aid: stere
url: https://raw.githubusercontent.com/api-evangelist/stere/refs/heads/main/apis.yml
name: Stere
kind: company
description: Stere is a New York-based insurance infrastructure company (founded
  2021) that lets insurers, MGAs, and distribution partners build and launch
  digital insurance products - rating, quoting, binding, policy issuance, claims,
  and premium payments - in weeks rather than years. Its core offering is a
  "Stere API-as-a-Service" underwriting API (insurers can bring their own API or
  have Stere build one) plus a separate Stere Unified API and Stere Distribution
  layer that let brokers, wholesalers, fintechs, and embedded partners reach
  multiple carriers/products through a single connection (API, SDK, and webhooks).
  Stere Claims handles FNOL and claims workflow (portions of claims assessment and
  resolution are marketed as in-development/coming soon), and Stere Pay / Stere Pay
  Later provides a buy-now-pay-later gateway for insurance premiums. There is no
  self-serve public developer portal, published API reference, OpenAPI/Swagger
  document, or sandbox signup on stere.io; the marketing site references a "Stere
  Docs," "API Changelog," and "API Status" area under /developer/, but those
  paths return 404 publicly and integration is provisioned per customer after a
  sales-led partner/insurer onboarding engagement. The APIs below are honestly
  modeled from Stere's own product marketing pages, not from a published API
  reference.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Insurtech
- Embedded Insurance
- API-as-a-Service
- MGA
- Underwriting
- Distribution
created: '2026-07-03'
modified: '2026-07-03'
specificationVersion: '0.19'
apis:
- aid: stere:stere-underwriting-api
  name: Stere Underwriting API
  tags:
  - Underwriting
  - Rate
  - Quote
  - Bind
  - Policy Issuance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/stere-api/as-a-service
  properties:
  - url: https://www.stere.io/stere-api/as-a-service
    type: Documentation
  - url: https://www.stere.io/stere-api/stere-unifed-api
    type: Documentation
  description: Stere's API-as-a-Service lets an insurer or MGA either bring its own
    existing underwriting API ("Bring-your-own-API") or have Stere build one, with
    rate, quote, bind, policy issuance, data enrichment, KYC/KYB, and billing
    capabilities, often issuing a policy within seconds with little human
    intervention. The companion Stere Unified API exposes multiple insurers'
    products through one interface for consuming platforms. No base URL,
    authentication scheme, or endpoint reference is published; access is
    provisioned per insurer/MGA under a commercial engagement.
  endpointsModeled: true
- aid: stere:stere-distribution-api
  name: Stere Distribution API
  tags:
  - Distribution
  - Brokers
  - Embedded Insurance
  - Webhooks
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/insurance/stere-distribution
  properties:
  - url: https://www.stere.io/insurance/stere-distribution
    type: Documentation
  - url: https://www.stere.io/solution/for-embedded-insurance
    type: Documentation
  description: Stere Distribution gives brokers, wholesalers, fintechs, and embedded
    partners "broad access to insurance products through a single API connection,"
    delivered as an API, SDK, webhooks, and pre-built portals so distribution
    partners can quote and bind across multiple carriers/products without
    integrating each one separately. No public endpoint reference, webhook event
    catalog, or base URL is published; partners receive credentials and
    integration docs directly from Stere.
  endpointsModeled: true
- aid: stere:stere-claims-api
  name: Stere Claims API
  tags:
  - Claims
  - FNOL
  - Insurance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/insurance/stere-claims
  properties:
  - url: https://www.stere.io/insurance/stere-claims
    type: Documentation
  description: Stere Claims covers First Notice of Loss (FNOL) intake with automated
    data enrichment today; claims processing against carrier-defined guidelines,
    automated assessment/decisioning, and resolution workflow are marketed on
    stere.io as in-development or "coming soon" rather than shipped. No API
    reference, base URL, or webhook event catalog is published for Claims.
  endpointsModeled: true
- aid: stere:stere-pay-api
  name: Stere Pay Later API
  tags:
  - Payments
  - BNPL
  - Premium Financing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.stere.io/payments/stere-pay-later
  properties:
  - url: https://www.stere.io/payments/stere-pay-later
    type: Documentation
  description: Stere Pay Later is a buy-now-pay-later gateway that lets insurers and
    distribution partners offer policyholders installment payment plans for
    insurance premiums, integrated into the existing quote/bind/payment flow.
    Stere Pay first launched publicly in 2023. No API reference, base URL, or
    pricing/settlement schedule is published; the gateway is integrated per
    partner under a commercial agreement.
  endpointsModeled: true
common:
- type: DomainSecurity
  url: security/stere-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/stereio
- type: Website
  url: https://www.stere.io/
- type: Plans
  url: plans/stere-plans-pricing.yml
- type: FinOps
  url: finops/stere-finops.yml
- type: Blog
  url: https://www.stere.io/resources/blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com