aid: cooperators url: https://raw.githubusercontent.com/api-evangelist/cooperators/refs/heads/main/apis.yml name: The Co-operators kind: company description: >- The Co-operators is a Canadian insurance and financial services co-operative, formed in 1978 from the amalgamation of the Saskatchewan and Ontario co-operative insurers whose roots run back to the Co-operative Life Insurance Company founded in Regina in 1945. It is owned by Canadian co-operatives, credit union centrals and farm organizations rather than public shareholders, and writes multi-line property and casualty, home, auto, farm, travel and life insurance alongside group benefits, group retirement and savings, wealth management and institutional asset management, reporting more than $62 billion in assets under administration, nearly 7,000 employees and more than 2,800 licensed insurance representatives across Canada. Its API posture is partner-gated. There is no first-party developer portal on cooperators.ca — developer, developers, docs, api and partners subdomains do not resolve in DNS, and /developers, /developer, /api, /partners and /integrations all return HTTP 404 — while the advisor and broker channel is a set of sign-in walls (lifeportal.cooperators.ca, benefitsnowlogon.cooperators.ca, basis.cooperators.ca, illustration.cumis.com). The only public API surface in the group belongs to its embedded-insurance brand Duuo, whose Duuo Platform partner APIs cover account, quote, payment and policy issuance for tenant and event insurance behind a signed partnership agreement and issued OAuth 2.0 client credentials; the developer portal Duuo advertises at developer.duuo.ca is a Postman-hosted documentation domain that returns HTTP 404 as of 2026-07-25. No ACORD, AL3 or CSIO reference was found anywhere in the company's public materials. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Insurance - Canada - Property and Casualty - Life Insurance - Group Benefits - Embedded Insurance - Co-operative - Wealth Management - Partner API created: '2026-07-25' modified: '2026-07-25' specificationVersion: '0.19' apis: - aid: cooperators:duuo-platform-api name: Duuo Platform API description: >- Partner-gated embedded insurance API from Duuo, the digital insurance brand of The Co-operators. Duuo's own published documentation describes APIs for account, quote and policy, risk rating and payment so partners can embed tenant and event insurance into their own applications. Access is not self-serve: partners engage the Duuo partnerships team, sign a partnership agreement, are assigned a Partner Account Manager, and are then issued API access credentials, a partner-specific host and the detailed API reference. Authentication is OAuth 2.0 client_credentials, with the client id and secret supplied as an HTTP Basic header to a partner-issued token URL and the resulting bearer token sent on every call. The publicly published operations covered quote and bind/issue for two products — event insurance (create entity, create quote, get quote, make payment, create policy, email policy) and tenant insurance (check eligibility, update quote, add insured, make payment) — with no claims or FNOL surface. The developer portal Duuo links to from duuo.ca, https://developer.duuo.ca/, is a Postman-hosted documentation domain that returned HTTP 404 on 2026-07-25; the collection it published has been unpublished, so no live public reference remains. The OpenAPI 3.1 in this repo is a derivation by API Evangelist from an Internet Archive capture of that same Duuo-published Postman collection — ten operations across two strictly ordered product flows, with Duuo's own request and response examples, error shapes and Partner Accepted Testing values carried through. It is a historical, non-live-verified reconstruction, not a provider-published spec. Consent booleans are load-bearing request fields on both flows, there is no idempotency key on the money- and policy-binding writes, and no webhook, claims, policy-read or quote-status operation exists. humanURL: https://duuo.ca/embedded-partners/ tags: - Embedded Insurance - Quote - Policy - Tenant Insurance - Event Insurance - Partner API properties: - type: Documentation url: https://duuo.ca/embedded-partners/ - type: Website url: https://duuo.ca/ - type: SignUp url: https://duuo.ca/new-partners/ - type: GettingStarted url: https://duuo.ca/embedded-partners/ name: Duuo partner onboarding — discovery, agreement, credentials, build, test, compliance review, go live - type: Support url: https://intercom.help/duuo-support/en/ name: Duuo help centre - type: TermsOfService url: https://duuo.ca/terms-of-use - type: PrivacyPolicy url: https://duuo.ca/privacy - type: Blog url: https://duuo.ca/blog/ - type: OpenAPI url: openapi/cooperators-duuo-platform-openapi.yml name: Duuo Platform API (OpenAPI 3.1, derived from Duuo's archived published Postman collection — not live-verified) - type: Overlay url: overlays/cooperators-duuo-platform-overlay.yaml - type: Authentication url: authentication/cooperators-authentication.yml - type: Conventions url: conventions/cooperators-conventions.yml - type: ErrorCatalog url: errors/cooperators-problem-types.yml - type: DataModel url: data-model/cooperators-data-model.yml - type: Sandbox url: sandbox/cooperators-sandbox.yml name: Partner Accepted Testing (PAT) environment and published test cards — credentials issued by a Partner Account Manager, not self-serve - type: Lifecycle url: lifecycle/cooperators-lifecycle.yml - type: Conformance url: conformance/cooperators-conformance.yml - type: AgenticAccess url: agentic-access/cooperators-agentic-access.yml - type: MCPServer url: mcp/cooperators-mcp.yml name: Duuo Platform MCP tool surface (CANDIDATE — derived from the OpenAPI, NOT published or hosted by the provider) - type: AgentSkill url: skills/_index.yml name: Agent skills for the two Duuo quote-and-bind flows - type: Arazzo url: arazzo/cooperators-event-insurance-quote-and-bind.yml name: Duuo event insurance — quote and bind - type: Arazzo url: arazzo/cooperators-tenant-insurance-quote-and-bind.yml name: Duuo tenant insurance — quote and bind common: - type: AgenticAccess url: agentic-access/cooperators-agentic-access.yml - type: Authentication url: authentication/cooperators-authentication.yml - type: DomainSecurity url: security/cooperators-domain-security.yml - type: Website url: https://www.cooperators.ca/ - type: About url: https://www.cooperators.ca/en/about-us/corporate-overview - type: SignIn url: https://www.cooperators.ca/en/advisors/sign-in - type: InvestorRelations url: https://www.cooperators.ca/en/about-us/corporate-overview/investor-relations - type: SecurityAndPrivacy url: https://www.cooperators.ca/en/security-privacy - type: LinkedIn url: https://www.linkedin.com/company/co-operators - type: TermsOfService url: https://www.cooperators.ca/en/security-privacy/legal - type: PrivacyPolicy url: https://www.cooperators.ca/en/security-privacy/privacy-policy - type: Support url: https://www.cooperators.ca/en/contact-us - type: News url: https://www.cooperators.ca/en/about-us/newsroom - type: Blog url: https://duuo.ca/blog/ name: Duuo blog (the group's only public developer-adjacent publishing surface) - type: Careers url: https://www.cooperators.ca/en/about-us/careers - type: Sustainability url: https://www.cooperators.ca/en/about-us/sustainability - type: CodeOfConduct url: https://www.cooperators.ca/en/about-us/code-of-ethics-business-conduct - type: Accessibility url: https://www.cooperators.ca/en/client-resources/accessibility-plan-details - type: LLMsTxt url: llms/cooperators-llms.txt - type: Conventions url: conventions/cooperators-conventions.yml - type: ErrorCatalog url: errors/cooperators-problem-types.yml - type: Lifecycle url: lifecycle/cooperators-lifecycle.yml - type: Conformance url: conformance/cooperators-conformance.yml - type: DataModel url: data-model/cooperators-data-model.yml - type: Sandbox url: sandbox/cooperators-sandbox.yml - type: AgentSkill url: skills/_index.yml maintainers: - FN: Kin Lane email: kin@apievangelist.com