# io.tooloracle/insuranceoracle

> InsuranceOracle - 12 insurance compliance tools: GDV, BaFin VAG, Solvency II, IDD.

- name: io.tooloracle/insuranceoracle
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 90/100
- quality: 79/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.tooloracle%2Finsuranceoracle
- tools: https://api.protogrid.dev/v1/servers/io.tooloracle%2Finsuranceoracle/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "insuranceoracle": {
      "type": "http",
      "url": "https://tooloracle.io/insurance/mcp/"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 65
- provenance: 90
- drivers: +repository +namespace-matches-repo +dns-namespace +reachable +uptime-100% ~updated-166d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 79/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-03-26; 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: insurance_regulation (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); insurance_news (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); earthquake_risk (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); …
- pass `tools.token_cost`: about 1,365 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

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

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

- tools: 12, about 1,365 tokens to load them all
- tool set hash: 55e55d3dd53af71c1e26ee7861be93a9
- badge: [![protogrid quality](https://protogrid.dev/badge/io.tooloracle/insuranceoracle.svg)](https://protogrid.dev/servers/io.tooloracle/insuranceoracle)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://tooloracle.io/insurance/mcp/ (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (12)

- `claim_news`: Major insurance claim news by event type: storm, flood, earthquake, hail, fire, cyber.
- `earthquake_risk`: Real-time earthquake data from USGS. Filter by time period, minimum magnitude, and proximity to a location.
- `health_check`: InsuranceOracle server status and backend connectivity check.
- `insurance_company`: Look up EU insurance company by name or LEI number. Returns GLEIF registration status, country, address, and Wikidata enrichment.
- `insurance_glossary`: Explain insurance and Solvency II terms in German or English. Covers: SCR, MCR, ORSA, SFCR, IDD, LEI, NAT CAT, reinsurance, premium, DORA, IFRS 17.
- `insurance_news`: Insurance industry news by topic. Topics: solvency, life, health, property, liability, auto, reinsurance, regulation, natcat, cyber, claims, dora.
- `insurance_regulation`: EU and German insurance regulatory news and updates. Topics: general, bafin, eiopa, idd, gdpr, dora, ifrs17, sustainability, consumer.
- `natcat_history`: Historical natural catastrophe statistics for risk modeling. Significant events by type.
- `natcat_live`: Live natural catastrophe alerts worldwide from GDACS. Returns earthquakes, floods, cyclones, wildfires sorted by severity.
- `risk_score`: Combined location risk score (0-100) for underwriting: earthquake + weather/storm + NatCat proximity.
- `solvency_check`: Solvency II compliance news and GLEIF registration status for an insurer.
- `weather_risk`: 7-day weather risk assessment for any location. Returns storm, flood, and wind risk with insurance recommendations.