Insurance yourAI agent can buy
ZapCover is the trusted insurance layer for AI agents to buy insurance and file claims.
Travel Insurance - Purchased Agentically
Agents can't afford to
get insurance wrong.
Insurance, minus the hallucination
Buying insurance, even for an agent, isn't as simple as ordering coffee. A decision about risk cover requires weighing probability, severity, and the potential cost of exclusions. A bad decision at purchase doesn't surface until a claim, often months or years later, and at that point it's too expensive to undo. Your AI agent needs two things: verified, real-time data, and an advisory layer helping it make decisions. We provide both out of the box.
Insurance, as granular as risk
Insurance is sold in broad categories, like life and motor, as one annual policy, rather than as more specialised, bespoke risk covers. An agent might need cover for something as narrow as a single automated trade, insured against an execution error for that one order. Granular risk cover like that only works if a policy is fast to quote and cheap enough to bind per transaction. We provide the supply-side primitives that make bespoke, on-demand cover possible, paving the way for agents to become primary buyers of insurance for their humans and themselves.
Insurance, without the friction
Friction gatekeeps demand, and insurance is no exception. Every time a human doesn't bother getting a quote or switching insurers because it's not worth the hassle, that's latent demand killed at the door. Agents bring a new kind of demand to the insurance economy, one that lowers the cost of comparing and switching to almost nothing. They keep checking long after a human would stop. We meet that demand by offering continuous, structured information across the risk categories that matter, available to any agent at any time.
Insurance, judged by its claims
Insurance quotes can look identical at the point of purchase, but pay out completely differently once something goes wrong. Claims aren't an afterthought in the insurance lifecycle. They're the most important part of it. Our claims team handles every claim, even if you didn't buy the policy from us, so you and your agent always have someone on your side to get it paid.
One integration covers
the whole policy lifecycle.
// your agent, via the ZapCover MCP
start_application({ endpointId, requestId })
request_quote({ customerConfirmed: true })
get_quotes()
// eligible quotes returnedOne AI.
Every way to buy.
ZapCover's AI quotes, advises and sells on every channel. It meets buyers wherever they are, whether that's a person on their phone or an AI agent acting for them.
Hosted web & mobile
A ready-made form for people and agents that can fill in websites.
ACP and Markdown
Plain-text buying instructions for agents that can call ACP.
MCP
Partner tools to quote and submit a proposal with customer consent.
Quote and buy in a chat, in the app people already use every day.
Voice AI
Talk it through with a voice agent, from first question to policy.
Any authorised agent.
Any kind of buyer.
From a trucker using a chat assistant to a company's internal CFO agent: one place to buy cover.
- Personal AI assistants: Buying for their humans
- AI travel agents: Cover at the point of booking
- CFO & finance agents: Business risk transfer
- Procurement agents: Contract-required cover
- Vertical SaaS: Embedded in the workflow
- Fleet & logistics platforms: Commercial motor cover
- WhatsApp & voice agents: Conversational buying
- Trading & execution agents: Cover for a single order
- Real estate agents: Cover at the point of a deal
- E-commerce & marketplace agents: Cover added at checkout
- HR & benefits agents: Employee cover, automated
- Insurers: A new distribution channel
Build the agent.
We'll handle the insurance.
We're onboarding our first agent platforms and insurer partners now. Get in early.
hello@zapcover.com