CoverageShield MCP Server

Insurance coverage intelligence for AI assistants. Gives any AI model structured access to coverage requirements, common gaps, contract compliance data, and risk profiles for 16 US small business industries.

Self-contained. No API keys. No external calls. Works offline.

Installation

npx (no install needed)

npx coverageshield-mcp

Claude Code

claude mcp add coverageshield -- npx coverageshield-mcp

Claude Desktop

Add to claude_desktop_config.json:

{
  "mcpServers": {
    "coverageshield": {
      "command": "npx",
      "args": ["coverageshield-mcp"]
    }
  }
}

Tools

get_coverage_requirements

Get required insurance coverages and common gaps for a specific industry.

{ "industry": "construction", "state": "TX", "employees": 25 }

Returns required coverages with typical limits, common gaps with risk exposure and frequency, and a link to run a free coverage scan.

check_coverage_gap

Check whether a specific coverage type is commonly missing for a given industry.

{ "industry": "restaurant", "coverage_type": "liquor liability" }

Returns whether it's a known gap, the risk description, estimated exposure, and a specific recommendation.

get_contract_requirements

Get typical insurance requirements found in commercial contracts.

{ "contract_type": "subcontract", "industry": "construction" }

Supported contract types: subcontract, lease, vendor agreement, service agreement, government contract.

Returns coverage types, minimum limits, additional insured requirements, and required endorsements.

get_industry_risk_profile

Get a comprehensive risk profile for an industry.

{ "industry": "trucking", "state": "TX" }

Returns risk factors, regulatory requirements, top claims with average costs, and recommended coverages.

Supported Industries

• Construction / Contractors
• Restaurant / Food Service
• Transportation / Trucking
• Manufacturing
• Professional Services
• Healthcare / Medical
• Retail
• Auto Repair / Body Shops
• Plumbing / HVAC
• Electrical Contractors
• Cleaning Services
• Pest Control
• Security Services
• Home Services
• Lawn Care / Landscaping
• Cold Storage / Refrigerated Warehousing

Data

Based on CoverageShield's analysis of 2,200+ industry-specific coverage requirements. All data is hardcoded in the package -- no API calls, no authentication, no rate limits.

Disclaimer

This server provides general industry guidance, not insurance advice. Consult a licensed insurance professional for specific coverage decisions. CoverageShield is not an insurance broker or advisor.

About

CoverageShield.ai -- AI-powered risk management for SMBs. Independent coverage intelligence that reads policies, finds gaps, checks contracts, and provides actionable recommendations.

Free coverage scan: https://coverageshield.ai/free-scan

Powered by CoverageShield.ai -- The Risk Manager Your Business Can Actually Afford.