Stere

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.
accessModel:
  pricing: enterprise
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Enterprise · Requires approval
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  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
  - Brokers
  - 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
  - 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