# QueryLines (remote · api.querylines.com)

Surplus lines market data, per query. U.S. E&S: premium, financials, litigation, catastrophe.

- Trust score: 57/100 (low)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `api.querylines.com`: 57/100 (this document), [markdown](https://verifymcp.io/servers/com-querylines-mcp/api.md), [page](https://verifymcp.io/servers/com-querylines-mcp/api)

## Channel facts

- Endpoint: `https://api.querylines.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.3.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 40 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS not yet verified: we couldn't determine whether a plaintext access path exists.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 66/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 3926 tokens (~98/item across 40 items; 40 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 67/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http com-querylines-mcp https://api.querylines.com/mcp
```

### Codex

```toml
[mcp_servers.com-querylines-mcp]
url = "https://api.querylines.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-querylines-mcp": {
      "type": "remote",
      "url": "https://api.querylines.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-querylines-mcp --url https://api.querylines.com/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-querylines-mcp:
    url: "https://api.querylines.com/mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-querylines-mcp": {
      "type": "http",
      "url": "https://api.querylines.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-02 (score 57, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 56, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 56, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-29 (score 55, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 54, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 53)

First indexed and scored.

## MCP tools (40)

### `get_premium_sample` (~117 tokens)

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.

Input parameters:

- `state` (string)

### `list_lines` (~36 tokens)

List the coverage line taxonomy (source codes, names, normalized categories) available for a state. Free.

Input parameters:

- `state` (string, required)

### `get_coverage` (~33 tokens)

Report which states, date ranges, and granularities (month/quarter/half/year) have data available. Free.

### `get_eligibility_sample` (~52 tokens)

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.

### `get_citizens_sample` (~51 tokens)

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.

### `list_carrier_lines` (~61 tokens)

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.

### `get_carriers_sample` (~60 tokens)

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.

### `get_premium` (~96 tokens)

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.

Input parameters:

- `county` (string)
- `from` (string)
- `granularity` (string)
- `line` (string)
- `state` (string, required)
- `to` (string)

### `get_summary` (~53 tokens)

Year-over-year premium and policy count summary for a state and year. $0.10 per query. Mirrors GET /v1/premium/summary.

Input parameters:

- `state` (string, required)
- `year` (integer, required)

### `get_top_insurers` (~91 tokens)

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.

Input parameters:

- `period` (string, required)
- `state` (string, required)

### `compare_states` (~72 tokens)

Compare premium/policy count series across multiple states side-by-side. $0.50 per query. Mirrors GET /v1/compare.

Input parameters:

- `from` (string)
- `granularity` (string)
- `line` (string)
- `states` (array, required)
- `to` (string)

### `check_eligibility` (~107 tokens)

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. Mirrors GET /v1/eligibility.

Input parameters:

- `changes_since` (string)
- `entity_type` (string)
- `insurer` (string)
- `limit` (integer)
- `state` (string)

### `get_citizens_pif` (~115 tokens)

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.

Input parameters:

- `county` (string)
- `from` (string)
- `granularity` (string)
- `product_line` (string)
- `split` (string)
- `to` (string)

### `get_citizens_depopulation` (~109 tokens)

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.

Input parameters:

- `company` (string)
- `detail` (boolean)
- `from` (integer)
- `to` (integer)
- `year` (integer)

### `get_top_carriers` (~124 tokens)

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.

Input parameters:

- `limit` (integer)
- `line` (string)
- `scope` (string)
- `state` (string)
- `year` (integer)

### `get_carrier_profile` (~106 tokens)

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.

Input parameters:

- `code` (string, required)
- `line` (string)
- `state` (string)

### `compare_carrier_states` (~97 tokens)

One carrier's footprint across states for a line and year: per-state rank/dpw/market_share/YoY, plus the countrywide reference row. $0.50 per query -- the cross-state differentiator, mirrors compare_states. Mirrors GET /v1/carriers/footprint.

Input parameters:

- `code` (string, required)
- `line` (string)
- `states` (array)
- `year` (integer)

### `list_cat_events` (~106 tokens)

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.

Input parameters:

- `limit` (integer)
- `peril` (string)
- `state` (string)
- `year` (integer)

### `get_cat_sample` (~49 tokens)

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.

### `get_cat_counties` (~94 tokens)

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.

Input parameters:

- `event` (string, required)
- `state` (string)

### `get_cat_exposure` (~100 tokens)

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.

Input parameters:

- `event` (string, required)
- `state` (string)

### `get_cat_impact` (~105 tokens)

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.

Input parameters:

- `event` (string, required)
- `state` (string)

### `get_hazard_sample` (~53 tokens)

Free sample of the natural-hazard risk dataset (FEMA National Risk Index): Florida's highest-risk counties (composite) plus the surplus-lines premium-overlay headline, and the perils/states available. Free.

### `get_hazard` (~116 tokens)

County natural-hazard risk scores for a state and peril (FEMA National Risk Index): Expected Annual Loss ($), EAL/Risk scores (0-100) and ratings, ranked by loss. `peril` is composite (default) or one of 18 hazards (wildfire, coastal_flood, hurricane, earthquake, ...). $0.10 per query. Free discovery: /v1/hazard/sample.

Input parameters:

- `limit` (integer)
- `peril` (string)
- `state` (string, required)

### `get_hazard_premium` (~97 tokens)

Premium overlay: a state's latest annual county-level surplus-lines premium alongside each county's FEMA hazard Expected Annual Loss for a peril, ranked by loss -- which counties carry the risk, and the E&S premium riding on it. `state` defaults FL (the only state with county premium today). $0.50 per query.

Input parameters:

- `limit` (integer)
- `peril` (string)
- `state` (string)

### `get_solvency_sample` (~55 tokens)

Free sample of the multi-state carrier-distress dataset: headline counts plus a few recent liquidations and recent enforcement fines. Free -- the discovery bait for /v1/solvency and /v1/enforcement.

### `get_carrier_solvency` (~123 tokens)

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.

Input parameters:

- `insurer` (string)
- `limit` (integer)
- `state` (string)
- `status` (string)

### `list_enforcement_actions` (~139 tokens)

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.

Input parameters:

- `action_type` (string)
- `insurer` (string)
- `limit` (integer)
- `state` (string)
- `year` (integer)

### `get_rate_filings_sample` (~88 tokens)

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.

### `get_rate_filings` (~198 tokens)

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.

Input parameters:

- `from` (string)
- `insurer` (string)
- `limit` (integer)
- `line` (string)
- `min_change` (number)
- `state` (string)
- `to` (string)

### `get_rate_activity` (~143 tokens)

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.

Input parameters:

- `from` (string)
- `granularity` (string)
- `line` (string)
- `states` (array)
- `to` (string)

### `get_rates_vs_premium` (~214 tokens)

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.

Input parameters:

- `from` (string)
- `granularity` (string)
- `lag` (integer)
- `line` (string)
- `state` (string)
- `to` (string)

### `get_syndicate_sample` (~65 tokens)

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.

### `get_syndicate` (~114 tokens)

How is a Lloyd's of London syndicate performing? Look up a syndicate's capacity and Lloyd's estimated result forecast (worst/best case % on capacity, by year of account) plus its US surplus-lines eligibility, or browse syndicates by managing agent. $0.10 per query. Mirrors GET /v1/syndicates. Free discovery: /v1/syndicates/sample.

Input parameters:

- `limit` (integer)
- `managing_agent` (string)
- `syndicate` (string)

### `get_financials_sample` (~92 tokens)

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. Free -- the discovery bait for /v1/financials, /v1/financials/reinsurers, and /v1/financials/distress.

### `get_carrier_financials` (~126 tokens)

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.

Input parameters:

- `insurer` (string)
- `naic` (string)
- `year` (integer)

### `get_financials_reinsurers` (~103 tokens)

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.

Input parameters:

- `insurer` (string)
- `naic` (string)

### `get_financials_distress` (~106 tokens)

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.

Input parameters:

- `limit` (integer)
- `year` (integer)

### `get_litigation_sample` (~58 tokens)

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.

### `get_litigation_metrics` (~98 tokens)

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.

Input parameters:

- `from` (integer)
- `to` (integer)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-querylines-mcp/api#diagnostics

## Score history

- 2026-08-03: 57
- 2026-08-02: 57
- 2026-08-01: 56
- 2026-07-31: 56
- 2026-07-30: 56
- 2026-07-29: 55
- 2026-07-28: 54
- 2026-07-27: 54
- 2026-07-26: 53

## Links

- Remote endpoint: https://api.querylines.com/mcp
- Website: https://querylines.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-querylines-mcp/api/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-querylines-mcp/api/changelog.json
- HTML version of this page: https://verifymcp.io/servers/com-querylines-mcp/api