# io.github.jbiggs77/bizinsured

> AI-powered commercial insurance carrier recommendations for small businesses.

- name: io.github.jbiggs77/bizinsured
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 82/100
- quality: 75/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.jbiggs77%2Fbizinsured
- tools: https://api.protogrid.dev/v1/servers/io.github.jbiggs77%2Fbizinsured/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "bizinsured": {
      "type": "http",
      "url": "https://bizinsured.ai/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 98
- freshness: 45
- provenance: 80
- drivers: +repository +namespace-matches-repo +reachable +uptime-96% -stale-204d
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 75/100 (good)

### 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: 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`: 5 of 5 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 2,339 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`: 7 tool changes in 30 days
- fail `stability.rug_pull`: 6 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: 5, about 2,339 tokens to load them all
- tool set hash: 692644db6f55bd245a584b77b21c41f0
- tools last changed: 2026-09-30T01:06:51.664Z
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.jbiggs77/bizinsured.svg)](https://protogrid.dev/servers/io.github.jbiggs77/bizinsured)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-09-30 `connect_with_agent` changed (title, description, inputSchema, annotations) **meaning changed**
  - before: Generates a handoff to connect the user with a matched independent agent. Pass recommendation_id from get_carrier_recommendations when you have one, so the agent receives the estimate, and list every coverage the user asked for in risk_profile.desired_coverages, including ones that could not be estimated. Omit user_zip_code unless the user gave a ZIP code; never guess one.
  - after: Use this only when the user asks to speak with an agent, get real quotes or have their coverage reviewed. Saves a referral with the business details, and the linked estimate when you pass recommendation_id, for review by a licensed agent: the BizInsured team for Ohio businesses, or a partner agent elsewhere when one is available. Returns a bizinsured.ai link where the user can choose to submit contact details. The tool does not contact anyone or request a quote, and nothing is shared with an agent until the user submits that form. Do not ask for names, emails or phone numbers in chat. Each call creates a new referral, so call it once per request.
- 2026-09-30 `get_carrier_recommendations` changed (title, description, inputSchema, annotations) **meaning changed**
  - before: Returns carrier matches and market budget estimates. Supply confirmed classification and actual exposures. Missing inputs, unsupported terms and partial coverage are returned explicitly. State-fund WC is returned separately in stateFundEstimates, including an Ohio BWC estimate from published rates that is not a BWC quote.
  - after: Use this when the user wants premium estimates or carrier options for BOP, GL, WC or commercial_auto and you have the confirmed classification, the business's state, annual revenue and at least one coverage. Returns carriers whose appetite data matches, market budget estimates (not quotes) with sources, assumptions and caveats, and explicit estimateIssues for missing or unsupported inputs. Workers' comp in OH, WA, ND and WY is returned separately in stateFundEstimates; the Ohio figure is an estimate from published BWC rates, not a BWC quote. Omit any value the user did not give; never infer payroll from revenue. Each call saves the inputs and results in BizInsured's records and returns a recommendationId to pass to connect_with_agent; nothing is sent to carriers or agents.
- 2026-09-30 `explain_coverage` changed (title, description, inputSchema, annotations) **meaning changed**
  - before: Explains a commercial insurance coverage type in plain language.
  - after: Use this when the user asks what a commercial insurance coverage is or how two coverages differ. Returns a plain-language explanation of one coverage type; call it once per coverage. It cannot tell whether a specific policy covers a specific claim.
- 2026-09-30 `suggest_coverages` changed (title, description, inputSchema, annotations) **meaning changed**
  - before: Suggests which insurance coverages a business likely needs, ranked by importance.
  - after: Use this when the user asks which commercial insurance coverages their business needs. Returns coverages ranked essential, recommended or optional, each with a reason, based on the confirmed class codes and the facts the user stated. Pass naics_code and iso_gl_code from classify_business after the user confirms them, and leave out facts the user did not give. Returns no prices; use get_carrier_recommendations for estimates.
- 2026-09-30 `classify_business` changed (title, description, inputSchema, annotations) **meaning changed**
  - before: Takes a natural language business description and returns matched class codes (NAICS, ISO GL, NCCI WC). Always call this first to understand the user's business type before making recommendations.
  - after: Use this first when the user describes what their business does, to find its insurance classification before suggesting coverages or estimating premiums. Pass only the business activity, for example 'bakery' or 'HVAC contractor'; leave out the business name, city and other details. Returns up to five candidate NAICS, ISO general liability and NCCI workers' comp code sets with a text-similarity score (not an underwriting confidence) and needsClarification. When needsClarification is true, ask the user which activity fits instead of choosing one.
- 2026-09-27 `connect_with_agent` changed (description) **meaning changed**
  - before: Generates a handoff to connect the user with a matched independent agent. Omit user_zip_code unless the user gave a ZIP code; never guess one.
  - after: Generates a handoff to connect the user with a matched independent agent. Pass recommendation_id from get_carrier_recommendations when you have one, so the agent receives the estimate, and list every coverage the user asked for in risk_profile.desired_coverages, including ones that could not be estimated. Omit user_zip_code unless the user gave a ZIP code; never guess one.
- 2026-09-26 `connect_with_agent` changed (description, inputSchema)
  - before: Generates a handoff to connect the user with a matched independent agent.
  - after: Generates a handoff to connect the user with a matched independent agent. Omit user_zip_code unless the user gave a ZIP code; never guess one.

Full history: https://api.protogrid.dev/v1/servers/io.github.jbiggs77%2Fbizinsured/changes

## Remotes

- https://bizinsured.ai/mcp (streamable-http, auth none, reachable true, uptime30d 0.9557522)

## Packages

_none_

## Tools (5)

- `classify_business`: Use this first when the user describes what their business does, to find its insurance classification before suggesting coverages or estimating premiums. Pass only the business activity, for example 'bakery' or 'HVAC contractor'; leave out the business name, city and other details. Returns up to five candidate NAICS, ISO general liability and NCCI workers' comp code sets with a text-similarity score (not an underwriting confidence) and needsClarification. When needsClarification is true, ask the user which activity fits instead of choosing one.
- `connect_with_agent`: Use this only when the user asks to speak with an agent, get real quotes or have their coverage reviewed. Saves a referral with the business details, and the linked estimate when you pass recommendation_id, for review by a licensed agent: the BizInsured team for Ohio businesses, or a partner agent elsewhere when one is available. Returns a bizinsured.ai link where the user can choose to submit contact details. The tool does not contact anyone or request a quote, and nothing is shared with an agent until the user submits that form. Do not ask for names, emails or phone numbers in chat. Each call creates a new referral, so call it once per request.
- `explain_coverage`: Use this when the user asks what a commercial insurance coverage is or how two coverages differ. Returns a plain-language explanation of one coverage type; call it once per coverage. It cannot tell whether a specific policy covers a specific claim.
- `get_carrier_recommendations`: Use this when the user wants premium estimates or carrier options for BOP, GL, WC or commercial_auto and you have the confirmed classification, the business's state, annual revenue and at least one coverage. Returns carriers whose appetite data matches, market budget estimates (not quotes) with sources, assumptions and caveats, and explicit estimateIssues for missing or unsupported inputs. Workers' comp in OH, WA, ND and WY is returned separately in stateFundEstimates; the Ohio figure is an estimate from published BWC rates, not a BWC quote. Omit any value the user did not give; never infer payroll from revenue. Each call saves the inputs and results in BizInsured's records and returns a recommendationId to pass to connect_with_agent; nothing is sent to carriers or agents.
- `suggest_coverages`: Use this when the user asks which commercial insurance coverages their business needs. Returns coverages ranked essential, recommended or optional, each with a reason, based on the confirmed class codes and the facts the user stated. Pass naics_code and iso_gl_code from classify_business after the user confirms them, and leave out facts the user did not give. Returns no prices; use get_carrier_recommendations for estimates.