{"id":546240,"recorded_at":"2026-10-27T20:27:54.364489Z","observed_at":"2026-10-27T20:27:54.364407Z","subject_kind":"endpoint","subject":"da46dd31-22a3-479d-81e9-825ea531a77e","kind":"mcp.tools","method":"probe.mcp/1","body":{"count":40,"tools":[{"description":"Look up NAIC IID (Quarterly Listing of Alien Insurers) surplus-lines eligibility -- nationwide under NRRA -- for an insurer by name or alien ID, or list the current roster with recent additions/removals. $0.10 per query. 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Mirrors GET /v1/carriers/footprint.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"code":{"minLength":1,"type":"string"},"line":{"default":"total_all_lines","minLength":1,"type":"string"},"states":{"items":{"minLength":1,"type":"string"},"type":"array"},"year":{"maximum":2100,"minimum":1900,"type":"integer"}},"required":["code"],"type":"object"},"name":"compare_carrier_states"},{"description":"Compare premium/policy count series across multiple states side-by-side. $0.50 per query. Mirrors GET /v1/compare.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"from":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"},"granularity":{"default":"month","enum":["month","quarter","half","year"],"type":"string"},"line":{"default":"all","minLength":1,"type":"string"},"states":{"items":{"minLength":1,"type":"string"},"minItems":1,"type":"array"},"to":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"}},"required":["states"],"type":"object"},"name":"compare_states"},{"description":"A carrier's statutory-statement financial dossier: identity (domicile, FEIN, parent, incorporation date) plus its full loaded fiscal-year series (assets, surplus, premium, IRIS distress ratios), from each carrier's NAIC annual-statement filing. Requires `insurer` or `naic`; add `year` to narrow to one fiscal year. $0.10 per query. Free discovery: /v1/financials/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"insurer":{"minLength":1,"type":"string"},"naic":{"minLength":1,"type":"string"},"year":{"maximum":2100,"minimum":1900,"type":"integer"}},"type":"object"},"name":"get_carrier_financials"},{"description":"One carrier's multi-year trajectory (rank, dpw, market_share, YoY) for a single line and scope (a jurisdiction or countrywide), plus group member companies for group codes. DELIBERATE single-scope limit: use compare_carrier_states for a cross-state comparison. $0.10 per query. Mirrors GET /v1/carriers/profile.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"code":{"minLength":1,"type":"string"},"line":{"default":"total_all_lines","minLength":1,"type":"string"},"state":{"enum":["AL","AK","AZ","AR","CA","CO","CT","DE","DC","FL","GA","HI","ID","IL","IN","IA","KS","KY","LA","ME","MD","MA","MI","MN","MS","MO","MT","NE","NV","NH","NJ","NM","NY","NC","ND","OH","OK","OR","PA","RI","SC","SD","TN","TX","UT","VT","VA","WA","WV","WI","WY","AS","GU","MP","PR","VI","CAN","AOA"],"type":"string"}},"required":["code"],"type":"object"},"name":"get_carrier_profile"},{"description":"Is a carrier in trouble? Look up a company's receivership/liquidation record plus its enforcement actions (fines, license suspensions/revocations) across the covered states in one dossier, or list receivership estates by status. Add `state` to narrow. $0.10 per query. Mirrors GET /v1/solvency. Free discovery: /v1/solvency/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"insurer":{"minLength":1,"type":"string"},"limit":{"default":100,"maximum":500,"minimum":1,"type":"integer"},"state":{"pattern":"^[A-Za-z]{2}$","type":"string"},"status":{"enum":["rehabilitation","liquidation","conservation","closed"],"type":"string"}},"type":"object"},"name":"get_carrier_solvency"},{"description":"Free sample of the carrier market-share dataset (NAIC Market Share Report, P/C): Florida's top 5 carriers for total-all-lines, latest data year, with the STATE TOTAL/all_other rows and CR4/CR10 concentration. Free.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_carriers_sample"},{"description":"Per-county FEMA disaster-declaration detail for one hurricane event (declaration type/date, incident window, IA/PA/IH/HM program flags). Filter by `state`. $0.10 per query. Mirrors GET /v1/cat/counties. Free discovery: /v1/cat/events, /v1/cat/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"event":{"minLength":1,"type":"string"},"state":{"pattern":"^[A-Za-z]{2}$","type":"string"}},"required":["event"],"type":"object"},"name":"get_cat_counties"},{"description":"Hurricane exposure: the latest annual county-level surplus-lines premium for a state, annotated by which counties were federally declared for a given storm, with the declared-zone premium and its share of the statewide total. A current-book snapshot, NOT a pre-vs-post change. `state` defaults FL. $0.50 per query. Mirrors GET /v1/cat/exposure.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"event":{"minLength":1,"type":"string"},"state":{"default":"FL","pattern":"^[A-Za-z]{2}$","type":"string"}},"required":["event"],"type":"object"},"name":"get_cat_exposure"},{"description":"Hurricane premium impact: the change in county-level surplus-lines premium in a storm's federally-declared counties, the last full year BEFORE landfall vs the first full year AFTER, with the rest of the state as a control. The E&S-grows-after-a-storm signal, quantified. `state` defaults FL. $0.50 per query. Mirrors GET /v1/cat/impact.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"event":{"minLength":1,"type":"string"},"state":{"default":"FL","pattern":"^[A-Za-z]{2}$","type":"string"}},"required":["event"],"type":"object"},"name":"get_cat_impact"},{"description":"Free sample of the hurricane/catastrophe dataset: recent events plus the latest FL-affecting hurricane's Florida exposure headline (declared counties and their share of statewide surplus-lines premium). Free.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_cat_sample"},{"description":"Citizens Property Insurance Corporation (Florida) depopulation (takeout) activity: annual totals by policy type, or company-level detail for years with published detail (2017, 2018, 2021+). $0.10 per query. Mirrors GET /v1/citizens/depopulation.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"company":{"minLength":1,"type":"string"},"detail":{"default":false,"type":"boolean"},"from":{"maximum":2100,"minimum":1900,"type":"integer"},"to":{"maximum":2100,"minimum":1900,"type":"integer"},"year":{"maximum":2100,"minimum":1900,"type":"integer"}},"type":"object"},"name":"get_citizens_depopulation"},{"description":"Citizens Property Insurance Corporation (Florida) monthly policies-in-force by product line, optionally broken out by coverage (wind/ex_wind), region (tri_county/remainder), or filtered to a single county. $0.10 per query. Mirrors GET /v1/citizens/pif.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"county":{"minLength":1,"type":"string"},"from":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"},"granularity":{"default":"month","enum":["month"],"type":"string"},"product_line":{"default":"all","minLength":1,"type":"string"},"split":{"enum":["coverage","region"],"type":"string"},"to":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"}},"type":"object"},"name":"get_citizens_pif"},{"description":"Free sample of the Citizens Property Insurance Corporation (Florida) dataset: statewide all-lines policies-in-force, latest 13 months, plus the latest year's depopulation (takeout) totals. Free.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_citizens_sample"},{"description":"Report which states, date ranges, and granularities (month/quarter/half/year) have data available. Free.","inputSchema":{"properties":{},"type":"object"},"name":"get_coverage"},{"description":"Free sample of the NAIC IID (Quarterly Listing of Alien Insurers) eligibility roster: a few alien companies and Lloyd's syndicates, plus the latest edition's additions/removals. Free.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_eligibility_sample"},{"description":"The IRIS distress screen: carriers whose NAIC annual-statement filing reports a published, NON-ZERO count of IRIS ratios outside the usual range for a fiscal year (NULL/unpublished years are excluded, never read as zero). Filter by `year`; a carrier can appear more than once across years. $0.10 per query. Free discovery: /v1/financials/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"limit":{"default":100,"maximum":500,"minimum":1,"type":"integer"},"year":{"maximum":2100,"minimum":1900,"type":"integer"}},"type":"object"},"name":"get_financials_distress"},{"description":"A carrier's reinsurer panel from its NAIC annual-statement filing (the 'Reinsurers (Top 5)' schedule): reinsurer name, class, authorization status, gross recovery, and amounts over 120 days overdue. Requires `insurer` or `naic`. $0.10 per query. Free discovery: /v1/financials/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"insurer":{"minLength":1,"type":"string"},"naic":{"minLength":1,"type":"string"}},"type":"object"},"name":"get_financials_reinsurers"},{"description":"Free sample of the insurer financial-cards dataset: a handful of carriers' latest-fiscal-year headline figures (assets, surplus, gross premium, combined/losses-incurred ratios, IRIS distress count) plus a distress-screen headline. 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Free.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_hazard_sample"},{"description":"Florida homeowners property-insurance litigation metrics by year: Florida's share of the nation's homeowners' claims and lawsuits opened (the admitted-market litigation leading indicator that pushes risk into E&S), plus defense cost & containment expense figures. Optional `from`/`to` year window. $0.10 per query. Free discovery: /v1/litigation/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"from":{"maximum":2100,"minimum":1900,"type":"integer"},"to":{"maximum":2100,"minimum":1900,"type":"integer"}},"type":"object"},"name":"get_litigation_metrics"},{"description":"Free sample of the Florida property-insurance litigation dataset: the headline ratio (Florida's share of the nation's homeowners' claims vs. lawsuits) and the latest three years. Free -- the discovery bait for /v1/litigation.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_litigation_sample"},{"description":"Time series of E&S/surplus lines premium and policy counts for a state, optionally by coverage line, date range, and granularity. $0.10 per query. Mirrors GET /v1/premium.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"county":{"minLength":1,"type":"string"},"from":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"},"granularity":{"default":"month","enum":["month","quarter","half","year"],"type":"string"},"line":{"default":"all","minLength":1,"type":"string"},"state":{"minLength":1,"type":"string"},"to":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"}},"required":["state"],"type":"object"},"name":"get_premium"},{"description":"Free sample of the premium data: statewide all-lines premium and policy-count series for a state, latest 13 periods, at whatever granularity that state publishes (month for FL/TX/CA, half for IL, year for NY/WA). Annual states whose history runs longer than the sample window also return a `history` object with first-to-latest premium and growth multiple across the full series. Line/county/insurer detail, full history, and cross-state comparison are paid tools.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"state":{"default":"FL","minLength":1,"type":"string"}},"type":"object"},"name":"get_premium_sample"},{"description":"The rate-activity index: admitted-market SERFF rate filings aggregated by state x coverage line x period (month/quarter/year) -- filing_count, avg_rate_change_pct, share_increasing/share_decreasing, max_increase. Compare states with `states=TX,MS`. Admitted-market rate activity is a leading indicator of surplus-lines (E&S) growth; this is the differentiator endpoint. $0.10 per query. Free discovery: /v1/rates/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"from":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"},"granularity":{"default":"quarter","enum":["month","quarter","year"],"type":"string"},"line":{"minLength":1,"type":"string"},"states":{"items":{"minLength":1,"type":"string"},"type":"array"},"to":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"}},"type":"object"},"name":"get_rate_activity"},{"description":"Browse or filter admitted-market SERFF rate filings (Texas TDI open data, Mississippi MID bulletins, California CDI rate-filing approvals, and Washington OIC annual reports): filter by `state` (CA|MS|TX|WA), `line` (coverage category or TOI name substring), `insurer` (name substring), `min_change` (rate_change_pct >= this), or `from`/`to` (received_date, YYYY-MM). Admitted-market rate activity is a leading indicator of surplus-lines (E&S) growth. $0.10 per query. Mirrors GET /v1/rates. Free discovery: /v1/rates/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"from":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"},"insurer":{"minLength":1,"type":"string"},"limit":{"default":100,"maximum":500,"minimum":1,"type":"integer"},"line":{"minLength":1,"type":"string"},"min_change":{"type":"number"},"state":{"pattern":"^[A-Za-z]{2}$","type":"string"},"to":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"}},"type":"object"},"name":"get_rate_filings"},{"description":"Free sample of the SERFF admitted-market rate-filings dataset: per-state (CA, MS, TX, WA) filing counts and date range, plus a few of the largest recent rate increases. Admitted-market rate activity is a leading indicator of surplus-lines (E&S) growth. Free -- the discovery bait for /v1/rates and /v1/rates/activity.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_rate_filings_sample"},{"description":"The leading-indicator join: E&S/surplus-lines premium (plus YoY growth) aligned period-by-period against admitted-market SERFF rate-filing activity (filing_count, avg_rate_change_pct, share_increasing, max_increase) on the shared coverage category. `lag` shifts the rate series back N periods so you can test the leading-indicator relationship yourself (lag=1, granularity=year pairs premium with the prior year's rate activity). TX only (the state with both a rich rate history and E&S premium by line); category join is annual, line=all is also monthly/quarterly. Two aligned data families, not a prediction. $0.50 per query. Free discovery: /v1/rates/sample, /v1/premium/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"from":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"},"granularity":{"default":"year","enum":["month","quarter","year"],"type":"string"},"lag":{"default":0,"maximum":8,"minimum":-8,"type":"integer"},"line":{"default":"all","minLength":1,"type":"string"},"state":{"default":"TX","minLength":1,"type":"string"},"to":{"pattern":"^\\d{4}-(0[1-9]|1[0-2])$","type":"string"}},"type":"object"},"name":"get_rates_vs_premium"},{"description":"Free sample of the multi-state carrier-distress dataset: headline counts plus a few recent liquidations and recent enforcement fines. 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Free discovery: /v1/syndicates/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"limit":{"default":200,"maximum":500,"minimum":1,"type":"integer"},"managing_agent":{"minLength":1,"type":"string"},"syndicate":{"minLength":1,"type":"string"}},"type":"object"},"name":"get_syndicate"},{"description":"Free sample of the Lloyd's of London syndicate-results dataset: how many syndicates are covered, the forecast year-of-account range, and a few example syndicate dossiers (capacity + estimated result forecast). Free -- the discovery bait for /v1/syndicates.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"get_syndicate_sample"},{"description":"Top carriers (NAIC group codes and standalone companies, ranked together per the report's own methodology) by direct premiums written for a jurisdiction (or countrywide) and line of business, with year-over-year change and CR4/CR10 concentration. `line` accepts a category to fan out into multiple line blocks. $0.10 per query. Mirrors GET /v1/carriers.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"limit":{"default":10,"maximum":125,"minimum":1,"type":"integer"},"line":{"default":"total_all_lines","minLength":1,"type":"string"},"scope":{"default":"us","enum":["us","us_alien"],"type":"string"},"state":{"enum":["AL","AK","AZ","AR","CA","CO","CT","DE","DC","FL","GA","HI","ID","IL","IN","IA","KS","KY","LA","ME","MD","MA","MI","MN","MS","MO","MT","NE","NV","NH","NJ","NM","NY","NC","ND","OH","OK","OR","PA","RI","SC","SD","TN","TX","UT","VT","VA","WA","WV","WI","WY","AS","GU","MP","PR","VI","CAN","AOA"],"type":"string"},"year":{"maximum":2100,"minimum":1900,"type":"integer"}},"type":"object"},"name":"get_top_carriers"},{"description":"Top insurers by E&S/surplus lines premium for a state and period (month, half-year, or year), each with the carrier's latest-year combined and losses-incurred ratio joined by NAIC code (premium AND loss ratios in one call). $0.10 per query. Mirrors GET /v1/insurers.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"period":{"pattern":"^\\d{4}(-(0[1-9]|1[0-2])|-H[12])?$","type":"string"},"state":{"minLength":1,"type":"string"}},"required":["state","period"],"type":"object"},"name":"get_top_insurers"},{"description":"List the NAIC annual-statement line-of-business taxonomy (line_no, line_code, name, category, from_year, comparability_note) used by the carriers (NAIC Market Share Report) dataset, plus which data years are loaded. Free.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{},"type":"object"},"name":"list_carrier_lines"},{"description":"List U.S. hurricane catastrophe events (FEMA disaster declarations grouped into named storms, with NOAA landfall category/wind), most recent first. Filter by `state` (2-letter code), `year`, or `peril`. Free -- the discovery bait for /v1/cat/counties and /v1/cat/exposure.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"limit":{"default":200,"maximum":500,"minimum":1,"type":"integer"},"peril":{"minLength":1,"type":"string"},"state":{"pattern":"^[A-Za-z]{2}$","type":"string"},"year":{"maximum":2100,"minimum":1900,"type":"integer"}},"type":"object"},"name":"list_cat_events"},{"description":"The multi-state insurer enforcement ledger: fines and license suspensions/revocations/denials from state regulators (FL OIR, Texas TDI, New York DFS, California CDI, Washington OIC), plus Florida's examinations and investigations roster. Filter by `insurer`, `state`, `action_type`, or `year`. $0.10 per query. Mirrors GET /v1/enforcement. Free discovery: /v1/solvency/sample.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","properties":{"action_type":{"enum":["fine","suspension","revocation","denial","examination","investigation"],"type":"string"},"insurer":{"minLength":1,"type":"string"},"limit":{"default":100,"maximum":500,"minimum":1,"type":"integer"},"state":{"pattern":"^[A-Za-z]{2}$","type":"string"},"year":{"maximum":2100,"minimum":1900,"type":"integer"}},"type":"object"},"name":"list_enforcement_actions"},{"description":"List the coverage line taxonomy (source codes, names, normalized categories) available for a state. 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