Kinro website screenshot

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 3 more developer resources.

🌐 Visit website 📡 Source on GitHub
11.2/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyInsuranceInsurTechArtificial IntelligenceSmall BusinessCommercial InsuranceBrokerageAutomationY Combinator

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 11.2/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.4 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/kinro: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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

Source (apis.yml)

apis.yml Raw ↑ 
aid: kinro
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  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: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- 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
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