Verisk Insurance Underwriting

naftiko: 1.0.0-alpha2
info:
  label: Verisk Insurance Underwriting
  description: Unified capability for insurance underwriters to assess property risk, retrieve ISO fire protection classifications,
    score catastrophe peril exposures, and benchmark claims performance. Combines Verisk Insurance Analytics API operations
    into a single underwriting workflow for P&C insurance carriers.
  tags:
  - Insurance
  - Underwriting
  - Property Risk
  - Catastrophe Modeling
  - Claims
  - Analytics
  created: '2026-05-03'
  modified: '2026-05-06'
binds:
- namespace: env
  keys:
    VERISK_BEARER_TOKEN: VERISK_BEARER_TOKEN
    VERISK_API_KEY: VERISK_API_KEY
capability:
  consumes:
  - type: http
    namespace: verisk-insurance-analytics
    baseUri: https://api.verisk.com/insurance/v1
    description: Verisk Insurance Analytics REST API for property risk, peril scores, and claims benchmarking.
    authentication:
      type: bearer
      token: '{{VERISK_BEARER_TOKEN}}'
    resources:
    - name: property-risk
      path: /property/risk/{propertyId}
      description: Property risk assessments and hazard scores
      operations:
      - name: get-property-risk
        method: GET
        description: Get comprehensive risk data for a specific property
        inputParameters:
        - name: propertyId
          in: path
          type: string
          required: true
          description: Property identifier (address or ISO property ID)
        - name: includePerils
          in: query
          type: array
          required: false
          description: Peril types to include in response
        - name: asOfDate
          in: query
          type: string
          required: false
          description: Historical risk assessment date
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: property-lookup
      path: /property/lookup
      description: Address-to-property resolution and risk data
      operations:
      - name: lookup-property-by-address
        method: POST
        description: Resolve a street address to a property record and return risk data
        inputParameters: []
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            streetAddress: '{{tools.streetAddress}}'
            city: '{{tools.city}}'
            state: '{{tools.state}}'
            zipCode: '{{tools.zipCode}}'
            includeRiskData: '{{tools.includeRiskData}}'
    - name: risk-scores
      path: /risk/scores
      description: Insurance risk scores for properties and portfolios
      operations:
      - name: get-risk-scores
        method: POST
        description: Get risk scores for properties, policies, or portfolios
        inputParameters: []
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            locations: '{{tools.locations}}'
            scoreTypes: '{{tools.scoreTypes}}'
    - name: fire-protection-class
      path: /risk/fire-protection-class
      description: ISO Fire Protection Classification data
      operations:
      - name: get-fire-protection-class
        method: GET
        description: Get ISO Public Protection Classification (PPC) grade for a location
        inputParameters:
        - name: latitude
          in: query
          type: number
          required: true
          description: Location latitude
        - name: longitude
          in: query
          type: number
          required: true
          description: Location longitude
        - name: constructionType
          in: query
          type: string
          required: false
          description: ISO construction class
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: catastrophe-peril-scores
      path: /catastrophe/peril-scores
      description: Catastrophe peril exposure scores
      operations:
      - name: get-peril-scores
        method: POST
        description: Get catastrophe exposure scores for natural hazard perils
        inputParameters: []
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            locations: '{{tools.locations}}'
            perils: '{{tools.perils}}'
    - name: claims-benchmarks
      path: /claims/benchmarks
      description: Industry claims benchmarking data
      operations:
      - name: get-claims-benchmarks
        method: GET
        description: Get industry claims benchmarking data for loss frequency, severity, and combined ratio
        inputParameters:
        - name: lineOfBusiness
          in: query
          type: string
          required: true
          description: Line of insurance business
        - name: state
          in: query
          type: string
          required: false
          description: US state code
        - name: year
          in: query
          type: integer
          required: false
          description: Data year
        - name: metricType
          in: query
          type: string
          required: false
          description: Metric type to retrieve
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
  exposes:
  - type: rest
    port: 8080
    namespace: verisk-underwriting-api
    description: Unified REST API for insurance underwriting workflows using Verisk data.
    resources:
    - path: /v1/properties/{propertyId}/risk
      name: property-risk
      description: Property risk assessment by property ID
      operations:
      - method: GET
        name: get-property-risk
        description: Get comprehensive property risk assessment
        call: verisk-insurance-analytics.get-property-risk
        with:
          propertyId: rest.propertyId
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/properties/lookup
      name: property-lookup
      description: Property lookup by address
      operations:
      - method: POST
        name: lookup-property
        description: Lookup property risk data by street address
        call: verisk-insurance-analytics.lookup-property-by-address
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/risk-scores
      name: risk-scores
      description: Insurance risk scores for underwriting
      operations:
      - method: POST
        name: get-risk-scores
        description: Get risk scores for properties or portfolios
        call: verisk-insurance-analytics.get-risk-scores
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/fire-protection-class
      name: fire-protection-class
      description: ISO Fire Protection Classification
      operations:
      - method: GET
        name: get-fire-protection-class
        description: Get ISO PPC grade for a location
        call: verisk-insurance-analytics.get-fire-protection-class
        with:
          latitude: rest.latitude
          longitude: rest.longitude
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/peril-scores
      name: peril-scores
      description: Catastrophe peril exposure scores
      operations:
      - method: POST
        name: get-peril-scores
        description: Get catastrophe peril scores for locations
        call: verisk-insurance-analytics.get-peril-scores
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/claims/benchmarks
      name: claims-benchmarks
      description: Industry claims benchmarking
      operations:
      - method: GET
        name: get-claims-benchmarks
        description: Get industry claims benchmarking metrics
        call: verisk-insurance-analytics.get-claims-benchmarks
        with:
          lineOfBusiness: rest.lineOfBusiness
          state: rest.state
          year: rest.year
        outputParameters:
        - type: object
          mapping: $.
  - type: mcp
    port: 9080
    namespace: verisk-underwriting-mcp
    transport: http
    description: MCP server for AI-assisted insurance underwriting using Verisk data.
    tools:
    - name: get-property-risk
      description: Get comprehensive property risk assessment including construction, fire protection, and hazard scores for
        underwriting a specific property
      hints:
        readOnly: true
        openWorld: true
      call: verisk-insurance-analytics.get-property-risk
      with:
        propertyId: tools.propertyId
      outputParameters:
      - type: object
        mapping: $.
    - name: lookup-property-by-address
      description: Resolve a street address to a property record and retrieve Verisk risk data for underwriting
      hints:
        readOnly: true
        openWorld: true
      call: verisk-insurance-analytics.lookup-property-by-address
      outputParameters:
      - type: object
        mapping: $.
    - name: get-risk-scores
      description: Get ISO fire protection, building code effectiveness, flood zone, earthquake zone, and wind zone risk scores
        for properties or portfolios
      hints:
        readOnly: true
        openWorld: true
      call: verisk-insurance-analytics.get-risk-scores
      outputParameters:
      - type: object
        mapping: $.
    - name: get-fire-protection-class
      description: Get ISO Public Protection Classification (PPC) grade for a geographic location to assess fire suppression
        capability
      hints:
        readOnly: true
        openWorld: true
      call: verisk-insurance-analytics.get-fire-protection-class
      with:
        latitude: tools.latitude
        longitude: tools.longitude
      outputParameters:
      - type: object
        mapping: $.
    - name: get-peril-scores
      description: Get catastrophe exposure scores for hurricane, tornado, hail, wildfire, earthquake, and flood perils for
        a list of locations
      hints:
        readOnly: true
        openWorld: true
      call: verisk-insurance-analytics.get-peril-scores
      outputParameters:
      - type: object
        mapping: $.
    - name: get-claims-benchmarks
      description: Get industry claims benchmarking data for loss frequency, severity, combined ratio, and loss ratio by line
        of business and state
      hints:
        readOnly: true
        openWorld: true
      call: verisk-insurance-analytics.get-claims-benchmarks
      with:
        lineOfBusiness: tools.lineOfBusiness
        state: tools.state
        year: tools.year
      outputParameters:
      - type: object
        mapping: $.