QBE Insurance

QBE Insurance Group Limited is a Sydney-headquartered, ASX-listed global general insurance and reinsurance group, tracing back to 1886 in Townsville, Queensland, and operating today across Australia Pacific, North America and International divisions including a Lloyd's of London syndicate. QBE writes commercial and personal property and casualty lines — property, liability, motor and compulsory third party (CTP), workers compensation, marine, aviation, trade credit, crop and specialty — distributed overwhelmingly through brokers and agents rather than direct to consumers. Its API posture reflects that distribution model and is partner-gated by design: QBE Australia runs a real, publicly browsable Azure API Management developer portal at connect.api-au.qbe.com whose catalogue, operations, schemas and examples can be read anonymously, but every product requires an approved subscription (approvalRequired true) and the broker API is keyed to named partner platforms. The portal exposes genuine quote, bind, endorse, renew, cancel and refer operations for the commercial policy lifecycle — the four real insurance verbs, minus claims/FNOL, which QBE does not expose publicly. A separate QBE North America partner API hub at partnerportal-api.qbena.com serves an empty Azure APIM catalogue to anonymous callers but does publish seven named API products in its own content pages — Quote, Bind, Master Liability, Property Inquiry, Zip Code Validate and Reconciliation and Cancellation for Renters, plus Quote for Homeowners — behind a documented client-id/secret to JWT token exchange; no endpoints or specs are exposed. QBE Hong Kong documents a partner API behind qbe.com pages that are bot-blocked to anonymous fetchers. Australia is the home market; the Consumer Data Right was designated for general insurance and then deferred, so nothing here is compelled by regulation.

QBE Insurance publishes 2 APIs on the APIs.io network: CTP Switch API and Digital Brokers API. Tagged areas include Insurance, Australia, Property and Casualty, Commercial Insurance, and Underwriting.

QBE Insurance’s developer surface includes authentication, documentation, API reference, getting-started guide, support, sandbox, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub

34.0/100 thin ▬ flat Agent 28/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

2 APIs

Insurance Australia Property and Casualty Commercial Insurance Underwriting Policy Administration Quotes Brokers Reinsurance Carrier Partner API

Kin Score

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

Composite quality — 34.0/100 · thin

Contract Quality 2.9 / 19

Developer Ergonomics 9.6 / 15

Access Clarity 4.1 / 15

Operational Transparency 1.3 / 10

Contract Governance 0.7 / 9

Discoverability 5.1 / 8

Regulatory Posture 7.1 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 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 0 / 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/qbe: 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.

QBE Insurance CTP Switch API

The CTP Switch API from QBE Insurance — 2 operation(s) for ctp switch.

QBE Insurance Digital Brokers API

The Digital Brokers API from QBE Insurance — 15 operation(s) for digital brokers.

Open Collections 2

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

ANZO Digital Brokers Experience API

OPEN COLLECTION

CTP Switch Service

OPEN COLLECTION

Arazzo Workflows 3

Multi-step API workflows described with the Arazzo specification.

QBE policy cancellation

Cancel an in-force QBE policy with a published cancellation reason code, confirm it, and attach the cancellation schedule.

ARAZZO

QBE mid-term endorsement, confirmed

Open a mid-term endorsement on an in-force QBE policy, confirm it with a bind, and attach the endorsement schedule.

ARAZZO

QBE quote to bound policy

Create a commercial quote with QBE Australia, amend it, then convert it into a bound policy.

ARAZZO

Security Posture 3

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

Qbe Authentication

apiKey · 2 schemes

SECURITY

Qbe Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Qbe Vulnerability Disclosure

Hackerone · contact published

SECURITY

Agentic Access 1

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

Qbe Agentic Access

17 operations · 15 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

PartnerPortal

PartnerPortal

GettingStarted

GettingStarted

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

Vocabulary

DataModel

Arazzo

Arazzo

Arazzo

Scroll for all 9

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

ToolCrosswalk

ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: qbe
url: https://raw.githubusercontent.com/api-evangelist/qbe/refs/heads/main/apis.yml
name: QBE Insurance
kind: company
description: 'QBE Insurance Group Limited is a Sydney-headquartered, ASX-listed global general insurance and reinsurance group,
  tracing back to 1886 in Townsville, Queensland, and operating today across Australia Pacific, North America and International
  divisions including a Lloyd''s of London syndicate. QBE writes commercial and personal property and casualty lines — property,
  liability, motor and compulsory third party (CTP), workers compensation, marine, aviation, trade credit, crop and specialty
  — distributed overwhelmingly through brokers and agents rather than direct to consumers. Its API posture reflects that distribution
  model and is partner-gated by design: QBE Australia runs a real, publicly browsable Azure API Management developer portal
  at connect.api-au.qbe.com whose catalogue, operations, schemas and examples can be read anonymously, but every product requires
  an approved subscription (approvalRequired true) and the broker API is keyed to named partner platforms. The portal exposes
  genuine quote, bind, endorse, renew, cancel and refer operations for the commercial policy lifecycle — the four real insurance
  verbs, minus claims/FNOL, which QBE does not expose publicly. A separate QBE North America partner API hub at partnerportal-api.qbena.com
  serves an empty Azure APIM catalogue to anonymous callers but does publish seven named API products in its own content pages
  — Quote, Bind, Master Liability, Property Inquiry, Zip Code Validate and Reconciliation and Cancellation for Renters, plus
  Quote for Homeowners — behind a documented client-id/secret to JWT token exchange; no endpoints or specs are exposed. QBE
  Hong Kong documents a partner API behind qbe.com pages that are bot-blocked to anonymous fetchers. Australia is the home
  market; the Consumer Data Right was designated for general insurance and then deferred, so nothing here is compelled by
  regulation.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Australia
- Property and Casualty
- Commercial Insurance
- Underwriting
- Policy Administration
- Quotes
- Brokers
- Reinsurance
- Carrier
- Partner API
tags_raw:
- Insurance
- Australia
- Property and Casualty
- Commercial Insurance
- Underwriting
- Policy Administration
- Quote
- Broker
- Reinsurance
- Carrier
- Partner API
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: qbe:qbe-ctp-switch-api
  name: QBE Insurance CTP Switch API
  description: The CTP Switch API from QBE Insurance — 2 operation(s) for ctp switch.
  humanURL: https://connect.api-au.qbe.com/apis
  baseURL: https://gateway.api-au.qbe.com/x-digital-brokers-qbe-anzo/api
  tags:
  - CTP Switch
  properties:
  - type: OpenAPI
    url: openapi/qbe-ctp-switch-api-openapi.yml
  - type: Documentation
    url: https://connect.api-au.qbe.com/
  - type: APIReference
    url: https://connect.api-au.qbe.com/apis
  - type: Examples
    url: examples/qbe-anzo-digital-brokers-examples.yml
- aid: qbe:qbe-digital-brokers-api
  name: QBE Insurance Digital Brokers API
  description: The Digital Brokers API from QBE Insurance — 15 operation(s) for digital brokers.
  humanURL: https://connect.api-au.qbe.com/apis
  baseURL: https://gateway.api-au.qbe.com/x-digital-brokers-qbe-anzo/api
  tags:
  - Digital Brokers
  properties:
  - type: OpenAPI
    url: openapi/qbe-digital-brokers-api-openapi.yml
  - type: Documentation
    url: https://connect.api-au.qbe.com/
  - type: APIReference
    url: https://connect.api-au.qbe.com/apis
  - type: Examples
    url: examples/qbe-anzo-digital-brokers-examples.yml
common:
- type: Overlay
  url: overlays/qbe-anzo-digital-brokers-overlay.yaml
- type: Overlay
  url: overlays/qbe-ctp-switch-service-overlay.yaml
- type: AgenticAccess
  url: agentic-access/qbe-agentic-access.yml
- type: DomainSecurity
  url: security/qbe-domain-security.yml
- type: Authentication
  url: authentication/qbe-authentication.yml
- type: Website
  url: https://www.qbe.com/
- type: DeveloperPortal
  url: https://connect.api-au.qbe.com/
- type: Documentation
  url: https://connect.api-au.qbe.com/getting-started
- type: APIReference
  url: https://connect.api-au.qbe.com/apis
- type: PartnerPortal
  url: https://partnerportal-api.qbena.com/
- type: GettingStarted
  url: https://connect.api-au.qbe.com/getting-started
- type: Login
  url: https://connect.api-au.qbe.com/signin
- type: Support
  url: https://www.qbe.com/au/contact-us
- type: PrivacyPolicy
  url: https://www.qbe.com/au/about/governance/privacy-policy
- type: TermsOfService
  url: https://www.qbe.com/us/legal/api-terms-of-use
  name: QBE API Terms of Use (North America)
- type: GitHubOrganization
  url: https://github.com/qbegroup
- type: Security
  url: https://www.qbe.com/responsible-disclosure-program
  name: QBE Responsible Disclosure Program
- type: VulnerabilityDisclosure
  url: security/qbe-vulnerability-disclosure.yml
- type: Conventions
  url: conventions/qbe-conventions.yml
- type: ErrorCatalog
  url: errors/qbe-problem-types.yml
- type: Lifecycle
  url: lifecycle/qbe-lifecycle.yml
- type: Conformance
  url: conformance/qbe-conformance.yml
- type: Vocabulary
  url: vocabulary/qbe-vocabulary.yml
- type: DataModel
  url: data-model/qbe-data-model.yml
- type: Sandbox
  url: sandbox/qbe-sandbox.yml
  name: Mocking and non-production access
- type: Packages
  url: packages/qbe-packages.yml
- type: X-MCPServerCandidate
  url: mcp/qbe-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 manifest (no hosted server published)
- type: ToolCrosswalk
  url: mcp/qbe-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/qbe-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  url: arazzo/qbe-quote-to-bind.yml
  name: QBE quote to bound policy
- type: Arazzo
  url: arazzo/qbe-endorse-and-bind.yml
  name: QBE mid-term endorsement, confirmed
- type: Arazzo
  url: arazzo/qbe-cancel-policy.yml
  name: QBE policy cancellation
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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