Stere

Stere is a New York-based insurance infrastructure company (founded 2021) that lets insurers, MGAs, and distribution partners build and launch digital insurance products - rating, quoting, binding, policy issuance, claims, and premium payments - in weeks rather than years. Its core offering is a "Stere API-as-a-Service" underwriting API (insurers can bring their own API or have Stere build one) plus a separate Stere Unified API and Stere Distribution layer that let brokers, wholesalers, fintechs, and embedded partners reach multiple carriers/products through a single connection (API, SDK, and webhooks). Stere Claims handles FNOL and claims workflow (portions of claims assessment and resolution are marketed as in-development/coming soon), and Stere Pay / Stere Pay Later provides a buy-now-pay-later gateway for insurance premiums. There is no self-serve public developer portal, published API reference, OpenAPI/Swagger document, or sandbox signup on stere.io; the marketing site references a "Stere Docs," "API Changelog," and "API Status" area under /developer/, but those paths return 404 publicly and integration is provisioned per customer after a sales-led partner/insurer onboarding engagement. The APIs below are honestly modeled from Stere's own product marketing pages, not from a published API reference.

Stere is listed with 4 APIs on the APIs.io network. Tagged areas include Insurance, Insurtech, Embedded Insurance, API-as-a-Service, and MGA.

Stere’s developer surface includes engineering blog and 5 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

7.0/100 minimal ▬ flat Agent 0/100 human only Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessEnterpriseApprovalPartner gated

4 APIs

Insurance Insurtech Embedded InsuranceAPI-as-a-ServiceMGA Underwriting Distribution

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 7.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 0.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.3 / 9

Regulatory Posture 0.0 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
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) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Access Clarity scores 4.3 — up to +19.1 composite points Ask about this →
Developer Ergonomics scores 11.9 — up to +17.6 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/stere/apis.yml: open an issue on github.com/api-evangelist/stere 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 →

APIs 4

Individual APIs this provider publishes. MODELED: a real API behind a partner or contract gate; there is no public reference, so API Evangelist drew its shape. NOT AN API: a product area with no API behind it, not counted.

Stere Underwriting API

Stere's API-as-a-Service lets an insurer or MGA either bring its own existing underwriting API ("Bring-your-own-API") or have Stere build one, with rate, quote, bind, policy iss...

MODELED, NO PUBLIC REFERENCE

Stere Distribution API

Stere Distribution gives brokers, wholesalers, fintechs, and embedded partners "broad access to insurance products through a single API connection," delivered as an API, SDK, we...

MODELED, NO PUBLIC REFERENCE

Stere Claims API

Stere Claims covers First Notice of Loss (FNOL) intake with automated data enrichment today; claims processing against carrier-defined guidelines, automated assessment/decisioni...

MODELED, NO PUBLIC REFERENCE

Stere Pay Later API

Stere Pay Later is a buy-now-pay-later gateway that lets insurers and distribution partners offer policyholders installment payment plans for insurance premiums, integrated into...

MODELED, NO PUBLIC REFERENCE

Stere API pricing

Not yet checked against Stere's own pricing page. Compiled by API Evangelist on 2026-07-03 from www.stere.io/; confirm before you rely on a figure.

Plan	Price
Enterprise / Custom enterprise	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Stere Plans Pricing

1 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Stere Finops

FINOPS

Security Posture 1

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

Stere Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Source (apis.yml)

aid: stere
url: https://raw.githubusercontent.com/api-evangelist/stere/refs/heads/main/apis.yml
name: Stere
kind: company
description: Stere is a New York-based insurance infrastructure company (founded 2021) that lets insurers, MGAs, and distribution
  partners build and launch digital insurance products - rating, quoting, binding, policy issuance, claims, and premium payments
  - in weeks rather than years. Its core offering is a "Stere API-as-a-Service" underwriting API (insurers can bring their
  own API or have Stere build one) plus a separate Stere Unified API and Stere Distribution layer that let brokers, wholesalers,
  fintechs, and embedded partners reach multiple carriers/products through a single connection (API, SDK, and webhooks). Stere
  Claims handles FNOL and claims workflow (portions of claims assessment and resolution are marketed as in-development/coming
  soon), and Stere Pay / Stere Pay Later provides a buy-now-pay-later gateway for insurance premiums. There is no self-serve
  public developer portal, published API reference, OpenAPI/Swagger document, or sandbox signup on stere.io; the marketing
  site references a "Stere Docs," "API Changelog," and "API Status" area under /developer/, but those paths return 404 publicly
  and integration is provisioned per customer after a sales-led partner/insurer onboarding engagement. The APIs below are
  honestly modeled from Stere's own product marketing pages, not from a published API reference.
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: enterprise
  onboarding: approval
  trial: false
  try_now: false
  public: false
  gated: partner
  gated_source:
  - apis
  label: Enterprise · Requires approval
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/stere.png
tags:
- Insurance
- Insurtech
- Embedded Insurance
- API-as-a-Service
- MGA
- Underwriting
- Distribution
created: '2026-07-03'
modified: '2026-07-03'
specificationVersion: '0.23'
apis:
- aid: stere:stere-underwriting-api
  name: Stere Underwriting API
  tags:
  - Underwriting
  - Rate
  - Quotes
  - Bind
  - Policy Issuance
  tags_raw:
  - Underwriting
  - Rate
  - Quote
  - Bind
  - Policy Issuance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/stere-api/as-a-service
  properties:
  - url: https://www.stere.io/stere-api/as-a-service
    type: Documentation
  - url: https://www.stere.io/stere-api/stere-unifed-api
    type: Documentation
  description: Stere's API-as-a-Service lets an insurer or MGA either bring its own existing underwriting API ("Bring-your-own-API")
    or have Stere build one, with rate, quote, bind, policy issuance, data enrichment, KYC/KYB, and billing capabilities,
    often issuing a policy within seconds with little human intervention. The companion Stere Unified API exposes multiple
    insurers' products through one interface for consuming platforms. No base URL, authentication scheme, or endpoint reference
    is published; access is provisioned per insurer/MGA under a commercial engagement.
  endpointsModeled: true
- aid: stere:stere-distribution-api
  name: Stere Distribution API
  tags:
  - Distribution
  - Brokerage
  - Embedded Insurance
  - Webhook
  tags_raw:
  - Distribution
  - Brokers
  - Embedded Insurance
  - Webhooks
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/insurance/stere-distribution
  properties:
  - url: https://www.stere.io/insurance/stere-distribution
    type: Documentation
  - url: https://www.stere.io/solution/for-embedded-insurance
    type: Documentation
  description: Stere Distribution gives brokers, wholesalers, fintechs, and embedded partners "broad access to insurance products
    through a single API connection," delivered as an API, SDK, webhooks, and pre-built portals so distribution partners can
    quote and bind across multiple carriers/products without integrating each one separately. No public endpoint reference,
    webhook event catalog, or base URL is published; partners receive credentials and integration docs directly from Stere.
  endpointsModeled: true
- aid: stere:stere-claims-api
  name: Stere Claims API
  tags:
  - Claims
  - FNOL
  - Insurance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/insurance/stere-claims
  properties:
  - url: https://www.stere.io/insurance/stere-claims
    type: Documentation
  description: Stere Claims covers First Notice of Loss (FNOL) intake with automated data enrichment today; claims processing
    against carrier-defined guidelines, automated assessment/decisioning, and resolution workflow are marketed on stere.io
    as in-development or "coming soon" rather than shipped. No API reference, base URL, or webhook event catalog is published
    for Claims.
  endpointsModeled: true
- aid: stere:stere-pay-api
  name: Stere Pay Later API
  tags:
  - Payments
  - Buy Now Pay Later
  - Premium Financing
  tags_raw:
  - Payments
  - BNPL
  - Premium Financing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/payments/stere-pay-later
  properties:
  - url: https://www.stere.io/payments/stere-pay-later
    type: Documentation
  description: Stere Pay Later is a buy-now-pay-later gateway that lets insurers and distribution partners offer policyholders
    installment payment plans for insurance premiums, integrated into the existing quote/bind/payment flow. Stere Pay first
    launched publicly in 2023. No API reference, base URL, or pricing/settlement schedule is published; the gateway is integrated
    per partner under a commercial agreement.
  endpointsModeled: true
common:
- type: DomainSecurity
  url: security/stere-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/stereio
- type: Website
  url: https://www.stere.io/
- type: Plans
  url: plans/stere-plans-pricing.yml
- type: FinOps
  url: finops/stere-finops.yml
- type: Blog
  url: https://www.stere.io/resources/blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Stere API — frequently asked questions

Does Stere have an API?

Yes. APIs.io lists 4 APIs from Stere, including Stere Underwriting API, Stere Distribution API and Stere Claims API, and 1 more.

How much does the Stere API cost?

APIs.io lists 1 pricing plan for Stere, with each plan's price, limits and inclusions under Pricing on this page.

Is the Stere API ready for AI agents?

Stere has a Kin Score of 7.0 out of 100 (minimal) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-13.

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