Insurance Underwriting Intelligence

Name: Insurance Underwriting Intelligence
Author: apifyforge

@apifyforge

About Insurance Underwriting Intelligence

Insurance underwriting intelligence for commercial P&C teams — this MCP server delivers multi-peril risk assessment for any property location using 8 live government data sources.

Basic information

Config

Add this server to your MCP-compatible client using the configuration below.

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

Tools

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Overview

What is Insurance Underwriting Intelligence?

Insurance Underwriting Intelligence is an MCP server for commercial P&C insurance teams that delivers multi-peril risk assessment for any property location. It queries 8 live government data sources in parallel and returns a Composite Peril Score (0–100), a four-tier risk classification (Preferred/Standard/Substandard/Decline), a premium modifier, and actionable underwriting notes from a single tool call. It is designed for P&C underwriters, actuarial teams, reinsurers, and risk engineers.

How to use Insurance Underwriting Intelligence?

Add the server URL https://ryanclinton--insurance-underwriting-intelligence-mcp.apify.actor/mcp to your MCP client (Claude Desktop, Cursor, Windsurf) with an Apify API token. Then ask your AI assistant to run a risk assessment by providing a property address or region. The server returns a structured JSON brief; the AI summarises key signals in plain language.

Key features of Insurance Underwriting Intelligence

8 parallel government data sources queried simultaneously
Composite Peril Score (0–100) from four weighted scoring models
Four risk tier classifications: Preferred, Standard, Substandard, Decline
Premium modifier output from 0.8 (discount) to 2.5 (maximum surcharge)
Automatic geocoding of addresses to latitude/longitude
Underwriting notes with decision guidance and peril flags
Spending limit enforcement via Actor.charge() check before every tool call

Use cases of Insurance Underwriting Intelligence

Commercial property underwriting: triage a day’s submissions by composite score in minutes
Actuarial climate trajectory modeling: project risk at 5, 10, and 25-year horizons from historical FEMA data
Reinsurance portfolio concentration analysis: identify geographic hazard convergence across a property schedule
Risk engineering pre-survey prioritization: use seismic and flood tools to identify highest-hazard properties needing inspection

FAQ from Insurance Underwriting Intelligence

What data sources does the Insurance Underwriting Intelligence MCP server use?

It queries 8 live government data sources: FEMA Disaster Declarations, USGS Earthquake Search, NOAA Weather Alerts, UK Environment Agency Flood Warnings, UK Police Crime Data, OpenAQ Air Quality, UK Land Registry, and Nominatim OpenStreetMap