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
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"}'
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.
From hello to bound, in one thread.
The agent drives; Quotor handles eligibility, carriers, masking, and the hand-off to checkout.
Check eligibility
Confirm the state is licensed before anything else.
Start & refine
Open a quote, patch fields as the chat fills in.
Compare options
All carriers fire in parallel; results come back masked.
Hand off a link
Pick an option, mint a secure bind URL.
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.
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.
hello@quotor.ai · Waco, TX
Give your agent the power to quote.
Install the skill, point at the endpoint, and start quoting real coverage in minutes.