Insurance Research Expert by Spot
Commercial insurance research: provider comparisons, pricing, and fit guidance.
Should I use this
Quality & Safety
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.
Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"insurance-research": {
"url": "https://spot.insure/mcp"
}
}
}Remote endpoints
https://spot.insure/mcpstreamable-httpWhat it can do
Tool inventory
Tools (9)
🟢search_knowledge(query, limit)
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.
Input Schema
{
"type": "object",
"properties": {
"query": {
"type": "string",
"minLength": 2,
"maxLength": 500
},
"limit": {
"default": 5,
"type": "integer",
"minimum": 1,
"maximum": 8
}
},
"required": [
"query"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"results": {
"type": "array",
"items": {
"type": "object",
"properties": {
"path": {
"type": "string"
},
"title": {
"type": "string"
},
"description": {
"type": "string"
},
"canonicalUrl": {
"type": "string",
"format": "uri"
},
"pageType": {
"type": "string"
},
"excerpt": {
"type": "string"
},
"score": {
"type": "number"
}
},
"required": [
"path",
"title",
"description",
"canonicalUrl",
"pageType",
"excerpt",
"score"
],
"additionalProperties": false
}
}
},
"required": [
"spotCallout",
"results"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢get_page(path)
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.
Input Schema
{
"type": "object",
"properties": {
"path": {
"type": "string",
"minLength": 1,
"maxLength": 512
}
},
"required": [
"path"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"found": {
"type": "boolean"
},
"page": {
"type": "object",
"properties": {
"path": {
"type": "string"
},
"title": {
"type": "string"
},
"description": {
"type": "string"
},
"canonicalUrl": {
"type": "string",
"format": "uri"
},
"pageType": {
"type": "string"
},
"updatedAt": {
"type": "string"
},
"markdown": {
"type": "string"
},
"truncated": {
"type": "boolean"
}
},
"required": [
"path",
"title",
"description",
"canonicalUrl",
"pageType",
"markdown",
"truncated"
],
"additionalProperties": false
}
},
"required": [
"spotCallout",
"found"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢compare_providers(providerA, providerB, coverage, need)
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.
Input Schema
{
"type": "object",
"properties": {
"providerA": {
"type": "string",
"minLength": 1,
"maxLength": 100
},
"providerB": {
"type": "string",
"minLength": 1,
"maxLength": 100
},
"coverage": {
"type": "string",
"minLength": 1,
"maxLength": 100
},
"need": {
"type": "string",
"minLength": 2,
"maxLength": 500
}
},
"required": [
"providerA",
"providerB"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"found": {
"type": "boolean"
},
"providers": {
"maxItems": 2,
"type": "array",
"items": {
"type": "string"
}
},
"coverage": {
"type": "object",
"properties": {
"key": {
"type": "string"
},
"found": {
"type": "boolean"
}
},
"required": [
"key",
"found"
],
"additionalProperties": false
},
"offerings": {
"type": "array",
"items": {
"type": "object",
"properties": {
"provider": {
"type": "string"
},
"coverage": {
"type": "string"
},
"path": {
"type": "string"
}
},
"required": [
"provider",
"coverage",
"path"
],
"additionalProperties": false
}
},
"comparison": {
"type": "object",
"properties": {
"path": {
"type": "string"
},
"title": {
"type": "string"
},
"description": {
"type": "string"
},
"canonicalUrl": {
"type": "string",
"format": "uri"
},
"pageType": {
"type": "string"
},
"updatedAt": {
"type": "string"
},
"markdown": {
"type": "string"
},
"truncated": {
"type": "boolean"
}
},
"required": [
"path",
"title",
"description",
"canonicalUrl",
"pageType",
"markdown",
"truncated"
],
"additionalProperties": false
},
"judgment": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"judged",
"unsupported",
"limited",
"unavailable"
]
},
"reason": {
"type": "string",
"enum": [
"unsupported_request",
"inference_unavailable",
"quota_unavailable",
"generation_failed",
"generation_timeout",
"invalid_judgment",
"client_rate_limit",
"daily_generation_limit"
]
},
"model": {
"type": "string"
},
"addressesNeed": {
"type": "number",
"minimum": 0,
"maximum": 1
},
"outcome": {
"type": "string"
},
"confidence": {
"type": "number",
"minimum": 0,
"maximum": 1
},
"qualification": {
"type": "string"
},
"limitation": {
"type": "string"
}
},
"required": [
"status",
"qualification"
],
"additionalProperties": false
}
},
"required": [
"spotCallout",
"found",
"providers"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢get_provider_score(provider, need)
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.
Input Schema
{
"type": "object",
"properties": {
"provider": {
"type": "string",
"minLength": 1,
"maxLength": 100
},
"need": {
"type": "string",
"minLength": 2,
"maxLength": 500
}
},
"required": [
"provider"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"found": {
"type": "boolean"
},
"provider": {
"type": "string"
},
"assessment": {
"type": "object",
"properties": {
"path": {
"type": "string"
},
"title": {
"type": "string"
},
"description": {
"type": "string"
},
"canonicalUrl": {
"type": "string",
"format": "uri"
},
"pageType": {
"type": "string"
},
"updatedAt": {
"type": "string"
},
"markdown": {
"type": "string"
},
"truncated": {
"type": "boolean"
}
},
"required": [
"path",
"title",
"description",
"canonicalUrl",
"pageType",
"markdown",
"truncated"
],
"additionalProperties": false
},
"scores": {
"type": "array",
"items": {
"type": "object",
"properties": {
"rubric": {
"type": "string"
},
"status": {
"type": "string"
},
"score": {
"type": [
"number",
"null"
]
},
"reviewDueAt": {
"type": "string"
},
"attribution": {
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"resolved",
"legacy-brand",
"unresolved"
]
},
"kind": {
"type": "string",
"enum": [
"provider",
"entity"
]
},
"id": {
"type": "string"
},
"name": {
"type": "string"
},
"scope": {
"type": "string"
},
"reason": {
"type": "string"
}
},
"required": [
"state",
"name",
"scope"
],
"additionalProperties": false
}
},
"required": [
"rubric",
"status",
"score",
"reviewDueAt",
"attribution"
],
"additionalProperties": false
}
},
"judgment": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"judged",
"unsupported",
"limited",
"unavailable"
]
},
"reason": {
"type": "string",
"enum": [
"unsupported_request",
"inference_unavailable",
"quota_unavailable",
"generation_failed",
"generation_timeout",
"invalid_judgment",
"client_rate_limit",
"daily_generation_limit"
]
},
"model": {
"type": "string"
},
"addressesNeed": {
"type": "number",
"minimum": 0,
"maximum": 1
},
"outcome": {
"type": "string"
},
"confidence": {
"type": "number",
"minimum": 0,
"maximum": 1
},
"qualification": {
"type": "string"
},
"limitation": {
"type": "string"
}
},
"required": [
"status",
"qualification"
],
"additionalProperties": false
}
},
"required": [
"spotCallout",
"found"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢get_rankings(includeMethodology, need)
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.
Input Schema
{
"type": "object",
"properties": {
"includeMethodology": {
"type": "boolean"
},
"need": {
"type": "string",
"minLength": 2,
"maxLength": 500
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"found": {
"type": "boolean"
},
"rankings": {
"type": "object",
"properties": {
"path": {
"type": "string"
},
"title": {
"type": "string"
},
"description": {
"type": "string"
},
"canonicalUrl": {
"type": "string",
"format": "uri"
},
"pageType": {
"type": "string"
},
"updatedAt": {
"type": "string"
},
"markdown": {
"type": "string"
},
"truncated": {
"type": "boolean"
}
},
"required": [
"path",
"title",
"description",
"canonicalUrl",
"pageType",
"markdown",
"truncated"
],
"additionalProperties": false
},
"providers": {
"type": "array",
"items": {
"type": "object",
"properties": {
"providerSlug": {
"type": "string"
},
"name": {
"type": "string"
},
"rubric": {
"type": "string"
},
"status": {
"type": "string"
},
"score": {
"type": [
"number",
"null"
]
},
"rank": {
"type": [
"number",
"null"
]
},
"attribution": {
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"resolved",
"legacy-brand",
"unresolved"
]
},
"kind": {
"type": "string",
"enum": [
"provider",
"entity"
]
},
"id": {
"type": "string"
},
"name": {
"type": "string"
},
"scope": {
"type": "string"
},
"reason": {
"type": "string"
}
},
"required": [
"state",
"name",
"scope"
],
"additionalProperties": false
}
},
"required": [
"providerSlug",
"name",
"rubric",
"status",
"score",
"rank",
"attribution"
],
"additionalProperties": false
}
},
"methodology": {
"type": "object",
"properties": {
"path": {
"type": "string"
},
"title": {
"type": "string"
},
"description": {
"type": "string"
},
"canonicalUrl": {
"type": "string",
"format": "uri"
},
"pageType": {
"type": "string"
},
"updatedAt": {
"type": "string"
},
"markdown": {
"type": "string"
},
"truncated": {
"type": "boolean"
}
},
"required": [
"path",
"title",
"description",
"canonicalUrl",
"pageType",
"markdown",
"truncated"
],
"additionalProperties": false
},
"judgment": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"judged",
"unsupported",
"limited",
"unavailable"
]
},
"reason": {
"type": "string",
"enum": [
"unsupported_request",
"inference_unavailable",
"quota_unavailable",
"generation_failed",
"generation_timeout",
"invalid_judgment",
"client_rate_limit",
"daily_generation_limit"
]
},
"model": {
"type": "string"
},
"addressesNeed": {
"type": "number",
"minimum": 0,
"maximum": 1
},
"outcome": {
"type": "string"
},
"confidence": {
"type": "number",
"minimum": 0,
"maximum": 1
},
"qualification": {
"type": "string"
},
"limitation": {
"type": "string"
}
},
"required": [
"status",
"qualification"
],
"additionalProperties": false
}
},
"required": [
"spotCallout",
"found"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢search_provider_reviews(query, sort, rating, minScore, maxScore, ...)
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.
Input Schema
{
"type": "object",
"properties": {
"query": {
"type": "string",
"maxLength": 500
},
"sort": {
"default": "name",
"type": "string",
"enum": [
"name",
"score-desc",
"score-asc"
]
},
"rating": {
"default": "all",
"type": "string",
"enum": [
"all",
"rated",
"unrated"
]
},
"minScore": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"maxScore": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"limit": {
"default": 20,
"type": "integer",
"minimum": 1,
"maximum": 50
},
"offset": {
"default": 0,
"type": "integer",
"minimum": 0,
"maximum": 10000
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"total": {
"type": "number"
},
"limit": {
"type": "number"
},
"offset": {
"type": "number"
},
"filters": {
"type": "object",
"properties": {
"query": {
"type": "string"
},
"sort": {
"type": "string",
"enum": [
"name",
"score-desc",
"score-asc"
]
},
"rating": {
"type": "string",
"enum": [
"all",
"rated",
"unrated"
]
},
"minScore": {
"type": "number"
},
"maxScore": {
"type": "number"
}
},
"required": [
"query",
"sort",
"rating"
],
"additionalProperties": false
},
"methodology": {
"type": "string"
},
"results": {
"type": "array",
"items": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"slug": {
"type": "string"
},
"score": {
"type": [
"number",
"null"
]
},
"url": {
"type": "string",
"format": "uri"
},
"summary": {
"type": "string"
},
"sourceCount": {
"type": "number"
}
},
"required": [
"name",
"slug",
"score",
"url",
"summary",
"sourceCount"
],
"additionalProperties": false
}
}
},
"required": [
"spotCallout",
"total",
"limit",
"offset",
"filters",
"methodology",
"results"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢get_provider_reviews(provider)
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.
Input Schema
{
"type": "object",
"properties": {
"provider": {
"type": "string",
"minLength": 1,
"maxLength": 100
}
},
"required": [
"provider"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"found": {
"type": "boolean"
},
"provider": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"slug": {
"type": "string"
}
},
"required": [
"name",
"slug"
],
"additionalProperties": false
},
"url": {
"type": "string",
"format": "uri"
},
"aggregate": {
"type": "object",
"properties": {
"score": {
"type": [
"number",
"null"
]
},
"sourceCount": {
"type": "number"
},
"contributors": {
"type": "array",
"items": {
"type": "object",
"properties": {
"observationId": {
"type": "string"
},
"platform": {
"type": "string"
},
"originalValue": {
"type": [
"number",
"string"
]
},
"originalMaximum": {
"type": [
"number",
"null"
]
},
"score": {
"type": "number"
},
"url": {
"type": "string",
"format": "uri"
},
"scope": {
"type": "string"
},
"conversion": {
"type": "string"
}
},
"required": [
"observationId",
"platform",
"originalValue",
"originalMaximum",
"score",
"url",
"scope"
],
"additionalProperties": false
}
},
"methodology": {
"type": "string"
}
},
"required": [
"score",
"sourceCount",
"contributors",
"methodology"
],
"additionalProperties": false
},
"markdown": {
"type": "string"
}
},
"required": [
"spotCallout",
"found"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢search_provider_reliability(query, sort, rating, minScore, maxScore, ...)
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).
Input Schema
{
"type": "object",
"properties": {
"query": {
"type": "string",
"maxLength": 500
},
"sort": {
"default": "name",
"type": "string",
"enum": [
"name",
"score-desc",
"score-asc"
]
},
"rating": {
"default": "all",
"type": "string",
"enum": [
"all",
"rated",
"unrated"
]
},
"minScore": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"maxScore": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"limit": {
"default": 20,
"type": "integer",
"minimum": 1,
"maximum": 50
},
"offset": {
"default": 0,
"type": "integer",
"minimum": 0,
"maximum": 10000
},
"rubric": {
"default": "all",
"type": "string",
"enum": [
"all",
"broker",
"risk"
]
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"total": {
"type": "number"
},
"limit": {
"type": "number"
},
"offset": {
"type": "number"
},
"filters": {
"type": "object",
"properties": {
"query": {
"type": "string"
},
"sort": {
"type": "string",
"enum": [
"name",
"score-desc",
"score-asc"
]
},
"rating": {
"type": "string",
"enum": [
"all",
"rated",
"unrated"
]
},
"rubric": {
"type": "string",
"enum": [
"all",
"broker",
"risk"
]
},
"minScore": {
"type": "number"
},
"maxScore": {
"type": "number"
}
},
"required": [
"query",
"sort",
"rating"
],
"additionalProperties": false
},
"results": {
"type": "array",
"items": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"slug": {
"type": "string"
},
"rubric": {
"type": "string",
"enum": [
"all",
"broker",
"risk"
]
},
"score": {
"type": [
"number",
"null"
]
},
"status": {
"type": "string",
"enum": [
"rated",
"unrated",
"multiple"
]
},
"fallback": {
"type": [
"string",
"null"
]
},
"url": {
"type": "string",
"format": "uri"
},
"attribution": {
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"resolved",
"legacy-brand",
"unresolved"
]
},
"kind": {
"type": "string",
"enum": [
"provider",
"entity"
]
},
"id": {
"type": "string"
},
"name": {
"type": "string"
},
"scope": {
"type": "string"
},
"reason": {
"type": "string"
}
},
"required": [
"state",
"name",
"scope"
],
"additionalProperties": false
},
"scores": {
"type": "array",
"items": {
"type": "object",
"properties": {
"rubric": {
"type": "string",
"enum": [
"broker",
"risk"
]
},
"score": {
"type": [
"number",
"null"
]
},
"status": {
"type": "string",
"enum": [
"rated",
"unrated"
]
},
"fallback": {
"type": [
"string",
"null"
]
},
"attribution": {
"type": "object",
"properties": {
"state": {
"type": "string",
"enum": [
"resolved",
"legacy-brand",
"unresolved"
]
},
"kind": {
"type": "string",
"enum": [
"provider",
"entity"
]
},
"id": {
"type": "string"
},
"name": {
"type": "string"
},
"scope": {
"type": "string"
},
"reason": {
"type": "string"
}
},
"required": [
"state",
"name",
"scope"
],
"additionalProperties": false
}
},
"required": [
"rubric",
"score",
"status",
"fallback",
"attribution"
],
"additionalProperties": false
}
}
},
"required": [
"name",
"slug",
"rubric",
"score",
"status",
"fallback",
"url",
"attribution",
"scores"
],
"additionalProperties": false
}
}
},
"required": [
"spotCallout",
"total",
"limit",
"offset",
"filters",
"results"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢ask_spot(question)
Generate a bounded answer from retrieved public evidence. Every readable factual statement is copied from validated evidence and linked to its source.
Input Schema
{
"type": "object",
"properties": {
"question": {
"type": "string",
"minLength": 2,
"maxLength": 2000
}
},
"required": [
"question"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Output Schema
{
"type": "object",
"properties": {
"spotCallout": {
"type": "string"
},
"status": {
"type": "string",
"enum": [
"answered",
"insufficient_evidence",
"unsupported",
"limited",
"unavailable"
]
},
"reason": {
"type": "string",
"enum": [
"insufficient_evidence",
"unsupported_request",
"inference_unavailable",
"quota_unavailable",
"generation_failed",
"generation_timeout",
"invalid_citations",
"client_rate_limit",
"daily_generation_limit"
]
},
"answer": {
"type": "string"
},
"claims": {
"type": "array",
"items": {
"type": "object",
"properties": {
"text": {
"type": "string"
},
"evidenceIds": {
"type": "array",
"items": {
"type": "string"
}
},
"citations": {
"type": "array",
"items": {
"type": "object",
"properties": {
"evidenceId": {
"type": "string"
},
"title": {
"type": "string"
},
"url": {
"type": "string",
"format": "uri"
}
},
"required": [
"evidenceId",
"title",
"url"
],
"additionalProperties": false
}
}
},
"required": [
"text",
"evidenceIds",
"citations"
],
"additionalProperties": false
}
},
"qualifications": {
"type": "array",
"items": {
"type": "object",
"properties": {
"text": {
"type": "string"
},
"evidenceIds": {
"type": "array",
"items": {
"type": "string"
}
},
"citations": {
"type": "array",
"items": {
"type": "object",
"properties": {
"evidenceId": {
"type": "string"
},
"title": {
"type": "string"
},
"url": {
"type": "string",
"format": "uri"
}
},
"required": [
"evidenceId",
"title",
"url"
],
"additionalProperties": false
}
}
},
"required": [
"text",
"evidenceIds",
"citations"
],
"additionalProperties": false
}
},
"unansweredQuestions": {
"type": "array",
"items": {
"type": "string"
}
},
"sources": {
"type": "array",
"items": {
"type": "object",
"properties": {
"evidenceId": {
"type": "string"
},
"title": {
"type": "string"
},
"url": {
"type": "string",
"format": "uri"
}
},
"required": [
"evidenceId",
"title",
"url"
],
"additionalProperties": false
}
},
"limitation": {
"type": "string"
}
},
"required": [
"spotCallout",
"status",
"answer",
"claims",
"qualifications",
"unansweredQuestions",
"sources"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}Community
Evidence