Title85/100
Umbrella consumer prefill handoff
The title clearly communicates the tool’s action and subject. Keep it concise.
Description91/100
Preferred umbrella MCP entry point when a shopper wants Coverage Cat to shop for, compare, or buy umbrella insurance and no operator Bearer [redacted] is present. On a cold start, call this before asking the shopper a questionnaire and assemble the fullest justified estimate from user-controlled context. Use canonical umbrella keys such as address.street/city/state/zip, license_state, license_number, approximate_asset_value or net_worth_numeric, desired_coverage_limit, required_coverage_e_limit, and vehicle_count or umbrella_details.motorized_vehicle_count. Do not send vehicles rows before submission. Stay on the same consumer-operated subset through `consumer_intake_issues`, `consumer_intake_patch`, `umbrella_consumer_select`, `umbrella_consumer_bind`, `umbrella_consumer_attach`, `umbrella_consumer_payment`, `umbrella_consumer_policy`, and `umbrella_consumer_service`. If you are rehearsing the shopper flow, set `sandbox: true` on this first prefill call only. That same consumer sandbox uid can then continue through the same shopper-safe flow. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Until later follow-up shows progress, tell the shopper the application is not submitted yet. Coverage Cat will not resume or expose a prior consumer umbrella draft based on email alone. Continue an existing consumer draft only through the issued uid plus the current hidden MCP session or latest intake_access_token handoff.
The description explains the capability, when to use it, and what to expect.
Inputs80/100
Remove validation rules already expressed in this field’s schema; describe its meaning and usage instead.
credit_consent_pending
Acknowledges that the shopper has not given soft-credit-check consent yet. Coverage Cat collects that consent on `umbrella_consumer_select`, after an umbrella offer is chosen.
Remove validation rules already expressed in this field’s schema; describe its meaning and usage instead.
field_estimates
Provenance rows for intake values you inferred rather than heard from the shopper. Each row names the inferred `field` path, its `source`, and a `confidence` of low, medium, or high. On the initial umbrella handoff, send rows only when each field path already matches a current umbrella review field.
Remove validation rules already expressed in this field’s schema; describe its meaning and usage instead.
idempotency_key
Retry key you generate for one logical umbrella_consumer_prefill request. If you retry after a timeout or transport failure, resend the identical arguments with the same idempotency_key. Coverage Cat replays the cached successful result for 24 hours and rejects a changed payload under the same key.
Remove validation rules already expressed in this field’s schema; describe its meaning and usage instead.
intake › current_auto_coverages
Band for the shopper's current underlying auto liability limits: `unsure` means I'm not sure; `500k/1m` means $500k/$1 Million/$100k or higher; `500k/500k` means $500k/$500k/$100k or $500k CSL; `300k/300k` means $250k/$500k/$100k or $300k/$300k/$100k or $300k CSL; `100k/300k` means $100k/$300k/$100k or lower. Choose the strongest band the shopper's actual limits fully satisfy. Underlying auto limits gate umbrella eligibility, so reserve `unsure` for limits the shopper genuinely does not know.
Remove validation rules already expressed in this field’s schema; describe its meaning and usage instead.
sandbox
Set true on this first prefill call to run a fully synthetic shopper rehearsal instead of a live application. The returned sandbox uid continues through the same consumer tool set.
Clear enough to supply this argument.
Annotations100/100
All four behavior hints are declared.
{
"readOnlyHint": false,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}Output schema78/100
The output schema explains the structured result.
View output schema
{
"type": "object",
"required": [
"uid",
"expires_at",
"review_summary",
"intake_access_token"
],
"properties": {
"uid": {
"type": "string",
"description": "Coverage Cat intake uid for MCP follow-up."
},
"sandbox": {
"type": "boolean",
"description": "True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow."
},
"expires_at": {
"type": "string",
"format": "date-time",
"description": "When the current consumer handoff expires."
},
"review_summary": {
"type": "object",
"required": [
"status"
],
"properties": {
"offers": {
"type": "array",
"items": {
"type": "object",
"properties": {
"address": {
"type": "object",
"properties": {
"zip": {
"type": "string"
},
"city": {
"type": "string"
},
"state": {
"type": "string"
},
"street": {
"type": "string"
}
},
"additionalProperties": false
},
"carrier": {
"type": "string"
},
"deductible": {
"type": "number"
},
"is_estimate": {
"type": "boolean"
},
"price_range": {
"type": "object",
"properties": {
"low": {
"type": "number"
},
"high": {
"type": "number"
}
},
"additionalProperties": false
},
"recommended": {
"type": "boolean"
},
"annual_price": {
"type": "number"
},
"quote_number": {
"type": "string"
},
"coverage_limit": {
"type": "string"
},
"policy_subtype": {
"type": "string"
},
"selection_token": {
"type": "string"
},
"coverage_summary": {
"type": "object",
"description": "Homeowners or umbrella coverage details Coverage Cat can safely summarize.",
"additionalProperties": true
},
"um_uim_selection": {
"type": "object",
"description": "Optional excess UM/UIM election details for this offer.",
"additionalProperties": true
},
"dwelling_coverage": {
"type": "number"
},
"sample_policy_url": {
"type": "string",
"format": "uri"
},
"personal_liability": {
"type": "number"
},
"selection_guidance": {
"type": "object",
"description": "Offer-specific same-reply requirements and guidance.",
"additionalProperties": true
},
"minimum_auto_limits": {
"type": "object",
"description": "Underlying auto-limit requirements for this offer.",
"additionalProperties": true
},
"policy_subtype_display": {
"type": "string"
}
},
"additionalProperties": false
}
},
"policy": {
"type": "object",
"properties": {
"state": {
"enum": [
"bound",
"cancelled"
],
"type": "string"
},
"carrier": {
"type": "string"
},
"cancelled_at": {
"type": "string",
"format": "date"
},
"policy_number": {
"type": "string"
},
"effective_date": {
"type": "string",
"format": "date"
},
"coverage_summary": {
"type": "object",
"description": "Carrier-confirmed policy coverage details Coverage Cat can safely return.",
"additionalProperties": true
},
"effective_period": {
"type": "object",
"properties": {
"ends_on": {
"type": "string",
"format": "date"
},
"starts_on": {
"type": "string",
"format": "date"
}
},
"additionalProperties": false
},
"cancellation_note": {
"type": "string"
},
"confirmation_timestamp": {
"type": "string",
"format": "date-time"
}
},
"additionalProperties": false
},
"review": {
"type": "object",
"description": "Structured review card or selected-offer review block.",
"additionalProperties": true
},
"schema": {
"type": "object",
"description": "Supplemental schema hints for homeowners review payloads.",
"additionalProperties": true
},
"status": {
"enum": [
"abandoned",
"blocked",
"bound",
"cancelled",
"chosen",
"credit_consent_pending",
"credit_consent_required",
"dev_success",
"documents_needed",
"documents_pending_review",
"email_sent",
"in_review",
"ineligible",
"info_requested",
"needs_more_info",
"needs_more_info_to_bind",
"no_policy",
"no_chosen_offer",
"no_quotes",
"no_selection",
"ok",
"payment_collection_ready",
"payment_needed",
"pending",
"pending_quotes",
"queued",
"quote_rate_limited",
"quoted",
"ready_for_review",
"ready_for_submission",
"ready_to_finalize",
"review_pending",
"service_preview",
"service_requested",
"sandbox_unsupported",
"stale_selection",
"verifying_documents",
"waiting_on_carrier",
"waiting_on_documents",
"waiting_on_payment"
],
"type": "string"
},
"sandbox": {
"type": "boolean",
"description": "True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow."
},
"support": {
"type": "object",
"properties": {
"email": {
"type": "string"
},
"phone": {
"type": "string"
},
"contact_url": {
"type": "string",
"format": "uri",
"description": "Coverage Cat support route for billing, cancellations, and quote follow-up."
}
},
"additionalProperties": false
},
"uploaded": {
"type": "array",
"items": {
"type": "object",
"properties": {
"type": {
"type": "string"
},
"filename": {
"type": "string"
}
},
"additionalProperties": false
}
},
"documents": {
"type": "array",
"items": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"type": {
"type": "string"
},
"label": {
"type": "string"
},
"content_type": {
"type": "string"
},
"download_url": {
"type": "string",
"format": "uri",
"description": "Short-lived browser continuation for this policy document."
}
},
"additionalProperties": false
}
},
"offers_url": {
"type": "string",
"format": "uri",
"description": "Coverage Cat browser URL for the selected offer or offer-tracking page."
},
"payment_ui": {
"type": "object",
"properties": {
"mode": {
"type": "string"
},
"availability": {
"enum": [
"ready",
"unknown",
"unsupported"
],
"type": "string"
},
"fallback_reason": {
"type": "string"
}
},
"additionalProperties": false
},
"next_action": {
"type": "object",
"description": "A structured hint for the next allowed tool or endpoint action.",
"additionalProperties": true
},
"payment_url": {
"type": "string",
"format": "uri",
"description": "Coverage Cat browser URL for secure payment fallback."
},
"post_choose": {
"type": "object",
"description": "Structured post-choose state after a quoted umbrella offer is selected.",
"additionalProperties": true
},
"conversation": {
"type": "object",
"properties": {
"messages": {
"type": "array",
"items": {
"type": "object",
"properties": {
"text": {
"type": "string"
},
"medium": {
"enum": [
"email",
"app",
"sms"
],
"type": "string"
},
"subject": {
"type": "string"
},
"direction": {
"enum": [
"incoming",
"outgoing"
],
"type": "string"
},
"timestamp": {
"type": "string",
"format": "date-time"
},
"message_id": {
"type": "integer"
},
"author_label": {
"type": "string"
},
"delivery_state": {
"enum": [
"received",
"queued",
"sent"
],
"type": "string"
}
},
"additionalProperties": false
}
},
"reply_via": {
"type": "string"
},
"reply_pending": {
"type": "boolean"
},
"reply_supported": {
"type": "boolean"
},
"reply_to_message_id": {
"type": "integer"
}
},
"additionalProperties": false
},
"review_items": {
"type": "array",
"items": {
"type": "object",
"properties": {
"enum": {
"type": "array",
"items": {
"type": "string"
}
},
"path": {
"type": "array",
"items": {
"type": [
"string",
"integer"
]
}
},
"label": {
"type": "string"
},
"number": {
"type": "integer"
},
"description": {
"type": "string"
},
"display_value": {
"type": "string"
},
"suggested_value": {}
},
"additionalProperties": false
}
},
"review_token": {
"type": "string",
"description": "Opaque review token for delegated review-style submit paths."
},
"known_summary": {
"type": "object",
"description": "Structured facts Coverage Cat can safely summarize at this stage.",
"additionalProperties": true
},
"next_question": {
"type": "object",
"description": "The current shopper-owned question bundle or bind-stage question.",
"additionalProperties": true
},
"offer_summary": {
"type": "object",
"properties": {
"quote_count": {
"type": "integer"
},
"cheapest_carrier": {
"type": "string"
},
"recommended_carrier": {
"type": "string"
},
"cheapest_annual_premium": {
"type": "number"
},
"recommended_annual_premium": {
"type": "number"
}
},
"additionalProperties": false
},
"payment_setup": {
"type": "object",
"properties": {
"usage": {
"type": "string"
},
"provider": {
"type": "string"
},
"environment": {
"enum": [
"test",
"live"
],
"type": "string"
},
"setup_intent_id": {
"type": "string"
},
"payment_method_types": {
"type": "array",
"items": {
"type": "string"
}
}
},
"additionalProperties": false
},
"preview_token": {
"type": "string",
"description": "Opaque bind-preview token for the next homeowners bind confirmation."
},
"missing_fields": {
"type": "array",
"items": {
"type": "object",
"description": "Structured missing-value hints for homeowners pre-submit review.",
"additionalProperties": true
},
"description": "Structured missing-value hints for homeowners pre-submit review."
},
"payment_status": {
"type": "object",
"properties": {
"state": {
"type": "string"
},
"timing": {
"type": "string"
},
"channel": {
"type": "string"
},
"provider": {
"type": "string"
},
"destination_hint": {
"type": "string"
},
"payment_intent_id": {
"type": "string"
},
"payment_method_saved_at": {
"type": "string",
"format": "date-time"
},
"customer_owned_inbox_required": {
"type": "boolean"
}
},
"additionalProperties": false
},
"pending_fields": {
"type": "array",
"items": {
"type": "object",
"description": "Structured missing-value hints for umbrella pre-submit review.",
"additionalProperties": true
},
"description": "Structured missing-value hints for umbrella pre-submit review."
},
"selected_offer": {
"type": "object",
"properties": {
"address": {
"type": "object",
"properties": {
"zip": {
"type": "string"
},
"city": {
"type": "string"
},
"state": {
"type": "string"
},
"street": {
"type": "string"
}
},
"additionalProperties": false
},
"carrier": {
"type": "string"
},
"deductible": {
"type": "number"
},
"is_estimate": {
"type": "boolean"
},
"price_range": {
"type": "object",
"properties": {
"low": {
"type": "number"
},
"high": {
"type": "number"
}
},
"additionalProperties": false
},
"recommended": {
"type": "boolean"
},
"annual_price": {
"type": "number"
},
"quote_number": {
"type": "string"
},
"coverage_limit": {
"type": "string"
},
"policy_subtype": {
"type": "string"
},
"selection_token": {
"type": "string"
},
"coverage_summary": {
"type": "object",
"description": "Homeowners or umbrella coverage details Coverage Cat can safely summarize.",
"additionalProperties": true
},
"um_uim_selection": {
"type": "object",
"description": "Optional excess UM/UIM election details for this offer.",
"additionalProperties": true
},
"dwelling_coverage": {
"type": "number"
},
"sample_policy_url": {
"type": "string",
"format": "uri"
},
"personal_liability": {
"type": "number"
},
"selection_guidance": {
"type": "object",
"description": "Offer-specific same-reply requirements and guidance.",
"additionalProperties": true
},
"minimum_auto_limits": {
"type": "object",
"description": "Underlying auto-limit requirements for this offer.",
"additionalProperties": true
},
"policy_subtype_display": {
"type": "string"
}
},
"additionalProperties": false
},
"uploaded_count": {
"type": "integer"
},
"field_estimates": {
"type": "array",
"items": {
"type": "object",
"description": "Coverage Cat estimate provenance metadata for reviewed values.",
"additionalProperties": true
}
},
"service_preview": {
"type": "object",
"properties": {
"reason": {
"type": "string"
},
"status": {
"enum": [
"preview"
],
"type": "string"
},
"details": {
"type": "string"
},
"uncertainty": {
"type": "string"
},
"request_type": {
"enum": [
"policy_cancellation",
"refund_request",
"support_case"
],
"type": "string"
},
"action_summary": {
"type": "string"
},
"billing_effect": {
"type": "string"
},
"coverage_effect": {
"type": "string"
},
"approval_required": {
"type": "boolean"
},
"carrier_conditions": {
"type": "array",
"items": {
"type": "string"
}
},
"estimated_refund_status": {
"enum": [
"not_applicable",
"unknown_pending_review"
],
"type": "string"
},
"requested_effective_date": {
"type": "string",
"format": "date"
}
},
"additionalProperties": false
},
"service_request": {
"type": "object",
"properties": {
"reason": {
"type": "string"
},
"status": {
"enum": [
"pending_review",
"completed"
],
"type": "string"
},
"details": {
"type": "string"
},
"request_id": {
"type": "string"
},
"uncertainty": {
"type": "string"
},
"request_type": {
"enum": [
"policy_cancellation",
"refund_request",
"support_case"
],
"type": "string"
},
"requested_at": {
"type": "string",
"format": "date-time"
},
"final_outcome": {
"type": "object",
"description": "Final carrier or billing outcome once Coverage Cat can confirm it.",
"additionalProperties": true
},
"action_summary": {
"type": "string"
},
"billing_effect": {
"type": "string"
},
"coverage_effect": {
"type": "string"
},
"carrier_conditions": {
"type": "array",
"items": {
"type": "string"
}
},
"estimated_refund_status": {
"enum": [
"not_applicable",
"unknown_pending_review"
],
"type": "string"
},
"requested_effective_date": {
"type": "string",
"format": "date"
}
},
"additionalProperties": false
},
"purchase_preview": {
"type": "object",
"properties": {
"price": {
"type": "object",
"properties": {
"currency": {
"type": "string"
},
"annual_premium": {
"type": "number"
},
"payment_method": {
"type": "string"
}
},
"additionalProperties": false
},
"status": {
"type": "string"
},
"uncertainty": {
"type": "string"
},
"action_summary": {
"type": "string"
},
"effective_date": {
"type": "string",
"format": "date"
},
"payment_timing": {
"type": "string"
},
"coverage_summary": {
"type": "object",
"description": "Coverage details tied to the current previewed offer.",
"additionalProperties": true
},
"effective_period": {
"type": "object",
"properties": {
"ends_on": {
"type": "string",
"format": "date"
},
"starts_on": {
"type": "string",
"format": "date"
}
},
"additionalProperties": false
},
"approval_required": {
"type": "boolean"
},
"carrier_conditions": {
"type": "array",
"items": {
"type": "string"
}
}
},
"additionalProperties": false
},
"response_summary": {
"type": "string"
},
"review_estimates": {
"type": "array",
"items": {
"type": "object",
"description": "Coverage Cat estimate provenance metadata for reviewed values.",
"additionalProperties": true
}
},
"service_requests": {
"type": "array",
"items": {
"type": "object",
"properties": {
"reason": {
"type": "string"
},
"status": {
"enum": [
"pending_review",
"completed"
],
"type": "string"
},
"details": {
"type": "string"
},
"request_id": {
"type": "string"
},
"uncertainty": {
"type": "string"
},
"request_type": {
"enum": [
"policy_cancellation",
"refund_request",
"support_case"
],
"type": "string"
},
"requested_at": {
"type": "string",
"format": "date-time"
},
"final_outcome": {
"type": "object",
"description": "Final carrier or billing outcome once Coverage Cat can confirm it.",
"additionalProperties": true
},
"action_summary": {
"type": "string"
},
"billing_effect": {
"type": "string"
},
"coverage_effect": {
"type": "string"
},
"carrier_conditions": {
"type": "array",
"items": {
"type": "string"
}
},
"estimated_refund_status": {
"enum": [
"not_applicable",
"unknown_pending_review"
],
"type": "string"
},
"requested_effective_date": {
"type": "string",
"format": "date"
}
},
"additionalProperties": false
}
},
"agent_instructions": {
"type": "array",
"items": {
"type": "string"
}
},
"poll_after_seconds": {
"type": "integer"
},
"selection_guidance": {
"type": "object",
"description": "Guidance for completing an offer choice in one shopper-facing reply.",
"additionalProperties": true
},
"compare_details_url": {
"type": "string",
"format": "uri",
"description": "Coverage Cat browser URL for compare-details follow-up."
},
"notification_channel": {
"type": "object",
"properties": {
"role": {
"type": "string"
},
"type": {
"type": "string"
},
"events": {
"type": "array",
"items": {
"type": "string"
}
},
"registered": {
"type": "boolean"
},
"destination_hint": {
"type": "string"
},
"customer_owned_inbox_required": {
"type": "boolean"
}
},
"additionalProperties": false
},
"user_action_required": {
"type": "string"
},
"application_submitted": {
"type": "boolean"
},
"required_upload_types": {
"type": "array",
"items": {
"type": "string"
}
},
"credit_consent_question": {
"type": "string"
},
"payment_collection_supported": {
"type": "boolean"
}
},
"description": "Current non-authoritative pre-submit checkpoint the agent may summarize before continuing in chat or opening a browser fallback. Unless a later follow-up response shows quote progress, treat this application as not submitted yet. If any shown value is estimated, mark that bullet or value with `*`, include the short note `* = estimated` once above and once below the list, and do not prefix every estimated line with `[Estimated]`.",
"additionalProperties": false
},
"intake_access_token": {
"type": "string",
"description": "Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve Coverage Cat's hidden shopper session. Never display it to the shopper."
}
},
"additionalProperties": false
}