Origami Risk is a Chicago-headquartered risk, safety and insurance SaaS company founded in 2009 that began as a single-version cloud RMIS (risk management information system) and grew into a core-systems platform for the United States property and casualty market. It sells policy administration, digital underwriting, rating, billing, premium audit, claims administration, compliance and EHS/GRC modules to carriers, MGAs, program administrators, third-party administrators, risk pools, brokers, healthcare systems and large self-insureds, across workers' compensation, medical professional liability, personal auto and homeowners lines. Unlike most US insurance organizations, Origami Risk sits in the software layer between carriers and distribution and therefore does publish a genuinely public, self-serve developer portal at developers.origamirisk.com — a ReadMe-hosted reference readable without login, covering quote and proposal creation, rating, bind, policy issue/endorse/cancel, billing and payments, claims-from-incident and first-report actions, files, reports, domain metadata and outbound webhooks. Four OpenAPI definitions are downloadable from the portal's spec registry, though three of the four are thin scaffolds and the bulk of the reference is hand-authored per-endpoint documentation rather than a complete machine-readable spec. Access to a live tenant is still commercial — the base URL is a per-customer https://{environment}.origamirisk.com host and authentication is token-based or HMAC against a provisioned account — and no ACORD, AL3, IVANS or NGDS conformance is claimed anywhere in the marketing site or the developer portal.
Origami Risk publishes 11 API contracts indexed on the APIs.io network, including Authentication API, Has Token Expired API, New Endpoint 1 API, and 8 more. Tagged areas include Insurance, United States, Property and Casualty, Policy Administration, and Claims.
The Origami Risk catalog on APIs.io includes 1 event-driven AsyncAPI specification.
Origami Risk’s developer surface includes authentication, changelog, sandbox, documentation, API reference, getting-started guide, support, and 36 more developer resources.
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/origami-risk: open an issue to ask a question, or submit a pull request to add artifacts.
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Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market:
its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted:
not part of the Kin Score or agent readiness.
Registered MCP server and declares compatibility are report only — not weighted.
Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Issue-side policy administration — accept, reject, undo-accept, undo-reject and undo-binding a bound proposal to issue a policy, then endorse, cancel, reinstate, change billing ...
Billing account operations including making and reversing payments, plus an online policy payment surface integrated with the One Inc payment gateway covering payment submission...
Real-time and queued platform actions triggered against any domain record — including creating a claim from an incident (the FNOL path), FirstReport, Reserve, Review, RootCause,...
Inbound webhook surface for the Origami Risk platform. An Origami "webhook handler" is a bespoke endpoint built inside Origami by the services team that an external system posts...
Reporting surface for requesting a report run, retrieving report details and options, validating a report filter, and converting between the platform's view-filter string form a...
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
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