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FinancialMCP serverFirst audited Nov 13, 2026

QueryLines

Surplus lines market data, per query. U.S. E&S: premium, financials, litigation, catastrophe.The vendor's description, from its MCP Registry listing.

Passed, with 1 warningAudited Nov 13, 2026
  • Warning: 40 of 40 tools do not say whether they can change things.

Nothing failed, but there is something to know or fix. Public audit: we connect as an AI client would, list the tools and check what they say. We do not run them. How we audit

Does it work?
YesConnected in 1.2 s.
Sign-up?
None neededIt answered without any account or key.
Can it change things?
Doesn't sayIts tools do not say whether they only read, so treat them as able to change things.
Endpointhttps://api.querylines.com/mcp

Website Streamable HTTP · protocol 2025-11-25 · server version 0.1.0

What we checked, the evidence, and the tools it offers.

What we checked

Security

  • Passed: Connections are encrypted (HTTPS).

  • Passed: No hidden instructions found in tool text.

Safety labels

  • Warning: 40 of 40 tools do not say whether they can change things.

    MCP lets a server label each tool as read-only or destructive, so clients can ask the user before risky calls. Unlabelled tools are treated as able to change things.

    • get_premium_sample
    • list_lines
    • get_coverage
    • get_eligibility_sample
    • get_citizens_sample
    • list_carrier_lines
    • get_carriers_sample
    • get_premium
    • and 32 more

Tools

  • Passed: 40 tools listed.

  • Passed: Every tool describes its inputs with a valid schema.

Protocol

  • Passed: The MCP handshake works (Streamable HTTP).

  • Passed: Protocol version 2025-11-25 (latest).

  • Passed: Unknown requests are refused.

Connection

  • Passed: The server responds.

Tools (40)

As the server describes them. The labels are the server's own: it says whether each tool only reads or can change things.

  • get_premium_sampleFree sample of the premium data: statewide all-lines premium and policy-count series for a state, latest 13 periods, at whatever granularity that state publishes (month for FL/TX/CA, half for IL, yea…Doesn't say
  • list_linesList the coverage line taxonomy (source codes, names, normalized categories) available for a state. Free.Doesn't say
  • get_coverageReport which states, date ranges, and granularities (month/quarter/half/year) have data available. Free.Doesn't say
  • get_eligibility_sampleFree sample of the NAIC IID (Quarterly Listing of Alien Insurers) eligibility roster: a few alien companies and Lloyd's syndicates, plus the latest edition's additions/removals. Free.Doesn't say
  • get_citizens_sampleFree sample of the Citizens Property Insurance Corporation (Florida) dataset: statewide all-lines policies-in-force, latest 13 months, plus the latest year's depopulation (takeout) totals. Free.Doesn't say
  • list_carrier_linesList the NAIC annual-statement line-of-business taxonomy (line_no, line_code, name, category, from_year, comparability_note) used by the carriers (NAIC Market Share Report) dataset, plus which data y…Doesn't say
  • get_carriers_sampleFree sample of the carrier market-share dataset (NAIC Market Share Report, P/C): Florida's top 5 carriers for total-all-lines, latest data year, with the STATE TOTAL/all_other rows and CR4/CR10 conce…Doesn't say
  • get_premiumTime series of E&S/surplus lines premium and policy counts for a state, optionally by coverage line, date range, and granularity. $0.10 per query. Mirrors GET /v1/premium.Doesn't say
  • get_summaryYear-over-year premium and policy count summary for a state and year. $0.10 per query. Mirrors GET /v1/premium/summary.Doesn't say
  • get_top_insurersTop insurers by E&S/surplus lines premium for a state and period (month, half-year, or year), each with the carrier's latest-year combined and losses-incurred ratio joined by NAIC code (premium AND l…Doesn't say
  • compare_statesCompare premium/policy count series across multiple states side-by-side. $0.50 per query. Mirrors GET /v1/compare.Doesn't say
  • check_eligibilityLook up NAIC IID (Quarterly Listing of Alien Insurers) surplus-lines eligibility -- nationwide under NRRA -- for an insurer by name or alien ID, or list the current roster with recent additions/remov…Doesn't say
  • get_citizens_pifCitizens Property Insurance Corporation (Florida) monthly policies-in-force by product line, optionally broken out by coverage (wind/ex_wind), region (tri_county/remainder), or filtered to a single c…Doesn't say
  • get_citizens_depopulationCitizens Property Insurance Corporation (Florida) depopulation (takeout) activity: annual totals by policy type, or company-level detail for years with published detail (2017, 2018, 2021+). $0.10 per…Doesn't say
  • get_top_carriersTop carriers (NAIC group codes and standalone companies, ranked together per the report's own methodology) by direct premiums written for a jurisdiction (or countrywide) and line of business, with ye…Doesn't say
  • get_carrier_profileOne carrier's multi-year trajectory (rank, dpw, market_share, YoY) for a single line and scope (a jurisdiction or countrywide), plus group member companies for group codes. DELIBERATE single-scope li…Doesn't say
  • compare_carrier_statesOne carrier's footprint across states for a line and year: per-state rank/dpw/market_share/YoY, plus the countrywide reference row. $0.50 per query -- the cross-state differentiator, mirrors compare_…Doesn't say
  • list_cat_eventsList U.S. hurricane catastrophe events (FEMA disaster declarations grouped into named storms, with NOAA landfall category/wind), most recent first. Filter by `state` (2-letter code), `year`, or `peri…Doesn't say
  • get_cat_sampleFree sample of the hurricane/catastrophe dataset: recent events plus the latest FL-affecting hurricane's Florida exposure headline (declared counties and their share of statewide surplus-lines premiu…Doesn't say
  • get_cat_countiesPer-county FEMA disaster-declaration detail for one hurricane event (declaration type/date, incident window, IA/PA/IH/HM program flags). Filter by `state`. $0.10 per query. Mirrors GET /v1/cat/counti…Doesn't say
  • get_cat_exposureHurricane exposure: the latest annual county-level surplus-lines premium for a state, annotated by which counties were federally declared for a given storm, with the declared-zone premium and its sha…Doesn't say
  • get_cat_impactHurricane premium impact: the change in county-level surplus-lines premium in a storm's federally-declared counties, the last full year BEFORE landfall vs the first full year AFTER, with the rest of…Doesn't say
  • get_hazard_sampleFree sample of the natural-hazard risk dataset (FEMA National Risk Index): Florida's highest-risk counties (composite) plus the surplus-lines premium-overlay headline, and the perils/states available…Doesn't say
  • get_hazardCounty natural-hazard risk scores for a state and peril (FEMA National Risk Index): Expected Annual Loss ($), EAL/Risk scores (0-100) and ratings, ranked by loss. `peril` is composite (default) or on…Doesn't say
  • get_hazard_premiumPremium overlay: a state's latest annual county-level surplus-lines premium alongside each county's FEMA hazard Expected Annual Loss for a peril, ranked by loss -- which counties carry the risk, and…Doesn't say
  • get_solvency_sampleFree sample of the multi-state carrier-distress dataset: headline counts plus a few recent liquidations and recent enforcement fines. Free -- the discovery bait for /v1/solvency and /v1/enforcement.Doesn't say
  • get_carrier_solvencyIs a carrier in trouble? Look up a company's receivership/liquidation record plus its enforcement actions (fines, license suspensions/revocations) across the covered states in one dossier, or list re…Doesn't say
  • list_enforcement_actionsThe multi-state insurer enforcement ledger: fines and license suspensions/revocations/denials from state regulators (FL OIR, Texas TDI, New York DFS, California CDI, Washington OIC), plus Florida's e…Doesn't say
  • get_rate_filings_sampleFree sample of the SERFF admitted-market rate-filings dataset: per-state (CA, MS, TX, WA) filing counts and date range, plus a few of the largest recent rate increases. Admitted-market rate activity…Doesn't say
  • get_rate_filingsBrowse or filter admitted-market SERFF rate filings (Texas TDI open data, Mississippi MID bulletins, California CDI rate-filing approvals, and Washington OIC annual reports): filter by `state` (CA|MS…Doesn't say
  • get_rate_activityThe rate-activity index: admitted-market SERFF rate filings aggregated by state x coverage line x period (month/quarter/year) -- filing_count, avg_rate_change_pct, share_increasing/share_decreasing,…Doesn't say
  • get_rates_vs_premiumThe leading-indicator join: E&S/surplus-lines premium (plus YoY growth) aligned period-by-period against admitted-market SERFF rate-filing activity (filing_count, avg_rate_change_pct, share_increasin…Doesn't say
  • get_syndicate_sampleFree sample of the Lloyd's of London syndicate-results dataset: how many syndicates are covered, the forecast year-of-account range, and a few example syndicate dossiers (capacity + estimated result…Doesn't say
  • get_syndicateHow is a Lloyd's of London syndicate performing? Look up a syndicate's capacity and Lloyd's estimated result forecast (worst/best case % on capacity, by year of account) plus its US surplus-lines eli…Doesn't say
  • get_financials_sampleFree sample of the insurer financial-cards dataset: a handful of carriers' latest-fiscal-year headline figures (assets, surplus, gross premium, combined/losses-incurred ratios, IRIS distress count) p…Doesn't say
  • get_carrier_financialsA carrier's statutory-statement financial dossier: identity (domicile, FEIN, parent, incorporation date) plus its full loaded fiscal-year series (assets, surplus, premium, IRIS distress ratios), from…Doesn't say
  • get_financials_reinsurersA carrier's reinsurer panel from its NAIC annual-statement filing (the 'Reinsurers (Top 5)' schedule): reinsurer name, class, authorization status, gross recovery, and amounts over 120 days overdue.…Doesn't say
  • get_financials_distressThe IRIS distress screen: carriers whose NAIC annual-statement filing reports a published, NON-ZERO count of IRIS ratios outside the usual range for a fiscal year (NULL/unpublished years are excluded…Doesn't say
  • get_litigation_sampleFree sample of the Florida property-insurance litigation dataset: the headline ratio (Florida's share of the nation's homeowners' claims vs. lawsuits) and the latest three years. Free -- the discover…Doesn't say
  • get_litigation_metricsFlorida homeowners property-insurance litigation metrics by year: Florida's share of the nation's homeowners' claims and lawsuits opened (the admitted-market litigation leading indicator that pushes…Doesn't say

Audit history

  1. Nov 13Warnings

What we sent

Every request in this audit, with the answer and how long it took. We never send credentials and never call a tool.

RequestAnswerTime
initializeHTTP 2001203 ms
initializedHTTP 202293 ms
tools/listHTTP 200118 ms
unknown-methodHTTP 20081 ms

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