Insurance tech company Sure has launched what it calls the industry’s first Model Context Protocol (MCP), enabling AI agents to fully manage insurance policies—from quoting and binding to servicing—without human intervention. The technology creates a standardized interface that allows AI systems to plug directly into insurance infrastructure, bypassing the manual processes that have long slowed down policy administration.
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MCP gives AI-powered assistants and chatbots access to critical insurance functions such as claims processing, policy changes, and customer service, all while maintaining compliance through built-in safeguards. According to Sure, the protocol marks a shift in how insurance operations can be delivered, allowing AI to manage end-to-end workflows securely and autonomously.
From legacy systems to instant automation
For decades, insurers have relied on human intermediaries to manage the gap between consumer needs and backend systems—an approach that doesn’t scale well with rising digital expectations. Sure’s MCP attempts to eliminate that friction. By enabling AI agents to generate real-time quotes, bind policies, and manage claims, the system promises significant reductions in both time and cost.
Beta testers are already reporting a 95% drop in quote-to-bind time and major improvements in customer response times. These early indicators suggest AI could drastically change operational dynamics across the insurance value chain.
Insurance meets the AI age
While other industries have quickly adopted AI to streamline customer interaction, insurance has lagged due to regulatory complexity and the high stakes of coverage decisions. MCP may be the breakthrough that finally brings automation to the sector at scale.
Available now to enterprise clients and developer partners, Sure plans to expand MCP functionality throughout 2025, potentially reshaping how insurance products are built, sold, and serviced.