Quotor

Insurance quoting, built for AI agents.

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.

https://mcp.quotor.ai

Speaks MCP over Streamable HTTP — works with Claude ChatGPT any MCP client

Point your agent at one URL.

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 →

The core tools. One job each.

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.

check_eligibility

Pre-flight: can we quote or bind in the customer's state?

start_quote

Open a session. Returns a quote_id and the minimum required inputs.

update_quote

Patch any non-regulated field. Idempotent — latest write wins.

get_quote_options

Fire every carrier in parallel. Up to five masked options, ranked.

get_option_details

Full coverage breakdown for one option. Carrier still masked.

get_bind_link

A secure, single-use hand-off link (valid 7 days) — a licensed agent finalizes the bind. The only place a real carrier name appears.

resume_quote

Pick up an existing quote across sessions and platforms.

Browse all tools & schemas

From hello to bound, in one thread.

The agent drives; Quotor handles eligibility, carriers, masking, and the hand-off to checkout.

1

Check eligibility

Confirm the state is licensed before anything else.

2

Start & refine

Open a quote, patch fields as the chat fills in.

3

Compare options

All carriers fire in parallel; results come back masked.

4

Hand off a link

Pick an option, mint a secure bind URL.

5

Agent finalizes

A licensed agent completes the bind from the secure link.

Published as an Agent Skill

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?

On it — quoting through Quotor.

check_eligibility · TX start_quote get_quote_options

Option A · bundle

$1,842/yr

best value

Option B · bundle

$2,010/yr

Option C · bundle

$2,233/yr

Carriers stay masked until your customer picks one.

Option A looks best — want the secure link to finish with an agent?

get_bind_link

Agent-friendly, compliance-first.

Carriers masked

Names stay hidden as Option A, B, C until your customer commits to one.

Human-completed bind

The MCP issues a secure, single-use hand-off link; a licensed agent finalizes — never an automated purchase in chat.

Every call audited

Each tool call is logged with platform, state, and quote for compliance.

Licensed & regulated

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 Insurance is 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.

Kyle Kriegel — Founder

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.

service@libertasinsurance.com · Waco, TX

Where we are today: Endpoint live since June 2026 11 MCP tools in production Official MCP Registry Texas live · more states in licensing