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Full detail: Where this data comes from
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. stere.io references a "Stere Docs," "API Changelog," and "API Status" area under /developer/, but those paths (stere.io/developer/stere-docs, /developer/api-changelog, /developer/api-status) return 404 publicly as of this review. No OpenAPI/Swagger document, base URL, authentication scheme, or sandbox signup is published. Integration is provisioned per customer after a sales-led insurer/MGA/partner onboarding engagement. The APIs listed below are honestly modeled from Stere's own product marketing pages, not from a published API reference, and are flagged endpointsModeled: true.
APIs.json: https://raw.githubusercontent.com/api-evangelist/stere/refs/heads/main/apis.yml
- Insurance
- Insurtech
- Embedded Insurance
- API-as-a-Service
- MGA
- Underwriting
- Distribution
- Created: 2026-07-03
- Modified: 2026-07-03
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.
- Human URL: https://www.stere.io/stere-api/as-a-service
- Endpoints modeled: yes (no published base URL or API reference)
- Underwriting
- Rate
- Quote
- Bind
- Policy Issuance
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.
- Human URL: https://www.stere.io/insurance/stere-distribution
- Endpoints modeled: yes
- Distribution
- Brokers
- Embedded Insurance
- Webhooks
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.
- Human URL: https://www.stere.io/insurance/stere-claims
- Endpoints modeled: yes
- Claims
- FNOL
- Insurance
A buy-now-pay-later gateway (first launched publicly in 2023) that lets insurers and distribution partners offer policyholders installment payment plans for insurance premiums, integrated into the existing quote/bind/payment flow.
- Human URL: https://www.stere.io/payments/stere-pay-later
- Endpoints modeled: yes
- Payments
- BNPL
- Premium Financing
FN: Kin Lane
Email: kin@apievangelist.com