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 and 1 Spectral governance ruleset.
Origami Risk’s developer surface includes authentication, changelog, sandbox, documentation, API reference, getting-started guide, support, and 37 more developer resources.
53.6/100developing▬ flatAgent31/100agent readyFront door AI5/6
prominent
Heartbeat100/100
alive
saas
Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
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/.
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Agent readiness — checks not met, largest first (exact, from this profile):
MCP Server+12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency+9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card+8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples+7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
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.
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
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.
aid: origami-risk
url: https://raw.githubusercontent.com/api-evangelist/origami-risk/refs/heads/main/apis.yml
name: Origami Risk
kind: company
description: 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.
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: unknown
trial: false
try_now: false
public: false
label: Unknown
confidence: low
source:
- authentication
- rate-limits
- security
- sandbox
generated: '2026-11-06'
method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Insurance
- United States
- Property and Casualty
- Policy Administration
- Claims
- Underwriting
- Core Systems
- Risk Management
- Workers Compensation
- Insurtech
- Billing
created: '2026-07-25'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: origami-risk:origami-risk-quotes-and-proposals-api
name: Origami Risk Quotes and Proposals API
description: Quote-side policy lifecycle — create and patch proposals, add and remove policy lines, coverages, schedules
and linked schedules, list insurance programs, carriers, policy lines and states, run or queue rating and check rating
status, run and waive validations, retrieve billing and endorsement billing options, then bind the quote synchronously
or by queue and poll bind status.
humanURL: https://developers.origamirisk.com/reference/quotes-and-proposals
baseURL: https://{environment}.origamirisk.com/OrigamiApi
tags:
- Quotes
- Bind
- Ratings
- Underwriting
tags_raw:
- Quote
- Bind
- Rating
- Underwriting
properties:
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/quotes-and-proposals
- type: AgentSkill
url: skills/origami-risk-quote-to-bind.md
name: Quote a risk and bind it into a policy on Origami Risk
- aid: origami-risk:origami-risk-policies-api
name: Origami Risk Policies API
description: 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 frequency and take payment against the issued policy,
with cancellation and reinstatement reason code lookups.
humanURL: https://developers.origamirisk.com/reference/policies
baseURL: https://{environment}.origamirisk.com/OrigamiApi
tags:
- Policy Administration
- Issue
- Endorsements
tags_raw:
- Policy Administration
- Issue
- Endorsement
properties:
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/policies
- type: AgentSkill
url: skills/origami-risk-issue-and-service-policy.md
name: Issue and service a policy on Origami Risk
- aid: origami-risk:origami-risk-billing-accounts-api
name: Origami Risk Billing and Payments API
description: Billing account operations including making and reversing payments, plus an online policy payment surface integrated
with the One Inc payment gateway covering payment submission, payment-method acknowledgement, autopay management feedback
and payment feedback callbacks.
humanURL: https://developers.origamirisk.com/reference/billing-accounts
baseURL: https://{environment}.origamirisk.com/OrigamiApi
tags:
- Billing
- Payments
properties:
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/billing-accounts
- aid: origami-risk:origami-risk-actions-api
name: Origami Risk Actions API
description: 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, EDIReport state reporting, AuditResponse, Abstract,
AddressValid, AssignSurvey, CorrAction, DataUpdate, DRFScoring, Email, Fax, SMS, MailMerge, Note, Report, RoundRobin,
SendMobileForm, StateForm, Task and User actions.
humanURL: https://developers.origamirisk.com/reference/actions
baseURL: https://{environment}.origamirisk.com/OrigamiApi
tags:
- Claims
- FNOL
- Workflows
- EDI
tags_raw:
- Claims
- FNOL
- Workflow
- EDI
properties:
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/actions
- type: AgentSkill
url: skills/origami-risk-fnol-claim-from-incident.md
name: Create a claim from an incident (FNOL) on Origami Risk
- aid: origami-risk:origami-risk-webhooks-api
name: Origami Risk Webhooks API
description: 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 data into — list the configured handlers, retrieve a
named handler's request and response sample schema, and post a payload to it. A separate One Inc surface receives payment-gateway
callbacks (payment method acknowledgement, payment feedback, autopay feedback), all called by One Inc into Origami. There
is no outbound event subscription, no event catalog and no AsyncAPI document.
humanURL: https://developers.origamirisk.com/reference/webhooks
baseURL: https://{environment}.origamirisk.com/OrigamiApi
tags:
- Webhook
- Event
tags_raw:
- Webhooks
- Events
properties:
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/webhooks
- type: Webhooks
url: asyncapi/origami-risk-webhooks.yml
- aid: origami-risk:origami-risk-reports-api
name: Origami Risk Reports API
description: 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 and its JSON tree form.
humanURL: https://developers.origamirisk.com/reference/reports
baseURL: https://{environment}.origamirisk.com/OrigamiApi
tags:
- Reporting
- Analytics
properties:
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/reports
- aid: origami-risk:origami-risk-authentication-api
name: Origami Risk Authentication API
description: The Authentication API from Origami Risk — 4 operation(s) for authentication.
humanURL: https://developers.origamirisk.com/reference/authentication-methods
baseURL: https://{environment}.origamirisk.com/OrigamiApi-v2
tags:
- Authentication
properties:
- type: OpenAPI
url: openapi/origami-risk-authentication-api-openapi.yml
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/authentication-methods
- type: Authentication
url: authentication/origami-risk-authentication.yml
- type: APIReference
url: https://developers.origamirisk.com/reference/domains-entities
- type: DataModel
url: data-model/origami-risk-data-model.yml
- type: APIReference
url: https://developers.origamirisk.com/reference
- type: ErrorCatalog
url: errors/origami-risk-problem-types.yml
- aid: origami-risk:origami-risk-hastokenexpired-api
name: Origami Risk Has Token Expired API
description: The HasTokenExpired API from Origami Risk — 1 operation(s) for hastokenexpired.
humanURL: https://developers.origamirisk.com/reference/authentication-methods
baseURL: https://{environment}.origamirisk.com/OrigamiApi-v2
tags:
- HasTokenExpired
properties:
- type: OpenAPI
url: openapi/origami-risk-hastokenexpired-api-openapi.yml
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/authentication-methods
- type: Authentication
url: authentication/origami-risk-authentication.yml
- type: APIReference
url: https://developers.origamirisk.com/reference/domains-entities
- type: DataModel
url: data-model/origami-risk-data-model.yml
- type: APIReference
url: https://developers.origamirisk.com/reference
- type: ErrorCatalog
url: errors/origami-risk-problem-types.yml
- aid: origami-risk:origami-risk-new-endpoint-1-api
name: Origami Risk New Endpoint 1 API
description: The New Endpoint 1 API from Origami Risk — 1 operation(s) for new endpoint 1.
humanURL: https://developers.origamirisk.com/reference/authentication-methods
baseURL: https://{environment}.origamirisk.com/OrigamiApi-v2
tags:
- New Endpoint 1
properties:
- type: OpenAPI
url: openapi/origami-risk-new-endpoint-1-api-openapi.yml
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/authentication-methods
- type: Authentication
url: authentication/origami-risk-authentication.yml
- type: APIReference
url: https://developers.origamirisk.com/reference/domains-entities
- type: DataModel
url: data-model/origami-risk-data-model.yml
- type: APIReference
url: https://developers.origamirisk.com/reference
- type: ErrorCatalog
url: errors/origami-risk-problem-types.yml
- aid: origami-risk:origami-risk-new-endpoint-api
name: Origami Risk New Endpoint API
description: The New Endpoint API from Origami Risk — 1 operation(s) for new endpoint.
humanURL: https://developers.origamirisk.com/reference/authentication-methods
baseURL: https://{environment}.origamirisk.com/OrigamiApi-v2
tags:
- New Endpoint
properties:
- type: OpenAPI
url: openapi/origami-risk-new-endpoint-api-openapi.yml
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/authentication-methods
- type: Authentication
url: authentication/origami-risk-authentication.yml
- type: APIReference
url: https://developers.origamirisk.com/reference/domains-entities
- type: DataModel
url: data-model/origami-risk-data-model.yml
- type: APIReference
url: https://developers.origamirisk.com/reference
- type: ErrorCatalog
url: errors/origami-risk-problem-types.yml
- aid: origami-risk:origami-risk-requests-api
name: Origami Risk Requests API
description: The Requests API from Origami Risk — 3 operation(s) for requests.
humanURL: https://developers.origamirisk.com/reference/authentication-methods
baseURL: https://{environment}.origamirisk.com/OrigamiApi-v2
tags:
- Requests
properties:
- type: OpenAPI
url: openapi/origami-risk-requests-api-openapi.yml
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference/authentication-methods
- type: Authentication
url: authentication/origami-risk-authentication.yml
- type: APIReference
url: https://developers.origamirisk.com/reference/domains-entities
- type: DataModel
url: data-model/origami-risk-data-model.yml
- type: APIReference
url: https://developers.origamirisk.com/reference
- type: ErrorCatalog
url: errors/origami-risk-problem-types.yml
common:
- type: Plans
url: plans/origami-risk-plans-pricing.yml
- url: https://www.origamirisk.com/feed/
type: BlogRSS
- type: Overlay
url: overlays/origami-risk-authentication-overlay.yaml
- type: Overlay
url: overlays/origami-risk-public-api-overlay.yaml
- type: AgentSkill
url: skills/origami-risk-domain-data-access.md
- type: Overlay
url: overlays/origami-risk-standard-rating-api-overlay.yaml
- type: Overlay
url: overlays/origami-risk-rating-api-overlay.yaml
- type: AgentSkill
url: skills/origami-risk-standard-rating-service.md
- type: TrustCenter
url: security/origami-risk-trust-center.yml
- type: Compliance
url: https://trust.origamirisk.com/
name: Origami Risk Trust Center (Vanta)
- type: DomainSecurity
url: security/origami-risk-domain-security.yml
- type: Authentication
url: authentication/origami-risk-authentication.yml
- type: Conventions
url: conventions/origami-risk-conventions.yml
- type: ErrorCatalog
url: errors/origami-risk-problem-types.yml
- type: RateLimits
url: rate-limits/origami-risk-rate-limits.yml
name: Published limits and the runtime limits endpoint
- type: Lifecycle
url: lifecycle/origami-risk-lifecycle.yml
- type: StatusPage
url: https://status.origamirisk.com/
name: Origami Risk system status (client authenticated)
- type: SLA
url: https://www.origamirisk.com/serviceterms/sla/
name: Service Level Agreement — 99.9% availability
- type: ChangeLog
url: changelog/origami-risk-changelog.yml
- type: ChangeLog
url: https://www.origamirisk.com/platform/product-updates/
name: Product Updates (seasonal release train)
- type: Sandbox
url: sandbox/origami-risk-sandbox.yml
name: Environment matrix (preprod / staging / live, US, Gov and EU)
- type: Conformance
url: conformance/origami-risk-conformance.yml
- type: DataModel
url: data-model/origami-risk-data-model.yml
- type: Webhooks
url: asyncapi/origami-risk-webhooks.yml
- type: Packages
url: packages/origami-risk-packages.yml
- type: X-MCPServerCandidate
url: mcp/origami-risk-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.'
name: Candidate MCP tool list (no official server published)
- type: LLMsTxt
url: llms/origami-risk-llms.txt
- type: AgentSkill
url: skills/_index.yml
name: Origami Risk agent skills
- type: Website
url: https://www.origamirisk.com/
- type: DeveloperPortal
url: https://developers.origamirisk.com/
- type: Documentation
url: https://developers.origamirisk.com/docs
- type: APIReference
url: https://developers.origamirisk.com/reference
- type: GettingStarted
url: https://developers.origamirisk.com/docs/getting-started
- type: Authentication
url: https://developers.origamirisk.com/reference/authentication-methods
- type: RateLimits
url: https://developers.origamirisk.com/reference/limits
- type: ProductOverview
url: https://www.origamirisk.com/platform/api-access/
- type: Partners
url: https://www.origamirisk.com/partners/
- type: Login
url: https://developers.origamirisk.com/login?redirect_uri=/
name: Developer portal login
- type: Support
url: https://www.origamirisk.com/contact/
name: Contact (support@origamirisk.com for P0/P1 incidents)
- type: Blog
url: https://www.origamirisk.com/resources/insights/
- type: Pricing
url: https://www.origamirisk.com/serviceterms/aipricing/
name: Origami AI Pricing Schedule (token consumption model)
- type: TermsOfService
url: https://www.origamirisk.com/origami-risk-website-terms-use/
- type: PrivacyPolicy
url: https://www.origamirisk.com/privacy-policy/
- type: GitHubOrganization
url: https://github.com/origamirisk
name: Origami Risk LLC on GitHub (no public repositories)
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
Origami Risk API — frequently asked questions
Does Origami Risk have an API?
Yes. APIs.io lists 11 APIs from Origami Risk, including Origami Risk Quotes and Proposals API, Origami Risk Policies API and Origami Risk Billing and Payments API, and 8 more.
Is there an OpenAPI specification for the Origami Risk API?
Yes. APIs.io indexes 5 OpenAPI specifications for Origami Risk, each linked for download from this page.
How do I authenticate with the Origami Risk API?
Origami Risk uses bearer-token authentication (apiKey/token-endpoint/hmac · 6 schemes). The details are profiled on APIs.io as Origami Risk Authentication.
Is the Origami Risk API ready for AI agents?
Origami Risk has a Kin Score of 53.6 out of 100 (developing) and an Agent Readiness score of 30.5 (agent-ready), scored by API Evangelist on 2026-11-06.
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