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io.github.jbiggs77/bizinsured

by jbiggs77 · remote · no sign-in to list tools · v1.0.0 · published by GitHub user jbiggs77

AI-powered commercial insurance carrier recommendations for small businesses.

Changes · 4
CompareRegistry entry

5 tools: 4 change things and 1 only read.

Scanned Oct 21, 2026

1 check matched something in the tool definitions. No finding is not a safety guarantee. How the checks work.

claude mcp add --transport http bizinsured https://bizinsured.ai/mcp

Findings

Matches of fixed checks, with the text they matched.

1 warn
  • Warnget_carrier_recommendations

    The server marks "get_carrier_recommendations" as not read-only (readOnlyHint: false), and its words say it reads.

    Matched text

    annotations: {"readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":false}; The name "get_carrier_recommendations" says "get": a word for reading.

    What this check looks for

Tools

Open a tool for its reasons and full description. Descriptions are the publisher's own words, shown as they are.

5 tools

Changes things 4Claude Code: ask
  • classify_businessUse this first when the user describes what their business does, to find its insurance classification before suggesting coverages or estimating premiums.No findings

    Why it is in this group

    • Nothing in its name or description says what it does, so it is counted as a write.
    • The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • idempotentHint: true
  • connect_with_agentUse this only when the user asks to speak with an agent, get real quotes or have their coverage reviewed.No findings

    Why it is in this group

    • Nothing in its name or description says what it does, so it is counted as a write.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: false
    • destructiveHint: false
    • openWorldHint: false
    • idempotentHint: false
  • get_carrier_recommendationsUse 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…1 finding

    Why it is in this group

    • The name "get_carrier_recommendations" says "get": a word for reading.
    • The server marks it as not read-only (readOnlyHint: false).

    Findings

    • Warn

      The server marks "get_carrier_recommendations" as not read-only (readOnlyHint: false), and its words say it reads.

      Matched text

      annotations: {"readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":false}; The name "get_carrier_recommendations" says "get": a word for reading.

      What this check looks for
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: false
    • destructiveHint: false
    • openWorldHint: false
    • idempotentHint: false
  • suggest_coveragesUse this when the user asks which commercial insurance coverages their business needs.No findings

    Why it is in this group

    • Nothing in its name or description says what it does, so it is counted as a write.
    • The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • idempotentHint: true
Only reads 1Claude Code: allow
  • explain_coverageUse this when the user asks what a commercial insurance coverage is or how two coverages differ.No findings

    Why it is in this group

    • The name "explain_coverage" says "explain": a word for reading.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • idempotentHint: true

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Install

Pinned to version 1.0.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http bizinsured https://bizinsured.ai/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json
{
  "permissions": {
    "allow": [
      "mcp__bizinsured__explain_coverage"
    ],
    "ask": [
      "mcp__bizinsured__classify_business",
      "mcp__bizinsured__suggest_coverages",
      "mcp__bizinsured__get_carrier_recommendations",
      "mcp__bizinsured__connect_with_agent"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. It assumes the server is installed as bizinsured. Review it before you use it.