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BusinessInsure

Small-business insurance coverage types explained, plus a rule-based needs self-assessment

Unify Dynamics LLC

Documentation
Tools5read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent

Try asking

Real questions, and the tools your agent calls to answer them.

What's the difference between general liability and E&O?
Tools called
coverage_type_glossary
What insurance does a restaurant typically need?
Tools called
recommended_coverage_by_business_type
I have a consulting business with 3 employees and handle client financial data — what insurance should I look into?
Tools called
insurance_needs_assessment
Is workers' comp required in every state?
Tools called
workers_comp_basics
What does claims-made mean?
Tools called
insurance_terms_glossary

About

BusinessInsure puts common small-business insurance coverage types behind one connector, hand-curated and fully local — nothing fetched, nothing stored. coverage_type_glossary explains general liability, professional liability (E&O), workers' compensation (with real state-requirement-varies framing), commercial property, cyber liability, and business interruption. recommended_coverage_by_business_type maps a business type (consulting, retail, restaurant, e-commerce, construction, software/SaaS, manufacturing, freelancer) to commonly-needed coverage with reasoning. insurance_needs_assessment computes a rule-based recommendation from specific yes/no facts about a business (employees, customer data, professional advice, physical location, physical products, vehicles). workers_comp_basics explains how much workers'-comp requirements vary by state. insurance_terms_glossary defines premium, deductible, claims-made vs. occurrence, and more. General educational information, not insurance advice or a quote, and not a substitute for a licensed insurance professional.

Sources: Computed locally / hand-curated small-business-insurance educational reference (coverage-type explanations, business-type-to-coverage mapping, needs-assessment rule set, glossaries); fully local, zero upstream calls. General education, not insurance advice or a quote.

Privacy

The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.

Data not collectedNo account, no profile, no stored prompts or results.
Privacy policyTerms

What it can do

5 tools, grouped by job. Every one is read-only or compute-only.

OpenAPI
Coverage types2 tools
  • Coverage type glossaryExplains the core small-business insurance coverage types — general liability, professional liability (Errors & Omissions), workers' compensation…
  • Workers comp basicsExplains workers' compensation and how much its requirements genuinely vary by state — employee-count thresholds, state-fund vs.
Recommendations2 tools
  • Recommended coverage by business typeMaps a business type to the coverage types commonly needed for it, with reasoning — e.g. a service business commonly needs E&O, a business with…
  • Insurance needs assessmentA rule-based coverage recommendation built from specific yes/no facts about a business, rather than a single business-type label — useful for a…
Reference1 tools
  • Insurance terms glossaryDefinitions of general insurance terms — premium, deductible, liability limit, claims-made vs.

Information

PublisherUnify Dynamics LLC
CategoryMoney & business
LanguagesEnglish
Built forUnited States
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpointhttps://businessinsure.connectorbay.com/mcp
REST APIopenapi.json
SupportGet help · Status
CountryWorldwide

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Documentation

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What BusinessInsure is for

"What's the difference between general liability and E&O", "does a consulting business need workers' comp", "what insurance does a restaurant typically need", "is workers' comp required in every state" — the plain-language questions a small-business owner has before ever calling an insurance agent. BusinessInsure answers them from a hand-curated, fully local reference — no upstream calls, no quotes, nothing stored.

BusinessInsure is general educational information about common small-business insurance coverage types. It is NOT insurance advice and NOT a quote. It does not know your state's specific requirements or your business's actual risk profile. Always confirm coverage decisions with a licensed insurance professional in your state.

What it does

coverage_type_glossary explains the core coverage types — general liability, professional liability (Errors & Omissions), workers' compensation (with real state-requirement-varies framing), commercial property, cyber liability, and business interruption. recommended_coverage_by_business_type maps a business type (consulting, retail, restaurant, e-commerce, construction, software/SaaS, manufacturing, freelancer) to the coverage types commonly needed for it, with reasoning. insurance_needs_assessment takes specific yes/no facts about a business (employees, customer data, professional advice, a physical location, physical products, business vehicles) and computes a rule-based recommended-coverage list from those facts — useful for a business that spans more than one category. workers_comp_basics explains workers' compensation and how much its requirements genuinely vary by state. insurance_terms_glossary defines general terms like premium, deductible, and claims-made vs. occurrence.

What it is not

Not insurance advice, not a quote, and not a substitute for a licensed insurance professional who knows your state's specific requirements and your business's actual situation. It does not know your state's exact workers'-comp threshold, cannot evaluate your specific risk, and does not bind, sell, or recommend any specific insurer or policy.

Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.

Privacy policy

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BusinessInsure — Privacy Policy

Effective 28 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What BusinessInsure is. BusinessInsure is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for small-business-insurance educational content: coverage-type explanations, a business-type-to-coverage reference, a needs-assessment tool, and glossaries. You interact with your assistant; the assistant sends us only the arguments needed for that one lookup or calculation. BusinessInsure is general education, NOT insurance advice and NOT a quote.

What we receive. The arguments of each tool call — a coverage-type or glossary-term name, a business type, or a handful of yes/no facts about a business (e.g. whether it has employees or handles customer data) — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs. We never receive your actual business name, address, industry classification codes, or any real policy or claims information.

Everything is computed on our server and nothing is stored. Every response is drawn from hand-curated, bundled reference content or a transparent local rule evaluation; no request is forwarded to any third party — there is no insurer, carrier, or quoting integration of any kind — and no query is logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant or any information that identifies your actual business or its real insurance status, and we do not build a profile from your queries: each request is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every tool is computed locally, and there is no integration with any insurance carrier, broker, or quoting platform. Hosting: Vercel (United States regions).

Legal bases and your rights. For users in California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. BusinessInsure is a general-audience service for business owners and other adults; we knowingly collect no personal data from anyone.

Changes. We will post changes here with a new effective date.

Terms of service

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BusinessInsure — Terms of Service

Effective 28 September 2026. These terms govern use of the BusinessInsure connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

  1. The Service. BusinessInsure returns hand-curated general educational content about common small-business insurance coverage types, a business-type-to-coverage reference, a rule-based needs self-assessment, and glossaries. It is accessed through an AI assistant or directly over MCP or HTTP.
  2. Educational only — NOT insurance advice, NOT a quote, NOT an insurer. Every response from BusinessInsure is general educational information about common insurance concepts, prepared without knowledge of your state's specific requirements, your business's actual risk profile, or the facts of your situation. It is not a recommendation to buy or decline any specific coverage, is not a quote or binder of any kind, and Unify Dynamics LLC is not an insurance agent, broker, or carrier. Using the Service does not create any insurance-producer or advisory relationship. Consult a licensed insurance professional in your state before making coverage decisions.
  3. State law varies and is not encoded here. Requirements like workers' compensation vary significantly by state, industry, and employee count. workers_comp_basics and every other tool describe general, cross-state patterns only — they do NOT contain your state's actual statute or requirement, and you must confirm the specific rule that applies to your business with your state's own agency or a licensed professional.
  4. The needs assessment is a rule-of-thumb heuristic, not a policy recommendation. insurance_needs_assessment and recommended_coverage_by_business_type compute a starting-point suggestion from the limited facts you provide. They cannot evaluate your business's actual risk, claims history, or state-specific requirements, and are not a substitute for a licensed insurance professional's review.
  5. Acceptable use. Automated use within the published rate limits is welcome.
  6. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
  7. Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
  8. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
  9. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss — including from being underinsured, uninsured, or non-compliant with any state requirement — arising from use of or reliance on the Service. Our total liability is limited to US $100.
  10. Governing law. California law; venue in San Mateo County, California.
  11. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/businessinsure

Support

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BusinessInsure support

Email agent@connectorbay.com. We answer within two business days.

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. BusinessInsure never asks for them.

Get BusinessInsure

Free · No sign-in · Read-only

Streamable HTTP, stateless, no authentication. Paste the endpoint into any MCP-capable agent.

https://businessinsure.connectorbay.com/mcp
{
  "mcpServers": {
    "businessinsure": {
      "type": "http",
      "url": "https://businessinsure.connectorbay.com/mcp"
    }
  }
}