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.
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Insurance regime, so
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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
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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
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
- 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
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