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Insurance Underwriting Intelligence MCP Server

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from $300.00 / 1,000 full underwriting briefs

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Insurance Underwriting Intelligence MCP Server

Insurance Underwriting Intelligence MCP Server

P&C underwriting MCP wrapping 8 actors. Multi-peril scoring, disaster history, seismic/flood exposure, environmental liability, crime proximity, climate trajectory at 5/10/25yr horizons. Pay-per-event.

Pricing

from $300.00 / 1,000 full underwriting briefs

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ryan clinton

ryan clinton

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Commercial P&C underwriting risk intelligence via MCP. Orchestrates 8 data sources for location-based peril assessment, disaster history analysis, seismic exposure, flood risk, environmental liability, crime proximity, and climate trajectory projection at 5/10/25-year horizons.

Tools

ToolPriceDescription
assess_location_risk$1.50Comprehensive location risk assessment across all peril types
analyze_disaster_history$1.50Historical disaster declaration and event analysis for a region
evaluate_seismic_exposure$1.50Seismic exposure assessment including historical earthquake data
check_flood_risk$1.50Flood risk evaluation using UK Environment Agency and FEMA data
measure_environmental_liability$1.50Environmental contamination and air quality liability assessment
score_crime_proximity$1.50Crime rate and safety scoring for the insured location
project_climate_trajectory$4.00Climate trajectory projection at 5, 10, and 25-year horizons
generate_underwriting_brief$4.00Complete underwriting brief with Composite Peril Score

Data Sources

This MCP orchestrates 8 Apify actors:

  • FEMA Disaster Declarations — US disaster history
  • USGS Earthquake Search — Seismic event data
  • NOAA Weather Alerts — Weather alerts and severe weather history
  • UK Police Crime Data — Crime statistics by location
  • UK Flood Warnings — Flood risk assessments
  • UK Land Registry — Property valuation data
  • OpenAQ Air Quality — Air quality and pollution data
  • Nominatim Geocoder — Address geocoding

Scoring Models

  • Composite Peril Score (0-100): Weighted combination of seismic, flood, weather, environmental, and crime risk factors
  • Environmental Contamination Risk Index: EPA violation proximity and air quality measurements
  • Crime Exposure Gradient: Crime rate analysis within expanding radii of the insured location
  • Climate Trajectory Projector: Projected risk changes at 5, 10, and 25-year horizons based on historical trends

How to Connect

Claude Desktop

{
"mcpServers": {
"insurance-underwriting": {
"url": "https://insurance-underwriting-intelligence-mcp.apify.actor/mcp"
}
}
}

Use Cases

  • P&C Underwriters: Automated peril scoring for commercial property underwriting decisions
  • Actuarial Teams: Climate trajectory data for long-tail risk modeling
  • Reinsurers: Portfolio-level exposure assessment across multiple peril types
  • Risk Engineers: Pre-survey risk intelligence for field inspection planning

FAQ

Q: What regions are covered? A: US coverage via FEMA, USGS, NOAA. UK coverage via Flood Warnings, Police Crime, Land Registry. Global earthquake and air quality data available.

Q: Does this replace CAT modeling software? A: No. This provides data-driven risk signals from public sources. It complements but does not replace RMS, AIR, or CoreLogic catastrophe models.

Q: Is it legal to use this? A: All data sources are public government databases. See Apify's guide on web scraping legality.