The Insurance API Index

Insurance is one of the last major un-digitized industries. Small businesses and the brokers who represent them increasingly want to quote, buy, and manage insurance online. To meet their customers’ needs, many carriers have begun building commercial insurance APIs that make their products available in new, innovative ways. 

Still, distributors who want to build online experiences often don’t know where to begin. It can take months or years to get started and to determine which carrier partners to work with and to figure out how to access their products digitally. There is no catalog of commercial insurance carriers who have made their products available via API… until now.

Introducing the Insurance API Index. The carriers on this list are innovators in their fields. They have made significant investments in industry-leading technology, and they are collectively bringing about a new era of digitization in commercial insurance. 

Herald is dedicated to building digital infrastructure to power the industry’s digital transformation, and we are excited to watch the index grow over time. As the commercial insurance API landscape evolves, we are committed to updating this resource and to continuing to foster connections in our industry.

If you are a carrier or MGA enabling connectivity via API, please contact us to be included or to update your entry. If you are a broker or technology provider looking to engage with your carrier partners via API, get in touch to learn how we can help you connect to carriers that matter to you and dramatically accelerate your product development timelines.

Lastly, checkout the latest 2023 report on API Index Trends in our blog post here!

Snapshot

86
Carriers and MGAs
228
API-enabled products
25
Different Lines of Business

The Index

Institution
API-enabled Products
BOP
Commercial Auto
General Liability
Package
Property
BOP, Commercial Auto, General Liability, Package, Property, Workers' Compensation
Professional Liability
Professional Liability
Workers' Compensation
BOP
Cyber
BOP, Cyber, Workers' Compensation, Binding Authority GL, Binding Authority Property, Other Binding Authority LOBs (3)
BOP
Crime
Cyber
D&O
EPLI
BOP, Crime, Cyber, D&O, EPLI, Fiduciary, K&R, Professional Liability, Surety Bonds
No items found.
Cyber (2), Tech E&O, Professional Liability
Binding Authority GL, Binding Authority Property, Other Binding Authority LOBs
General Liability
Inland Marine
Package
Property
General Liability, Inland Marine, Package, Property, Binding Authority GL, Binding Authority Property
No items found.
Cyber, Professional Liability, Tech E&O
No items found.
General Liability
No items found.
Cyber, Professional Liability
No items found.
Crime, Cyber, D&O, EPLI, Fiduciary
Cyber
Cyber
No items found.
General Liability, Property, Special Events
Binding Authority GL, Binding Authority Property, Other Binding Authority LOBs (3)
Cyber
Cyber
Binding Authority GL, Binding Authority Property
Cyber
Cyber, Binding Authority GL, Binding Authority Property
No items found.
BOP, General Liability
No items found.
General Liability, Package, Property, Binding Authority GL, Binding Authority Property, Other Binding Authority LOBs (2)
No items found.
Cyber (2), D&O (2), Professional Liability (2), Tech E&O, Transactional Liability
No items found.
BOP, Cyber, MPL, D&O, EPLI, Fiduciary, Crime, K&R
BOP
General Liability
Workers' Compensation
BOP, General Liability, Workers' Compensation
No items found.
BOP, General Liability, Workers' Compensation
Binding Authority GL, Binding Authority Property
No items found.
Cyber (2), D&O, EPLI, Tech E&O
No items found.
General Liability, Package, Property, Binding Authority GL, Binding Authority Property
No items found.
MPL
No items found.
Cyber, Tech E&O
No items found.
BOP, General Liability, Professional Liability
No items found.
Crime, D&O, EPLI, Fiduciary, Professional Liability
No items found.
Cyber (2)
No items found.
Cyber, Binding Authority GL, Binding Authority Property
No items found.
Cyber
No items found.
Workers' Compensation
Binding Authority GL, Binding Authority Property
No items found.
BOP, Workers' Compensation, Binding Authority GL, Binding Authority Property
Other Binding Authority LOBs
Binding Authority GL
No items found.
BOP, General Liability, Workers' Compensation (2)
No items found.
BOP, Cyber (2), General Liability, Professional Liability, Tech E&O
No items found.
General Liability
Binding Authority GL, Binding Authority Property
Binding Authority GL, Binding Authority Property
Binding Authority GL, Binding Authority Property
No items found.
BOP, General Liability, Workers' Compensation
No items found.
BOP, Commercial Auto, Package, Umbrella, Workers' Compensation
No items found.
Contractors' Pollution Liability, Excess Liability, General Liability, Special Events, Professional Liability, RIA E&O, Workers' Compensation, Binding Authority GL, Binding Authority Property, Binding Authority Inland Marine
Binding Authority GL, Binding Authority Property
No items found.
BOP, Commercial Auto, General Liability, Umbrella, Workers' Compensation, Binding Authority GL, Binding Authority Property
Binding Authority GL, Binding Authority Property
Binding Authority GL, Binding Authority Property, Other Binding Authority LOBs
No items found.
Cyber, Excess Liability, General Liability, Package, Property
No items found.
Workers' Compensation
No items found.
Commercial Auto
Binding Authority GL, Binding Authority Property
Binding Authority GL, Binding Authority Property
No items found.
Cyber
Binding Authority GL, Binding Authority Property
No items found.
Workers' Compensation
No items found.
General Liability, Inland Marine, Professional Liability
No items found.
BOP, General Liability, Umbrella, Binding Authority GL, Binding Authority Property, Other Binding Authority LOBs (5),
No items found.
Workers' Compensation
Binding Authority GL, Binding Authority Property
BOP
General Liability
Workers' Compensation
Commercial Auto
BOP, Commercial Auto, General Liability, Workers' Compensation
No items found.
Surety Bonds
Note: Some carriers included in overall snapshot count but not listed publicly on the index
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Herald builds digital infrastructure for commercial insurance

Developers can quote and bind policies from multiple carriers through a single API. For more information, reach out to us at hello@heraldapi.com.