# api.insure

The demand rail an agent calls when insurance work reaches a reserved step:
open work (FNOL intake, file assembly, coverage analysis, estimate review)
runs agent-native, reserved acts land on licensed authority, and the pending
state is typed PENDING_ADJUSTER, never an untyped stall. Substrate:
`insurance` (NAICS 524; ACORD document grain).

All sandbox data is labeled synthetic example data (fixture law: fictional
carriers and insureds, no real claims or documents). The anonymous sandbox is
keyless and free. Bind and quote are producer-reserved acts and are ROADMAP:
not served here, not implied.

## Doors

- `GET /claims` : the keyless branching collection (filter by `peril`, `stage`; typed OK | EMPTY | BLOCKED)
- `GET /claims/{id}` · `POST /claims` (submitFNOL) : the system-of-record doors (sandbox tenant; ephemeral disclosed retention; the sandbox commits no reserved act)
- `GET /policies` · `GET /policies/{id}` : ACORD-grain policy records
- `GET /loss-runs` · `GET /loss-runs/{id}` : normalized loss-run records
- `GET /acord-forms` · `GET /cois` · `GET /eobs` : the document-grain collections
- `GET /pricing` : model, hard ceiling, and the top-level `rates[]` per-operation rate card (test-mode: no live settlement; flat rates, never scaled to indemnity)
- `GET /icp.json` : the G2 coordinates this face is projected for
- `GET /verify` : run our tests, the public-contract suite
- `POST /mcp` : the MCP door (same nouns and verbs; one definition; authless anon-sandbox rung)

## Family

- gigs.claims : the supply-side front door for carrier-side adjusters
- lossruns.claims : the loss-run artifact door (same document grain)