---
title: "api.insure"
description: "api.insure is one API for claims and coverage: an agent runs the open work, and licensed adjusters and producers perform the acts the state reserves."
url: "https://api.insure/"
---

# 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. No decision, no charge: every fee is flat and fixed when you post.

## Where the line falls

- Claims. Open to your agent: FNOL intake, file assembly, coverage read, estimate review. Reserved to a licensed adjuster: investigate, adjust, settle. A reserved act answers PENDING_ADJUSTER.
- Coverage. Open to your agent: quote math, document prep, renewal watch. Reserved to a licensed producer: sell, solicit, negotiate, bind. A bind answers PENDING_PRODUCER.

## A license on every act

- 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. Texas: acknowledge within 15 days of notice, decide within 15 business days of a complete file, pay within 5 business days of acceptance.

## Billed when the act happens

Each reserved act carries a flat fee, fixed when you post it, and the meter releases once per act. Approved and denied decisions are billed; a send-back is not. A bound policy is billed; an unbound quote is not. You set a hard spend ceiling.

## Questions

### 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.

## Links

- [Docs](https://api.insure/docs) · [API reference](https://api.insure/docs/api) · [MCP tools](https://api.insure/docs/mcp) · [Humans in the loop](https://api.insure/docs/humans)
- [Blog](https://api.insure/blog) · [Request access](https://api.insure/access)
- For adjusters: [gigs.claims](https://gigs.claims)