# Origami Risk

**Canonical:** https://apis.io/providers/origami-risk/  
**Website:** https://www.origamirisk.com/  
**APIs profiled:** 9

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.

## Kin Score — 53.3 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 53.3).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 46.0 |
| Governance | 11.5 |
| Operational Transparency | 76.3 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 60.5 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 44.8 (agent-ready)

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

## APIs (9)

- **Origami Risk Authentication API** — Token issuance and session verification for the Origami Risk platform APIs. Two documented token formats — a simple JSON payload (Account, User, Password, ClientName) and an OAu...
- **Origami Risk Public API** — The core Origami Risk platform API — generic domain and entity CRUD (get, upsert, bulk insert, bulk upsert, delete), domain metadata and data dictionary lookups, screen configur...
- **Origami Risk Standard Rating API** — Standalone standard rating service that accepts a rating request referencing a rater and intake payloads and returns rating results, offered in both synchronous and asynchronous...
- **Origami Risk Quotes and Proposals API** — Quote-side policy lifecycle — create and patch proposals, add and remove policy lines, coverages, schedules and linked schedules, list insurance programs, carriers, policy lines...
- **Origami Risk Policies API** — 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 ...
- **Origami Risk Billing and Payments API** — Billing account operations including making and reversing payments, plus an online policy payment surface integrated with the One Inc payment gateway covering payment submission...
- **Origami Risk Actions API** — 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,...
- **Origami Risk Webhooks API** — 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...
- **Origami Risk Reports API** — 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...

## MCP servers (1)

- **Candidate MCP tool list (no official server published)**

## Security (3)

- **Origami Risk Authentication** — apiKey/token-endpoint/hmac · 6 schemes
- **Origami Risk Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Origami Risk Trust Center** — trust center published

## Tags

Insurance, United States, Property and Casualty, Policy Administration, Claims, Underwriting, Core Systems, Risk Management, Workers Compensation, Insurtech, Billing

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