Agents can’t sell or settle insurance. They can call it.

One API for claims and coverage. Your agent runs the open work, and licensed adjusters and producers perform the acts the state reserves.

Request access How it works

No decision, no charge. Every fee is flat and fixed when you post.

41 ms200 OK
Claimfirst party
Wind and hail damage clm_8f3ka92 Homeowners · Texas · Policy HO3-4482-TX
  1. FNOL intakeRoof and gutters, loss on Jul 14Jul 15
  2. AcknowledgmentSent on the record, day 1 of 15Jul 16
  3. File assemblyLast item received: the roof estimateJul 24
  4. Coverage readHO-3 forms matched to the perilJul 27
  5. Estimate reviewLine items checked against photosJul 27
  6. DecisionLicensed adjuster, TX all‑linesPENDING_ADJUSTER
  7. PaymentThe record returns on your webhook
Responseapplication/json
{
  "claim": "clm_8f3ka92",
  "stage": "evaluate",
  "status": "PENDING_ADJUSTER",
  "reservedAct": {
    "verb": "adjust",
    "license": "TX all-lines adjuster",
    "verified": "at_call_time",
    "authority": "delegated_by_carrier",
    "fee": { "shape": "flat", "fixed": "at_post" }
  }
}

Most of insurance is information work. The state reserves only a few acts to licensed people. api.insure makes those acts callable, too.

Where the line falls

Open verbs run inside your agent. Reserved verbs return a typed state and route to a licensed professional.

Claims

Adjuster-reserved

FNOL intakeFile assemblyCoverage readEstimate review
InvestigateAdjustSettle Routes to a licensed adjusterPENDING_ADJUSTER

Coverage

Producer-reserved

Quote mathDocument prepRenewal watch
SellSolicitNegotiateBind Routes to a licensed producerPENDING_PRODUCER
Drawn per state and line of authority, so your agent stops at the line.

A license on every act

Every reserved act lands on a live license and a person’s own judgment, then returns a record.

Licensed at the act

A live license is checked at call time, per state and line.

Judgment stays human

The adjuster decides on the prepared file, or sends it back.

The record returns

Decision, attestation and payment record return by webhook.

Every clock has an owner

State deadlines to acknowledge, decide and pay run as code, and close only on evidence.

clm_8f3ka92 · Texas

State timers are built in. No setting can extend one.

Acknowledge15 days from notice
Decide15 business days from a complete file
Pay5 business days from acceptance
Time usedStatutory windowWeekend, skipped by business-day clocks

Wherever insurance happens

Coverage at checkout, a binder at closing, a claim after the storm. One API.

At checkout

Rate and bind coverage inside a car purchase.

At closing

A flood binder ready before the keys.

After the storm

A claim filed from three photos.

Hand it to your agent

The same nouns and verbs as MCP tools. Your agent stops exactly where the API stops.

mcp.json
{
  "mcpServers": {
    "api.insure": {
      "url": "https://api.insure/mcp"
    }
  }
}

Tools

submitFNOLgetClaimrequestQuotebindQuote
Agent sessionclm_8f3ka92
  1. callsubmitFNOL policy HO3-4482-TX, wind_hail, TX
  2. 202clm_8f3ka92 · stage notice · clocks started
  3. callgetClaim clm_8f3ka92
  4. 200PENDING_ADJUSTER adjust, TX all‑lines adjuster
  5. agentDeciding this claim is reserved to a licensed adjuster. Waiting for decision.issued.
  6. eventdecision.issued approved, attestation att_71b0e4

Billed when the act happens

Each reserved act carries a flat fee, fixed when you post it. No decision, no charge.

ActFileOutcomeMeter
adjustclm_8f3ka92ApprovedBilled
adjustclm_7d21m40DeniedBilled
adjustclm_6b90q17Sent backNo charge
bindqt_31c8f0BoundBilled
bindqt_44be07Not boundNo charge

Flat per act

Never scaled to claim size.

Fixed at post

Set before the work starts.

Your ceiling

A hard spend cap you set.

Questions

The short answers. The docs have the rest.

Does api.insure decide claims?

No. A licensed adjuster on the network decides every claim, under authority your carrier or MGA delegates. Your agent runs the open work, and the API stops it at the reserved act and returns PENDING_ADJUSTER until the adjuster attests.

What can my agent do without a license?

Everything the state leaves open: intake, acknowledgment, file assembly, coverage reads, estimate review, quote math and document prep. Adjusting and settling a claim, and selling, negotiating and binding coverage, route to licensed professionals.

Who does the adjuster answer to?

The carrier. Delegated authority runs from the carrier's claims-handling agreement, and the adjuster decides in their own licensed judgment. No platform process can commit past their refusal, and their flat fee never moves with the outcome.

How is it priced?

Each reserved act carries a flat fee, fixed when you post the work. The meter releases once per act, on an issued decision or a bound policy, so a send-back costs nothing. A denial is a decision and is billed like one.

Can my agent use it over MCP?

Yes. The MCP server at api.insure/mcp has the same nouns and verbs as the HTTP API, so your agent files and reads claims, requests quotes and binds over MCP, and stops at the same reserved acts.

Make insurance callable.

Tell us what your agent needs to do, and we’ll set up your access.

Request access