Insurance API

Manage insurance policies, premiums, and renewals via the API.

Overview#

The Insurance module covers the mandatory and supplementary syndicate policies: building, liability, directors & officers (D&O), etc.

MCP tool	Description	Scope
`list_insurance_policies`	List policies	`read:finances`
`create_insurance_policy`	Create a policy	`write:finances`
`update_insurance_policy`	Update a policy	`write:finances`
`delete_insurance_policy`	Archive a policy	`write:finances`

Claims are handled by a separate module: see list_claims, create_claim, etc.

InsurancePolicy object#

{
  id: string;
  insurer: string;                    // e.g. "Intact Insurance"
  policyNumber: string;
  type: "building" | "liability" | "d-and-o" | "equipment-breakdown" | "cyber" | "other";
  coverageAmount: number;             // CAD
  deductible: number;                 // CAD
  annualPremium: number;              // CAD
  effectiveDate: string;              // ISO 8601
  expiryDate: string;                 // ISO 8601
  broker: string | null;
  notes: string | null;
  documentAttachmentId: string | null; // Policy PDF
  renewalReminder: boolean;            // true = email 60 days before expiry
  createdAt: string;
  updatedAt: string;
}

`create_insurance_policy`#

Parameters#

Parameter	Type	Required	Description
`insurer`	string	✅	Insurer name
`policyNumber`	string	✅	Policy number
`type`	string	✅	One of the 6 types
`coverageAmount`	number	✅	Total coverage
`deductible`	number	✅	Deductible
`annualPremium`	number	✅	Annual premium
`effectiveDate`	string	✅

Example#

{
  "name": "create_insurance_policy",
  "arguments": {
    "insurer": "Intact Insurance",
    "policyNumber": "IC-2026-445712",
    "type": "building",
    "coverageAmount": 12500000,
    "deductible": 25000,
    "annualPremium": 18450,
    "effectiveDate": "2026-01-01",
    "expiryDate": "2027-01-01",
    "broker": "Aon Canada"
  }
}

Mandatory coverage (Bill 16)#

Since April 1, 2022, Bill 16 requires:

Building insurance — replacement value (assessed by a licensed appraiser every 5 years)
Civil liability — minimum $2M (recommended $5M for larger syndicates)
Directors & Officers (D&O) — minimum $1M
Self-insurance fund — must cover the deductible

The syndicate must demonstrate at least once a year at the AGM that these policies are in force. Insurance certificates are mandatory documents in the compliance file.

Calculate replacement value#

{
  "name": "calculate_replacement_value",
  "arguments": {
    "buildingAreaSqFt": 48000,
    "year": 2026,
    "quality": "standard"  // "basic" | "standard" | "premium"
  }
}

Syndic+ uses Quebec construction rates (MAMH 2026) to estimate: ≈ $275/sq ft for standard construction.

Note: the estimate is indicative — a licensed appraiser is required for the official value.

Automatic renewal reminders#

Enable renewalReminder: true to receive:

Email 60 days before expiry
Email 30 days before with red alert
Email 7 days before with critical notification

If the policy expires without renewal, the Compliance dashboard turns red automatically.