Ask Kodiak MCP for AI. Vet insurance products and carrier appetite instantly.
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Ask Kodiak helps you search and vet commercial insurance products using AI. You can check which carriers are interested in specific industries or risks by looking at their appetite and classifications.
It tracks product details, company portfolios, and industry codes (NAICS) so you don't have to manually search through carrier portals.
What your AI can do
Get account check
Verifies the connection status of your Ask Kodiak account for continued use.
Get company products
Retrieves all commercial insurance products provided by a single, specific company.
Get product
Pulls comprehensive details and full appetite information for any listed insurance product.
Get suggested NAICS codes for any business description.
Find commercial insurance products based on criteria like state and required classifications.
Check which specific companies are willing to cover certain risks or industries.
List every single insurance product offered by a selected carrier.
Search and retrieve general NAICS code suggestions or lists of recognized classifications.
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Ask Kodiak: 7 Insurance Data Tools
These tools allow your agent to systematically list companies, find product details, suggest industry codes, and verify account status within the commercial insurance domain.
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Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Ask Kodiak on VinkiusGet Account Check
Verifies the connection status of your Ask Kodiak account for continued use.
Get Company Products
Retrieves all commercial insurance products provided by a single, specific company.
Get Product
Pulls comprehensive details and full appetite information for any listed insurance...
List Classifications
Allows you to search through and view recognized industry classifications (like...
List Companies
Provides a complete list of available insurance carriers or companies in the system.
List Products
Searches and lists commercial insurance products based on set eligibility criteria.
Suggest Naics
Gives potential NAICS code suggestions when you provide a business description query.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This connection provides 7 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.
Dealing with insurance data used to feel like archaeological excavation.
Right now, finding coverage means logging into multiple carrier portals. You check one tab for General Liability, then another for Workers' Comp. If you need to know if a competitor offers that same niche product, you have to manually search their site and sometimes even call them up. It’s clicking through dozens of dashboards just to piece together a risk profile.
With this MCP, you give your agent the request—for instance, 'Show me all carriers covering software development in New York.' Your agent pulls that data from Ask Kodiak, organizing the product details and carrier appetite right where you are. You get the answer without ever leaving your workflow.
Ask Kodiak: Structured Insurance Data Retrieval
Before this MCP, every time a client's industry changed, or a new product came out, you had to manually update your internal knowledge base. You were constantly copying and pasting codes and coverage details from disparate sources.
Now, when you use the Ask Kodiak tools, all that data is structured through the Vinkius catalog connection. It means every piece of intelligence—from `suggest_naics` results to specific product offerings—is instantly available for your agent to process.
What your AI can actually do with this
Finding the right coverage for a client is complicated. The rules change, and every carrier keeps its data locked down in proprietary portals. This MCP brings deep insurance intelligence straight into your agent. You can use natural language prompts to hunt for products across thousands of commercial offerings, checking eligibility by state or classification code.
Need to know if a specific industry—say, software development—is something carriers care about? You suggest the NAICS code and immediately see which companies have an appetite for that risk. The system lets you list all available insurance carriers and then pull up every product they offer. This entire workflow is managed through Vinkius's catalog, letting your agent do the heavy lifting so you can focus on the client pitch.
019d7553-13bc-72e0-83bb-fd770f2f268c Here's how it actually works
The bottom line is you get structured data on insurance products and carrier risk profiles without leaving your agent's interface.
Start by listing the companies you want to investigate, using list_companies.
Then, for a specific carrier, call get_company_products to pull up their entire product list and review general classification codes via list_classifications.
Finally, use list_products or get_product with criteria (like an NAICS code suggestion from suggest_naics) to pinpoint the exact coverage needed.
Who is this actually for?
This MCP is for anyone who spends time in the commercial underwriting lifecycle. If you’re an Underwriter stuck manually cross-referencing NAICS codes, or a Broker spending hours navigating dozens of carrier websites, this saves serious time.
You audit product details and check if a carrier has the right risk appetite for an unusual industry.
You search multiple carriers simultaneously to find the best product fit for a client's unique needs, avoiding manual portal logins.
You integrate structured commercial insurance data retrieval into an automated underwriting workflow.
What Changes When You Connect
Stop manually searching. You can use list_products to search thousands of commercial offerings based on state or classification criteria, getting results in a single prompt.
Never guess an industry code again. Use suggest_naics to get the correct NAICS codes for any business type, making your risk assessment accurate from step one.
Compare carriers quickly. After running list_companies, you can pull up every product offered by each carrier using get_company_products, side-by-side.
Deep dive on coverage details. Need to know exactly what's covered? Calling get_product gives you the full appetite and specifics for any single item in the catalog.
Audit classifications easily. The MCP lets you check general industry standards with list_classifications, making sure your risk evaluation is thorough.
See it in action
A client needs coverage but doesn't know the code.
The agent prompts, 'Suggest NAICS codes for a HVAC maintenance firm.' The tool suggests 541720. Next, the user uses list_products with that code to find relevant policies, solving the classification problem immediately.
Underwriting requires checking carrier limits.
The underwriter calls list_companies to see all available carriers. Then they use get_company_products on a specific name to vet if that company carries the necessary General Liability product.
Finding coverage for an unknown risk.
The user runs list_classifications first, narrows down the industry type, and then uses get_product with the refined details to see if any carrier has a matching appetite.
The honest tradeoffs
Treating it like a simple search engine
Just asking 'Find me good insurance for software.' This is too vague and gives no actionable data.
First, use suggest_naics to get the code (e.g., 541511). Then, run list_products using that specific NAICS code and your client's state.
Overlooking carrier breadth
Only checking one product page for a major company. You miss other key coverages.
Always start by listing the carriers with list_companies, then use get_company_products on that name to get a complete picture of their offerings.
Assuming product availability
Just asking about 'Cyber Risk' without confirming if any carrier actually sells it. Wasting time.
Run list_products with general criteria to confirm the product exists, and then use get_product for details.
When It Fits, When It Doesn't
Use this MCP when your job involves matching specific risk profiles (NAICS codes) or industries to available commercial insurance products. It’s necessary because you need data on carrier appetite—not just what product exists, but who sells it and under what conditions.
Don't use it if all you need is a general definition of an industry code; use a dedicated classification tool instead. Also, don't rely on it for tax or accounting advice; that falls outside its scope. If your task is simply to pull up a list of names without checking product details, then list_companies alone might suffice, but the full MCP gives you context.
Questions you might have
How do I use list_companies in Ask Kodiak? +
You run list_companies first. This gives you a comprehensive directory of every insurance carrier the platform tracks, so you know who to ask for coverage.
What is the difference between list_products and get_product? +
list_products lets you search broadly across many products using criteria like state. get_product, however, dives deep into one specific product to give you its full appetite and detailed coverage rules.
Can I find the NAICS code for a business type? Use suggest_naics. +
Yes, that’s exactly what suggest_naics does. Just provide a plain text query like 'Custom Software Development,' and it gives you accurate code suggestions.
How do I check all products from one company? +
You must first identify the company using list_companies. Then, use get_company_products on that name to pull up every product they sell.
Before I use list_products or get_company_products, how do I verify my connection using get_account_check? +
You run get_account_check first. This confirms your API credentials are active and properly linked to the Ask Kodiak platform. A successful response means you're good to go; otherwise, check your authentication details.
I found a product using list_products; how do I get deep risk appetite information for that specific item using get_product? +
The list_products tool gives you a searchable summary. To see the full underwriting detail, like carrier appetite and exceptions, run get_product. This pulls the complete data sheet for that insurance product.
What is the scope of industries I can search for using list_classifications? +
The list_classifications tool lets you browse and filter a comprehensive set of industry standards. You can narrow down your searches by specific economic sectors or geographic regions to refine your risk assessment.
If I need to check many products from one carrier, like using get_company_products repeatedly, is there a rate limit? +
Yes, API calls are subject to standard rate limits. When calling get_company_products multiple times in quick succession, implement a short delay (back-off) between requests to avoid service interruption.
How do I find my Ask Kodiak Group ID and API Key? +
Log in to your Ask Kodiak account, go to Company Settings, and you will find your Group ID and API Key listed in the API section.
What is a NAICS code? +
NAICS (North American Industry Classification System) is a standard used by Federal statistical agencies in classifying business establishments for the purpose of collecting, analyzing, and publishing statistical data related to the U.S. business economy.
Can I search for products by state? +
Yes, use the list_products tool and provide the two-letter state code (e.g., 'NY', 'CA') in the state parameter to filter results.
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