Embed insurance in any AI experience
You build the AI experience - or the platform. Malcolm handles the insurance plumbing: compliance, carrier connections, and checkout. One API, no insurance licence required.
Insurance is a high-value upsell you can't unlock - until now
For many products, insurance is one of the highest-relevancy, highest-utility cross-sells available. But product complexity, carrier integrations that each speak a different language, and regulatory requirements that vary by jurisdiction make it almost impossible for partners to capture that revenue.
Malcolm removes the barriers. A single API abstracts the product rules, compliance, and carrier connections so you can embed insurance into your experience and unlock the upside - without needing an insurance licence or a compliance team.
Two ways to integrate
Some partners embed insurance inside an AI conversation. Others surface it at the right moment in a platform flow - like Stripe Checkout. Malcolm supports both with the same validation engine underneath.
Chat-first (MCP)
Your AI agent calls Malcolm’s MCP tools mid-conversation. The quote happens inside the chat — no redirect, no context switch.
{
"mcpServers": {
"malcolm-insurance": {
"command": "npx",
"args": ["-y", "@malcom-ai/mcp-server"],
"env": {
"MALCOLM_API_KEY": "mk_live_..."
}
}
}
}
agent → malcolm_get_quote
product: "gadget_insurance"
device: "iPhone 16"
price: 999
malcolm → agent
carrier: "Aviva"
premium: "£7.99/mo"
checkout_url: "https://..."Financial AI
The agent spots a purchase and offers relevant cover mid-conversation. One tool call, one checkout link.
Travel AI
The agent already knows destination, dates, and trip type. It offers travel cover at the natural moment - right after planning.
Both paths hit the same validation engine. Same schema checks, same audit trail, same compliance guarantees - regardless of how you connect.
Five steps from POST to policy
Your platform sends what it knows. Malcolm figures out the rest and gets the customer to checkout - with as few questions as possible.
POST known data
Your platform sends what it already knows - tenant details, trip dates, device info - to Malcolm's REST API. No user interaction yet.
POST /v1/quotes HTTP/1.1
Authorization: Bearer mk_live_...
{
"product": "contents_insurance",
"tenant_name": "J. Smith",
"postcode": "E1 6AN",
"tenancy_start": "2026-03-01",
"contents_value": 15000
}Ready to add insurance to your AI?
Get started with Malcolm's API and go live in days, not months.
$ curl -X POST https://api.trymalcolm.com/v1/quote \
-H "Authorization: Bearer mk_live_..." \
-d '{ "product": "home_insurance" }'
{
"status": "quoted",
"checkout_url": "https://checkout.trymalcolm.com/q/..."
}