# io.tooloracle/insuranceoracle (remote · tooloracle.io)

InsuranceOracle - 12 insurance compliance tools: GDV, BaFin VAG, Solvency II, IDD.

- Trust score: 67/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-04

## Components

- remote · `tooloracle.io`: 67/100 (this document), [markdown](https://verifymcp.io/servers/io-tooloracle-insuranceoracle/insurance-mcp.md), [page](https://verifymcp.io/servers/io-tooloracle-insuranceoracle/insurance-mcp)

## Channel facts

- Endpoint: `https://tooloracle.io/insurance/mcp/`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## 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 2026-08-04.

- **Endpoint Security**: 66/100
  - 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 12 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 is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 71/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1039 tokens (~86/item across 12 items; 12 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 30/100
  - Stability observed for 9 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 40/100
  - Spec-recency check failed: implements MCP spec 2025-03-26; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http io-tooloracle-insuranceoracle https://tooloracle.io/insurance/mcp/
```

### Codex

```toml
[mcp_servers.io-tooloracle-insuranceoracle]
url = "https://tooloracle.io/insurance/mcp/"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "io-tooloracle-insuranceoracle": {
      "type": "remote",
      "url": "https://tooloracle.io/insurance/mcp/",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add io-tooloracle-insuranceoracle --url https://tooloracle.io/insurance/mcp/ --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  io-tooloracle-insuranceoracle:
    url: "https://tooloracle.io/insurance/mcp/"
```

### Other

```json
{
  "mcpServers": {
    "io-tooloracle-insuranceoracle": {
      "type": "http",
      "url": "https://tooloracle.io/insurance/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.

### 2026-08-03 (score 67, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-01 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 65, +1)

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

### 2026-07-30 (score 64, 0)

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

### 2026-07-29 (score 64, +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.

### 2026-07-28 (score 63, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 62, 0)

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

### 2026-07-26 (score 62)

First indexed and scored.

## MCP tools (12)

### `insurance_company` (~96 tokens)

Look up EU insurance company by name or LEI number. Returns GLEIF registration status, country, address, and Wikidata enrichment.

Input parameters:

- `country` (string): Country code filter: DE, FR, GB, NL (optional)
- `lei` (string): LEI code (alternative to name)
- `name` (string): Company name e.g. 'Allianz SE', 'AXA SA', 'Munich Re'

### `insurance_news` (~115 tokens)

Insurance industry news by topic. Topics: solvency, life, health, property, liability, auto, reinsurance, regulation, natcat, cyber, claims, dora.

Input parameters:

- `lang` (string): Language: de or en (default: de)
- `limit` (integer): Max articles 1-20 (default: 10)
- `topic` (string): Topic: solvency, life, health, property, natcat, cyber, claims, dora, regulation, reinsurance (default: solvency)

### `natcat_live` (~119 tokens)

Live natural catastrophe alerts worldwide from GDACS. Returns earthquakes, floods, cyclones, wildfires sorted by severity.

Input parameters:

- `country` (string): Filter by country name (optional)
- `event_type` (string): Filter by type: EQ (earthquake), FL (flood), TC (cyclone), VO (volcano), WF (wildfire) — empty for all
- `limit` (integer): Max events 1-50 (default: 20)
- `severity` (string): Filter severity: Red, Orange, Green

### `earthquake_risk` (~113 tokens)

Real-time earthquake data from USGS. Filter by time period, minimum magnitude, and proximity to a location.

Input parameters:

- `latitude` (number): Filter near this latitude
- `longitude` (number): Filter near this longitude
- `min_magnitude` (number): Minimum magnitude (default: 4.5)
- `period` (string): Time period: hour, day, week, month, significant_month (default: week)
- `radius_km` (number): Search radius in km (default: 500)

### `weather_risk` (~75 tokens)

7-day weather risk assessment for any location. Returns storm, flood, and wind risk with insurance recommendations.

Input parameters:

- `latitude` (number): Latitude (alternative to location)
- `location` (string): City or address e.g. 'Hamburg', 'Munich'
- `longitude` (number): Longitude (alternative to location)

### `natcat_history` (~55 tokens)

Historical natural catastrophe statistics for risk modeling. Significant events by type.

Input parameters:

- `event_type` (string): Event type: earthquake, flood, storm, fire (default: earthquake)
- `region` (string): Region filter (optional)

### `solvency_check` (~62 tokens)

Solvency II compliance news and GLEIF registration status for an insurer.

Input parameters:

- `company` (string): Insurance company name (optional — omit for general Solvency II news)
- `lang` (string): Language: de or en (default: de)

### `insurance_regulation` (~114 tokens)

EU and German insurance regulatory news and updates. Topics: general, bafin, eiopa, idd, gdpr, dora, ifrs17, sustainability, consumer.

Input parameters:

- `country` (string): Country: DE, EU (default: DE)
- `lang` (string): Language: de or en (default: de)
- `topic` (string): Topic: general, bafin, eiopa, idd, dora, ifrs17, gdpr, sustainability, consumer (default: general)

### `risk_score` (~77 tokens)

Combined location risk score (0-100) for underwriting: earthquake + weather/storm + NatCat proximity.

Input parameters:

- `latitude` (number): Latitude (alternative to location)
- `location` (string): City or address e.g. 'Tokyo', 'Hamburg', 'Los Angeles'
- `longitude` (number): Longitude (alternative to location)

### `insurance_glossary` (~106 tokens)

Explain insurance and Solvency II terms in German or English. Covers: SCR, MCR, ORSA, SFCR, IDD, LEI, NAT CAT, reinsurance, premium, DORA, IFRS 17.

Input parameters:

- `lang` (string): Response language: de or en (default: de)
- `term` (string): Term to explain e.g. 'SCR', 'Solvency II', 'ORSA', 'Elementarschadenversicherung'

### `claim_news` (~90 tokens)

Major insurance claim news by event type: storm, flood, earthquake, hail, fire, cyber.

Input parameters:

- `event_type` (string): Event type: storm, flood, earthquake, hail, fire, cyber, all (default: storm)
- `lang` (string): Language: de or en (default: de)
- `limit` (integer): Max articles 1-20 (default: 10)

### `health_check` (~17 tokens)

InsuranceOracle server status and backend connectivity check.

## Diagnostics

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

## Score history

- 2026-08-04: 67
- 2026-08-03: 67
- 2026-08-02: 66
- 2026-08-01: 66
- 2026-07-31: 65
- 2026-07-30: 64
- 2026-07-29: 64
- 2026-07-28: 63
- 2026-07-27: 62
- 2026-07-26: 62

## Links

- Remote endpoint: https://tooloracle.io/insurance/mcp/
- Repository: https://github.com/ToolOracle/insuranceoracle
- Changelog RSS feed: https://verifymcp.io/servers/io-tooloracle-insuranceoracle/insurance-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/io-tooloracle-insuranceoracle/insurance-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/io-tooloracle-insuranceoracle/insurance-mcp