Kinro

Kinro is an AI-powered commercial insurance brokerage for small businesses, founded in the Y Combinator Spring 2026 batch and based in San Francisco. Its autonomous AI agents run the full broker workflow around the clock, from prospect identification and quote preparation through comparison, binding, and ongoing certificate and renewal servicing. Kinro targets the roughly 77% of the 36 million U.S. small businesses that are underinsured because traditional brokers cannot profitably serve low-premium accounts. It is licensed across 30 states, appointed by 15+ carriers with access to 50+ markets, and offers general liability, business owner's policies, workers' compensation, commercial auto and trucking, professional liability, cyber, and more. Kinro was surfaced as a Y Combinator portfolio company and enriched in the API Evangelist network; it currently publishes no public developer API surface.

Kinro is profiled on the APIs.io network. Tagged areas include Company, Insurance, Insurtech, Artificial Intelligence, and Small Business.

Kinro’s developer surface includes engineering blog and 4 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

5.9/100 minimal ▬ flat Agent 0/100 human only Front door AI 3/6 light Heartbeat 61/100 slowing Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

0 APIs

Company Insurance Insurtech Artificial Intelligence Small Business Commercial Insurance Brokerage Automation Y Combinator

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 5.9/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 2.2 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 0.5 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 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 0 / 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
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) Ask about this →
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) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Developer Ergonomics scores 2.4 — up to +19.5 composite points Ask about this →
Access Clarity scores 12.8 — up to +17.4 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/kinro/apis.yml: open an issue on github.com/api-evangelist/kinro 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 →

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Kinro

21 quoted statements, read from Kinro's own page on 2026-11-09.

PRIVACY

Security Posture 1

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

Kinro Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

DataProcessing

DataProcessing

Source (apis.yml)

aid: kinro
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/kinro.png
name: Kinro
description: Kinro is an AI-powered commercial insurance brokerage for small businesses, founded in the Y Combinator Spring
  2026 batch and based in San Francisco. Its autonomous AI agents run the full broker workflow around the clock, from prospect
  identification and quote preparation through comparison, binding, and ongoing certificate and renewal servicing. Kinro targets
  the roughly 77% of the 36 million U.S. small businesses that are underinsured because traditional brokers cannot profitably
  serve low-premium accounts. It is licensed across 30 states, appointed by 15+ carriers with access to 50+ markets, and offers
  general liability, business owner's policies, workers' compensation, commercial auto and trucking, professional liability,
  cyber, and more. Kinro was surfaced as a Y Combinator portfolio company and enriched in the API Evangelist network; it currently
  publishes no public developer API surface.
url: https://raw.githubusercontent.com/api-evangelist/kinro/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Insurance
- Insurtech
- Artificial Intelligence
- Small Business
- Commercial Insurance
- Brokerage
- Automation
- Y Combinator
tags_raw:
- Company
- Insurance
- InsurTech
- Artificial Intelligence
- Small Business
- Commercial Insurance
- Brokerage
- Automation
- Y Combinator
apis: []
common:
- type: DomainSecurity
  url: security/kinro-domain-security.yml
- type: Website
  url: https://www.kinro.com/
- type: Blog
  url: https://www.kinro.com/blog
- type: PrivacyPolicy
  url: https://www.kinro.com/privacy-policy
- type: DataProcessing
  url: privacy/kinro-privacy-policy.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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