--- title: "The CoverForce MCP Server: Setup, Quoting, and Security Guide" description: Connect the CoverForce MCP server to Claude, ChatGPT, or another AI assistant to quote commercial insurance. Setup steps, sample prompts, and security details. --- [Skip to content](https://helpcenter.coverforce.com/the-coverforce-mcp-server-setup-quoting-and-security-guide#main-content) ![CoverForce\_Secondary Logo (transparent).png\]](https://helpcenter.coverforce.com/hs-fs/hubfs/CoverForce_Secondary%20Logo%20(transparent).png?height=31&name=CoverForce_Secondary%20Logo%20(transparent).png) Open main navigation Close main navigation - [Go to Agent Portal](https://webapp.coverforce.com/) [Go to Agent Portal](https://webapp.coverforce.com/) Hello! What can we help you with? - There are no suggestions because the search field is empty. 1. [Help Center](https://helpcenter.coverforce.com/?hsLang=en) 2. [CoverForce Connector](https://helpcenter.coverforce.com/coverforce-connector?hsLang=en) # The CoverForce MCP Server: Setup, Quoting, and Security Guide The CoverForce MCP server connects your AI assistant to your CoverForce account, so you can start and quote commercial insurance applications just by chatting. Instead of keying an application in field by field, you describe the business and your assistant does the work, using your own carrier appointments. Model Context Protocol (MCP) is an open standard that lets AI assistants connect to outside tools and data. The CoverForce MCP server is CoverForce's version of that connection. Quote details, binding, and payment stay in the CoverForce agent portal. By the end of this article, you'll know what the server does, what you need before you start, how to connect Claude, ChatGPT, or another AI assistant, and how your data stays protected. **Works with:** - **Claude:** Free, Pro, Max, Team, and Enterprise (web and desktop) - **ChatGPT:** Plus, Pro, Business, Enterprise, and Edu (web only) - **Other AI tools:** any tool that supports remote MCP servers with OAuth sign-in --- ### **What the CoverForce MCP server does** You chat with your AI assistant in plain language, and it builds and submits the application in CoverForce for you. Everything it creates shows up in your agent portal right away. #### **What you can do with it** - **Start an application.** Begin a new application from just a business name and address. - **Classify the risk.** Resolve the NAICS classification and the class codes each carrier uses. - **Check appetite.** See which of your appointed carriers want the risk, and choose which ones to quote. - **Answer only what's needed.** Get only the underwriting questions your selected carriers need for that risk. - **Add locations.** Add locations with the details each line of business requires. - **Submit and track.** Submit to the carriers you picked and follow responses as they arrive. - **Search your book.** Find your agency's applications by business, status, coverage line, or date. #### **Policy types available today** - Business Owner's Policy (BOP) - Workers' Compensation (WC) - Commercial General Liability (CGL) - Commercial Property (CP) - Miscellaneous Professional Liability (MPL) - Builder's Risk (BR) - Cyber This covers 60+ carrier products. You only see the carriers, products, and states your agency is appointed and licensed for. #### **What stays in the agent portal** Some steps happen in the CoverForce agent portal, not in the conversation. This is by design. - **Quote details.** The server reports how many carriers quoted, declined, or failed. Carrier names, premiums, limits, and decline reasons appear in CoverForce. Your assistant gives you a link straight to the application, where every quote is shown side by side. Keeping that detail out of the conversation is a condition of our carrier agreements, because AI providers retain conversation history. - **Binding and payment.** Selecting a quote, choosing a payment plan, paying, and binding all happen in the portal. - **Carrier appointments.** Broker codes are managed in the portal under **Settings**. If a carrier you select has no appointment on file, your assistant gives you the link to add it. - **Sensitive personal identifiers.** The server never asks for or accepts a Social Security number. If a carrier needs one to bind, it's collected in the portal. #### **How it works with the agent portal** The MCP server and the portal are two views of the same account. Everything you create in a conversation exists immediately in CoverForce, recorded against your agent profile. When quotes come back, your assistant gives you a link to the application in the portal, where you compare quotes and bind. --- ### **Before you start** You need all four of these: 1. **A U.S. property & casualty producer license**, active in each state where you quote. The CoverForce MCP server is available to U.S.-based licensed insurance professionals only. 2. **A CoverForce agent login.** If your agency already uses CoverForce, you have one. If not, choose **Register** on the CoverForce sign-in page to create your agency and agent profile. You'll get an email to set your password. New agencies are verified for licensing before activation. 3. **Carrier appointments on file.** Add your agency's broker codes in the agent portal under **Settings**. CoverForce validates each one with the carrier. You can connect the server before your appointments are in place, but you can't quote a carrier without one. 4. **An AI assistant that supports remote MCP servers with OAuth sign-in.** Claude and ChatGPT both do. See How to connect for plan requirements. - **No CoverForce approval step.** You connect as yourself and sign in with your own CoverForce credentials. There's no separate CoverForce admin request. - **Wholesaler and network programs.** You can quote under a partner agency's appointments where that access has been granted to you. --- ### **How to connect** The setup is a little different in each AI assistant, but the CoverForce server address is always the same. #### **The CoverForce server address** `https://mcp.api.coverforce.com/mcp` **⚠️  This is not a website**  **⚠️** It's a connection address that you copy and paste into your AI assistant's settings. If you open it in your browser, you'll see a blank or technical-looking page. That's normal and doesn't mean anything is broken. *You only ever enter your CoverForce password on the CoverForce sign-in page. Your AI assistant never sees it.* #### **Connect in ChatGPT** **Who can use it:** ChatGPT Plus, Pro, Business, Enterprise, and Edu plans, on the web at chatgpt.com. It isn't available on the Free plan or in the ChatGPT mobile app. ChatGPT calls these integrations **Plugins**. ##### **Step 1: Turn on Developer mode (one-time setup)** 1. Open ChatGPT in your web browser and click your profile icon in the bottom-left corner. 2. Select **Settings**. 3. Select **Security and login**. 4. Turn on **Developer mode**. If ChatGPT asks you to confirm, select **Confirm**. *On a Business, Enterprise, or Edu workspace?* Your workspace admin must allow Developer mode first (in **Workspace settings \> Permissions & roles**). If you don't see the toggle, ask your admin. ##### **Step 2: Add CoverForce** 1. Go to **Plugins** (chatgpt.com/plugins). 2. Select the **+** button next to the search bar. 3. From the menu, select **Create app**. ![](https://helpcenter.coverforce.com/hs-fs/hubfs/MCP%20Images%20for%20HC%20Article/image%20(6).png?width=600&name=image%20(6).png) 4. In the **New Plugin** window, select **Create MCP App** in the bottom-left corner. You don't need to upload a file. ![](https://helpcenter.coverforce.com/hs-fs/hubfs/MCP%20Images%20for%20HC%20Article/image%20(3).png?width=500&name=image%20(3).png) 5. Fill in the details: - **Name:** CoverForce - **Description:** Quote commercial insurance through CoverForce - **MCP server URL:** https://mcp.api.coverforce.com/mcp - **Authentication:** OAuth 6. If shown, check the box acknowledging the plugin is unverified, then select **Create**. 7. When the CoverForce sign-in page opens, sign in with your CoverForce email and password (or choose **Register** if you don't have an account yet). ##### **Step 3: Use it in a chat** 1. Start a new chat. 2. Select the **+** button in the message box, then **More**, and choose **CoverForce**. 3. Describe the business you want to quote. See How to use it for sample prompts. #### **Connect in Claude** **Who can use it:** Claude Free, Pro, Max, Team, and Enterprise plans, on the web at claude.ai or in the Claude desktop app. Free plans can add one custom connector. Claude doesn't need Developer mode. *Tip:* If CoverForce appears in Claude's connector directory, you can connect it from there. Otherwise, follow the steps below. ##### **Individual plans (Free, Pro, Max)** 1. Go to **Customize \> Connectors**. 2. Click the **+** button next to Connectors, then select **Add custom connector**. 3. Enter a **Name** (CoverForce) and paste the server URL: https://mcp.api.coverforce.com/mcp 4. Check the sign-in settings: - **Authentication:** Sign in now - **OAuth client:** Register automatically These are usually already selected and marked **Detected**. ![](https://helpcenter.coverforce.com/hs-fs/hubfs/MCP%20Images%20for%20HC%20Article/image%20(5).png?width=420&name=image%20(5).png) 5. Leave **Advanced settings** blank and click **Add**. 6. Click **Connect** and sign in on the CoverForce sign-in page. ##### **Team and Enterprise plans** Only an Owner can add a custom connector for your organization. Once it's added, each person connects with their own CoverForce login. *Owner (one-time setup):* 1. Go to **Organization settings \> Connectors**. 2. Click **Add**, hover over **Custom**, then select **Web**. 3. Paste the server URL: https://mcp.api.coverforce.com/mcp 4. Check the sign-in settings: **Authentication** set to **Sign in now** and **OAuth client** set to **Register automatically**. 5. Leave **Advanced settings** blank and click **Add**. *Each team member:* 1. Go to **Customize \> Connectors**. 2. Find **CoverForce** (it will have a "Custom" label). 3. Click **Connect** and sign in on the CoverForce sign-in page. ##### **Use it in a chat** 1. Start a new chat. 2. Select the **+** button in the message box, open **Connectors**, and make sure **CoverForce** is turned on. 3. Describe the business you want to quote. 4. When Claude asks permission to use a CoverForce tool, choose **Allow once** or **Always allow**. Pick **Always allow** if you don't want to approve that tool every time. ![](https://helpcenter.coverforce.com/hs-fs/hubfs/MCP%20Images%20for%20HC%20Article/image%20(7).png?width=450&name=image%20(7).png)   📳 *On mobile? **You can't add a connector from the Claude mobile app***, but once it's added on the web or desktop, it works in the mobile app too. #### **Connect in another AI assistant** CoverForce works with any AI tool that supports **remote MCP servers** with **OAuth sign-in**. Menus look different from tool to tool, but setup always follows the same pattern. ##### **Step 1: Check that your tool supports it** Look in your tool's help docs for "remote MCP server," "custom connector," or "Streamable HTTP." It must also support OAuth sign-in. If it only supports local MCP servers, email [support@coverforce.com](mailto:support@coverforce.com) and we'll help you find another option. ##### **Step 2: Find the right settings page** It's usually labeled one of these: **MCP servers**, **Connectors**, **Integrations**, **Tools**, **Apps**, or **Plugins**. Look for an option like **Add server** or **Add custom**. ##### **Step 3: Enter the CoverForce details** | Field | What to enter | | --- | --- | | Name | CoverForce | | Server URL | https://mcp.api.coverforce.com/mcp | | Transport or type (if asked) | Streamable HTTP (sometimes just "HTTP") | | Authentication (if asked) | OAuth | | Client ID and secret (if asked) | Leave blank | ##### **Step 4: Sign in** Your tool opens the CoverForce sign-in page in your browser. Sign in with your CoverForce email and password. If nothing opens, check that your browser isn't blocking pop-ups. ##### **Step 5: Turn it on and test it** Enable CoverForce in a new chat (most tools have a tools or connectors menu in the message box), then ask: *"What can you do with CoverForce?"* **✨ You'll know it's working when** CoverForce shows as connected in your tool's settings, and your assistant can answer a question like *"Which policy types can you quote through CoverForce?"* --- ### **How to use it** Describe the business in plain language and let your assistant guide you through the rest. #### **Sample prompts** - "Start a BOP application for Bayside Coffee LLC, 120 Main St, Austin TX 78701." - "Which carriers have appetite for a landscaping contractor in Florida for workers' comp?" - "Walk me through the underwriting questions for this risk." - "Add a second location at 400 Congress Ave, frame construction, $850,000 building value." - "Submit for quotes and tell me when the carriers have responded." - "What is still missing before we can quote?" - "Show me the applications I started this week for restaurants." #### **Example** You need a BOP quote for a coffee shop. **Without the MCP server,** you open the agent portal, create the application, look up the class code, pick carriers, and answer each underwriting question by hand. **With the MCP server connected,** you ask: "Start a BOP application for Bayside Coffee LLC, 120 Main St, Austin TX 78701." Your assistant resolves the classification, checks which of your carriers have appetite, asks only the questions those carriers need, and submits. When quotes come back, it gives you a link to the application in the portal, where you compare quotes and bind. #### **Tips** - **Name the policy type if you know it.** If you're not sure, describe the business and the coverage you need, and your assistant will suggest one before it starts. - **Check the class code before you submit.** The classification drives both appetite and price. - **Keep one application per conversation.** It keeps the context clear about which risk you're working on. - **Review every quote in CoverForce before you bind.** The application shows each carrier, the premium, and any decline reasons side by side. --- ### **What the server can access** The server can read and update your agency's applications, but it can't bind, take payment, delete applications, or show premiums. #### **How permissions work** AI assistants separate tools that read data from tools that change it. - **Read tools** look things up. Most assistants run these without asking you each time. - **Write tools** create or change an application. Most assistants ask you to confirm before running one, and many let you approve a tool for the rest of the session (in Claude, this is **Always allow**). You can always see which tool your assistant is about to run, and decline it. | What | Read | Create or change | | --- | --- | --- | | Applications (your agency's) | ✅ | ✅ | | Locations on an application | ✅ | ✅ | | Industry classification and carrier class codes | ✅ | ✅ | | Carrier appetite and available products | ✅ | 🚫 | | Underwriting questions and your answers | ✅ | ✅ | | Broker code assignment on an application | ✅ | ✅ | | Your agency profile selection | ✅ | ✅ | | Quote status and counts | ✅ | 🚫 | | Carrier appointments (broker codes themselves) | ✅ | Portal only | | Premiums, carrier names, decline reasons | Portal only | 🚫 | #### **What no tool can do** - Bind a policy, take a payment, or move money. - Delete an application. - Change your agency's carrier appointments. - Return a Social Security number or a carrier credential. --- ### **Data and security** Your password stays on CoverForce's sign-in page, quote details stay in the portal, and CoverForce never trains AI models on your data. #### **How sign-in works** Authentication uses OAuth 2.0. You enter your CoverForce password only on the CoverForce sign-in page. The server issues a short-lived session to your AI assistant. Your CoverForce access token never leaves CoverForce's servers. #### **What the server sends your AI assistant** Only what the conversation needs to continue: the application data you entered, the industry and class codes it resolved, the underwriting questions your selected carriers ask, and the count of carriers that quoted, declined, or failed. It never sends carrier names on quotes, premiums, quote identifiers, account identifiers, Social Security numbers, or carrier credentials. #### **Why quote details stay in the portal** AI providers retain conversation history under their own policies. Our carrier agreements don't allow carrier-level quote detail in that history. So premiums, carrier names, and decline reasons are shown in the CoverForce agent portal, behind your own login. #### **Audit trail** Every action the server takes is recorded against your agent profile, exactly as if you had done it in the portal yourself. #### **Conversation retention by your AI provider** CoverForce doesn't use your data, or your clients' data, to train AI models. Your conversations are retained by your AI provider under its own terms and privacy policy, not by CoverForce. Review those settings, including any model-training opt-out, before you use the connector for client work. Share only the business information needed to quote the risk. #### **Who does what** CoverForce is technology infrastructure, not an insurance agency. All quoting and binding is performed by your licensed agency under its own carrier appointments. Carriers underwrite and issue every policy, and handle all claims directly. Your data is processed under the CoverForce Privacy Policy and Terms of Service. --- ### **Frequently asked questions** #### **Access and setup** **Do I need a separate CoverForce approval to connect?** *No. You sign in with your own CoverForce credentials. If your agency uses CoverForce today, you already have a login.* **I don't have a CoverForce account. Can I still use this?** *Yes. Choose **Register** on the sign-in page to create your agency and agent profile. New agencies are verified for licensing before activation.* **Does my AI assistant see my CoverForce password?** *No. You enter it only on the CoverForce sign-in page.* **I opened the server address in my browser and got a strange page.** *That's expected. The server address isn't a website. It only works when you paste it into your AI assistant's connector or plugin settings.* **I don't see the Developer mode toggle in ChatGPT.** *Developer mode is only on paid plans (Plus, Pro, Business, Enterprise, Edu) and only on the web. On a Business, Enterprise, or Edu workspace, your workspace admin needs to allow it first.* **In ChatGPT, the + button shows Create plugin, Upload plugin, and Create app. Which one do I pick?** *Select **Create app**, then **Create MCP App** in the window that opens. See Connect in ChatGPT.* **I can't find "Add custom connector" in Claude.** *On Team and Enterprise plans, only an Owner can add custom connectors. Ask your Owner to add CoverForce, then connect it under **Customize \> Connectors**.* **Claude keeps asking me to approve each action.** *When the permission prompt appears, choose **Always allow** instead of **Allow once**. Claude will stop asking for that tool.* **The CoverForce sign-in page didn't open.** *Check that your browser isn't blocking pop-ups, then try connecting again.* **Can I use this outside the United States?** *No. The server is available to U.S.-based licensed insurance professionals only, for U.S. commercial insurance.* #### **Quoting and applications** **The assistant says my carrier has no broker code.** *Add the carrier appointment in the agent portal under **Settings**, then tell your assistant it's done. It re-checks and continues.* **Can I see premiums in the chat?** *No. Open the application link your assistant gives you. The portal shows every quote with the carrier, the premium, and any decline reasons.* **Why doesn't it ask me every question on the application?** *It asks only what your selected carriers actually need for that risk.* **Quoting seems slow.** *Carriers respond in roughly five to sixty seconds each. Your assistant reports once all of them have answered. Ask for the status at any time.* **What happens to my application if the chat ends?** *Nothing is lost. The application lives in CoverForce, not in the conversation. Sign in to the agent portal to find it, or start a new chat and ask your assistant to search for it.* **Which policy type should I ask for?** *Name it if you know it. If you're not sure, describe the business and the coverage you need, and your assistant will suggest the policy type before it starts the application.* **Can I bind in the chat?** *No. Binding, payment plan selection, and payment all happen in the CoverForce agent portal.* #### **Data and security** **Where does my client's information go?** *To CoverForce, and to the carriers you choose to submit to, for the purpose of producing quotes. Your conversation is also retained by your AI provider under its own policies.* **Will a Social Security number ever be requested?** *Not by the server. It never asks for or accepts one. If a carrier requires one to bind, it's collected in the portal.* **Is my activity logged?** *Yes. Every action is recorded against your agent profile, the same as portal activity.* **Does CoverForce train AI models on my data?** *No. CoverForce doesn't use your data, or your clients' data, to train AI models. Model-training behavior in the conversation itself is governed by your AI provider's own settings, which you control in that product.* --- ### **Support and next steps** Still stuck? Email 🔗 [support@coverforce.com](mailto:support@coverforce.com) and include: - Your application ID (if it's about a specific quote) - Which AI assistant you're using (Claude, ChatGPT, or other) - A screenshot of any error message For account, licensing, or appointment questions, contact your account manager. #### **Keep going** - **Add your carrier appointments:** [Adding Your Broker Codes](https://helpcenter.coverforce.com/adding-your-broker-codes?hsLang=en) - **Set up your agency:** [Broker IDs settings](https://helpcenter.coverforce.com/getting-started?hsLang=en#broker-ids-settings) and [Team Management settings](https://helpcenter.coverforce.com/getting-started?hsLang=en#team-management-settings) - **Compare and bind your quotes:** [Quoting your risk](https://helpcenter.coverforce.com/quote-submit-bind?hsLang=en#quoting-your-risk) - **Check carrier appetite before you start:** [Appetite Guide](https://helpcenter.coverforce.com/tools?hsLang=en#appetite-guide) - [Getting started](https://helpcenter.coverforce.com/getting-started?hsLang=en#main-content) - [Broker IDs settings](https://helpcenter.coverforce.com/getting-started?hsLang=en#broker-ids-settings) - [Team Management settings](https://helpcenter.coverforce.com/getting-started?hsLang=en#team-management-settings) - [Adding Your Broker Codes](https://helpcenter.coverforce.com/adding-your-broker-codes?hsLang=en) - [Quote, Submit, Bind](https://helpcenter.coverforce.com/quote-submit-bind?hsLang=en#main-content) - [Start a Submission](https://helpcenter.coverforce.com/quote-submit-bind?hsLang=en#start-a-submission) - [Create/Edit Accounts](https://helpcenter.coverforce.com/quote-submit-bind?hsLang=en#create-edit-accounts) - [Quoting your risk](https://helpcenter.coverforce.com/quote-submit-bind?hsLang=en#quoting-your-risk) - [Videos & Tutorials](https://helpcenter.coverforce.com/videos-tutorials?hsLang=en) - [FAQs](https://helpcenter.coverforce.com/faqs?hsLang=en#main-content) - [Acronyms](https://helpcenter.coverforce.com/faqs?hsLang=en#acronyms) - [Terms & Definitions](https://helpcenter.coverforce.com/faqs?hsLang=en#terms-definitions) - [Tools](https://helpcenter.coverforce.com/tools?hsLang=en#main-content) - [Appetite Guide](https://helpcenter.coverforce.com/tools?hsLang=en#appetite-guide) - [Reports](https://helpcenter.coverforce.com/tools?hsLang=en#reports) - [General](https://helpcenter.coverforce.com/general?hsLang=en) - [Product Newsletters](https://helpcenter.coverforce.com/product-newsletters?hsLang=en) - [CoverForce Connector](https://helpcenter.coverforce.com/coverforce-connector?hsLang=en) - [CoverForce Help Center](https://helpcenter.coverforce.com/) - [Go to Agent Portal](https://webapp.coverforce.com/) [![Chill listening crop-3](https://helpcenter.coverforce.com/hs-fs/hubfs/Logos/2020.09%20Logo%20webflow.png?width=34&height=24&name=2020.09%20Logo%20webflow.png "Chill listening crop-3")](https://www.coverforce.com/) Copyright © 2025, CoverForce