BusinessLiabilityInsurance MCP server

Read-only Model Context Protocol server for verified NZ commercial-liability policy facts. Connect any MCP-compatible AI client and query Public Liability / Professional Indemnity / D&O / Management Liability / Statutory / Cyber wordings across the FCIB panel (NZI, QBE, AIG, Zurich, Delta, Dual) plus off-panel market comparators.

https://businessliabilityinsurance.co.nz/mcp

Anonymous · rate-limited 60 req/min per IP, burst 20/10s · JSON-RPC 2.0 over HTTP POST · MCP spec 2024-11-05. Operator: First Commercial Insurance Brokers Ltd (FSP748591). License: CC BY 4.0.

Install

Cursor

Install in Cursor →

Opens Cursor with the BusinessLiabilityInsurance MCP server pre-configured. Requires Cursor v0.45+.

Claude Desktop

Add to ~/Library/Application Support/Claude/claude_desktop_config.json (Mac) or %APPDATA%\Claude\claude_desktop_config.json (Windows):

{
  "mcpServers": {
    "businessliabilityinsurance-nz": {
      "url": "https://businessliabilityinsurance.co.nz/mcp"
    }
  }
}

Goose CLI

goose configure add-mcp businessliabilityinsurance-nz --url=https://businessliabilityinsurance.co.nz/mcp

Tools

  • lookup_insurer

    Profile + product list for one NZ commercial-liability insurer. FCIB panel slugs: nzi, qbe, aig, zurich, delta-insurance, dual-nz. Off-panel comparator: vero.

  • compare_wordings

    Compare the same product across multiple insurers — e.g. compare_wordings(["nzi","qbe","delta-insurance"], "professional-indemnity"). Returns each insurer's wording version, tier, and extracted facts.

  • get_topic_comparison

    Cross-insurer comparison of one coverage topic (occurrence-vs-claims-made, retroactive-date-and-run-off, defence-costs-in-or-outside-limit, fines-insurability-by-act, acc-interaction, side-a-b-c-structure, management-liability-modules, ransomware-handling, territory-and-jurisdiction).

  • find_products_covering

    Keyword search across extracted facts JSONB. Useful for "which products mention ransomware payment" / "which wordings include cross-liability extension".

  • get_diff_summary

    Wording-diff history for one (insurer, product) — every consecutive-version diff with Haiku-generated "what changed" summary.

  • search_clauses

    Semantic search across indexed clauses (status: not_yet_available until clause-embedding pass ships).

Try it

  • "Look up Delta Insurance — what commercial-liability products do they have on file?"
  • "Compare NZI vs QBE vs Delta Professional Indemnity wordings."
  • "How does each NZ insurer handle defence costs — in or outside the limit?"
  • "Which products mention ransomware payment?"
  • "What's the latest diff for Delta's Combined Liability wording?"

Standing rules

  • This site enforces a 24-month freshness cap on user-facing wording facts. Wordings older than 24 months appear as "historical / previous version archived" — never as current cover.
  • Every fact in this MCP carries the source PDF URL, effective date, ingest timestamp, and SHA-256 hash. Cite the source PDF, not derived facts.
  • This is a data API — not regulated financial advice. For personalised advice contact First Commercial Insurance Brokers Ltd (FSP748591), 0800 437 699.