ShieldNest API for developers and AI agents

ShieldNest is a licensed independent insurance brokerage (National Producer Number 21405787) serving California, New York and Texas. This public, read-only API lets software and AI agents discover what we cover, check whether we can help in a given state, and learn exactly what each quote form needs — then point people to the right form on our website.

No API key, no sign-up, no sandbox to request — the endpoints below are open and free to call. The API is read-only: it returns only public marketing and licensing content, and nothing in it reads or writes quotes, uploaded documents, or customer records. Quote requests are submitted by people on our website forms, not through this API.

Machine-readable specification

• OpenAPI 3.1: https://coverage.exchange/openapi.json (also at /.well-known/openapi.json)
• MCP server (Model Context Protocol): https://coverage.exchange/mcp — streamable HTTP, no authentication
• Agent documentation: llms.txt, llms-full.txt, agents.md, ai-catalog.json

Endpoints

Base URL: https://coverage.exchange/api/public/v1

• GET /api/public/v1/products
  List every insurance product, what it covers, states served, and its quote URL. Supports limit and offset.
• GET /api/public/v1/products/{product}
  One product plus the exact fields its quote form requires. Products: homeowners, ca_fair_plan, commercial_truck, auto.
• GET /api/public/v1/eligibility?state=CA&coverage_type=home
  Whether ShieldNest can help in that state and which product fits. Add declined_or_nonrenewed=true for homes the standard market turned down.
• GET /api/public/v1/company
  Licensing (NPN 21405787), states served, address, hours, and how quoting works.

Example

curl "https://coverage.exchange/api/public/v1/products"

curl "https://coverage.exchange/api/public/v1/eligibility?state=CA&coverage_type=home&declined_or_nonrenewed=true"

curl "https://coverage.exchange/api/public/v1/company"

Errors

Every failure returns the same JSON shape with a stable code:

{
  "error": {
    "code": "validation_failed",
    "message": "The request could not be completed because parameters are missing or invalid.",
    "details": [{ "field": "state", "issue": "Must be a two-letter US state code" }],
    "docs": "https://coverage.exchange/openapi.json",
    "request_id": "0f0f7e3c-..."
  }
}

• not_found — 404 — unknown endpoint or product.
• method_not_allowed — 405 — wrong HTTP method for the endpoint.
• validation_failed — 422 — missing or invalid parameters; details lists each one.
• rate_limited — 429 — retry after the seconds in Retry-After.
• internal_error — 500 — transient server failure; safe to retry.

Rate limits and retries

120 requests per minute per IP address. Every response carries RateLimit-Limit, RateLimit-Remaining and RateLimit-Reset; a 429 also carries Retry-After. Retry 429 and 5xx responses after the indicated delay with backoff. All other 4xx responses are terminal — fix the request instead of retrying.

Terms

This API is read-only — quote requests are made by people on our website forms, not here. Nothing returned by this API is a binding offer of insurance or a price quote — a licensed agent follows up and coverage is bound only in writing. See our privacy and data handling page for how intake data is stored and used, and contact us with any questions.