MCP Server

Malcolm provides a Model Context Protocol server so your LLM can interact with insurance APIs natively - no REST wrapper needed.

What is MCP?

The Model Context Protocol is an open standard for connecting AI models to external tools and data. Instead of writing glue code between your LLM and an API, MCP lets the model discover and call tools directly.

Connecting

Add Malcolm to your MCP client configuration:

{
  "mcpServers": {
    "malcom": {
      "url": "https://mcp.trymalcolm.com/sse",
      "headers": {
        "Authorization": "Bearer mk_live_..."
      }
    }
  }
}

The Malcolm MCP server supports both SSE streaming and the newer Streamable HTTP transport.

Available tools

Once connected, your LLM has access to these tools:

`get_quote`

Request insurance quotes for a given risk profile.

Parameters for get_quote
Name	Type	Description
`line_of_business`	string	Insurance line (e.g. `general_liability`, `bop`, `workers_comp`, `cyber`).
`risk`	object	Risk details such as business type, revenue, state, employee count, and other underwriting inputs.
`coverage`	object	Coverage requirements including limits, deductibles, and any optional add-ons.

`bind_quote`

Bind an accepted quote to create a policy.

Parameters for bind_quote
Name	Type	Description
`quote_id`	string	Identifier for the quote returned by `get_quote`.
`carrier`	string	Selected insurer name or ID to bind with (must match one of the returned carriers).
`effective_date`	string	Policy start date in ISO 8601 format (e.g. `2026-03-01`).

`list_carriers`

Return all insurers and their supported lines and states.

`get_quote_status`

Check the status of an existing quote by ID.

Example conversation

User: I need general liability insurance for my restaurant in California.
      We have 12 employees and about $500k in annual revenue.

Agent: [calls get_quote tool]

Agent: I found 3 quotes for you:
       1. Acme Insurance - $2,847/year ($245/mo)
       2. Shield Mutual - $3,102/year ($265/mo)
       3. Atlas Underwriters - $2,695/year ($231/mo)

       All three are bindable immediately. Would you like to proceed
       with any of these?

Error handling

MCP tool calls return structured errors in the same format as the REST API. Your agent should handle these gracefully.