Definity Financial

aid: definity-financial
url: https://raw.githubusercontent.com/api-evangelist/definity-financial/refs/heads/main/apis.yml
name: Definity Financial
kind: company
description: 'Definity Financial Corporation is a Canadian property and casualty insurance group headquartered in Waterloo,
  Ontario and listed on the Toronto Stock Exchange (DFY). It is the demutualized successor to Economical Mutual Insurance
  Company, founded in 1871 in Berlin (now Kitchener), Ontario; policyholders approved demutualization in May 2021 and the
  company completed its IPO in November 2021, renaming the operating carrier Definity Insurance Company. Definity underwrites
  personal and commercial property, automobile, farm, and pet lines across Canada through four brands: Economical (broker-distributed
  home, auto, farm and business insurance), Sonnet (described by the company as the largest fully digital direct-to-consumer
  insurance business in Canada), Family Insurance Solutions, and Petline/Petsecure (pet insurance). It is one of the Big Few
  Canadian P&C carriers and reported roughly $6.3B in gross written premiums on a trailing-twelve-month pro-forma basis including
  its Travelers Canada acquisition. Its API posture is partner-gated and honest to state plainly: Definity publishes no public,
  self-serve developer portal and no downloadable OpenAPI, Swagger, GraphQL, or AsyncAPI definition on any first-party host.
  Every developer-shaped subdomain of definityfinancial.com fails to resolve, an api.definity.com host exists behind Imperva
  but answers HTTP 404 with an empty body to every anonymous path including OAuth and OpenID discovery, and the only reachable
  broker surface, broker.economical.com, is a Docebo learning management system for broker training rather than an API reference.
  The gated API is nonetheless real and independently attested: CSIO, Canada''s property-and-casualty data-standards body
  and the domestic counterpart to ACORD, certified Definity against its API Security Standards on 27 November 2024 — the industry''s
  standard authentication and authorization API model for insurer-to-broker-management-system connectivity, requiring confirmed
  mitigation of 16 OAuth security concerns and 18 API endpoint concerns — and Definity is additionally CSIO eDocs Certified
  and Compliance Certified (all non-standard Z-Codes eliminated from broker data exchange). Its Vyne broker digital platform
  runs on Guidewire Cloud, which Definity was the first Canadian P&C insurer to adopt for its core insurance platform. Two
  brands, Sonnet and Economical, publish real hand-authored llms.txt documents with explicit AI-training, generation, summarization
  and crawling directives, including named directives for OpenAI, Google-DeepMind and Anthropic. All of this sits in a Canadian
  market where OSFI supervises prudentially, the provinces regulate conduct, and Consumer-Driven Banking excludes insurance
  entirely, so no open-insurance mandate forces a public API surface and standardization is industry-led through CSIO instead.'
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: open
  trial: false
  try_now: false
  public: true
  label: Open access
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Canada
- Property and Casualty
- Carrier
- Underwriting
- Claims
- Brokers
- Pet Insurance
- Direct to Consumer
- Partner Gated
- CSIO
- Insurtech
tags_raw:
- Insurance
- Canada
- Property and Casualty
- Carrier
- Underwriting
- Claims
- Broker
- Pet Insurance
- Direct to Consumer
- Partner Gated
- CSIO
- Insurtech
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis: []
common:
- type: Website
  url: https://www.definityfinancial.com/
- type: Website
  name: Economical Insurance
  url: https://www.economical.com/
- type: Website
  name: Sonnet Insurance
  url: https://www.sonnet.ca/
- type: Website
  name: Petsecure
  url: https://www.petsecure.com/
- type: Postman
  url: https://www.postman.com/definity-insurance
- type: Blog
  name: Economical Insurance blog
  url: https://www.economical.com/en/blog
- type: Blog
  name: Sonnet Insurance blog
  url: https://www.sonnet.ca/blog
- type: Support
  name: Economical contact us
  url: https://www.economical.com/en/contact-us
- type: HelpCenter
  name: Sonnet FAQs
  url: https://www.sonnet.ca/faqs
- type: SignUp
  name: Sonnet get a quote
  url: https://www.sonnet.ca/get-a-quote
- type: Login
  name: Sonnet account log in
  url: https://www.sonnet.ca/account-log-in
- type: TermsOfService
  name: Economical terms of use
  url: https://www.economical.com/en/terms-of-use
- type: TermsOfService
  name: Sonnet terms of use
  url: https://www.sonnet.ca/terms-of-use
- type: PrivacyPolicy
  name: Economical privacy
  url: https://www.economical.com/en/privacy
- type: PrivacyPolicy
  name: Sonnet privacy
  url: https://www.sonnet.ca/privacy
- type: Compliance
  name: CSIO certified members register — Definity is API Security, eDocs and Compliance Certified
  url: https://csio.com/csio-certification/certified-members
- type: Standard
  name: CSIO — Centre for Study of Insurance Operations
  url: https://csio.com/
- type: Conformance
  name: Standards conformance and CSIO certifications
  url: conformance/definity-financial-conformance.yml
- type: Authentication
  name: Authentication posture (gated, CSIO-attested)
  url: authentication/definity-financial-authentication.yml
- type: Lifecycle
  name: Versioning, deprecation, SLA and status posture
  url: lifecycle/definity-financial-lifecycle.yml
- type: WellKnown
  name: Well-known and site-root discovery probe index
  url: well-known/definity-financial-well-known.yml
- type: DomainSecurity
  name: TLS, HSTS, DNSSEC, CAA, SPF and DMARC probe
  url: security/definity-financial-domain-security.yml
- type: LLMsTxt
  name: Definity Financial llms.txt
  url: llms/definity-financial-llms.txt
- type: LLMsTxt
  name: Sonnet llms.txt (published, saved verbatim)
  url: llms/definity-financial-sonnet-llms.txt
- type: LLMsTxt
  name: Economical llms.txt (published, saved verbatim)
  url: llms/definity-financial-economical-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com