The State of UK Insurance APIs

About this paper

I expected to write that the London Market’s API work was invisible from the outside. That expectation was wrong, and correcting it is why this report exists. The London Market is the only place in global insurance where a functioning data standard and real public APIs coexist — achieved with no mandate, no regulator and no open-insurance rule, through coordination pressure inside a 337-year-old subscription market that cannot function without a shared contract document.

A Lloyd’s syndicate publishes more machine-readable contract than the entire American core-systems industry. One company authored a data standard and donated it to ACORD. Fourteen operations describe how capacity is written and signed, with no analogue anywhere else on earth. And not one endpoint in the country accepts a claim. The full report maps the placing-market taxonomy, the standards read, the security posture, provider-by-provider intelligence, and a candid account of where these scores are inflated by artifacts API Evangelist generated rather than providers published.

What's inside

1. Executive summary — the expectation this report overturned
2. The state of the sector — no mandate, and a market that modernised anyway
3. The resource taxonomy — a placing market, contracted
4. Bind — the London Market's unique asset
5. The composite Kin Score — and the provenance caveat
6. Agent-readiness — a market with none
7. The blueprint — what London satisfied, and what nobody has
8. Standards — the one place ACORD works, and it works backwards
9. Security, auth, scopes and consent
10. Provider-by-provider intelligence
11. The investable thesis
12. Where this is going

What you get for $500.00