{"jsonrpc":"2.0","result":{"protocolVersion":"2025-06-18","serverInfo":{"name":"quotor","version":"0.2.0"},"tools":[{"name":"check_eligibility","description":"Confirm whether Libertas can quote and bind insurance for the customer in their state. Call this first — before collecting any personal details — when the customer asks about insurance prices, switching carriers, or shopping for coverage. State is supplied automatically from the request context (the platform's location consent flow); you don't need to ask the customer for state to call this. Returns whether quoting is available, whether binding is available, and a plain-language explanation the customer can read.","inputSchema":{"type":"object","properties":{"product":{"type":"string","enum":["auto","home","bundle"],"description":"Line of business: 'auto', 'home', or 'bundle' (home + auto)."},"intent":{"type":"string","enum":["quote","bind"],"default":"quote","description":"Whether you're checking ability to 'quote' or to 'bind' (default 'quote')."}},"required":["product"],"additionalProperties":false},"annotations":{"title":"Check insurance eligibility","readOnlyHint":true,"openWorldHint":true},"outputSchema":{"type":"object","description":"Whether quoting/binding is available for the customer's state + product.","properties":{"can_quote":{"type":"boolean"},"can_bind":{"type":"boolean"},"state":{"type":"string"},"next_step":{"type":"string"},"explanation":{"type":"string"}},"additionalProperties":true}},{"name":"start_quote","description":"Begin a new home, auto, or bundled insurance quote. Returns a quote ID to use on every following call. Call this when the customer wants to get an insurance price.\n\nINTAKE ORDER (Kyle 2026-06-11 — collect in this order, ONE coherent chunk per turn):\n  1. HOME/BUNDLE: full name + date of birth for EVERYONE on the policy (relationship for non-PNI).\n  2. Address of the home + \"is this a new purchase, or one you've owned a while?\" (new purchase → ALSO capture current_address — where they live today; property.address stays the home being bought). Then mortgage + escrow + \"roughly how old is the roof? — 'I don't know' is a fine answer\" ride along (roof unknown → move on, never probe; roof REPLACED → one follow-up: hail-resistant / Class 1–4? → property.hail_resistant_roof + property.ul_impact_type). The home address doubles as auto garaging unless the cars live elsewhere.\n  3. AUTO/BUNDLE: year/make/model of every vehicle.\n  4. Any drivers NOT already named in step 1 — names + DOBs + relationship.\n  5. Email + phone, framed as \"where should I send your final numbers?\" — the consent line is REQUIRED on this turn.\n  6. ONE open question before firing: \"Any coverages you want to tell me about before I run it?\" Capture whatever they volunteer via update_quote and move on — do NOT turn this into a coverage consultation. Scheduled valuables (jewelry, art, guns, collections) are a POST-BIND follow-up: record them under the follow_ups patch branch and tell the customer \"our team will add that right after we get this policy locked\" — never try to add them mid-quote.\n\nThen call get_quote_options immediately. Don't over-collect — the customer should reach prices fast.","inputSchema":{"type":"object","properties":{"product":{"type":"string","enum":["auto","home","bundle"],"description":"Line of business to quote: 'auto', 'home', or 'bundle'."},"referral_source":{"type":"string","description":"Optional referral/partner source tag for attribution."},"meta_codes":{"type":"array","items":{"type":"string"},"description":"Optional internal meta codes; ignored unless recognized."}},"required":["product"],"additionalProperties":false},"annotations":{"title":"Start an insurance quote","readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":true},"outputSchema":{"type":"object","description":"The opened quote session.","properties":{"quote_id":{"type":"string"},"next_required_inputs":{"type":"array","items":{"type":"string"}},"session_expires_at":{"type":"string"}},"additionalProperties":true}},{"name":"update_quote","description":"Set or refine any quote parameter except regulated enrichment fields (credit score, MVR, CLUE, VIN-decoded vehicle attributes, public-record property attributes). Idempotent — call as many times as needed; the most recent value wins. Returns which fields were applied, which were rejected (with reasons), and whether the quote has enough info to run.\n\nWHEN TO CALL:\n  - After collecting the required-minimum from the customer in start_quote\n  - Whenever the customer changes their mind about any coverage, deductible, discount, payment plan, or term length\n  - When the customer shares a declarations page and you have new values to sync\n\nCONVERSATION STYLE for coverages (per Kyle, the agency principal):\n  After the first rates land, walk through major coverages one-or-two-at-a-time with a soft-sell framing.\n  Example: \"You have $200,000 of personal property coverage on this quote — that's the carrier's minimum and you can only go up. Does that sound like enough for your stuff?\" Let the customer pick. Then call update_quote with the new value and get_quote_options again — re-quoting is free and fast (10–60 seconds).\n\nREGULATED FIELDS (will be rejected with structured reason):\n  drivers[*].license_number, .ssn, .mvr_*, .credit_score; payment fields; carrier name; vin_decoded_attributes. The system pulls these directly from the bureaus at quote time or collects them at bind on libertasinsurance.com.","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id returned by start_quote."},"patch":{"type":"object","description":"Free-form patch onto the quote. Top-level branches: pni, drivers[], vehicles[], property, coverages, discounts, policy_terms, prior_insurance, has_mortgagee, mortgage_billed_by_lender, mortgagee, is_new_purchase, current_address (only when is_new_purchase=true — customer's address TODAY; property.address remains the home being insured), follow_ups[] (post-bind follow-up flags: {interest, note} — scheduled valuables like jewelry/art, umbrella interest, etc.; recorded for the licensed team, NEVER added to the in-flight quote). See the override matrix in the Libertas MCP docs for the full overridable field list.","additionalProperties":true},"meta_codes":{"type":"array","items":{"type":"string"},"description":"Optional internal meta codes; ignored unless recognized."}},"required":["quote_id","patch"],"additionalProperties":false},"annotations":{"title":"Update quote details","readOnlyHint":false,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false},"outputSchema":{"type":"object","description":"Which fields were applied and whether the quote is ready to rate.","properties":{"quote_id":{"type":"string"},"applied":{"type":"array","items":{"type":"string"}},"rejected":{"type":"array"},"completeness":{"type":"number"},"ready_to_quote":{"type":"boolean"}},"additionalProperties":true}},{"name":"get_quote_options","description":"Fire all eligible A-rated carriers in parallel AND kick off live rate-finishing. RETURNS IMMEDIATELY — does NOT wait.\n\nTWO STAGES follow:\n  1. First numbers land in 30–90 seconds. Options surface as honest price RANGES — the low end is the carrier's indicative, so the final verified rate usually lands AT OR BELOW the low end.\n  2. The system keeps working for 2–10 minutes after that, logging into carrier portals and walking each competitive quote to its exact bindable rate. Option cards harden from \"estimated range\" to \"verified\" as each carrier completes. check_quote_status reports this via its 'finishing' block.\n\nWhat you do during the wait: KEEP THE CONVERSATION GOING with the wait-phase playbook in the system prompt (waters first, then current premium — top priority — then claims color, pets, pool, start date, payment preference). Narrate the real finishing work honestly in ONE short line when relevant; never quantify carriers or name them.\n\nCall get_quote_options again ONLY if a rating-changing input changes (waters toggle locally — never re-fire for those).","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id returned by start_quote."},"max_options":{"type":"integer","minimum":1,"maximum":5,"default":3,"description":"Maximum options to return per line (1-5, default 3)."}},"required":["quote_id"],"additionalProperties":false},"annotations":{"title":"Run carriers & get quote options","readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":true},"outputSchema":{"type":"object","description":"Acknowledges the rate run started; poll check_quote_status for the option cards.","properties":{"quote_id":{"type":"string"},"status":{"type":"string"},"expected_seconds":{"type":"integer"},"message":{"type":"string"}},"additionalProperties":true}},{"name":"check_quote_status","description":"Check rating + live-finishing progress. Call between wait-phase questions (every customer turn or two after get_quote_options). Returns one of:\n  - 'running' — indicatives still landing; continue the wait-phase conversation, call again next turn.\n  - 'quoted' — options[] is populated. CHECK THE 'finishing' BLOCK: when finishing.active=true, the exact bindable rates are STILL being captured live at the carrier portals — present the price ranges confidently as honest estimates (the low end is the carrier's own starting figure; NEVER promise the final number can't exceed the range), keep the conversation going, and keep checking on later turns; cards harden to 'verified' automatically as walks complete. When finishing.active=false, the run is over: cards marked 'verified' are exact bindable numbers; anything still 'estimate' stays a range that a licensed agent confirms at bind.\n  - 'timeout' — carriers took too long; offer to retry with get_quote_options.\n  - 'error' — all carriers errored; flag it honestly and offer to retry.\nEach option carries rate_state ('verified' | 'verifying' | 'estimate') and, for unverified options, price_range {low, high}. NEVER mention carrier counts or real carrier names in chat.","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id to poll."},"max_options":{"type":"integer","minimum":1,"maximum":5,"default":3,"description":"Maximum options to return per line (1-5, default 3)."}},"required":["quote_id"],"additionalProperties":false},"annotations":{"title":"Check quote status","readOnlyHint":true,"openWorldHint":true},"outputSchema":{"type":"object","description":"Live rating status plus masked options (carriers hidden until the bind step).","properties":{"quote_id":{"type":"string"},"status":{"type":"string"},"progress_pct":{"type":"integer"},"options":{"type":"array"},"carrier_names_revealed":{"type":"boolean"}},"additionalProperties":true}},{"name":"get_option_details","description":"Pull the full coverage breakdown, deductibles, applied discounts, and payment plan options for a single masked option (Home Carrier A, Auto Carrier B, etc.). Use when the customer wants to dig into a specific quote before deciding. Carrier name remains masked.","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id."},"option_id":{"type":"string","description":"The option to detail, e.g. 'opt_home_a' from get_quote_options."}},"required":["quote_id","option_id"],"additionalProperties":false},"annotations":{"title":"Get option coverage details","readOnlyHint":true,"openWorldHint":false},"outputSchema":{"type":"object","description":"Full coverage + premium breakdown for one option (carrier still masked).","properties":{"premium_annual":{"type":"number"},"premium_monthly":{"type":"number"},"coverages":{"type":"object"}},"additionalProperties":true}},{"name":"get_bind_link","description":"Generate a single-use secure link, valid for 7 days, that the customer can follow to a Libertas bind-request page. The chat widget will usually render an inline 'Request Bind' card directly — prefer request_bind_inline for the in-chat flow. Use get_bind_link when the customer wants to leave the chat, finish on a different device, or have their final numbers emailed to them (pair it with the email offer during a long finishing wait). The bind link reveals the real carrier name (the only place it's revealed).","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id."},"option_id":{"type":"string","description":"The option the customer chose to bind, e.g. 'opt_home_a'."}},"required":["quote_id","option_id"],"additionalProperties":false},"annotations":{"title":"Get secure bind hand-off link","readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":true},"outputSchema":{"type":"object","description":"Secure, single-use bind hand-off link — the only place a real carrier name appears.","properties":{"quote_id":{"type":"string"},"option_id":{"type":"string"},"carrier_name":{"type":"string"},"bind_url":{"type":"string"},"expires_at":{"type":"string"}},"additionalProperties":true}},{"name":"request_bind_inline","description":"Submit the customer's bind request from the chat. Triggers an internal task for our licensed team to follow up. THIS IS NOT INSTANT BIND — coverage starts only after underwriting verification, payment capture, and carrier confirmation. Call this the MOMENT the customer says any variant of \"I'd like to go with [Carrier X]\" / \"let's do A and A\" / \"I'll take Carrier B\". DO NOT ask another confirmation question first (\"All good?\", \"Want me to send the request?\", \"Shall I submit?\") — those redundant check-ins kill sales. Their commit IS the trigger. NEVER name a real carrier in chat output — stay in \"Carrier A/B/C\" labels.","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id."},"option_id":{"type":"string","description":"The single option to bind (or use option_ids for a bundle/split)."},"option_ids":{"type":"array","items":{"type":"string"},"description":"Multi-option bind. Either option_id or option_ids must be provided."},"water_selections":{"type":"object","properties":{"service_line":{"type":"boolean","description":"Include the service-line water add-on."},"water_seepage":{"type":"boolean","description":"Include the water-seepage & leakage add-on."},"foundation_water":{"type":"boolean","description":"Include the foundation-water-damage add-on."},"sewer_backup":{"type":"boolean","description":"Include the sewer / water-backup add-on."}},"additionalProperties":false,"description":"Customer-selected water-coverage add-ons for home options (service line, water seepage, foundation water, sewer backup); the agent configures these at the carrier portal at bind."},"customer_notes":{"type":"string","description":"Optional free-text notes from the customer for the agent."},"contact_pref":{"type":"string","enum":["call","text","email"],"description":"How the customer prefers to be reached: 'call', 'text', or 'email'."},"best_time":{"type":"string","description":"Best time to reach the customer, e.g. 'weekday afternoons'."},"pay_plan":{"type":"string","enum":["monthly_eft","pay_in_full"],"description":"Pay plan: 'monthly_eft' or 'pay_in_full' (required when an auto line is included)."}},"required":["quote_id"],"additionalProperties":false},"annotations":{"title":"Start a bind (route to an agent)","readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":true},"outputSchema":{"type":"object","description":"Files a routed bind request to the matched agency and returns a bind link.","properties":{"quote_id":{"type":"string"},"bind_url":{"type":"string"}},"additionalProperties":true}},{"name":"check_late_arrivals","description":"Save-the-sale tool — call when the customer signals dissatisfaction with the current options (\"too expensive\", \"let me think\", \"what else do you have\", \"is this the best you can do\", \"I'll check elsewhere\", \"can you do better\"). Some carriers (Foremost STAR, etc.) run slower than the initial set and may have come back with a better rate while the customer was deliberating. This tool:\n\n  1. Pulls a fresh read of all rated carriers.\n  2. Compares the current cheapest bundle/LOB price to the original first-quoted best.\n  3. Returns has_improvement=true ONLY if a late carrier beats the original by >= $100/yr OR >= 5% — a threshold meaningful enough to justify interrupting the customer.\n\nCALL THIS ONLY WHEN:\n  - check_quote_status has returned 'quoted' at least once (there's a baseline to compare).\n  - The customer just expressed price resistance or hesitation (not a closed positive).\n  - You have NOT called check_late_arrivals in the last 2 turns (don't spam).\n\nDO NOT CALL WHEN:\n  - The customer is actively committing (\"yeah let's go with A\") — that's a close moment, not a wavering moment.\n  - The customer hasn't seen the initial options yet.\n\nWHAT TO DO WITH THE RESULT:\n  - has_improvement=true → narrate the improvement naturally (\"Quick update — one more carrier just came in $X/yr cheaper. Want me to refresh your options?\") and the iframe auto-updates with the new state.\n  - has_improvement=false → acknowledge the customer's concern, pivot to value positioning against the options on the table. Don't bluff a \"better one is coming\" if it isn't. Use the carriers_still_pending count if relevant (\"a couple more carriers are still finalizing in the background — I'll flag if anything comes in lower\").","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id to check for late-arriving carrier rates."}},"required":["quote_id"],"additionalProperties":false},"annotations":{"title":"Check for late carrier rates","readOnlyHint":true,"openWorldHint":true},"outputSchema":{"type":"object","description":"Any carrier rates that arrived after the first response.","properties":{"new_options":{"type":"array"}},"additionalProperties":true}},{"name":"submit_lead","description":"Capture a lead for an insurance product Libertas doesn't quote inline (renters, life, commercial, motorcycle, boat, RV, umbrella, condo, landlord, etc.) — OR any home/auto customer who asks to be contacted later instead of finishing the quote in chat. Creates a row in the CRM Leads bucket so a licensed agent can follow up.\n\nCALL THIS WHEN:\n  - The customer asks about an insurance type other than home/auto/bundle, AND has shared a name + email or phone. Confirm with the customer that you're going to have someone reach out, then call this tool.\n  - The customer says \"have someone call me later\" or similar even on a home/auto inquiry.\n  - The customer mentions an unusual circumstance and wants a human follow-up.\n\nDO NOT CALL WHEN:\n  - The customer is still actively answering questions in the home/auto intake flow — keep going through the regular intake.\n  - You don't have any contact info yet — ask for name + email/phone first.\n\nWhat it does: writes a Leads row tagged with the line of interest, contact info, preferred follow-up time, and any notes you supply. A licensed Libertas agent will reach out within one business day. Returns a confirmation message you can paraphrase to the customer (\"you're on our list — someone from the team will reach out about [interest]\").","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"Optional quote id to associate the lead with."},"first_name":{"type":"string","description":"Customer first name."},"last_name":{"type":"string","description":"Customer last name."},"email":{"type":"string","description":"Customer email."},"phone":{"type":"string","description":"Customer phone number."},"interest":{"type":"string","description":"What the customer wants us to follow up about (e.g. 'renters insurance', 'life insurance', 'commercial auto')"},"preferred_contact_time":{"type":"string","description":"e.g. 'weekday afternoons', 'after 5pm', 'tomorrow morning'"},"preferred_contact_method":{"type":"string","enum":["phone","email","text","any"],"description":"How the customer prefers to be reached: 'phone', 'email', 'text', or 'any'."},"notes":{"type":"string","description":"Optional notes for the follow-up."}},"required":["interest"],"additionalProperties":false},"annotations":{"title":"Submit a lead for follow-up","readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":true},"outputSchema":{"type":"object","description":"Lead-capture acknowledgement.","properties":{"ok":{"type":"boolean"}},"additionalProperties":true}},{"name":"resume_quote","description":"Pick up an existing quote that was started in a previous session or on a different platform. The customer supplies a quote ID. Verification: if the same authenticated user (OAuth user_id matches across sessions), no extra verification is needed; otherwise the customer needs to provide an email code that was sent at quote start. Returns the current status, a summary of what's collected so far, and whether rate options are already available to review.","inputSchema":{"type":"object","properties":{"quote_id":{"type":"string","description":"The quote session id to resume."},"verification":{"type":"object","properties":{"method":{"type":"string","enum":["email_code","platform_identity","magic_link"],"description":"Verification method: email code, platform-identity header, or magic-link token."},"code":{"type":"string","description":"The verification code (for the email_code method)."},"token":{"type":"string","description":"The verification token (for the magic_link method)."}},"additionalProperties":false,"description":"Ownership verification (email code, platform identity, or magic link); required to return PII."}},"required":["quote_id"],"additionalProperties":false},"annotations":{"title":"Resume an existing quote","readOnlyHint":true,"openWorldHint":true},"outputSchema":{"type":"object","description":"Resumed quote status (PII only on a verified call).","properties":{"quote_id":{"type":"string"},"status":{"type":"string"},"verification_required":{"type":"boolean"}},"additionalProperties":true}}]}}