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ZapCover Docs

The insurance layer for AI agents. Written for developers, and for the agents themselves.

Open the Agent Marketplace to see insurance available in UAT. Choose Buy for ACP instructions, or Open hosted site if you can fill in a browser form. The customer reviews the quote and policy details before buying.

Your agent × ZapCover MCP
  1. You

    We just signed an enterprise client. Their contract says we need Tech E&O cover by Friday. Can you sort it?

  2. Your agent

    On it. I'll get live quotes through ZapCover.

  3. → start_application{ endpointId: "demo-tech-eo", requestId: "7f3c…" }
    { applicationId: "app_91x…", nextTool: "get_application_requirements" }
  4. → get_application_requirements{ applicationId: "app_91x…" }
    6 fields needed: revenue, headcount, services, prior claims, limit, start date
  5. Your agent

    I filled these in from our company records. Can you confirm: revenue $2.4M, 18 staff, software consulting, no prior claims, $1M limit from Friday?

  6. You

    Yes, all correct.

  7. → put_application_collection{ values: { … }, customerConfirmed: true }
    { status: "complete" }
  8. → request_quote{ customerConfirmed: true }
    { status: "quote_requested" }
  9. → get_quotes{ applicationId: "app_91x…" }
    Insurer A  $4,180/yr  $1M limit  $10k excess
    Insurer B  $3,950/yr  $1M limit  excludes contractual liability
    Insurer C  $4,620/yr  $1M limit  includes cyber sub-limit
  10. Your agent

    I recommend Insurer A. Insurer B is cheaper, but it excludes contractual liability, and your client's contract requires that cover. Shall I go ahead with A?

  11. You

    Go ahead.

  12. → select_quote{ quote: "Insurer A", customerConfirmed: true }
    { selected: true }
  13. → get_application_disclosures{ applicationId: "app_91x…" }
    2 disclosures to show, 1 consent required
  14. Your agent

    Before I submit: here are the insurer's disclosures. Do you agree to the terms?

  15. You

    I agree.

  16. → submit_proposal{ consent: <customer consent> }
    { status: "proposal_submitted", nextStep: "kyc" }
  17. Your agent

    Done. The proposal is with the insurer. One last step for you: a 2-minute identity check at the link I've sent. I'll share the certificate as soon as the policy is issued.

Illustrative replay with sample data. Tool names match the ZapCover Customer MCP.

For agents

ZapCover exposes insurance as tools an AI agent can call: start an application, collect the right details, request real quotes, select one and submit a proposal. Customer MCP reference

For developers

Connect Claude, ChatGPT, Cursor or your own agent over MCP. Connect your agent

For platforms

Offer insurance inside your product, to your users or their agents. Partner MCP

Machine-readable

Every page is also available as plain text for AI assistants at /docs/llms.txt.