The API Report CardAPI Index
Branch

Branch API

Bundled Home + Auto Insurance Carrier (API-First Insurtech) · ourbranch.com

A GraphQL quote-to-bind API is publicly documented at docs.v2.api.ourbranch.com with a staging sandbox and webhooks. Credentials are sales-gated through api@ourbranch.com, rate limits and SLA live inside commercial agreements, and every offer edit mints a new immutable offer ID.

Last verified: October 2026InsuranceNO MCP
API GRADE
C
VERIFIED OCT 2026

SCORECARD

ExistenceGOODA GraphQL quote-to-bind API publicly documented at docs.v2.api.ourbranch.com, with a second staff-app surface.
AccessPOORNo self-serve signup: API keys come through api@ourbranch.com and business-development approval.
CoverageMIXEDThe surface is the quote-to-bind flow: quotes, offers, bind, policy documents. Servicing operations are not documented.
AuthMIXEDA single API key in the Authorization header, plus an optional affinity-code header; no OAuth.
Docs & DXMIXEDPublic GraphQL docs with a staging sandbox, but no first-party SDK, and sandbox parity is not guaranteed.
StabilityMIXEDOffers are immutable: every edit mints a new offer ID to reconcile, and signed PDF links expire in 15 minutes.
MCPNONENo official or community MCP server was found for Branch insurance. VERIFIED 2026-08
Supergood turns hard-to-integrate enterprise software into clean REST APIs and MCP tools: stable endpoints, normalized JSON, managed auth.

Frequently asked questions

Branch scores C on Supergood's API Report Card. A GraphQL quote-to-bind API is publicly documented at docs.v2.api.ourbranch.com with a staging sandbox and webhooks. Credentials are sales-gated through api@ourbranch.com, rate limits and SLA live inside commercial agreements, and every offer edit mints a new immutable offer ID.

Tried to integrate with Branch?
SOURCES
No self-serve developer signup, API keys are sales-gated, partners cannot sign up and start building against sandbox the way Stripe/Plaid allow docs.v2.api.ourbranch.com ↗
Rate limits and SLA are not publicly documented, partners negotiate them inside commercial agreements rather than referring to a published table docs.v2.api.ourbranch.com ↗
Webhook event catalog is sparse and partner-configured rather than a public event registry, only policy-bound and document-signed events are commonly documented; granular events for endorsement, cancellation, rate change, or renewal status are not surfaced publicly docs.v2.api.ourbranch.com ↗
Immutable-offer design forces partners to re-issue `recalculateQuoteV2` calls for any customer edit, generating new offer IDs that the partner side has to reconcile against earlier IDs in their CRM/loan system docs.v2.api.ourbranch.com ↗
Signed PDF URLs expire in 15 minutes, partners that surface policy documents asynchronously must refetch them, and a stale link is a silent customer-facing failure docs.v2.api.ourbranch.com ↗
Sandbox parity is not formally guaranteed, staging behavior may lag production behavior for underwriting-guideline-sensitive flows docs.v2.api.ourbranch.com ↗
Underwriting/availability changes (driven by Branch's loss-ratio crisis and state non-renewals) propagate into API responses as `requestQuoteV2` rejections in geographies where Branch previously bound, partners report sudden quote-decline rates without prior notice insuranceinsiderus.com ↗
Two GraphQL surfaces (consumer vs staff) with no published cross-cutting changelog, integrators have to discover schema drift via failed calls tyk.io ↗
Carrier financial distress is itself an API risk, multiple rounds of layoffs raise questions about ongoing API support quality and roadmap continuity, which is a real consideration for partners embedding Branch into critical purchase flows trueup.io ↗
Steep renewal premium increases, policies frequently double or triple after year one coveragecat.com ↗
Mixed claims handling and slow customer-service responsiveness glassdoor.com ↗
Underwriting losses and non-renewals, 143.3% loss ratio in 2022, $70.6M underwriting loss for 9M-2023, leading to state-level non-renewals and cancellations insuranceinsiderus.com ↗
Two rounds of layoffs in 2023-2024 totaling ~271 employees (186 in June 2023, plus a second round seven months later), operational disruption visible to partners and policyholders trueup.io ↗
Coverage tightening and underwriting guideline changes mid-cycle have surprised customers and partner-platform borrowers expecting prior pricing coveragecat.com ↗
Glassdoor employee reviews flag financial-stability concerns and ongoing organizational restructuring glassdoor.com ↗