# Build on api.insure

One API for claims and coverage. Your agent runs the open work over HTTP or MCP, and every reserved act returns a typed state until a licensed professional performs it.

## Quickstart

Every call below runs keyless in the sandbox, on synthetic files.

1. Discover every door: `curl https://api.insure/.well-known/agents.json`
2. Read the claims collection: `curl 'https://api.insure/claims?peril=wind_hail'`
3. File a claim and watch it stop at the reserved act:

```bash
curl -X POST https://api.insure/claims \
  -H 'content-type: application/json' \
  -d '{"policy":"HO3-4482-TX","loss":{"date":"2026-07-14","peril":"wind_hail","state":"TX"}}'
```

4. Hand it to your agent over MCP:

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

## Open work and reserved acts

Open (your agent): intake, acknowledge, assemble, coverage read, estimate review, quote math, document prep.
Reserved (a licensed adjuster or producer): investigate, adjust, settle, sell, solicit, negotiate, bind.

Rating is open work; offering, negotiating and binding route to a licensed producer. The line is drawn per state and line of authority. Negotiating a settlement is speech, so it is gated when it is said, not only when it is signed.

## Typed states

| Type | Status | Means |
| --- | --- | --- |
| OK | 200 read, 202 write | The call did what it asked. |
| EMPTY | 200 | A truthful empty collection. |
| BLOCKED | 401, 403 | A permission boundary, with a worded reason. |
| OFFER | 402 | The call would pass your spend ceiling. |

A record waiting on a reserved act carries `status: PENDING_ADJUSTER` (a licensed adjuster) or `status: PENDING_PRODUCER` (a licensed producer).

## Claim stages

notice, acknowledge, investigate, evaluate, decide, pay. The statute's verbs (acknowledge, decide, pay) are stage verbs, so the clock and the lifecycle are one machine.

## The parties

- Carrier: the principal. Delegated authority flows from its claims-handling agreement.
- Policyholder: owed good-faith handling and the statutory clocks, on the record.
- Claimant: adverse in third-party claims, and typed that way.