QBE Insurance website screenshot

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 3 API contracts indexed on the APIs.io network, including CTP Switch API, Digital Brokers API, and 1 more. Tagged areas include Insurance, Australia, Property and Casualty, Commercial Insurance, and Underwriting.

The QBE Insurance catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

QBE Insurance’s developer surface includes engineering blog, authentication, documentation, API reference, getting-started guide, support, sandbox, and 29 more developer resources.

37.6/100 thin ▬ flat Agent 30/100 agent ready saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessEnterprise
2 published contracts 3 Agent Skills
InsuranceAustraliaProperty and CasualtyCommercial InsuranceUnderwritingPolicy AdministrationQuotesReinsuranceCarrierPartner API

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
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/.
Show this score on your site. Kin Score badge preview for QBE Insurance It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/qbe/"><img src="https://apis.io/badge/qbe/card.svg" alt="QBE Insurance on APIs.io — Kin Score by API Evangelist"></a>
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Raise your score.
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
  • Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
  • Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
  • Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
5 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
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 the provider profile at artifacts.apis.io/qbe/apis.yml: open an issue on github.com/api-evangelist/qbe to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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.

MarketPositionDepthRegistered MCP serverDeclares compatibility
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing) covered 17.2 (thin) - -

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 implemented 1

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.

measured — observed by APIs.io (published)

APIs 3

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.

QBE North America Partner API Hub

QBE North America's API Product Hub for agency and property-manager partners, offering Renters (HO4, multi-dwelling unit) and Homeowners APIs such as the real-time Homeowners Qu...

Open Collections 2

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

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

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

qbe-endorse-policy

AGENT SKILL

qbe-quote-to-bind

AGENT SKILL

qbe-renew-or-cancel

AGENT SKILL

QBE Insurance API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Qbe Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Qbe Rate Limits

0 limits

RATE LIMITS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Qbe Context

120 classes · 184 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

QBE Insurance API Rules

14 rules · 8 errors 3 warnings 3 info

SPECTRAL

OpenAPI Overlays 4

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.

Qbe Anzo Digital Brokers Overlay

4 actions · documentation · qbe-anzo-digital-brokers-openapi.yml

DERIVED

Qbe Ctp Switch Api Overlay

4 actions · documentation · qbe-ctp-switch-api-openapi.yml

DERIVED

Qbe Ctp Switch Service Overlay

4 actions · documentation · qbe-ctp-switch-service-openapi.yml

DERIVED

Qbe Digital Brokers Api Overlay

4 actions · documentation · qbe-digital-brokers-api-openapi.yml

DERIVED

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

Generated-2

1 properties

JSON SCHEMA

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

17 operations · 15 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 11

Pagination, idempotency, versioning, errors, and events

Scroll for all 11

Build 2

SDKs, sample code, and the tooling you integrate with

Access & Security 4

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 3

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
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: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  probe_state: covered
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://avatars.githubusercontent.com/u/55916773?s=280&v=4
tags:
- Insurance
- Australia
- Property and Casualty
- Commercial Insurance
- Underwriting
- Policy Administration
- Quotes
- Reinsurance
- Carrier
- Partner API
tags_raw:
- Insurance
- Australia
- Property and Casualty
- Commercial Insurance
- Underwriting
- Policy Administration
- Quote
- Reinsurance
- Carrier
- Partner API
created: '2026-07-25'
modified: '2026-10-20'
x-coverage:
  state: covered
  reason: identity-verified
  detail: www.qbe.com answers a browser User-Agent with a 403 bot challenge (front door unreadable, pointers kept as live-behind-edge-policy);
    identity verified from QBE's own API hub portals and GitHub org. Image is the QBE Insurance Group Limited GitHub org avatar.
  evidence:
  - url: https://www.qbe.com/
    status: 403
  - url: https://connect.api-au.qbe.com/
    status: 200
  - url: https://partnerportal-api.qbena.com/
    status: 200
  - url: https://github.com/qbegroup
    status: 200
  - url: https://avatars.githubusercontent.com/u/55916773?s=280&v=4
    status: 200
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Spectral
  url: rules/qbe-rules.yml
- type: JSONLD
  url: json-ld/qbe-context.jsonld
- type: Overlay
  url: overlays/qbe-ctp-switch-api-overlay.yaml
- type: Hosts
  url: hosts/qbe-hosts.yml
- type: IntegrationEdges
  url: integrations/qbe-integration-edges.yml
- type: Vendors
  url: vendors/qbe-vendors.yml
- url: https://www.qbe.com/newsroom
  type: Blog
- 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: 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: 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
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/ctp-service
  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
- 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
  - type: JSONSchema
    url: json-schema/qbe-auth-quotes-post201-application-json-response-schema.json
  - type: JSONSchema
    url: json-schema/qbe-auth-quotes-quote-id-refer-post200-application-json-response-schema.json
  - type: JSONSchema
    url: json-schema/qbe-auth-policies-policy-id-endorse-post200-application-json-response-schema.json
  - type: JSONSchema
    url: json-schema/qbe-auth-policies-policy-id-refer-post200-application-json-response-schema.json
  - type: JSONSchema
    url: json-schema/qbe-auth-quotes-quote-id-bind-post201-application-json-response-schema.json
  - type: JSONSchema
    url: json-schema/qbe-generated-2-schema.json
- aid: qbe:qbe-north-america-partner-api
  name: QBE North America Partner API Hub
  description: QBE North America's API Product Hub for agency and property-manager partners, offering Renters (HO4, multi-dwelling
    unit) and Homeowners APIs such as the real-time Homeowners Quote API; access is requested per product and the Azure APIM
    catalogue is empty to anonymous callers, so no endpoints, base URL or contract are published.
  humanURL: https://partnerportal-api.qbena.com/
  tags:
  - Partner API
  - Renters Insurance
  - Home Insurance
  tags_raw:
  - Partner API
  - Renters Insurance
  - Homeowners Insurance
  properties:
  - type: Documentation
    url: https://partnerportal-api.qbena.com/document/homeowners
  - type: Documentation
    url: https://partnerportal-api.qbena.com/document/renter
  - type: APIReference
    url: https://partnerportal-api.qbena.com/apis/catalog
x-tags-removed:
- Brokers
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 17
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

QBE Insurance API — frequently asked questions

Does QBE Insurance have an API?

Yes. APIs.io lists 3 APIs from QBE Insurance, including QBE Insurance CTP Switch API, QBE Insurance Digital Brokers API and QBE North America Partner API Hub.

Is there an OpenAPI specification for the QBE Insurance API?

Yes. APIs.io indexes 2 OpenAPI specifications for QBE Insurance, each linked for download from this page.

How do I authenticate with the QBE Insurance API?

QBE Insurance uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Qbe Authentication.

Is the QBE Insurance API ready for AI agents?

QBE Insurance has a Kin Score of 37.6 out of 100 (thin) and an Agent Readiness score of 29.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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