aid: adaptive-insurance
name: Adaptive Insurance
description: >-
  Adaptive Insurance is an Austin, Texas managing general agent and insurtech platform
  founded in 2024 by former Hippo executives Mike Gulla and Arik Yelovitch, writing
  parametric and specialty coverage for climate and weather risk in the United States.
  Its flagship product, GridProtect, is a parametric power-outage policy that pays
  automatically on a verified third-party outage trigger, typically within days; the
  portfolio also includes residential and commercial wind/hail deductible buy-backs,
  standalone residential flood coverage, equipment breakdown, and a Restaurant Recovery
  product offered by Tokio Marine HCC and powered by Adaptive. Distribution runs through
  appointed agents and brokers who quote, bind and issue online in under five minutes in
  a portal backed by the company's own identity tenant, plus embedded and white-label
  partner arrangements. Adaptive publishes no public developer program - no portal,
  reference, or machine-readable specification - so this profile records the identity and
  discovery surface it does serve.
image: https://cdn.prod.website-files.com/660ca8f281e9a5dfc19bc069/67190ebfbdd7ffc32579f220_favicon.svg
url: https://raw.githubusercontent.com/api-evangelist/adaptive-insurance/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-07'
modified: '2026-09-07'
tags:
- Insurance
- Insurtech
- Parametric Insurance
- Specialty Insurance
- Climate Risk
- Weather Data
- Managing General Agent
- Flood
- Power Outage
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/adaptive-insurance-domain-security.yml
- type: Website
  url: https://www.adaptiveinsurance.com/
- type: Blog
  url: https://www.adaptiveinsurance.com/blog
- type: Support
  url: https://www.adaptiveinsurance.com/contact
- type: SignUp
  url: https://app.adaptiveinsurance.com/registration
- type: Login
  url: https://app.adaptiveinsurance.com/
- type: TermsOfService
  url: https://www.adaptiveinsurance.com/terms-conditions
- type: PrivacyPolicy
  url: https://www.adaptiveinsurance.com/privacy-policy
- type: LLMsTxt
  url: llms/adaptive-insurance-llms.txt
- type: WellKnown
  url: well-known/adaptive-insurance-well-known.yml
- type: Authentication
  url: authentication/adaptive-insurance-authentication.yml
- type: OAuthScopes
  url: scopes/adaptive-insurance-scopes.yml
- type: Conformance
  url: conformance/adaptive-insurance-conformance.yml
- type: Plans
  url: plans/adaptive-insurance-plans-pricing.yml
- type: RateLimits
  url: rate-limits/adaptive-insurance-rate-limits.yml
- type: DomainSecurity
  url: security/adaptive-insurance-domain-security.yml
x-enrichment:
  date: '2026-09-07'
  status: minimal
  artifacts_added: 10
  pass: local-v3
x-coverage:
  state: none
  reason: no-developer-program
  detail: >-
    Adaptive Insurance runs a live application backend at api.adaptiveinsurance.com that
    answers only its own agent portal - every probed path returns the same JSON 404
    envelope and there is no /docs, /openapi.json or discovery document - and the public
    site never uses the word API, offering embedded and white-label partnership only
    through a contact form.
  evidence:
    - url: https://api.adaptiveinsurance.com/openapi.json
      status: 404
    - url: https://api.adaptiveinsurance.com/docs
      status: 404
    - url: https://www.adaptiveinsurance.com/sitemap.xml
      status: 200
    - url: https://www.adaptiveinsurance.com/llms.txt
      status: 200
    - url: https://auth.adaptiveinsurance.com/.well-known/openid-configuration
      status: 200
  checked: '2026-09-07'