Quotor
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Real, bindable home & auto insurance quotes via MCP — actual carrier rates, not estimates. Texas, expanding. 11 tools; carrier-masked options, human-completed bind.
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- Finance, API
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Quotor builds AI-native insurance infrastructure. One MCP endpoint where any agent can quote and bind real home & auto coverage in a single conversation — carrier-masked, compliance-first, and proven daily inside a working agency.
Speaks MCP over Streamable HTTP — works with Claude ChatGPT any MCP client
Quotor speaks Streamable HTTP MCP. Add the endpoint as a custom connector or drop it into your client's MCP config — or install the skill and your agent wires itself up. No SDK, no glue code.
{ "mcpServers": { "quotor": { "type": "http", "url": "https://mcp.quotor.ai" } } }
# list the tools an agent can call curl https://mcp.quotor.ai \ -H "Content-Type: application/json" \ -d '{"jsonrpc":"2.0","id":1,"method":"tools/list"}'
No API key required.Every tool works anonymously — connect and quote, rate- and spend-capped server-side. Integrating at volume? Mint an optional partner key for dedicated caps and attribution (if you use one, call server-side and never ship it in browser JS).Connection docs →
Every tool description is written for AI discovery, so an agent knows exactly when to reach for it. Full schemas — and the rest of the surface — live in the docs.
Pre-flight: can we quote or bind in the customer's state?
Open a session. Returns a quote_id and the minimum required inputs.
Patch any non-regulated field. Idempotent — latest write wins.
Fire every carrier in parallel. Up to five masked options, ranked.
Full coverage breakdown for one option. Carrier still masked.
A secure, single-use hand-off link (valid 7 days) — a licensed agent finalizes the bind. The only place a real carrier name appears.
Pick up an existing quote across sessions and platforms.
The agent drives; Quotor handles eligibility, carriers, masking, and the hand-off to checkout.
Confirm the state is licensed before anything else.
Open a quote, patch fields as the chat fills in.
All carriers fire in parallel; results come back masked.
A licensed agent completes the bind from the secure link.
Point your agent at the Quotor skill and it learns the entire quote-to-bind flow — the tools, the order, the guardrails. Posted in the open so any agent can discover it.
Watch an agent quote through the bridge.
A real conversation, real tool calls — carriers stay masked until the customer chooses.
MCP bridge · agent ⇄ mcp.quotor.ai connected
I just bought a house in Austin, TX — can you find me home + auto?
check_eligibility · TX start_quote get_quote_options
Carriers stay masked until your customer picks one.
Option A looks best — want the secure link to finish with an agent?
Names stay hidden as Option A, B, C until your customer commits to one.
The MCP issues a secure, single-use hand-off link; a licensed agent finalizes — never an automated purchase in chat.
Each tool call is logged with platform, state, and quote for compliance.
Eligibility is enforced per state. Quoting live in Texas, more on the way.
Built inside a real agency. Spun out for the agent era.
Most insurtech stops at a lead form. Quotor started from the other end.
We began as the in-house technology of a licensed, working insurance agency in Waco, Texas that was tired of software that couldn't actually rate or bind. So we built the whole stack ourselves: real-time rating across A-rated carriers, automated property and vehicle enrichment so customers answer fewer questions, and self-healing browser automation that keeps carrier integrations verified end to end.
Then we did the part that matters for the next decade: we put an MCP interface on it, so any AI assistant can do what our own website does.Libertas Insuranceis our first customer — its consumer site and AI assistant run on the same platform this endpoint exposes, and a licensed agent completes every bind, by design.
Licensed insurance producer (Texas NPN 20767295) and owner of Libertas Insurance. Building the rails that let AI agents transact insurance safely — with humans exactly where regulation and judgment demand them.
Where we are today: Endpoint live since June 2026 11 MCP tools in production Official MCP Registry Texas live · more states in licensing
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