# Menlo

> Complete a Menlo application, authorize carrier quote requests and answer quote follow-ups.

- name: com.menloinsurance/mcp
- version: 0.3.0
- connection class: R0 (autonomous)
- trust: 83/100 flags: no-repository
- quality: 79/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.menloinsurance%2Fmcp
- tools: https://api.protogrid.dev/v1/servers/com.menloinsurance%2Fmcp/tools

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

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% +updated-20d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 79/100 (good)

### protocol: 88 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- warn `protocol.list_ttl`: tools/list carries no ttlMs, so clients re-fetch it

### 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: 100 (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
- pass `tools.annotations`: 12 of 12 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 3,594 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`: 46 tool changes in 30 days
- fail `stability.rug_pull`: 2 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: 12, about 3,594 tokens to load them all
- tool set hash: c874c837e93123cd1e10a03c1592f7ab
- tools last changed: 2026-10-19T20:01:50.517Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.menloinsurance/mcp.svg)](https://protogrid.dev/servers/com.menloinsurance/mcp)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-19 `answer_additional_questions` changed (outputSchema)
- 2026-10-19 `get_quote_status` changed (outputSchema)
- 2026-10-19 `submit_quote_request` changed (outputSchema)
- 2026-10-18 `get_connected_quote_profile` changed (description)
  - before: Returns the identifier and display name of the one connected quote, or a new-quote connection label before its draft is started. The connection covers one quote, not a customer account.
  - after: Use this when you need to know which quote this connection covers. Returns the identifier and display name of the one connected quote, or a new-quote connection label before its draft is started. The connection covers one quote, not a customer account.
- 2026-10-18 `attach_quote_document` added
  - Use this when a question marked attachDocument, on the current application page or among carrier follow-ups, asks for a document such as a replacement cost estimate or an existing policy or application, and the customer has attached it or wants to provide it. Pass the customer's attachment as file when this chat app supports file inputs; Menlo checks it is a PDF, JPEG or PNG up to 5 MB, keeps it with that question and saves the question's upload answer, which can resume eligible carrier processing. When no file arrives, returns attached false, a website upload link for the customer and the next step. An attached existing policy or application can suggest answers, saved with answer_quote_page once the customer confirms each. Takes the current baseRevision and an eventId; a retry of the same file reuses its eventId. Do not use for a file that answers no open document question, or for protected information.
- 2026-10-18 `answer_additional_questions` changed (description, inputSchema)
  - before: Saves answers to the connected quote’s outstanding follow-up questions and returns the updated status. A save can overwrite earlier answers and resume affected carrier processing. Coverage limits, deductibles, consent, attestations and protected information are not accepted; they are completed on Menlo’s website. Takes the current baseRevision and an eventId; the same eventId with the same answers returns the original result.
  - after: Use this when the customer has answered outstanding carrier follow-up questions from get_missing_questions. Saves those answers and returns the updated status. Takes the current baseRevision and an eventId; the same eventId with the same answers returns the original result. A save can overwrite earlier answers and resume affected carrier processing. Do not use for application-page questions (answer_quote_page), a document (attach_quote_document), consent, attestations or protected information.
- 2026-10-18 `get_missing_questions` changed (description, outputSchema)
  - before: Returns the connected quote’s outstanding follow-up questions and correction requests, deduplicated across carriers, with the current baseRevision. Questions marked for the website (protected information) cannot be answered through this connection.
  - after: Use this when get_quote_status reports answer_questions or the customer asks what carriers still need. Returns outstanding follow-up questions, document requests (attachDocument) and correction requests, deduplicated across carriers, with the current baseRevision. Questions marked answerOnWebsite (protected information) cannot be answered through this connection.
- 2026-10-18 `get_quote_status` changed (description)
  - before: Returns the connected quote’s stage, carrier outcomes and available quotes. Premiums are indicative carrier results and nothing is bound. Includes a waiting-on-carriers message and whether an MCP Events quote.updated subscription is active. Reading does not activate notifications, start carrier processing or list other quotes.
  - after: Use this when the customer asks how their connected quote is going or what happens next. Returns its stage, carrier outcomes, available quotes and next action. Premiums are indicative carrier results and nothing is bound. Includes a waiting-on-carriers message and whether an MCP Events quote.updated subscription is active. Reading does not activate notifications, start carrier processing or list other quotes.
- 2026-10-18 `submit_quote_request` changed (description)
  - before: Accepts the customer's explicitly confirmed application review and displayed quote consent, records acceptance of Menlo's Terms and requests eligible carrier quotes through Menlo's existing workflow. Sends application information to carriers and may authorize consumer reports. Requires separate quotes:submit OAuth permission, a current reviewToken and the exact customerConfirmation from the displayed review; OAuth and saved answers do not constitute agreement. Identical reviewToken and payload retries return the original submission without duplicate requests. Does not purchase, bind coverage, choose coverage, sign a carrier application or enroll in SMS. Other MCP clients retain broker-review holds; the reviewer demo never dispatches.
  - after: Use this only after the customer has seen review_quote_application's answers and consent and explicitly confirmed them in this conversation. Records acceptance of Menlo's Terms and requests eligible carrier quotes through Menlo's existing workflow. Sends application information to carriers and may authorize consumer reports. Requires separate quotes:submit OAuth permission, a current reviewToken and the exact customerConfirmation from the displayed review; OAuth and saved answers do not constitute agreement. Identical reviewToken and payload retries return the original submission without duplicate requests. Does not purchase, bind coverage, choose coverage, sign a carrier application or enroll in SMS. Other MCP clients retain broker-review holds; the reviewer demo never dispatches.
- 2026-10-18 `review_quote_application` changed (description)
  - before: Returns the connected application's ordinary answers, exact quote-authorization consent, Terms link and a short-lived revision-bound reviewToken when ready. Protected values are excluded. Reading does not request carrier quotes or accept terms.
  - after: Use this when the current page reports section review and the customer wants to request quotes. Returns the application's answers, the exact quote-authorization consent, the Terms link and a short-lived revision-bound reviewToken when ready; show them to the customer. Protected values are excluded. Reading does not request carrier quotes or accept terms.

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

## Remotes

- https://www.menloinsurance.com/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (12)

- `answer_additional_questions`: Use this when the customer has answered outstanding carrier follow-up questions from get_missing_questions. Saves those answers and returns the updated status. Takes the current baseRevision and an eventId; the same eventId with the same answers returns the original result. A save can overwrite earlier answers and resume affected carrier processing. Do not use for application-page questions (answer_quote_page), a document (attach_quote_document), consent, attestations or protected information.
- `answer_quote_page`: Use this when the customer has answered questions on the current application page, including coverage choices they made. Saves those answers and returns the updated page. Takes the current baseRevision and an eventId; the same eventId with the same answers returns the original result. A save can overwrite earlier answers and can start or resume eligible carrier processing under the website’s existing rules; it is not final submission. Do not use for protected information, consent, signatures or a document upload (use attach_quote_document).
- `attach_quote_document`: Use this when a question marked attachDocument, on the current application page or among carrier follow-ups, asks for a document such as a replacement cost estimate or an existing policy or application, and the customer has attached it or wants to provide it. Pass the customer's attachment as file when this chat app supports file inputs; Menlo checks it is a PDF, JPEG or PNG up to 5 MB, keeps it with that question and saves the question's upload answer, which can resume eligible carrier processing. When no file arrives, returns attached false, a website upload link for the customer and the next step. An attached existing policy or application can suggest answers, saved with answer_quote_page once the customer confirms each. Takes the current baseRevision and an eventId; a retry of the same file reuses its eventId. Do not use for a file that answers no open document question, or for protected information.
- `get_connected_quote_profile`: Use this when you need to know which quote this connection covers. Returns the identifier and display name of the one connected quote, or a new-quote connection label before its draft is started. The connection covers one quote, not a customer account.
- `get_current_page`: Use this when continuing the connected quote's application, and again after every save. Returns the current page: grouped questions, visibility conditions, ZIP/state prefills, document questions (attachDocument) and whether the page must be completed on Menlo’s website (protected questions). Reading never starts carrier processing. Do not use for carrier follow-up questions after submission; use get_missing_questions.
- `get_missing_questions`: Use this when get_quote_status reports answer_questions or the customer asks what carriers still need. Returns outstanding follow-up questions, document requests (attachDocument) and correction requests, deduplicated across carriers, with the current baseRevision. Questions marked answerOnWebsite (protected information) cannot be answered through this connection.
- `get_quote_link`: Use this when the customer prefers to fill in a quote request on Menlo's website rather than in chat. Returns the website link for a formId from list_products. Does not create, read or submit an application.
- `get_quote_status`: Use this when the customer asks how their connected quote is going or what happens next. Returns its stage, carrier outcomes, available quotes and next action. Premiums are indicative carrier results and nothing is bound. Includes a waiting-on-carriers message and whether an MCP Events quote.updated subscription is active. Reading does not activate notifications, start carrier processing or list other quotes.
- `list_products`: Use this when a customer wants an insurance quote and you need the coverage Menlo can quote and where, for example builders risk insurance for a home renovation, vacant home insurance, a difference-in-conditions (DIC) policy alongside the California FAIR Plan, or event insurance for a wedding. Returns each published quote form's formId, label, states served, website quote link and how requests are processed. Availability does not guarantee eligibility or a carrier quote. Do not use for claims or changes to an existing policy.
- `review_quote_application`: Use this when the current page reports section review and the customer wants to request quotes. Returns the application's answers, the exact quote-authorization consent, the Terms link and a short-lived revision-bound reviewToken when ready; show them to the customer. Protected values are excluded. Reading does not request carrier quotes or accept terms.
- `start_quote`: Use this when the customer wants to apply in chat for a product from list_products, such as event insurance for a wedding, or to resume the one quote this connection holds. Requires website sign-in consent first. Creates one empty draft for the formId that matches the customer's stated need; repeated calls return the same quote and a different product cannot replace it. Returns the current application page. Does not request carrier pricing, accept terms or submit the application.
- `submit_quote_request`: Use this only after the customer has seen review_quote_application's answers and consent and explicitly confirmed them in this conversation. Records acceptance of Menlo's Terms and requests eligible carrier quotes through Menlo's existing workflow. Sends application information to carriers and may authorize consumer reports. Requires separate quotes:submit OAuth permission, a current reviewToken and the exact customerConfirmation from the displayed review; OAuth and saved answers do not constitute agreement. Identical reviewToken and payload retries return the original submission without duplicate requests. Does not purchase, bind coverage, choose coverage, sign a carrier application or enroll in SMS. Other MCP clients retain broker-review holds; the reviewer demo never dispatches.