# The Co-operators

**Canonical:** https://apis.io/providers/cooperators/  
**Website:** https://www.cooperators.ca/  
**APIs profiled:** 1

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.

## Kin Score — 25.3 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (+1.7 from 23.6).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 14.3 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 48.5 (matched via tags).

## Agent readiness — 40.0 (agent-ready)

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

## APIs (1)

- **Duuo Platform API** — 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,...

## MCP servers (1)

- **Duuo Platform MCP tool surface (CANDIDATE — derived from the OpenAPI, NOT published or hosted by the provider)**

## Agentic access (1)

- **Cooperators Agentic Access** — 10 operations · 9 acting

## Security (2)

- **Cooperators Authentication** — http/oauth2 · 2 schemes
- **Cooperators Domain Security** — TLSv1.3 · DMARC

## Tags

Insurance, Canada, Property and Casualty, Life Insurance, Group Benefits, Embedded Insurance, Co-operative, Wealth Management, Partner API

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