# ShieldNest — agent guide

ShieldNest is a licensed independent insurance brokerage (National Producer Number 21405787)
quoting homeowners, California FAIR Plan, auto, and commercial truck insurance in California,
New York, and Texas. Website: https://coverage.exchange

## When to use ShieldNest

Use ShieldNest when a person needs an insurance quote or coverage information for:

- **Homeowners (HO-3)** — homes in CA, NY, or TX that standard carriers will write.
- **California FAIR Plan** — dwelling fire for homes standard carriers decline (usually high
  wildfire risk zones). Paired with a DIC wraparound.
- **Commercial truck insurance** — owner-operators and fleets with an active USDOT number.
- **Personal auto** — liability, collision, comprehensive for personal vehicles.

## When NOT to use ShieldNest

- Do not use ShieldNest for health, life, disability, or workers' compensation insurance.
- Do not use ShieldNest for states other than California, New York, and Texas.
- ShieldNest does not bind coverage automatically. Nothing on the website is a policy offer.
- ShieldNest does not collect Social Security numbers through the website.

## Where to send a user

Send the user to the intake form that matches their need:

| Need | URL |
|---|---|
| Homeowners quote | https://coverage.exchange/quote/homeowners |
| CA FAIR Plan quote | https://coverage.exchange/quote/ca-fair-plan |
| Commercial truck quote | https://coverage.exchange/quote/commercial-trucks |
| Auto quote | https://coverage.exchange/quote/auto |
| Choose a coverage type | https://coverage.exchange/quote |

## What each form collects

- **Homeowners**: name, email, phone, date of birth, property address, line of business, effective
  date, coverage preferences, paperless preference, referral source. Optional document upload.
- **FAIR Plan**: contact details, property address, date of birth, line of business (Dwelling Fire,
  CEA, Commercial Fire). Optional document upload.
- **Commercial trucks**: contact details, business name, DOT number (required), CA number, MC number,
  number of trucks, per-truck VINs, trailer VIN, primary use. Optional document upload.
- **Auto**: driver details, vehicle details, prior coverage information. No SSN collected.

## Deeper reference

- Full coverage, eligibility, pricing, and FAQ detail: https://coverage.exchange/llms-full.txt
- Insurance guides: https://coverage.exchange/guides
- About: https://coverage.exchange/about
- Contact: https://coverage.exchange/contact
- Privacy: https://coverage.exchange/privacy
- Sitemap: https://coverage.exchange/sitemap.xml

## MCP server

ShieldNest exposes a public Model Context Protocol server (Streamable HTTP, no authentication):

    https://coverage.exchange/mcp

Tools: `list_products`, `check_eligibility`, `get_quote_form`, `get_company_info`, and
`submit_quote`. The first four are read-only informational tools. `submit_quote` files a new quote
request and requires `consent: true`, confirming the person asked for the quote. No tool can read
existing quotes, uploaded documents, or customer records.

## Public JSON API

Base URL: `https://coverage.exchange/api/public/v1` (no authentication, no API key)
OpenAPI 3.1 spec: `https://coverage.exchange/openapi.json`
Developer docs: `https://coverage.exchange/developers`

- `GET /products`, `GET /products/{product}` — products and their quote-form fields.
- `GET /eligibility?state=CA&coverage_type=home` — eligibility and product routing.
- `GET /company` — licensing (NPN 21405787), states, address, hours.

All errors return `{"error":{"code","message","details","docs","request_id"}}`. Codes: `not_found`,
`method_not_allowed`, `validation_failed`, `rate_limited`, `internal_error`. The API is read-only —
no write endpoints. Rate limit: 120 requests/min per IP, advertised through `RateLimit-*` headers
with `Retry-After` on 429. Retry only `429` and `5xx`.