aid: certificial
name: Certificial
description: 'Certificial operates the Smart COI Network, a real-time certificate
  of insurance (COI) tracking, issuance and compliance platform used by requestors,
  insureds, and insurance agents and brokers. Instead of a static PDF certificate that
  goes stale the moment a policy changes, Certificial maintains a continuously monitored
  Smart COI that reflects policy-level changes as they happen and notifies every party
  to the relationship. The company sells two API products to software platforms — an
  Insurance Tracking API for pulling real-time, source-verified coverage data and COI
  documents into a host platform, and a COI Issuance API for InsurTech and agency-management
  vendors that need to generate and automatically reissue ACORD-form certificates. The
  platform API is live at my.certificial.com/api/ but is credential-gated, and no public
  API reference, OpenAPI definition, or developer portal is published — API access is
  arranged through a sales/reseller conversation.'
image: https://cdn.prod.website-files.com/61da5f835921f2d8534e64ee/61da631ef7dad474183c7474_certificial_logo.svg
url: https://raw.githubusercontent.com/api-evangelist/certificial/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Insurance
- InsurTech
- Certificate of Insurance
- Risk Management
- Compliance
- Supplier Management
- Insurance Verification
- ACORD
- Company
apis:
- name: Certificial Insurance Tracking API
  description: 'Bi-directional API for technology platforms to request insurance coverage
    for their customers'' suppliers and receive real-time, source-verified policy data,
    PDF certificates of insurance and endorsements back into the host platform. Also
    exposes compliance status against requirements, compliance exceptions and status
    overrides, and historical coverage-change information.'
  humanURL: https://www.certificial.com/insurance-tracking-api
  baseURL: https://my.certificial.com/api/
  tags:
  - Insurance
  - Certificate of Insurance
  - Compliance
  x-evidence:
    note: 'baseURL is the observed platform API root, not a documented product base
      URL. Probed 2026-08-09 — returns HTTP 401 application/json with a WWW-Authenticate
      response header of "Token" (Django REST Framework token authentication). Certificial
      publishes no public API reference or OpenAPI definition for this product.'
    url: https://my.certificial.com/api/
    http_status: 401
  properties:
  - type: Authentication
    url: authentication/certificial-authentication.yml
- name: Certificial COI Issuance API
  description: 'API for InsurTech platforms and agency-management systems to automate
    certificate of insurance distribution — generating ACORD 24, 25, 27, 28 and 101
    forms, automatically reissuing certificates when the underlying schedule or policy
    information changes, and returning PDF copies for use inside the partner platform.'
  humanURL: https://www.certificial.com/coi-issuance-api
  baseURL: https://my.certificial.com/api/
  tags:
  - Insurance
  - Certificate of Insurance
  - ACORD
  x-evidence:
    note: 'baseURL is the observed platform API root, not a documented product base
      URL. Probed 2026-08-09 — returns HTTP 401 application/json with a WWW-Authenticate
      response header of "Token". No public API reference or OpenAPI definition is
      published for this product.'
    url: https://my.certificial.com/api/
    http_status: 401
  properties:
  - type: Authentication
    url: authentication/certificial-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.certificial.com/
- type: Pricing
  url: https://www.certificial.com/pricing
- type: SignUp
  url: https://my.certificial.com/login
- type: PrivacyPolicy
  url: https://www.certificial.com/privacy-policy
- type: TermsOfService
  url: https://www.certificial.com/user-eula
- type: Support
  url: https://support.certificial.com/portal/en/home
- type: Blog
  url: https://www.certificial.com/news
- type: Authentication
  url: authentication/certificial-authentication.yml
- type: Conformance
  url: conformance/certificial-conformance.yml
- type: DomainSecurity
  url: security/certificial-domain-security.yml
- type: LLMsTxt
  url: llms/certificial-llms.txt
x-enrichment:
  date: '2026-08-09'
  status: minimal
  artifacts_added: 5
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: >-
    Certificial markets two APIs (Insurance Tracking and COI Issuance) but publishes
    no reference for either — both product pages end at a Calendly "Setup a Call to
    Discuss our API" reseller booking, the 130-URL sitemap contains no developer or
    docs page, and the live platform API root at my.certificial.com/api/ answers 401
    with a WWW-Authenticate Token challenge.
  evidence:
  - url: https://www.certificial.com/insurance-tracking-api
    status: 200
  - url: https://my.certificial.com/api/
    status: 401
  - url: https://www.certificial.com/openapi.json
    status: 404
  - url: https://www.certificial.com/.well-known/security.txt
    status: 404
  checked: '2026-08-09'