Menlo Insurance MCP

AI-Native Insurance Quoting

Menlo Insurance's Model Context Protocol (MCP) integration brings commercial and personal insurance quoting directly into AI assistants like ChatGPT and Claude. Instead of switching between browser tabs and chat windows, you can research coverage options, start quotes, answer application questions, and review carrier responses—all within your preferred AI interface.

What It Does

The MCP connector lets AI assistants interact with Menlo's full insurance platform through a secure, permission-based connection. You can:

• Browse available insurance products across commercial (general liability, business owners, workers' comp, cyber, professional liability), specialty (employment practices, inland marine, builders risk, liquor coverage), and personal lines (homeowners, auto, renters, umbrella)
• Start new quotes or continue existing applications you've already begun on Menlo's website
• Answer carrier questionnaires and follow-up questions conversationally
• Review your completed application and explicitly authorize carrier quote requests
• Check quote status and compare available coverage options from multiple carriers

Privacy & Security First

Unlike typical integrations, Menlo's MCP implementation enforces strict privacy boundaries. You grant access to one quote at a time—never your entire account—and sessions expire after seven days maximum. Sensitive data like Social Security numbers, driver's licenses, banking details, signatures, and final coverage elections remain exclusively on Menlo's secure web platform. Quote authorization and binding happen only after explicit review and consent.

Universal MCP Compatibility

Menlo uses the standard MCP protocol, making it compatible with any MCP-enabled application. Setup requires only a single server URL—no client IDs, API keys, or secrets. Supported environments include ChatGPT (with Developer mode), Claude Desktop, coding agents like Cursor and Windsurf, and custom MCP implementations. For apps other than ChatGPT and Claude, a Menlo broker reviews quotes before carrier submission.

Who It's For

This integration serves business owners, property managers, contractors, and individuals who already use AI assistants for research and decision-making. It's particularly valuable for those comparing multiple coverage options, working through complex application requirements, or managing quotes across multiple properties or business entities. The conversational interface simplifies traditionally complex insurance workflows without sacrificing compliance or security.