aid: zensurance
url: https://raw.githubusercontent.com/api-evangelist/zensurance/refs/heads/main/apis.yml
name: Zensurance
kind: company
description: Zensurance is a Toronto-based digital commercial insurance brokerage founded
  in 2016 that sells small-business and freelancer coverage online across every Canadian
  province, placing risk with Canadian carriers rather than underwriting it. Its book
  is commercial property and casualty — general and commercial general liability, professional
  liability and errors and omissions, cyber liability, directors and officers, commercial
  property, commercial auto, builder's risk, and a long tail of trade- and profession-specific
  packages — sold through a quote-to-bind web flow marketed as an instant online price
  with licensed broker support and claims advocacy behind it. It sits in the thin digital-broker
  layer beneath Canada's Big-Few carrier oligopoly, in a market with no open-insurance
  mandate — OSFI supervises federally-regulated insurers prudentially while FSRA, the
  AMF, and the other provincial regulators own market conduct, and Consumer-Driven Banking
  excludes insurance outright. Its API posture reflects that. Zensurance publishes no
  public, self-serve developer portal, no reference documentation, and no downloadable
  OpenAPI, Swagger, GraphQL, or AsyncAPI definition. The company's partnership page
  advertises "seamless API integrations and co-branded white-label tools" for distribution
  partners, but the only route to that surface is a partnership application form —
  the integration is partner-gated and privately negotiated. A first-party host at
  api.zensurance.com answers on the public internet (HTTP 200, returning a bare version
  string, with a /health endpoint) but it is the undocumented backend for Zensurance's
  own quoting and policy application, not a published product API. No ACORD, AL3, ACORD
  XML, NGDS, or agency-management-system integration claim appears anywhere on the
  company's public web properties. The one machine-addressable surface the company
  does publish for automated consumers is an llms.txt at www.zensurance.com/llms.txt
  — a 178KB marketing index of its pages, blog posts, and FAQs (which inadvertently
  lists its zenstage.wpengine.com staging host rather than the production domain).
  It describes insurance products for AI assistants; it documents no API.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Canada
- Insurtech
- Broker
- Property and Casualty
- Commercial Insurance
- Small Business Insurance
- Cyber Insurance
- Digital Brokerage
- Partner Gated
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis: []
common:
- type: Website
  url: https://www.zensurance.com/
- type: Blog
  url: https://www.zensurance.com/blog
- type: BlogRSS
  url: https://www.zensurance.com/feed
- type: Partners
  url: https://www.zensurance.com/zensurance-partnerships
  name: Zensurance Partnership Program
  description: Partner program page. Advertises "seamless API integrations and co-branded
    white-label tools" for distribution partners, but exposes no documentation, no
    endpoints, and no specification — access is by partnership application form only.
- type: CustomerPortal
  url: https://app.zensurance.com/
  name: Zensurance Customer Application
  description: Authenticated first-party web application for quoting and managing
    policies. Login wall, not a developer surface.
- type: GitHubOrganization
  url: https://github.com/zensurance
  name: Zensurance Inc.
  description: Public GitHub organization ("Toronto based Insurtech startup"). Repositories
    are internal tooling, Google Apps Script templates, and forked Azure AI samples
    — no API definitions or client SDKs published.
- type: Careers
  url: https://www.zensurance.com/careers
- type: PrivacyPolicy
  url: https://www.zensurance.com/privacy-policy
- type: TermsOfService
  url: https://www.zensurance.com/terms-of-use
  name: Terms of Service
  description: Public terms of service for the Zensurance website and customer
    application. Verified HTTP 200 on 2026-07-25.
- type: Support
  url: https://www.zensurance.com/contact
  name: Contact Us
  description: Public contact page — phone, email, and broker contact form, plus
    24/7 claims support. Zensurance also runs a Zendesk instance at
    zensurance.zendesk.com, but its help centre is not public (/hc/en-us returns
    403; the root redirects to a sign-in wall), so the contact page is the only
    open support channel.
- type: SignUp
  url: https://www.zensurance.com/quote
  name: Get a Quote
  description: Self-serve quote-to-bind entry point, which is how a customer
    account is created. This is the consumer sign-up path — there is no developer
    or API sign-up, and no partner API onboarding outside the partnership
    application form.
- type: LLMsTxt
  url: llms/zensurance-llms.txt
  name: Zensurance llms.txt
  description: Harvested verbatim from https://www.zensurance.com/llms.txt (HTTP
    200, 178KB). A marketing index of pages, blog posts, and FAQs for AI
    assistants — no API, endpoint, or developer content in it. Its links point at
    the zenstage.wpengine.com staging host rather than www.zensurance.com.
- type: DomainSecurity
  url: security/zensurance-domain-security.yml
  name: Domain and transport security posture
  description: Probed TLS/HSTS on www, api, and app hosts and DNSSEC/CAA/SPF/DMARC
    on zensurance.com. HSTS everywhere; no DNSSEC, no CAA; SPF present, DMARC at
    p=quarantine; api and app negotiate TLS 1.2 only.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com