CoverBureau

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Checks certificates of insurance (ACORD 25) against your requirements. Pay per call, x402 USDC.

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check_carrier

Check an insurer by NAIC code or name: known, licensed, and adequately rated (spec §3.3). Provide at least one of naic or carrierName, plus state (required). Answers from an UNVERIFIED seed dataset (§4.5 datasetStatus) and returns a signed envelope. Needs no document. Use it when you have a carrier but no certificate; validate_coi already checks the carrier when you do.

statestring, required

2-letter US state code, e.g. "NY" — REQUIRED

naicstring

5-digit NAIC company code, e.g. "25623"

minRatingstring

Minimum acceptable A.M. Best rating, e.g. "A- VII". Defaults to "A- VII"

carrierNamestring

Carrier name as printed on the certificate

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Tools (3)

check_carrier

Argument	Type	Description
naic	any	5-digit NAIC company code, e.g. "25623"
state*	string	2-letter US state code, e.g. "NY" — REQUIRED
minRating	any	Minimum acceptable A.M. Best rating, e.g. "A- VII". Defaults to "A- VII"
carrierName	any	Carrier name as printed on the certificate

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "state"
  ],
  "properties": {
    "naic": {
      "anyOf": [
        {
          "type": "string",
          "pattern": "^\\d{5}$"
        }
      ],
      "description": "5-digit NAIC company code, e.g. \"25623\""
    },
    "state": {
      "type": "string",
      "pattern": "^[A-Za-z]{2}$",
      "description": "2-letter US state code, e.g. \"NY\" — REQUIRED"
    },
    "minRating": {
      "anyOf": [
        {
          "type": "string"
        }
      ],
      "description": "Minimum acceptable A.M. Best rating, e.g. \"A- VII\". Defaults to \"A- VII\""
    },
    "carrierName": {
      "anyOf": [
        {
          "type": "string",
          "minLength": 1
        }
      ],
      "description": "Carrier name as printed on the certificate"
    }
  },
  "additionalProperties": false
}

extract_coi

Read an ACORD 25 Certificate of Insurance into structured data (spec §3.1). Returns a signed envelope. Use it when you want the fields and will apply your own rules; for a verdict against requirements you supply use validate_coi instead - it extracts as part of its work, so calling both on one document pays for the same read twice.

Argument	Type	Description
options	object
document	any	The certificate to read: base64 bytes, or an https url fetched server-side (§3.5)

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "options": {
      "type": "object",
      "properties": {
        "redactStored": {
          "type": "boolean"
        },
        "returnConfidence": {
          "type": "boolean"
        }
      },
      "additionalProperties": false
    },
    "document": {
      "anyOf": [
        {
          "type": "object",
          "required": [
            "kind",
            "mediaType",
            "data"
          ],
          "properties": {
            "data": {
              "type": "string",
              "description": "Base64-encoded document bytes, no data: URI prefix"
            },
            "kind": {
              "type": "string",
              "const": "base64"
            },
            "mediaType": {
              "enum": [
                "application/pdf",
                "image/png",
                "image/jpeg"
              ],
              "type": "string"
            }
          },
          "additionalProperties": false
        },
        {
          "type": "object",
          "required": [
            "kind",
            "url"
          ],
          "properties": {
            "url": {
              "type": "string",
              "format": "uri",
              "description": "https URL, fetched server-side under the §7.2 SSRF limits"
            },
            "kind": {
              "type": "string",
              "const": "url"
            }
          },
          "additionalProperties": false
        }
      ],
      "description": "The certificate to read: base64 bytes, or an https url fetched server-side (§3.5)"
    }
  },
  "additionalProperties": false
}

validate_coi

Extract an ACORD 25 certificate AND judge it against a requirement profile (inline or profileId), returning a signed Verdict with per-check results, flags, and a risk score (spec §3.2). Use extract_coi instead if you only want the fields without a verdict; use check_carrier only when you have no certificate, since this tool already checks the carrier when your profile sets a carrier requirement.

Argument	Type	Description
options	object
document	any	The certificate to read: base64 bytes, or an https url fetched server-side (§3.5)
requirements	any	Either an inline RequirementProfile (§4.2) or { profileId } naming a stored profile (§3.2)

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "options": {
      "type": "object",
      "properties": {
        "checkCarrier": {
          "type": "boolean"
        },
        "redactStored": {
          "type": "boolean"
        },
        "evaluationDate": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "document": {
      "anyOf": [
        {
          "type": "object",
          "required": [
            "kind",
            "mediaType",
            "data"
          ],
          "properties": {
            "data": {
              "type": "string",
              "description": "Base64-encoded document bytes, no data: URI prefix"
            },
            "kind": {
              "type": "string",
              "const": "base64"
            },
            "mediaType": {
              "enum": [
                "application/pdf",
                "image/png",
                "image/jpeg"
              ],
              "type": "string"
            }
          },
          "additionalProperties": false
        },
        {
          "type": "object",
          "required": [
            "kind",
            "url"
          ],
          "properties": {
            "url": {
              "type": "string",
              "format": "uri",
              "description": "https URL, fetched server-side under the §7.2 SSRF limits"
            },
            "kind": {
              "type": "string",
              "const": "url"
            }
          },
          "additionalProperties": false
        }
      ],
      "description": "The certificate to read: base64 bytes, or an https url fetched server-side (§3.5)"
    },
    "requirements": {
      "anyOf": [
        {
          "type": "object",
          "required": [
            "coverages"
          ],
          "properties": {
            "label": {
              "type": "string"
            },
            "carrier": {
              "type": "object",
              "properties": {
                "minAmBestRating": {
                  "type": "string"
                },
                "mustBeLicensedInState": {
                  "type": "string"
                }
              },
              "additionalProperties": false
            },
            "coverages": {
              "type": "object",
              "properties": {
                "workersComp": {
                  "$ref": "#/properties/requirements/anyOf/0/properties/coverages/properties/generalLiability"
                },
                "autoLiability": {
                  "$ref": "#/properties/requirements/anyOf/0/properties/coverages/properties/generalLiability"
                },
                "umbrellaExcess": {
                  "$ref": "#/properties/requirements/anyOf/0/properties/coverages/properties/generalLiability"
                },
                "generalLiability": {
                  "type": "object",
                  "required": [
                    "required"
                  ],
                  "properties": {
                    "limits": {
                      "type": "object",
                      "additionalProperties": {
                        "type": "object",
                        "required": [
                          "min"
                        ],
                        "properties": {
                          "min": {
                            "type": "integer"
                          }
                        },
                        "additionalProperties": false
                      }
                    },
                    "required": {
                      "type": "boolean"
                    },
                    "mustBeActive": {
                      "type": "boolean"
                    },
                    "minDaysToExpiry": {
                      "type": "integer",
                      "minimum": 0
                    },
                    "requireOccurrenceForm": {
                      "type": "boolean"
                    },
                    "requireAdditionalInsured": {
                      "type": "boolean"
                    },
                    "requireSubrogationWaiver": {
                      "type": "boolean"
                    },
                    "requirePrimaryNonContributory": {
                      "type": "boolean"
                    }
                  },
                  "additionalProperties": false
                }
              },
              "additionalProperties": false
            },
            "profileId": {
              "type": "string"
            },
            "formMustBeCurrent": {
              "type": "boolean"
            },
            "rulesetVersionPin": {
              "type": "string"
            },
            "insuredNameMustMatch": {
              "type": "object",
              "required": [
                "expected",
                "mode"
              ],
              "properties": {
                "mode": {
                  "enum": [
                    "exact",
                    "normalized",
                    "fuzzy"
                  ],
                  "type": "string"
                },
                "expected": {
                  "type": "string"
                }
              },
              "additionalProperties": false
            },
            "certificateHolderMustMatch": {
              "$ref": "#/properties/requirements/anyOf/0/properties/insuredNameMustMatch"
            }
          },
          "additionalProperties": false
        },
        {
          "type": "object",
          "required": [
            "profileId"
          ],
          "properties": {
            "profileId": {
              "type": "string"
            }
          },
          "additionalProperties": false
        }
      ],
      "description": "Either an inline RequirementProfile (§4.2) or { profileId } naming a stored profile (§3.2)"
    }
  },
  "additionalProperties": false
}