# Stere

**Canonical:** https://apis.io/providers/stere/  
**Website:** https://www.stere.io/  
**APIs profiled:** 4

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.

## Kin Score — 10.0 / 100 (minimal)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 10.0).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Insurance**: 9.1 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Enterprise · Requires approval — onboarding: approval, pricing: enterprise, trial: no (confidence: medium).

## APIs (4)

- **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...
- **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...
- **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...
- **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...

## Security (1)

- **Stere Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Stere Plans Pricing**

## Tags

Insurance, Insurtech, Embedded Insurance, API-as-a-Service, MGA, Underwriting, Distribution

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