# Coterie Insurance

**Canonical:** https://apis.io/providers/coterie/  
**Website:** https://coterieinsurance.com/  
**APIs profiled:** 6

Coterie Insurance is a technology-first commercial insurance provider for small businesses, offering Business Owners Policy (BOP), General Liability (GL), Professional Liability (PL), and Workers' Compensation (WC). Its REST API lets appointed agents and digital partners build applications, generate bindable quotes, bind and issue policies, look up industry/NAICS classifications, retrieve policy documents, and subscribe to webhooks for an embedded small-business insurance experience.

## Kin Score — 35.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 35.8).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 49.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Insurance**: 43.9 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

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

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (6)

- **Coterie Insurance Applications API** — Commercial applications describing the insured business.
- **Coterie Insurance Documents API** — Policy documents and proposals.
- **Coterie Insurance Industry API** — Industry / NAICS classification lookup.
- **Coterie Insurance Policies API** — Binding and issuing policies from bindable quotes.
- **Coterie Insurance Quotes API** — Rated, bindable quotes and underwriting questions.
- **Coterie Insurance Webhooks API** — Webhook subscription management.

## Agentic access (1)

- **Coterie Agentic Access** — 13 operations · 6 acting

## Security (2)

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

## Plans (1)

- **Coterie Plans Pricing**

## Tags

Insurance, Commercial Insurance, Small Business, Embedded Insurance, Insurtech

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