Insurance Renewal Comparison Pack Generator (AU)

An MCP server that produces client-ready Australian insurance renewal comparison packs for SME brokers. Instead of spending 2–4 hours manually tabulating competing insurer quotes, the broker supplies the quotes as structured data they already hold and receives a formatted comparison report in seconds. No scraping, no third-party data source — extraction of what you provide, not acquisition.

What it does

Tool	Description
build_comparison_table	Accepts a list of insurer quotes and returns a structured comparison table with headers, per-coverage rows, cheapest insurer, and metadata.
render_text_report	Wraps build_comparison_table and renders a full plain-text renewal pack ready to paste into a PDF or email.
format_currency	Formats a numeric value as an AUD string (e.g. A$1,234.50).

Coverage fields compared (AU lines)

• Annual Premium (A$)
• Standard Excess (A$)
• Public Liability
• Workers Compensation
• Professional Indemnity
• Industrial Special Risks (ISR)
• Business Interruption
• Legal Expenses

Who uses it

SME insurance brokers producing renewal comparison packs for commercial clients. The finished pack is emailed to the client, who then asks their broker for one every renewal — a natural referral loop.

Two transports

1. Hosted — Apify Standby (the revenue path)

Runs as an Apify Standby actor; clients connect over the Streamable HTTP transport at /mcp. Billing is pay-per-event (comparison-pack-generated): one charge per pack produced — never for format_currency, metadata, or errors. See MONETISATION.md (the per-event price is set by the founder at the Console, not in code).

• Entrypoint: apify_standby.py · transport: streamable_http.py · logic: server.py
• Health probe: GET / → {"status":"ok"}; MCP endpoint: POST /mcp

2. Local — stdio (dev / Claude Desktop)

The same tools over stdio for local use:

{
  "mcpServers": {
    "insurance-renewal-comparison": {
      "command": "python3",
      "args": ["/path/to/server.py"]
    }
  }
}

Example (Claude prompt)

"Build a renewal comparison pack for Acme Pty Ltd (ref: AC-2025, renewal 2025-08-01) using these three quotes: Aviva A$3,200 / Hiscox A$2,950 / AXA A$3,400. All have A$10m workers compensation. Add a note about the flood exclusion on the Aviva policy."

Claude calls render_text_report and returns a formatted, client-ready document.

Scope

• Plain-text output only (no PDF/spreadsheet export).
• AUD currency; AU coverage lines (Workers Compensation, ISR).
• No data persistence — each call is stateless.
• Coverage fields are fixed to the eight AU commercial lines listed above.

Running tests

$pytest -q          # 62 tests: server logic + JSON-RPC + Streamable HTTP + billing contract