# Ki Insurance

**Canonical:** https://apis.io/providers/ki-insurance/  
**Website:** https://ki-insurance.com/  
**APIs profiled:** 1

Ki is the first fully digital, algorithmically driven syndicate at Lloyd's of London, launched in 2020 out of Brit with Google Cloud and University College London and capitalised with US$500m from Blackstone Tactical Opportunities and Fairfax Financial. Operating from the United Kingdom as Lloyd's Syndicate 1618, Ki writes follow-only capacity across specialty lines — property, casualty and specialty — quoting risks that a lead underwriter has already priced, in seconds rather than days, through an algorithm rather than a face-to-face negotiation in the Room. Brokers reach Ki through app.ki-insurance.com, a partner-gated single-page platform behind an Auth0 authorization-code login, and Ki announced a "Broker API" in May 2021 that lets partner broking platforms request quotes directly from the algorithm. That API posture is entirely partner-gated: there is no developer portal, no public reference documentation, no self-serve signup, no provider-published OpenAPI or Postman collection, and no public webhook or event catalog. What is observable is the platform API itself — Ki's own broker client ships a complete endpoint registry in its public JavaScript bundle, exposing a same-origin REST surface of roughly a hundred JSON operations across quotes, quote lines, pricing, schedules of values, slip extraction, leads, pipeline, broking houses, nominated leads and Lloyd's risk codes, all authorised with an Auth0 bearer token. API Evangelist has derived an observed OpenAPI from that bundle. Ki remains the archetype of the United Kingdom's London-market pattern: genuinely advanced machine-to-machine insurance placement infrastructure, aimed at brokers and syndicates rather than at developers, and therefore effectively invisible from the outside.

## Kin Score — 38.6 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 38.6).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 58.7 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 16.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 63.6 (matched via tags).

## Agent readiness — 32.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **Ki Broker Trading Platform API** — The same-origin REST API behind app.ki-insurance.com, the partner-gated broker trading platform where Lloyd's brokers place risks with Ki's follow algorithm. Ki publishes no ref...

## MCP servers (1)

- **Ki Insurance MCP Server**

## Agentic access (1)

- **Ki Insurance Agentic Access** — 109 operations · 38 acting · 1 human-in-the-loop

## Security (2)

- **Ki Insurance Authentication** — http/openIdConnect/oauth2 · 3 schemes
- **Ki Insurance Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, United Kingdom, Lloyd's of London, Specialty Insurance, Property and Casualty, Underwriting, Insurtech, Brokers, Algorithmic Underwriting, Reinsurance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ki-insurance/). Scores are computed from the provider's own public artifacts under a published rubric.