# Ask Kodiak MCP > 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. ## Overview - **Category:** finance-accounting - **Price:** Free - **Tags:** commercial-insurance, underwriting, risk-assessment, naics-classification, carrier-appetite ## Description 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. ## Tools ### 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. ### list_classifications Allows you to search through and view recognized industry classifications (like NAICS). ### 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. ## Prompt Examples **Prompt:** ``` List insurance products for NAICS code '541511' in New York. ``` **Response:** ``` I've retrieved 5 insurance products matching your criteria, including 'Technology Professional Liability' and 'Cyber Risk Protection' from major carriers. ``` **Prompt:** ``` Suggest NAICS codes for a 'Software Development' business. ``` **Response:** ``` Based on 'Software Development', the top suggestions are: 541511 (Custom Computer Programming Services) and 541512 (Computer Systems Design Services). ``` **Prompt:** ``` Show me all products offered by carrier 'The Hartford'. ``` **Response:** ``` The Hartford offers 12 commercial products in Ask Kodiak, including General Liability, Workers' Compensation, and Commercial Auto. ``` ## Capabilities ### Identify relevant industry codes Get suggested NAICS codes for any business description. ### Search a product catalog Find commercial insurance products based on criteria like state and required classifications. ### Determine carrier risk appetite Check which specific companies are willing to cover certain risks or industries. ### View company product portfolios List every single insurance product offered by a selected carrier. ### Access industry classification data Search and retrieve general NAICS code suggestions or lists of recognized classifications. ## Use Cases ### 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. ## Benefits - 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. ## How It Works The bottom line is you get structured data on insurance products and carrier risk profiles without leaving your agent's interface. 1. Start by listing the companies you want to investigate, using `list_companies`. 2. Then, for a specific carrier, call `get_company_products` to pull up their entire product list and review general classification codes via `list_classifications`. 3. Finally, use `list_products` or `get_product` with criteria (like an NAICS code suggestion from `suggest_naics`) to pinpoint the exact coverage needed. ## Frequently Asked Questions **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.