# CoverBureau

> Checks certificates of insurance (ACORD 25) against your requirements. Pay per call, x402 USDC.

- name: com.coverbureau/mcp
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 79/100 flags: no-repository
- quality: 63/100 (needs work)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.coverbureau%2Fmcp
- tools: https://api.protogrid.dev/v1/servers/com.coverbureau%2Fmcp/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "coverbureau": {
      "type": "http",
      "url": "https://coverbureau.com/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 99
- freshness: 85
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-97% ~updated-33d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 63/100 (needs work)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 71 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: check_carrier (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); extract_coi (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); validate_coi (readOnlyHint, destructiveHint, idempotentHint, openWorldHint)
- pass `tools.token_cost`: about 1,392 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 25 (weight 15)

- warn `stability.changes`: 6 tool changes in 30 days
- fail `stability.rug_pull`: 1 tools kept their name but changed most of their description in 30 days; review before trusting them

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 3, about 1,392 tokens to load them all
- tool set hash: f3beba2e399230231cc8fa6b0a1c2df5
- tools last changed: 2026-10-04T14:23:41.769Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.coverbureau/mcp.svg)](https://protogrid.dev/servers/com.coverbureau/mcp)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-04 `validate_coi` changed (description)
  - before: Extract an ACORD 25 certificate AND judge it against a requirement profile (inline or profileId), returning a signed Verdict with per-check results, flags, and a risk score (spec §3.2).
  - after: Extract an ACORD 25 certificate AND judge it against a requirement profile (inline or profileId), returning a signed Verdict with per-check results, flags, and a risk score (spec §3.2). Use extract_coi instead if you only want the fields without a verdict; use check_carrier only when you have no certificate, since this tool already checks the carrier when your profile sets a carrier requirement.
- 2026-10-04 `check_carrier` changed (description)
  - before: Check an insurer by NAIC code or name: known, licensed, and adequately rated (spec §3.3). Provide at least one of naic or carrierName, plus state (required). Answers from an UNVERIFIED seed dataset (§4.5 datasetStatus) and returns a signed envelope.
  - after: Check an insurer by NAIC code or name: known, licensed, and adequately rated (spec §3.3). Provide at least one of naic or carrierName, plus state (required). Answers from an UNVERIFIED seed dataset (§4.5 datasetStatus) and returns a signed envelope. Needs no document. Use it when you have a carrier but no certificate; validate_coi already checks the carrier when you do.
- 2026-10-04 `extract_coi` changed (description) **meaning changed**
  - before: Read an ACORD 25 Certificate of Insurance into structured data (spec §3.1). Returns a signed envelope.
  - after: Read an ACORD 25 Certificate of Insurance into structured data (spec §3.1). Returns a signed envelope. Use it when you want the fields and will apply your own rules; for a verdict against requirements you supply use validate_coi instead - it extracts as part of its work, so calling both on one document pays for the same read twice.
- 2026-09-29 `validate_coi` changed (inputSchema)
- 2026-09-29 `check_carrier` changed (description, inputSchema)
  - before: Verify an insurer by NAIC code or name: known, licensed, and adequately rated (spec §3.3). Answers from an UNVERIFIED seed dataset (§4.5 datasetStatus) and returns a signed envelope.
  - after: Check an insurer by NAIC code or name: known, licensed, and adequately rated (spec §3.3). Provide at least one of naic or carrierName, plus state (required). Answers from an UNVERIFIED seed dataset (§4.5 datasetStatus) and returns a signed envelope.
- 2026-09-29 `extract_coi` changed (inputSchema)

Full history: https://api.protogrid.dev/v1/servers/com.coverbureau%2Fmcp/changes

## Remotes

- https://coverbureau.com/mcp (streamable-http, auth none, reachable true, uptime30d 0.974359)

## Packages

_none_

## Tools (3)

- `check_carrier`: Check an insurer by NAIC code or name: known, licensed, and adequately rated (spec §3.3). Provide at least one of naic or carrierName, plus state (required). Answers from an UNVERIFIED seed dataset (§4.5 datasetStatus) and returns a signed envelope. Needs no document. Use it when you have a carrier but no certificate; validate_coi already checks the carrier when you do.
- `extract_coi`: Read an ACORD 25 Certificate of Insurance into structured data (spec §3.1). Returns a signed envelope. Use it when you want the fields and will apply your own rules; for a verdict against requirements you supply use validate_coi instead - it extracts as part of its work, so calling both on one document pays for the same read twice.
- `validate_coi`: Extract an ACORD 25 certificate AND judge it against a requirement profile (inline or profileId), returning a signed Verdict with per-check results, flags, and a risk score (spec §3.2). Use extract_coi instead if you only want the fields without a verdict; use check_carrier only when you have no certificate, since this tool already checks the carrier when your profile sets a carrier requirement.