# QBE Insurance

**Canonical:** https://apis.io/providers/qbe/  
**Website:** https://www.qbe.com/  
**APIs profiled:** 2

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.

## Kin Score — 36.3 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 13.4 |
| Governance | 20.5 |
| Contract Governance | 20.5 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 63.7 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Insurance**: 47.0 (matched via tags).

## Agent readiness — 38.6 (agent-ready)

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

## APIs (2)

- **QBE Australia ANZO Digital Brokers Experience API** — QBE Australia's broker-facing policy lifecycle API, published in the QBE Australia API Hub as the "ANZO Digital Brokers" product. QBE describes it as providing "access to the in...
- **QBE Australia CTP Switch Service** — A small QBE Australia service published in the same API Hub as the "ANZO CTP Service" product, supporting the compulsory third party (CTP) motor insurance switching flow. Two do...

## MCP servers (1)

- **Candidate MCP manifest (no hosted server published)**

## Agentic access (1)

- **Qbe Agentic Access** — 17 operations · 15 acting

## Security (3)

- **Qbe Authentication** — apiKey · 2 schemes
- **Qbe Domain Security** — TLSv1.2 · HSTS · DMARC
- **Qbe Vulnerability Disclosure** — Hackerone · contact published

## Tags

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

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