# Insurance Research Expert by Spot

> Commercial insurance research: provider comparisons, pricing, and fit guidance.

- name: insure.spot/insurance-research
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 90/100
- quality: 73/100 (needs work)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/insure.spot%2Finsurance-research
- tools: https://api.protogrid.dev/v1/servers/insure.spot%2Finsurance-research/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "insurance-research": {
      "type": "http",
      "url": "https://spot.insure/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 85
- provenance: 75
- drivers: +repository +dns-namespace +reachable +uptime-100% ~updated-33d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 73/100 (needs work)

### 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 declares ttlMs 0, so clients re-fetch it on every use

### 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: 86 (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`: 9 of 9 tools declare readOnlyHint or destructiveHint
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: search_knowledge (idempotentHint); get_page (idempotentHint); compare_providers (idempotentHint); …
- pass `tools.token_cost`: about 1,677 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`: 26 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: 9, about 1,677 tokens to load them all
- tool set hash: b5958afb41b5e83c331836207677e763
- tools last changed: 2026-10-12T12:18:18.162Z
- badge: [![protogrid quality](https://protogrid.dev/badge/insure.spot/insurance-research.svg)](https://protogrid.dev/servers/insure.spot/insurance-research)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-12 `get_page` changed (description)
  - before: Retrieve a complete published Spot or The General Average research page by canonical path or URL, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, best-of rankings at /best, /best/{line} and /best/{line}/{segment}, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.
  - after: Retrieve a complete published Spot page by canonical path or URL, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, best-of rankings at /best, /best/{line} and /best/{line}/{segment}, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.
- 2026-10-12 `search_knowledge` changed (description)
  - before: Search published Spot pages and the insurance research The General Average publishes at thegeneralaverage.com: industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, best-of provider rankings by coverage line and business type, provider reviews, Reliability Scores, rankings, and rating methodology, with deterministic lexical retrieval. Research results carry thegeneralaverage.com URLs.
  - after: Search published Spot pages and Spot's insurance research: industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, best-of provider rankings by coverage line and business type, provider reviews, Reliability Scores, rankings, and rating methodology, with deterministic lexical retrieval. Research results carry thegeneralaverage.com URLs.
- 2026-10-02 `search_provider_reliability` changed (title, description)
  - before: Search published Spot Score assessments by query, status, and score range, and sort by name or displayed score. rubric=all sorts and filters by the combined score (the average of the Broker and Carrier & MGA scores, or the one a provider has).
  - after: Search published Reliability Score assessments by query, status, and score range, and sort by name or displayed score. rubric=all sorts and filters by the combined score (the average of the Broker and Carrier & MGA scores, or the one a provider has).
- 2026-10-02 `get_rankings` changed (description)
  - before: Retrieve the current published Spot Score rankings. Broker scores and Carrier & MGA scores are ranked separately; the directory also shows a combined score, the average of the two. Partial scores and unrated assessments keep their qualifications. Use search_provider_reliability for provider, score, and status filters. Optional need runs a bounded editorial judgment over the published tables only.
  - after: Retrieve the current published Reliability Score rankings. Broker scores and Carrier & MGA scores are ranked separately; the directory also shows a combined score, the average of the two. Partial scores and unrated assessments keep their qualifications. Use search_provider_reliability for provider, score, and status filters. Optional need runs a bounded editorial judgment over the published tables only.
- 2026-10-02 `get_provider_score` changed (title, description)
  - before: Retrieve a published reliability assessment and Spot Score for one provider. Provider aliases resolve to the canonical assessment. This is an editorial score for a stated role and scope, not an AM Best rating or a recommendation. Optional need runs a bounded editorial judgment over that assessment only.
  - after: Retrieve a published reliability assessment and Reliability Score for one provider. Provider aliases resolve to the canonical assessment. This is an editorial score for a stated role and scope, not an AM Best rating or a recommendation. Optional need runs a bounded editorial judgment over that assessment only.
- 2026-10-02 `compare_providers` changed (description, outputSchema)
  - before: Retrieve a published, sourced provider comparison. Provider aliases and reversed ordering resolve to the one canonical comparison. Optional coverage (for example "cyber", "D&O" or "workers comp") returns the coverage-line comparison for that pair when one is published; the response lists every available line comparison for the pair. Optional need runs a bounded editorial judgment over that page only; it does not invent a ranking or a purchase recommendation.
  - after: Retrieve a published, sourced provider comparison. Provider aliases and reversed ordering resolve to the one canonical comparison. Optional coverage (for example "cyber", "D&O" or "workers comp") also lists each provider's published offering page for that line; per-coverage line comparisons are retired and their URLs redirect to the pair comparison. Optional need runs a bounded editorial judgment over that page only; it does not invent a ranking or a purchase recommendation.
- 2026-10-02 `get_page` changed (description)
  - before: Retrieve a complete published page by canonical path, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, best-of rankings at /best, /best/{line} and /best/{line}/{segment}, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.
  - after: Retrieve a complete published Spot or The General Average research page by canonical path or URL, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, best-of rankings at /best, /best/{line} and /best/{line}/{segment}, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.
- 2026-10-02 `search_knowledge` changed (description)
  - before: Search published Spot pages, industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, best-of provider rankings by coverage line and business type, provider reviews, Spot Scores, rankings, and rating methodology with deterministic lexical retrieval.
  - after: Search published Spot pages and the insurance research The General Average publishes at thegeneralaverage.com: industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, best-of provider rankings by coverage line and business type, provider reviews, Reliability Scores, rankings, and rating methodology, with deterministic lexical retrieval. Research results carry thegeneralaverage.com URLs.
- 2026-10-01 `get_page` changed (description)
  - before: Retrieve a complete published page by canonical path, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.
  - after: Retrieve a complete published page by canonical path, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, best-of rankings at /best, /best/{line} and /best/{line}/{segment}, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.
- 2026-10-01 `search_knowledge` changed (description)
  - before: Search published Spot pages, industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, provider reviews, Spot Scores, rankings, and rating methodology with deterministic lexical retrieval.
  - after: Search published Spot pages, industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, best-of provider rankings by coverage line and business type, provider reviews, Spot Scores, rankings, and rating methodology with deterministic lexical retrieval.

Full history: https://api.protogrid.dev/v1/servers/insure.spot%2Finsurance-research/changes

## Remotes

- https://spot.insure/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (9)

- `ask_spot`: Generate a bounded answer from retrieved public evidence. Every readable factual statement is copied from validated evidence and linked to its source.
- `compare_providers`: Retrieve a published, sourced provider comparison. Provider aliases and reversed ordering resolve to the one canonical comparison. Optional coverage (for example "cyber", "D&O" or "workers comp") also lists each provider's published offering page for that line; per-coverage line comparisons are retired and their URLs redirect to the pair comparison. Optional need runs a bounded editorial judgment over that page only; it does not invent a ranking or a purchase recommendation.
- `get_page`: Retrieve a complete published Spot page by canonical path or URL, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, best-of rankings at /best, /best/{line} and /best/{line}/{segment}, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.
- `get_provider_reviews`: Resolve a provider name, alias, or slug and retrieve its published review summary, Review Score contributors, original source metrics, qualifications, and full Markdown with citations. Unpublished or unavailable review records return found:false.
- `get_provider_score`: Retrieve a published reliability assessment and Reliability Score for one provider. Provider aliases resolve to the canonical assessment. This is an editorial score for a stated role and scope, not an AM Best rating or a recommendation. Optional need runs a bounded editorial judgment over that assessment only.
- `get_rankings`: Retrieve the current published Reliability Score rankings. Broker scores and Carrier & MGA scores are ranked separately; the directory also shows a combined score, the average of the two. Partial scores and unrated assessments keep their qualifications. Use search_provider_reliability for provider, score, and status filters. Optional need runs a bounded editorial judgment over the published tables only.
- `search_knowledge`: Search published Spot pages and Spot's insurance research: industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, best-of provider rankings by coverage line and business type, provider reviews, Reliability Scores, rankings, and rating methodology, with deterministic lexical retrieval. Research results carry thegeneralaverage.com URLs.
- `search_provider_reliability`: Search published Reliability Score assessments by query, status, and score range, and sort by name or displayed score. rubric=all sorts and filters by the combined score (the average of the Broker and Carrier & MGA scores, or the one a provider has).
- `search_provider_reviews`: Search published provider reviews by query, Review Score range, and rating availability; sort alphabetically or by displayed Review Score. Scores equally weight eligible source ratings on a 10-point scale and use an approximate academic conversion for BBB grades. Use get_provider_reviews for source-level evidence.