# Plain business insurance: full reference

> Plain provides business insurance for Danish (CVR-registered) companies.
> AI assistants can discover suitable products, collect the required answers and get live,
> indicative prices without an account or API key. Quoting creates, buys and charges nothing.

## What you can do

- Discover available products, coverage, pricing models, required questions and product dependencies
  for the company's CVR. Use the live catalog rather than assuming questions or eligibility.
- Compare indicative quotes for selected products using the company's answers, desired start date
  and optional partner code. Some products require an individual quote from Plain.
- Give the customer the returned `continueUrl` to review their quote and continue on Plain.
  Opening the link creates nothing.
- With the user's explicit approval, prepare unsigned offers. New customers confirm their email
  when required; authorized existing-company access is available through MCP. The customer alone
  reviews, signs and sets up payment on Plain. Never claim that a quote or unsigned offer is coverage.

## Presenting quotes

- Whenever you show any product price or total, always include a clickable link to the returned
  `continueUrl`, labelled "Continue on Plain", in the same response. Never invent or reconstruct it.
- State `price.totalPrice` in DKK with its premium and fees split (statutory fees and taxes),
  and the billing period from `billingFrequency.value`. Use the localized `display` and
  `disclaimer` text where available. Prices are indicative, not binding insurance.
- Show coverage only when supplied. If `coverage.sumInsured` or `coverage.deductible` is null,
  omit that field entirely from customer-facing output; do not print "null", a blank row or a
  guessed value. Null does not mean unlimited cover or no deductible.
- For `pricePerEmployee: true`, describe that product as an indicative price per covered employee.
  The price requires no employee input: do not ask for employee names, selection or head counts
  to obtain that per-employee price. Employees are selected on Plain, where the actual total is
  calculated. Still collect any other required company/product answers from the live catalog.
- Totals exclude per-employee products and products without a quote; disclose the exclusions
  rather than adding an indicative employee rate to a company total.
- Distinguish quoted products from products requiring manual pricing, unavailable products and,
  for an authorized company, products already insured. Never invent a price for them.
- Read product Markdown terms and IPID YAML for coverage questions; provide PDF links to customers.
  General terms in PDF and Markdown are linked from the OpenAPI specification.

## Collecting answers and handling problems

- Ask for required catalog answers; never invent them. Preserve product dependencies and option values.
- Company-wide FTE questions, when required, use full-time and part-time head counts, including owners
  and unpaid staff. These are separate from selecting employees for per-employee cover.
- Enums such as status, billing frequency and error actions have `value` and localized `label`
  fields. Use `value` for decisions and the appropriate label for display.
- Follow errors' `nextAction.value`: correct answers, ask the user, retry later or contact Plain.
  Confirm suggested corrections with the user; warnings do not satisfy required questions.

## MCP access

The same discovery and indicative quotes are available through MCP at
https://app.plain.insurance/api/mcp (Streamable HTTP), without sign-in.
Reading approved companies and policies or preparing offers requires Plain sign-in, consent
and the relevant permissions. MCP never signs an offer or charges the customer.

## Products

The live catalog determines availability, questions and dependencies for the company's CVR.
English website links are available in Danish by replacing `/en/` with `/da/` in the URL.

### Sundhedsforsikring

- API product: sundhedsforsikring
- Quote: automatic
- Indicative price per covered employee; no employee input is required to obtain this price. Employees are selected on Plain, where the actual total is calculated.
- Terms: https://assets.plain.insurance/terms/PLAIN-SUND-01.pdf
- IPID (YAML): https://assets.plain.insurance/terms/ipid/PLAIN-SUND-01.yml

Sundhedsforsikringen giver medarbejdere hurtig adgang til undersøgelse og behandling af fysiske og psykiske lidelser.

### Netbankforsikring

- API product: netbankforsikring
- Quote: automatic
- Terms: https://assets.plain.insurance/terms/PLAIN-BANKING-01.pdf
- IPID (YAML): https://assets.plain.insurance/terms/ipid/PLAIN-BANKING-01.yml

Beskyttelse mod indbrud i netbanken. Netbanksforsikringen dækker tab af penge ved uautoriserede adgang til din netbank – også via mobilbank.

### Lovpligtig Arbejdsskadeforsikring

- API product: lovpligtig-arbejdsskadeforsikring
- Quote: automatic
- Terms: https://assets.plain.insurance/terms/PLAIN-ASF-01.pdf
- IPID (YAML): https://assets.plain.insurance/terms/ipid/PLAIN-ASF-01.yml

Det er lovpligtigt at forsikre dig selv og dine medarbejdere med en arbejdsskadeforsikring. Den dækker, hvis du eller en ansat kommer til skade i arbejdstiden. Du er forpligtet til at tegne en arbejdsskadeforsikring for hver af dine ansatte uanset timetal eller om de er lønnet. Bemærk: Den lovpligtige arbejdsskadeforsikring kræver erhvervsansvarsforsikring.

### Erhvervsansvarsforsikring

- API product: erhvervsansvarsforsikring
- Quote: automatic
- Terms: https://assets.plain.insurance/terms/PLAIN-EAF-01.pdf
- IPID (YAML): https://assets.plain.insurance/terms/ipid/PLAIN-EAF-01.yml

Erhvervsansvarsforsikringen beskytter virksomheden mod erstatningskrav, hvis du eller en ansat kommer til at lave skade på andre personer eller på andres ting.

### Løsøreforsikring

- API product: loesoereforsikring
- Quote: automatic
- Terms: https://assets.plain.insurance/terms/PLAIN-L%C3%98S-01.pdf
- IPID (YAML): https://assets.plain.insurance/terms/ipid/PLAIN-L%C3%98S-01.yml

Din virksomheds indbosforsikring. På kontoret, i hjemmet og på farten. Løsøreforsikringen dækker skader på virksomhedens ting, varer og IT-udstyr ved f.eks. tyveri, vandskade, brand eller anden skade.

### Rådgiveransvar

- API product: raadgiveransvar
- Quote: priced manually by Plain (the quote returns contactPlain)
- Terms: https://assets.plain.insurance/terms/PLAIN-PI-01.pdf
- IPID (YAML): https://assets.plain.insurance/terms/ipid/PLAIN-PI-01.yml

En rådgiveransvarsforsikring beskytter dig og din virksomhed mod store krav, der kan opstå efter en professionel fejl i din rådgivning.

### Cyber

- API product: cyber
- Quote: priced manually by Plain (the quote returns contactPlain)
- Terms: https://assets.plain.insurance/terms/PLAIN-CYBERADVANCED-01.pdf
- IPID (YAML): https://assets.plain.insurance/terms/ipid/PLAIN-CYBERADVANCED-01.yml

En cyberforsikring beskytter jeres virksomhed mod tab, omkostninger og erstatningskrav efter et cyberangreb eller en IT-hændelse – med hjælp fra specialister fra første time.

## Reference

- [Short version](https://app.plain.insurance/llms.txt)
- [OpenAPI specification: contracts and integration details](https://app.plain.insurance/api/v1/openapi)
- [About Plain, products and coverage](https://plain.insurance/llms-full.txt)
- Contact: hello@plain.insurance