# Kinro

**Canonical:** https://apis.io/providers/kinro/  
**Website:** https://www.kinro.com/  
**APIs profiled:** 0

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.

## Kin Score — 5.8 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 5.8).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Insurance**: 15.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Kinro Domain Security** — TLSv1.3 · DMARC

## Tags

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

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