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.
Definity Financial is profiled on the APIs.io network. Tagged areas include Insurance, Canada, Property and Casualty, Carrier, and Underwriting.
Definity Financial’s developer surface includes engineering blog, support, signup flow, authentication, and 21 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/.
Show this score on your site.
It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/definity-financial/"><img src="https://apis.io/badge/definity-financial/card.svg" alt="Definity Financial on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
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
12 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.
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.
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: false
gated: partner
gated_source:
- tag:Partner Gated
label: Open access
confidence: low
try_now_blocked_by: 'gated: partner'
source:
- authentication
- security
generated: '2026-11-06'
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
- Pet Insurance
- Direct to Consumer
- CSIO
- Insurtech
tags_raw:
- Insurance
- Canada
- Property and Casualty
- Carrier
- Underwriting
- Claims
- Pet Insurance
- Direct to Consumer
- 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
x-tags-removed:
- Brokers
- Partner Gated
Definity Financial API — frequently asked questions
How do I authenticate with the Definity Financial API?
Definity Financial uses bearer-token authentication (0 schemes). The details are profiled on APIs.io as Definity Financial Authentication.
Is the Definity Financial API ready for AI agents?
Definity Financial has a Kin Score of 21.9 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.
Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.
Get an API key
Free tier, no form to fill in. Signing in shares your email address with us — we
store it to create your key and to recognise you if you sign in with another
provider. See our Privacy Policy and
Terms.
Kin Score
How this is scored →
It updates itself when the score changes. Paste this where you link to your API docs: