{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T17:13:19.774Z","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity","markdownUrl":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity.md","server":{"slug":"com-myinsurancecity-mcp","name":"Insurance City (California commercial insurance)","registryName":"com.myinsurancecity/mcp","description":"Insurance City (CA #6003045), EN/ES: commercial + personal insurance, quote in chat, quote status, g","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"myinsurancecity","type":"remote","identifier":"https://myinsurancecity.com/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity","version":"2.0.0","transport":null,"scoredAt":"2026-11-05T00:42:07.408Z"},"score":{"total":85,"tier":"high trust","status":"scored","weekDelta":3,"history":[{"date":"2026-11-05","total":85},{"date":"2026-11-04","total":85},{"date":"2026-11-03","total":85},{"date":"2026-11-02","total":84},{"date":"2026-11-01","total":84},{"date":"2026-10-31","total":83},{"date":"2026-10-30","total":83},{"date":"2026-10-29","total":82},{"date":"2026-10-28","total":82},{"date":"2026-10-27","total":81},{"date":"2026-10-26","total":81},{"date":"2026-10-25","total":80},{"date":"2026-10-24","total":80},{"date":"2026-10-23","total":79},{"date":"2026-10-22","total":79},{"date":"2026-10-21","total":79},{"date":"2026-10-20","total":78},{"date":"2026-10-19","total":78},{"date":"2026-10-18","total":77},{"date":"2026-10-17","total":77},{"date":"2026-10-16","total":76},{"date":"2026-10-15","total":76},{"date":"2026-10-14","total":75},{"date":"2026-10-13","total":75},{"date":"2026-10-12","total":74},{"date":"2026-10-11","total":74},{"date":"2026-10-10","total":73},{"date":"2026-10-07","total":72},{"date":"2026-10-05","total":71},{"date":"2026-10-04","total":71}]},"categories":[{"name":"Endpoint Security","score":80,"verdict":"fail","reasons":["The endpoint's TLS certificate is valid, in date, and uses a strong key.","No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.","HTTPS is enforced; there's no plaintext access path.","The HSTS (Strict-Transport-Security) header is present.","DNSSEC check failed: this domain isn't protected by DNSSEC."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_no_destructive","args":{}},{"code":"https.enforced","args":{}},{"code":"headers.hsts_present","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":67,"verdict":"fail","reasons":["AI-judged instruction clarity (good).","Context-footprint check failed: tool/resource definitions use about 1355 tokens (~150/item across 9 items; 9 tools + 0 resources), over budget; trim descriptions and params.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"good"}},{"code":"schema.footprint_heavy","args":{"avg":"150","items":"9","tools":"9","tokens":"1355","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":100,"verdict":"pass","reasons":["No destabilizing schema changes in the last 30 days."],"codes":[{"code":"stability.stable","args":{}}]},{"name":"Tool Coverage","score":82,"verdict":"partial","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","46% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"46"}}]},{"name":"Tool Safety","score":100,"verdict":"pass","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","All 2 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation.","An AI judge read all 10 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_declared","args":{"pct":"100","annotated":"2","destructive":"2"}},{"code":"toolsafety.manipulation_clean","args":{"units":"10","judged":"10"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a current MCP spec version (2026-07-28)."],"codes":[{"code":"protocol.current","args":{"version":"2026-07-28"}}]}],"inconclusive":[],"malware":[],"components":[{"slug":"myinsurancecity","type":"remote","identifier":"https://myinsurancecity.com/mcp","withdrawn":false,"score":85,"current":true,"url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity","markdownUrl":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity.md"}],"facts":[{"label":"Endpoint","value":"https://myinsurancecity.com/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"2.0.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"get_agency_info","title":"Agency facts","description":"Licensed identity of Insurance City / Via Rapida Services (Insurance City Agency, LLC, CA license #6003045): states, languages, phone, verification link.","inputs":[],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":43},{"name":"get_offices","title":"Office locations and hours","description":"The three California offices (Stockton, San Jose, San Rafael) with address, phone and hours.","inputs":[],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":30},{"name":"list_products","title":"Insurance products","description":"Insurance products and services offered in California, with English/Spanish names and the page for each. Optional filter by line: personal, commercial or service.","inputs":[{"name":"line","type":"string","required":false,"description":null}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":45},{"name":"get_quote_link","title":"How to get a quote","description":"Where a person can start a quote for a product: the right online quote page for that product (auto/SR-22, home/renters/condo, auto+home bundle), or the product page with a callback form, plus the phone number. Use it when the person prefers to finish the quote themselves.","inputs":[{"name":"language","type":"string","required":false,"description":null},{"name":"product","type":"string","required":true,"description":"Product id from list_products, e.g. auto, sr22, home, renters, business, workers_comp"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":110},{"name":"search_guides","title":"Search insurance guides","description":"Search Insurance City's California insurance guides and pages (contractor bonds, workers' comp, landlord DP-3, FAIR Plan, commercial costs, city pages). Returns titles, URLs and summaries.","inputs":[{"name":"limit","type":"integer","required":false,"description":null},{"name":"query","type":"string","required":true,"description":null}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":61},{"name":"request_callback","title":"Ask a licensed agent to contact me","description":"Send the person's contact request to a licensed Insurance City agent, who will call, text or email back (usually same business day). Only call this after the person explicitly asks to be contacted and confirms the details. Returns a reference code (VR-XXXXXX) the person can use with get_quote_status. Never include SSN, driver's license, bank or card numbers.","inputs":[{"name":"consent_to_contact","type":"boolean","required":true,"description":"Set true only after showing the person this text and getting a yes: 'Via Rapida Services / Insurance City (CA Insurance License #6003045) may call, text or email you at the phone and email you gave,…"},{"name":"email","type":"string","required":false,"description":null},{"name":"language","type":"string","required":false,"description":null},{"name":"name","type":"string","required":true,"description":"Person's full name"},{"name":"notes","type":"string","required":false,"description":"Short description: vehicles, current carrier/expiration, business type. No SSN/DL/bank/card numbers."},{"name":"phone","type":"string","required":false,"description":"US phone number (phone or email required)"},{"name":"product","type":"string","required":true,"description":"Product id from list_products"},{"name":"zip","type":"string","required":false,"description":"California ZIP code"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":330},{"name":"get_quote_questions","title":"Start a quote in chat","description":"Get the questions a licensed agent needs to quote a product. Ask them to the person conversationally (a few at a time is fine), then call submit_quote_request with their answers. Tell the person you are an AI assistant and that a licensed agent reviews and prices the quote. Never ask for SSN, driver's license numbers, date of birth, bank or card numbers.","inputs":[{"name":"language","type":"string","required":false,"description":null},{"name":"product","type":"string","required":true,"description":"Product id from list_products"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":103},{"name":"submit_quote_request","title":"Send the quote application to a licensed agent","description":"Send the person's answers and contact details to a licensed agent, who shops the request with our carriers and contacts them (usually same business day). Only call after the person reviewed their answers and agreed to be contacted. Returns a reference code (VR-XXXXXX); tell the person to keep it. No prices are given in chat and nothing is bound.","inputs":[{"name":"answers","type":"object","required":true,"description":"Map of question id (from get_quote_questions) to the person's answer."},{"name":"consent_to_contact","type":"boolean","required":true,"description":"The person reviewed the answers. Set true only after showing the person this text and getting a yes: 'Via Rapida Services / Insurance City (CA Insurance License #6003045) may call, text or email you…"},{"name":"email","type":"string","required":false,"description":null},{"name":"language","type":"string","required":false,"description":null},{"name":"name","type":"string","required":true,"description":null},{"name":"phone","type":"string","required":false,"description":null},{"name":"product","type":"string","required":true,"description":null},{"name":"zip","type":"string","required":false,"description":null}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":305},{"name":"get_quote_status","title":"Check a quote request","description":"Check where a quote or callback request stands, using the reference code (VR-XXXXXX) from submit_quote_request or request_callback and the last 4 digits of the phone number given with it. Returns the stage only (received, contacting, quoting, quote ready, sold, closed). No personal details are returned.","inputs":[{"name":"language","type":"string","required":false,"description":null},{"name":"phone_last4","type":"string","required":true,"description":"Last 4 digits of the phone number used on the request"},{"name":"reference","type":"string","required":true,"description":"Reference code, e.g. VR-7K2QX9"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":122}],"toolsTruncatedAtCapture":false,"diagnostics":{"capturedAt":"2026-11-05T00:42:07.000Z","track":"remote","endpoint":"https://myinsurancecity.com/mcp","declaredUrl":null,"truncated":false,"tls":{"outcome":"valid","label":"Valid","version":"TLS 1.3","cipherSuite":"TLS_AES_128_GCM_SHA256","chainError":null,"certificates":[{"subject":"CN=myinsurancecity.com","issuer":"CN=WE1,O=Google Trust Services,C=US","notBefore":"2026-09-24T09:31:18Z","notAfter":"2026-12-23T10:29:02Z","keyType":"ECDSA","keyBits":256,"isCa":false},{"subject":"CN=WE1,O=Google Trust 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83)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-30","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a18a42-064b-77e1-b80b-3780f60e5dc7"},{"id":"chg_01a17ff0-26e6-751e-bb4f-dcf70a087e79","kind":"score.total_changed","summary":"Trust score (81 → 82)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-28","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a17ff0-26e6-751e-bb4f-dcf70a087e79"},{"id":"chg_01a175a1-ef19-7a9c-a641-0e9cc5a297cd","kind":"score.total_changed","summary":"Trust score (80 → 81)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-26","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a175a1-ef19-7a9c-a641-0e9cc5a297cd"},{"id":"chg_01a16b55-1952-7321-bbf4-e33da6ec01aa","kind":"score.total_changed","summary":"Trust score (79 → 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79)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-21","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a15be0-d3b1-7711-ba16-23cda58203f3"},{"id":"chg_01a15196-7156-70ca-a700-46c45b6fd1bc","kind":"check.verdict","summary":"Schema quality (pass → fail)","materiality":"functional","direction":"regression","scoreDelta":null,"occurredOn":"2026-10-19","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a15196-7156-70ca-a700-46c45b6fd1bc"},{"id":"chg_01a15196-7156-7d20-aea2-09b9c72a94a6","kind":"check.verdict","summary":"MCP protocol (fail → pass)","materiality":"functional","direction":"improvement","scoreDelta":null,"occurredOn":"2026-10-19","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a15196-7156-7d20-aea2-09b9c72a94a6"},{"id":"chg_01a15196-7157-730c-b3fd-2a63477879c8","kind":"tool.description_changed","summary":"Tool 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reads","materiality":"security","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-19","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a15196-7159-700d-9201-35fb59e4277b"},{"id":"chg_01a15196-7159-7581-99e0-75cf1cfdc2a4","kind":"param.description_changed","summary":"“submit_quote_request” reworded the description of “consent_to_contact”","materiality":"cosmetic","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-19","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a15196-7159-7581-99e0-75cf1cfdc2a4"},{"id":"chg_01a15196-715a-74b6-a65f-e2e08ee0c790","kind":"tool.added","summary":"New tool “get_quote_status”","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-19","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a15196-715a-74b6-a65f-e2e08ee0c790"},{"id":"chg_01a15196-715a-7c1b-a1da-3185b6548b6f","kind":"server.version_changed","summary":"Server version (1.1.0 → 2.0.0)","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-19","url":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity#chg-chg_01a15196-715a-7c1b-a1da-3185b6548b6f"}],"truncated":true,"feedUrl":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity/changelog.json"},"links":{"html":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity","markdown":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity.md","changelogJson":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity/changelog.json","changelogRss":"https://verifymcp.io/servers/com-myinsurancecity-mcp/myinsurancecity.xml","external":[{"label":"Remote endpoint","href":"https://myinsurancecity.com/mcp"},{"label":"Website","href":"https://myinsurancecity.com/ai-assistants/"}]}}