# Plain business insurance for AI assistants

> 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 and live product pages

English website links are available in Danish by replacing `/en/` with `/da/` in the URL.

- [Business health (Sundhedsforsikring)](https://plain.insurance/en/products/health-insurance/): Maximum coverage and treatments for you and your employees.
- [Business liability (Erhvervsansvarsforsikring)](https://plain.insurance/en/products/business-liability-insurance/): Protect your business against compensation claims.
- [Compulsory occupational injury (Lovpligtig arbejdsskadeforsikring)](https://plain.insurance/en/products/occupational-injury-insurance/): Required by Danish law for companies with or without employees.
- [Business contents (Løsøreforsikring)](https://plain.insurance/en/products/business-contents-insurance/): Cover for your company’s equipment and contents.
We also offer:
- Sundhedsforsikring (sundhedsforsikring) — 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. — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-SUND-01.yml)
- Netbankforsikring (netbankforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-BANKING-01.yml)
- Lovpligtig Arbejdsskadeforsikring (lovpligtig-arbejdsskadeforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-ASF-01.yml)
- Erhvervsansvarsforsikring (erhvervsansvarsforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-EAF-01.yml)
- Løsøreforsikring (loesoereforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-L%C3%98S-01.yml)
- Rådgiveransvar (raadgiveransvar) — manually priced — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-PI-01.yml)
- Cyber (cyber) — manually priced — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-CYBERADVANCED-01.yml)

## Reference

- [Full reference: products, pricing models and terms](https://app.plain.insurance/llms-full.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