{"openapi":"3.1.0","info":{"title":"BusinessInsure API","version":"0.1.0","description":"A fully local small-business-insurance-types educational glossary: coverage-type explanations, a business-type-to-coverage reference, a rule-based needs-assessment tool, workers'-comp state-variance basics, and an insurance-terms glossary. Purely educational, not insurance advice or a quote.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://businessinsure.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/businessinsure/docs"},"termsOfService":"https://connectorbay.com/businessinsure/terms"},"servers":[{"url":"https://businessinsure.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/businessinsure/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/coverage_type_glossary":{"post":{"operationId":"coverage_type_glossary","summary":"Explains the core small-business insurance coverage types — general liability, professional liability","description":"Explains the core small-business insurance coverage types — general liability, professional liability\n    (Errors & Omissions), workers' compensation (with real state-requirement-varies framing), commercial\n    property, cyber liability, and business interruption — what each covers and who typically needs it.\n    Purely educational, not a quote. Use for \"what's the difference between general liability and E&O\", \"what\n    does business interruption insurance cover\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"coverage_type":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"One of: general liability, professional liability, workers' compensation, commercial property, cyber liability, business interruption. 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Purely educational, not a quote. Use for \"what insurance\n    does a restaurant typically need\", \"does a software startup need cyber liability insurance\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"business_type":{"description":"e.g. consulting, retail, restaurant, e-commerce, construction, software/SaaS, manufacturing, freelancer/solopreneur.","title":"Business Type","type":"string"}},"required":["business_type"],"title":"recommended_coverage_by_business_typeArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/insurance_needs_assessment":{"post":{"operationId":"insurance_needs_assessment","summary":"A rule-based coverage recommendation built from specific yes/no facts about a business, rather than a","description":"A rule-based coverage recommendation built from specific yes/no facts about a business, rather than a\n    single business-type label — useful for a business that spans categories. 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Use for \"is workers' comp required in every state\", \"do I need workers' comp for\n    one employee\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{},"title":"workers_comp_basicsArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/insurance_terms_glossary":{"post":{"operationId":"insurance_terms_glossary","summary":"Definitions of general insurance terms — premium, deductible, liability limit, claims-made vs.","description":"Definitions of general insurance terms — premium, deductible, liability limit, claims-made vs.\n    occurrence, endorsement, additional insured, certificate of insurance, umbrella policy. 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