Open

Open Insurance Pty Limited (ABN 23 166 949 444, AFSL 451712), trading as Open, is an Australian insurtech and underwriting agency that packages car, home and contents, landlord and travel cover as an embedded product other brands can sell. Open is not a carrier — it holds a binding authority from the insurer, acts as the insurer's agent to issue, vary, renew and cancel policies and to handle claims, and appoints partner brands as authorised representatives. Huddle Insurance is a business name of Open, and partner programs include Bupa and the SuperSaveClub marketplace; the business also operates in the United Kingdom and New Zealand from its Australian home market. Its API posture is real but narrow and partner-gated. Open runs a public, unauthenticated ReadMe developer hub at developers.beopen.com covering the Open.js browser SDK, the Open.Widget embed and a URL-handover redirect, plus exactly one documented server-side REST operation — POST /v1/policy/coc, Retrieve a Certificate of Currency — for which a real OpenAPI 3.0.3 definition is published. Quote is only prepared and polled through the SDK; bind, issue, policy servicing and claims all happen inside Open's hosted (optionally white-labelled) journey rather than over an API, and there is no public FNOL, webhook, GraphQL or Postman surface. API keys and secrets are issued by Open at partner account creation — there is no self-serve signup — and no ACORD, AL3 or NGDS reference appears anywhere on the site or in the documentation.

Open publishes 1 API on the APIs.io network: Policy API. Tagged areas include Insurance, Australia, Insurtech, Embedded Insurance, and Property and Casualty.

Open’s developer surface includes documentation, API reference, authentication, status page, developer portal, getting-started guide, support, and 32 more developer resources.

🌐 Visit website 📡 Source on GitHub

43.3/100 developing ▬ flat Agent 38/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Insurance Australia Insurtech Embedded Insurance Property and Casualty Travel Insurance Underwriting Policy Administration White Label Quotes

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 43.3/100 · developing

Contract Quality 8.6 / 19

Developer Ergonomics 8.0 / 15

Access Clarity 6.3 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 6.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 5 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 github.com/api-evangelist/open-insurance: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Open.js Embedded Insurance SDK

Open's browser JavaScript library for embedding insurance into a partner's web app. Documented methods are opensdk.quote.load, opensdk.quote.prepare, opensdk.quote.portal, opens...

Open Policy API

The Policy API from Open — 1 operation(s) for policy.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Open Insurance API

OPEN COLLECTION

Security Posture 2

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

Open Insurance Authentication

apiKey/jwt-bearer (deprecated) · 5 schemes

SECURITY

Open Insurance Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Open Insurance Agentic Access

1 operation · 1 acting

1 operations · 1 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Portal

Portal

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 6

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCodes

Conventions

ErrorCatalog

Lifecycle

Conformance

Components

DataModel

Scroll for all 7

Build 4

SDKs, sample code, and the tooling you integrate with

DeclineCodes

Packages

SDKs

ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

Compliance

Authentication

Operate 4

Status, limits, changes, and where to get help

Status

Contact

Support

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: open-insurance
url: https://raw.githubusercontent.com/api-evangelist/open-insurance/refs/heads/main/apis.yml
name: Open
kind: company
description: Open Insurance Pty Limited (ABN 23 166 949 444, AFSL 451712), trading as Open, is an Australian insurtech and
  underwriting agency that packages car, home and contents, landlord and travel cover as an embedded product other brands
  can sell. Open is not a carrier — it holds a binding authority from the insurer, acts as the insurer's agent to issue, vary,
  renew and cancel policies and to handle claims, and appoints partner brands as authorised representatives. Huddle Insurance
  is a business name of Open, and partner programs include Bupa and the SuperSaveClub marketplace; the business also operates
  in the United Kingdom and New Zealand from its Australian home market. Its API posture is real but narrow and partner-gated.
  Open runs a public, unauthenticated ReadMe developer hub at developers.beopen.com covering the Open.js browser SDK, the
  Open.Widget embed and a URL-handover redirect, plus exactly one documented server-side REST operation — POST /v1/policy/coc,
  Retrieve a Certificate of Currency — for which a real OpenAPI 3.0.3 definition is published. Quote is only prepared and
  polled through the SDK; bind, issue, policy servicing and claims all happen inside Open's hosted (optionally white-labelled)
  journey rather than over an API, and there is no public FNOL, webhook, GraphQL or Postman surface. API keys and secrets
  are issued by Open at partner account creation — there is no self-serve signup — and no ACORD, AL3 or NGDS reference appears
  anywhere on the site or in the documentation.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Australia
- Insurtech
- Embedded Insurance
- Property and Casualty
- Travel Insurance
- Underwriting
- Policy Administration
- White Label
- Quotes
tags_raw:
- Insurance
- Australia
- Insurtech
- Embedded Insurance
- Property and Casualty
- Travel Insurance
- Underwriting
- Policy Administration
- White Label
- Quote
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: open-insurance:open-js-embedded-insurance-sdk
  name: Open.js Embedded Insurance SDK
  description: Open's browser JavaScript library for embedding insurance into a partner's web app. Documented methods are
    opensdk.quote.load, opensdk.quote.prepare, opensdk.quote.portal, opensdk.quote.status, opensdk.quote.history, opensdk.magiclink
    and opensdk.manage.portal. It creates and pre-fills a quote and polls its status, then hands the customer to Open's hosted
    portal to complete purchase, manage the policy and claim — bind and issue are not exposed as API calls. The library defaults
    to the api.beopen.com backend (api.sandbox.beopen.com in sandbox) and portal.beopen.com, and is served from https://opensdk.s3-ap-southeast-2.amazonaws.com/opensdk-1.3.0.min.js.
    Sibling integration surfaces documented in the same hub are Open.Widget and a URL handover redirect.
  humanURL: https://developers.beopen.com/docs/openjs
  baseURL: https://api.beopen.com
  tags:
  - Insurance
  - Embedded Insurance
  - SDK
  - Quotes
  tags_raw:
  - Insurance
  - Embedded Insurance
  - SDK
  - Quote
  properties:
  - type: APIReference
    url: https://developers.beopen.com/docs/openjs
  - type: Documentation
    url: https://developers.beopen.com/docs/using-openjs
  - type: Documentation
    url: https://developers.beopen.com/docs/prepare-a-quote
  - type: Documentation
    url: https://developers.beopen.com/docs/check-quote-status
  - type: Documentation
    url: https://developers.beopen.com/docs/retrieve-quote-history
  - type: Documentation
    url: https://developers.beopen.com/docs/redirect-to-portal
  - type: Documentation
    url: https://developers.beopen.com/docs/redirect-to-policy-portal
  - type: Documentation
    url: https://developers.beopen.com/docs/request-a-magic-link
  - type: Documentation
    url: https://developers.beopen.com/docs/authenticating-using-jwt
  - type: Documentation
    url: https://developers.beopen.com/docs/embedded-widget
  - type: Documentation
    url: https://developers.beopen.com/docs/url-handover
  - type: Documentation
    url: https://developers.beopen.com/docs/domain-white-labelling
- aid: open-insurance:open-insurance-policy-api
  name: Open Policy API
  description: The Policy API from Open — 1 operation(s) for policy.
  humanURL: https://developers.beopen.com/reference/coc
  baseURL: https://api.beopen.com
  tags:
  - Policy
  properties:
  - type: OpenAPI
    url: openapi/open-insurance-policy-api-openapi.yml
  - type: APIReference
    url: https://developers.beopen.com/reference/coc
  - type: Documentation
    url: https://developers.beopen.com/docs/welcome
  - type: Documentation
    url: https://developers.beopen.com/docs/keys
  - type: Documentation
    url: https://developers.beopen.com/docs/errors
common:
- type: CapabilityMap
  url: capabilities/open-insurance-capability-edges.yml
  name: Open Business Capability Map
- type: Overlay
  url: overlays/open-insurance-certificate-of-currency-overlay.yaml
- type: DomainSecurity
  url: security/open-insurance-domain-security.yml
- type: AgenticAccess
  url: agentic-access/open-insurance-agentic-access.yml
- type: Website
  url: https://www.beopen.com/
- type: Documentation
  url: https://developers.beopen.com/docs/welcome
- type: APIReference
  url: https://developers.beopen.com/reference
- type: Authentication
  url: https://developers.beopen.com/docs/keys
- type: ErrorCodes
  url: https://developers.beopen.com/docs/errors
- type: Status
  url: https://developers.beopen.com/docs/check-service-status
- type: LLMsTxt
  url: https://developers.beopen.com/llms.txt
- type: Portal
  url: https://insurance.beopen.com/
- type: Contact
  url: https://www.beopen.com/contact
- type: TermsOfService
  url: https://www.beopen.com/terms/australia
- type: LinkedIn
  url: https://www.linkedin.com/company/beopen
- type: DeveloperPortal
  url: https://developers.beopen.com/docs/welcome
- type: GettingStarted
  url: https://developers.beopen.com/docs/using-openjs
- type: Support
  url: https://www.beopen.com/contact
- type: Blog
  url: https://www.beopen.com/research
- type: PrivacyPolicy
  url: https://www.beopen.com/terms/australia
- type: Login
  url: https://insurance.beopen.com/
- type: StatusPage
  url: https://developers.beopen.com/docs/check-service-status
- type: Compliance
  url: https://www.beopen.com/terms/australia
- type: Authentication
  url: authentication/open-insurance-authentication.yml
- type: Conventions
  url: conventions/open-insurance-conventions.yml
- type: ErrorCatalog
  url: errors/open-insurance-problem-types.yml
- type: DeclineCodes
  url: errors/open-insurance-decline-codes.yml
- type: Lifecycle
  url: lifecycle/open-insurance-lifecycle.yml
- type: Conformance
  url: conformance/open-insurance-conformance.yml
- type: Sandbox
  url: sandbox/open-insurance-sandbox.yml
- type: Components
  url: components/open-insurance-components.yml
- type: DataModel
  url: data-model/open-insurance-data-model.yml
- type: Packages
  url: packages/open-insurance-packages.yml
- type: SDKs
  url: packages/open-insurance-packages.yml
- type: WellKnown
  url: well-known/open-insurance-well-known.yml
- type: X-MCPServerCandidate
  url: mcp/open-insurance-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/open-insurance-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/open-insurance-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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