Insurity P&C Insurance Platform API
Insurity REST API for P&C insurance policy administration, analytics, and digital distribution. Enables AI agents to manage commercial and personal lines policy administration for insurance underwriting automation, handle workers' compensation and specialty insurance policy lifecycle for specialized insurance lines, access insurance analytics and predictive modeling for underwriting intelligence, retrieve digital distribution and agent portal management for insurance distribution automation, manage premium audit and payroll reporting for workers' comp compliance, handle loss run and claims history reporting for underwriting data exchange, access insurtech partnership and embedded insurance integration for digital distribution, retrieve ISO rating and product configuration for insurance pricing automation, manage compliance and regulatory reporting for state insurance department filings, and integrate Insurity with ACORD, ISO, NCCI, and industry data exchange standards.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
P&C insurance. SOC2, ISO27001. OAuth2. US. Policy and workers' comp data.
⚡ Reliability
Best When
A P&C insurance carrier focused on commercial lines, workers' compensation, or specialty insurance using Insurity wants AI agents to automate policy lifecycle, premium audit, analytics, and digital distribution.
Avoid When
WORKERS' COMP REGULATORY RISK: Workers' compensation is state-monopoly or state-regulated in many jurisdictions (state fund states like WA, ND, WY, OH); automated WC policy issuance must verify jurisdiction eligibility and rates with NCCI or state rating bureau. Premium audit accuracy — automated workers' compensation premium audit classification is highly consequential; incorrect class code assignment creates retrospective premium changes and employer disputes. State filing compliance — automated rate and form changes require state insurance department prior approval; unauthorized filing violations create market conduct exam exposure.
Use Cases
- • Automating workers' comp policies from insurance underwriting agents
- • Analyzing loss data from insurance analytics agents
- • Managing agent portals from insurance distribution agents
- • Reporting premium audits from compliance agents
Not For
- • Life and health insurance without P&C commercial focus
- • Small agencies without carrier-level policy administration
- • Organizations using Guidewire or Duck Creek exclusively
Interface
Authentication
Insurity uses OAuth 2.0. REST API with JSON. Hartford, Connecticut HQ. Founded 2001 (via merger of StoneRiver and Applied Underwriters). Private (Francisco Partners-backed). Insurity serves 300+ P&C insurance carriers and MGAs. Strong in workers' compensation and specialty commercial lines. Competes with Duck Creek, Guidewire, and Majesco for P&C core systems.
Pricing
Hartford, CT. Founded 2001. Francisco Partners-backed. 300+ P&C carrier customers. Workers' comp and specialty commercial focus. Competes with Duck Creek and Guidewire.
Agent Metadata
Known Gotchas
- ⚠ WORKERS' COMP STATE MONOPOLY: Some states (WA, ND, WY, OH, and others) have state workers' comp funds with mandatory coverage; automated WC policy issuance must verify state fund requirement before issuing private carrier WC in monopoly states
- ⚠ NCCI class code accuracy — workers' compensation premium is based on NCCI (or state bureau) class codes; automated classification errors create significant retrospective premium adjustment disputes
- ⚠ Premium audit retrospective — WC premium audit (end of policy year payroll verification) creates retrospective premium change; automated audit systems must handle premium return and additional premium billing correctly
- ⚠ State filing and rate bureau — WC rates are filed with NCCI or state rating bureau; automated rate changes must use current filed rates; stale rate data creates regulatory and pricing errors
- ⚠ MGA authority limits — Insurity serves MGAs with delegated binding authority; automated policy issuance must respect MGA authority limits (line size, geography, class); exceeding authority creates E&O and carrier contract violation
- ⚠ ACORD WC transaction standards — WC ACORD transactions (130, 133) have specific data requirements for interstate experience rating; automated data exchange must conform to correct ACORD transaction standards
Alternatives
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Scores are editorial opinions as of 2026-03-07.