CoverWallet

CoverWallet, an Aon company, is a digital insurance marketplace with a REST API for quoting, binding, and managing small business insurance policies across multiple carriers. The platform supports general liability, business owners policy (BOP), professional liability, workers compensation, commercial property, and other commercial lines. Partners can integrate real-time quoting, underwriting, binding, billing, and servicing capabilities directly into their applications.

CoverWallet is listed with 1 API on the APIs.io network: Insurance API. Tagged areas include Insurance, Small Business, Commercial Insurance, General Liability, and BOP.

CoverWallet’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

13.7/100 emerging ▬ flat Agent 14/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Insurance Small Business Commercial Insurance General LiabilityBOPProfessional Liability InsurtechAon

Kin Score

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

Composite quality — 13.7/100 · emerging

Contract Quality 5.1 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.9 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 14/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 0.0 — up to +20.0 composite points
Contract Quality scores 24.0 — up to +19.0 composite points
Access Clarity scores 5.3 — up to +18.9 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/coverwallet/apis.yml: open an issue on github.com/api-evangelist/coverwallet 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 1

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)

APIs 1

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

CoverWallet Insurance API

REST API for quoting and binding small business commercial insurance policies across multiple carriers including Liberty Mutual, CNA, Chubb, Travelers, Hiscox, and others. Suppo...

CoverWallet API pricing

Not yet checked against CoverWallet's own pricing page. Compiled by API Evangelist on 2026-06-13; confirm before you rely on a figure.

Plan	Price
Partner API Access	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Coverwallet Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Coverwallet Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Coverwallet Finops

FINOPS

Security Posture 1

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

Coverwallet Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: coverwallet
name: CoverWallet
description: CoverWallet, an Aon company, is a digital insurance marketplace with a REST API for quoting, binding, and managing
  small business insurance policies across multiple carriers. The platform supports general liability, business owners policy
  (BOP), professional liability, workers compensation, commercial property, and other commercial lines. Partners can integrate
  real-time quoting, underwriting, binding, billing, and servicing capabilities directly into their applications.
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:
  - plans
  - security
  - url: https://www.coverwallet.com/
    status: 301
    note: declared website redirects to https://www.aonaffinity.com/traffic-director/ — a different registrable domain (coverwallet.com
      -> aonaffinity.com), possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/coverwallet.png
url: https://raw.githubusercontent.com/api-evangelist/coverwallet/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
type: Index
tags:
- Insurance
- Small Business
- Commercial Insurance
- General Liability
- BOP
- Professional Liability
- Insurtech
- Aon
tags_raw:
- Insurance
- Small Business
- Commercial Insurance
- General Liability
- BOP
- Professional Liability
- InsurTech
- Aon
apis:
- aid: coverwallet:coverwallet-api
  name: CoverWallet Insurance API
  description: REST API for quoting and binding small business commercial insurance policies across multiple carriers including
    Liberty Mutual, CNA, Chubb, Travelers, Hiscox, and others. Supports real-time estimates, policy purchase, and insurance
    document management including certificates of insurance.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.coverwallet.com/api
  baseURL: https://api.coverwallet.com/api/v1
  tags:
  - Insurance
  - Commercial Lines
  - Quoting
  - Bindings
  - Policy Management
  tags_raw:
  - Insurance
  - Commercial Lines
  - Quoting
  - Binding
  - Policy Management
  properties:
  - type: Documentation
    url: https://www.coverwallet.com/api
  - type: OpenAPI
    url: https://apidocs.aoncover.biz/swagger/public-api/openapi.json
common:
- type: DomainSecurity
  url: security/coverwallet-domain-security.yml
- type: Website
  url: https://www.coverwallet.com/
- type: Documentation
  url: https://www.coverwallet.com/api
- type: GitHubOrg
  url: https://github.com/coverwallet
- type: LinkedIn
  url: https://www.linkedin.com/company/coverwallet
- type: Blog
  url: https://www.coverwallet.com/expert-insights
- type: Pricing
  url: https://www.coverwallet.com/api
- type: StatusPage
  url: https://status.coverwallet.com/
- type: X
  url: https://twitter.com/CoverWallet
- type: Plans
  url: plans/coverwallet-plans-pricing.yml
- type: RateLimits
  url: rate-limits/coverwallet-rate-limits.yml
- type: FinOps
  url: finops/coverwallet-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

CoverWallet API — frequently asked questions

Does CoverWallet have an API?

Yes. APIs.io lists 1 API from CoverWallet, including CoverWallet Insurance API.

Is there an OpenAPI specification for the CoverWallet API?

Yes. APIs.io indexes 1 OpenAPI specification for CoverWallet, each linked for download from this page.

How much does the CoverWallet API cost?

APIs.io lists 1 pricing plan for CoverWallet, with each plan's price, limits and inclusions under Pricing on this page.

Is the CoverWallet API ready for AI agents?

CoverWallet has a Kin Score of 13.7 out of 100 (emerging) and an Agent Readiness score of 13.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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