: agentic-access/cooperators-agentic-access.yml
  - type: Arazzo
    url: arazzo/cooperators-event-insurance-quote-and-bind.yml
  - type: Arazzo
    url: arazzo/cooperators-tenant-insurance-quote-and-bind.yml
- aid: cooperators:cooperators-tenant-insurance-api
  name: The Co-operators Tenant Insurance API
  description: Quote and bind Duuo tenant (renters) insurance. Ordered flow — check eligibility, update quote, add insured,
    make payment. Duuo notes that Get Quote Status and Get Policies were documented as "to be released at a later date" and
    are not part of this surface.
  humanURL: https://duuo.ca/embedded-partners/
  tags:
  - Tenant Insurance
  properties:
  - type: OpenAPI
    url: openapi/cooperators-tenant-insurance-api-openapi.yml
  - 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/
  - type: Support
    url: https://intercom.help/duuo-support/en/
  - type: TermsOfService
    url: https://duuo.ca/terms-of-use
  - type: PrivacyPolicy
    url: https://duuo.ca/privacy
  - type: Blog
    url: https://duuo.ca/blog/
  - 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
  - type: Lifecycle
    url: lifecycle/cooperators-lifecycle.yml
  - type: Conformance
    url: conformance/cooperators-conformance.yml
  - type: AgenticAccess
    url: agentic-access/cooperators-agentic-access.yml
  - type: Arazzo
    url: arazzo/cooperators-event-insurance-quote-and-bind.yml
  - type: Arazzo
    url: arazzo/cooperators-tenant-insurance-quote-and-bind.yml
common:
- type: Overlay
  url: overlays/cooperators-duuo-platform-overlay.yaml
- type: X-MCPServerCandidate
  url: mcp/cooperators-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

The Co-operators API — frequently asked questions

Does The Co-operators have an API?

Yes. APIs.io lists 2 APIs from The Co-operators, including The Co-operators Event Insurance API and The Co-operators Tenant Insurance API.

Is there an OpenAPI specification for the The Co-operators API?

Yes. APIs.io indexes 2 OpenAPI specifications for The Co-operators, each linked for download from this page.

How do I authenticate with the The Co-operators API?

The Co-operators uses bearer-token authentication (http/oauth2 · 2 schemes). The details are profiled on APIs.io as Cooperators Authentication.

Is the The Co-operators API ready for AI agents?

The Co-operators has a Kin Score of 29.9 out of 100 (thin) and an Agent Readiness score of 30.5 (agent-ready), scored by API Evangelist on 2026-11-06.

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