CoverForce is a commercial insurance distribution infrastructure platform headquartered in New York City. It provides a unified RESTful API and white-label software that let insurance agencies, agency networks, wholesalers, carriers, insurtechs, and developers digitally submit, quote, compare, bind, pay, and issue commercial insurance policies across 40+ carriers and MGAs through a single integration. Coverage spans Workers' Compensation, General Liability, Business Owners Policy (BOP), Cyber, Commercial Auto, Inland Marine, Management Liability (D&O, EPLI, Fiduciary), Product Liability, and Miscellaneous Professional Liability across all 50 US states. The API exposes Applications, Quotes, Bind, Document AI, Renewals, Appetite, Status, Analytics, and Documents endpoints, backed by AI capabilities for document reading and carrier-code mapping. Founded in 2021 and backed by Insight Partners, Nyca Partners, and QED Investors; named to the CB Insights Insurtech 50 in 2025.
Coverforce is listed with 1 API on the APIs.io network. Tagged areas include Company, Insurance, Insurtech, Commercial Insurance, and Insurance Distribution.
Coverforce’s developer surface includes documentation, API reference, signup flow, support, engineering blog, and 14 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.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for
this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero:
never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and
several others — scorable at all.
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/.
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Agent readiness — checks not met, largest first (exact, from this profile):
Machine-Readable Auth+10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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)
Stable Error Semantics+8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
13 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
The Kin Score Market layer reads a provider inside its market:
its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted:
not part of the Kin Score or agent readiness.
Registered MCP server and declares compatibility are report only — not weighted.
Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Unified commercial insurance API connecting to 40+ carriers and MGAs through a single integration. Documented endpoint families include Applications (create and submit in a unif...
aid: coverforce
name: Coverforce
description: CoverForce is a commercial insurance distribution infrastructure platform headquartered in New York City. It
provides a unified RESTful API and white-label software that let insurance agencies, agency networks, wholesalers, carriers,
insurtechs, and developers digitally submit, quote, compare, bind, pay, and issue commercial insurance policies across 40+
carriers and MGAs through a single integration. Coverage spans Workers' Compensation, General Liability, Business Owners
Policy (BOP), Cyber, Commercial Auto, Inland Marine, Management Liability (D&O, EPLI, Fiduciary), Product Liability, and
Miscellaneous Professional Liability across all 50 US states. The API exposes Applications, Quotes, Bind, Document AI, Renewals,
Appetite, Status, Analytics, and Documents endpoints, backed by AI capabilities for document reading and carrier-code mapping.
Founded in 2021 and backed by Insight Partners, Nyca Partners, and QED Investors; named to the CB Insights Insurtech 50
in 2025.
url: https://raw.githubusercontent.com/api-evangelist/coverforce/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
model: saas
open_source: false
commercial: true
callable_host: false
label: Hosted service · you call their endpoint
confidence: medium
source:
- pricing
generated: '2026-08-28'
method: derived
accessModel:
pricing: unknown
onboarding: unknown
trial: false
try_now: false
public: false
label: Unknown
confidence: low
source:
- security
generated: '2026-11-02'
method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://cdn.prod.website-files.com/62fb0fee9797e7c02c446c87/63f67f2011a086a2ce4b6077_CoverForce%20Primary%20Icon%20256x256.png
x-docs-platform: stoplight
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-24
tags:
- Company
- Insurance
- Insurtech
- Commercial Insurance
- Insurance Distribution
- Embedded Insurance
- Underwriting
- Document AI
tags_raw:
- Company
- Insurance
- Insurtech
- Commercial Insurance
- Insurance Distribution
- API
- Embedded Insurance
- Underwriting
- Document AI
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
- FN: APIs.json
email: info@apis.io
apis:
- name: CoverForce API
description: Unified commercial insurance API connecting to 40+ carriers and MGAs through a single integration. Documented
endpoint families include Applications (create and submit in a unified JSON schema), Quotes (retrieve comparable multi-carrier
quotes), Bind (request bindable terms), Document AI (extract and populate application data from uploaded documents), Renewals,
Appetite (query carrier eligibility dynamically), Status (real-time application/quote status), Analytics, and Documents.
Access to the developer portal and sandbox is granted on request.
humanURL: https://www.coverforce.com/api
properties:
- type: Documentation
url: https://coverforce.stoplight.io/
- type: APIReference
url: https://coverforce.stoplight.io/
- type: LLMsTxt
url: llms/coverforce-llms.txt
- type: X-MCPServerCandidate
url: mcp/coverforce-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.'
common:
- type: Website
url: https://www.coverforce.com/
- type: DeveloperPortal
url: https://coverforce.stoplight.io/
- type: Documentation
url: https://coverforce.stoplight.io/
- type: APIReference
url: https://coverforce.stoplight.io/
- type: SignUp
url: https://www.coverforce.com/api-access
- type: Login
url: https://webapp.coverforce.com/login
- type: Support
url: https://helpcenter.coverforce.com/
- type: HelpCenter
url: https://helpcenter.coverforce.com/
- type: Blog
url: https://www.coverforce.com/blog
- type: PrivacyPolicy
url: https://www.coverforce.com/privacy-policy
- type: TermsOfService
url: https://www.coverforce.com/terms-of-service
- type: LinkedIn
url: https://www.linkedin.com/company/coverforceinc
- type: LLMsTxt
url: llms/coverforce-llms.txt
- type: WellKnown
url: well-known/coverforce-well-known.yml
- type: DomainSecurity
url: security/coverforce-domain-security.yml
- type: Conformance
url: conformance/coverforce-conformance.yml
- type: Compliance
url: https://www.coverforce.com/security
- type: TrustCenter
url: security/coverforce-trust-center.yml
- type: X-MCPServerCandidate
url: mcp/coverforce-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.'
x-enrichment:
date: '2026-07-19'
status: backfilled
pass: local-v1
note: backfilled from .gitignore signal + verified work evidence
Coverforce API — frequently asked questions
Does Coverforce have an API?
Yes. APIs.io lists 1 API from Coverforce, including CoverForce API.
Is the Coverforce API ready for AI agents?
Coverforce has a Kin Score of 27.0 out of 100 (thin) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-02.
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