# Stratalize Insurance Underwriting Benchmark API

> Stratalize Insurance Underwriting Benchmark API is a paid API for AI agents from www.stratalize.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Returns NAIC-sourced underwriting performance benchmarks (combined ratio, loss ratio, expense ratio, reserve adequacy) by line of business and company size for insurance professionals.

## Facts

- Endpoint: GET https://www.stratalize.com/api/x402/insurance-benchmark
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/stratalize-insurance-underwriting-benchmark-api-09b8928d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_qP3x3vR9Y-tQ4FmjC8hWR

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability stratalize-insurance-underwriting-benchmark-api-09b8928d
```

Example prompt: Pull the NAIC underwriting benchmarks for property and casualty insurance at a mid-size company — I need the combined ratio, loss ratio, expense ratio, and reserve adequacy to compare against our book.

## When to prefer this

Choose this endpoint when an insurance CFO, actuary, or risk analyst needs authoritative NAIC-sourced underwriting performance benchmarks segmented by line of business and company size, especially when cryptographic verifiability of the data is required. Prefer over general financial data APIs when the specific metrics needed are combined ratio, loss ratio, expense ratio, or reserve adequacy in an insurance context.

## Known failure modes

- Invalid line_of_business enum value returns 400 error
- Invalid company_size enum value returns 400 error
- Payment failure (insufficient USDC balance) prevents call
- Benchmark data temporarily unavailable for a specific line of business
- Network timeout on the $0.02 USDC x402 payment handshake

## How this service works

Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.stratalize.com/verify). Use when an insurance CFO or actuary needs underwriting performance benchmarks. Returns combined ratio, loss ratio, expense ratio, and reserve adequacy by line of business. Example: P&C median combined ratio 97.8%. Source: NAIC

## Output

Returns industry benchmark statistics including combined ratio, loss ratio, expense ratio, and reserve adequacy for the specified line of business and company size tier, sourced from NAIC data. Each response is ML-DSA-65 cryptographically signed and includes a verifiable receipt at trust.stratalize.com/verify.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "company_size": {
   "enum": [
    "small",
    "mid_size",
    "large"
   ],
   "type": "string",
   "description": "Request parameter: company size"
  },
  "line_of_business": {
   "enum": [
    "property_casualty",
    "commercial_liability",
    "workers_comp",
    "auto",
    "homeowners",
    "life",
    "health",
    "specialty"
   ],
   "type": "string",
   "description": "Request parameter: line of business"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/stratalize-insurance-underwriting-benchmark-api-09b8928d/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from www.stratalize.com](https://www.zero.xyz/host/www.stratalize.com/llms.txt)