# Onlia

**Canonical:** https://apis.io/providers/onlia/  
**Website:** https://www.onlia.ca/  
**APIs profiled:** 0

Onlia is a Canadian digital insurance brokerage, operating as the registered business name of Onlia Agency Inc. and backed by Southampton Financial Inc. (the Southampton group of companies). It sells personal lines direct to consumers online and by phone — auto (car, motorcycle, ATV, snowmobile, trailer, motorhome), property (home, condo, tenant, landlord, second home, mobile home) and lifestyle lines (boat, pet, life, travel, seasonal) — plus group and bundle programs. Onlia does not underwrite; it places business with a panel of Canadian carriers disclosed publicly on its broker-disclosure page, including Aviva, Gore Mutual, Economical/Definity, Pembridge, Pafco, Echelon, Wawanesa, Unica, Forward, Premier, Facility Association (Intact) and APOLLO. Its home market is Canada, concentrated in Ontario, where market conduct sits with FSRA while OSFI supervises the federally-regulated carriers behind the policies. API posture, recorded honestly: Onlia publishes NO public developer portal and NO self-serve API. developer., developers., docs. and api. under onlia.ca do not resolve, and /developers, /api, /developer and /integrations on the marketing site all return 404. The only quote/bind/issue/FNOL surface is app.onlia.ca, a consumer-facing Angular single-page app running on a white-labelled Ignite Insurance policy administration platform whose backend is private to the app. The one "partner" page is a B2B marketing page inviting affinity discount partnerships by email, with no technical onboarding. No ACORD, AL3, ACORD XML or NGDS reference appears anywhere on the public site. The app's own bundle shows the private backend runs on MuleSoft Anypoint CloudHub ESB services (auto and home policy, authentication, documents, VIN/MVR, claims) plus an Ignite Insurance authentication service — real REST plumbing behind the SPA, but undocumented, uncredentialed and not offered to third parties, so no API entry is claimed here.

## Kin Score — 12.4 / 100 (emerging)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 12.4).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 21.2 (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 |

## Security (1)

- **Onlia Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, Canada, Property and Casualty, Insurtech, Brokers, Personal Lines, Auto Insurance, Home Insurance, Direct to Consumer, Ontario

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