seaworthy

Seaworthy Insurance MCP Server

A live Model Context Protocol server that lets AI agents take action on behalf of their users with Seaworthy Insurance, an independent brokerage specializing in individual disability insurance for high-income professionals (physicians, dentists, CRNAs, attorneys, executives).

To our knowledge, this is the first disability insurance brokerage to expose an agent-callable quote action over MCP.

Endpoint

https://mcp.seaworthy.io/mcp

• Transport: Streamable HTTP
• Auth: none (open). The write action is protected server-side by input validation, per-IP rate limiting, and duplicate suppression rather than client authentication.
• Server card: https://seaworthy.io/.well-known/mcp/server-card.json
• Registry: io.seaworthy/mcp in the official MCP Registry

Tools

Tool	Type	What it does
quote_request	action	Submits a disability insurance quote-comparison request to the Seaworthy sales pipeline on the user's behalf. A licensed broker follows up within one business day.
get_specialty_guide	read	Coverage guidance for a specific profession or medical specialty.
compare_carriers	read	Structured comparison of the five major individual disability carriers.
estimate_benefit_cap_gap	read	Income-replacement gap math between a group LTD cap and a target.
list_riders	read	Definitions and trade-offs for the major disability insurance riders.
get_education_article	read	Retrieves a named education article as structured metadata plus a link.

quote_request inputs

Required: first_name, last_name, email, phone, profession, state, dob, gender, annual_income. Optional: life_insurance_interest, notes, referral_source.

The agent must confirm the user has consented to be contacted before calling it. SSN, medical history, and banking details are never collected through this tool.

Security & privacy

This is a remote, stateless server. Connecting a client runs no code on the user's machine and gives the server no access to the local filesystem.

• Read tools return only public, vendor-verified facts.
• The one write tool (quote_request) is guarded server-side by input validation, per-IP rate limiting, and duplicate suppression, not by client credentials. That is why the endpoint can be open without exposing the pipeline to abuse.
• No sensitive data (SSN, medical, banking) is ever accepted, and the agent must confirm consent before submitting.
• Minimal data flow: submissions go to Seaworthy's CRM (Salesforce Web-to-Lead) and nowhere else. The server keeps no conversation or query history, and no secrets live in this repository.

Full details and a private disclosure channel are in SECURITY.md.

Try it

Add https://mcp.seaworthy.io/mcp as an MCP server in any MCP-capable client (Cloudflare AI Playground, Claude Desktop, MCP Inspector, or a custom connector), then ask it to get a disability insurance quote.

Stack

Cloudflare Worker (TypeScript), stateless JSON-RPC over Streamable HTTP. Quote submissions write to Salesforce Web-to-Lead. No secrets live in this repository.

Author

Built by Toby Lason, Managing Partner, Seaworthy Insurance.

License

MIT (see LICENSE). The hosted endpoint at mcp.seaworthy.io is the supported way to use it; the code is published for transparency and discoverability.