Coverage Cat

Checks coarse secure-details, declarations, payment-method, and policy progress for the connected customer's application. Used by the application progress card. In the synthetic sandbox, polling advances checkout and can create a simulated policy; it does not issue real coverage. No private details or document contents are returned.

umbrella_consumer_upload_status

Continues the selected offer's carrier processing after required identity details, underwriting answers and declarations are saved on Coverage Cat. Takes no application answers. Returns the secure website step if information is missing, or a hosted payment URL when status is payment_needed. Required details, documents, answers and the final-price gate precede payment setup. Human verification and review are required before the customer is charged. This operation does not perform or approve that human review, save a payment method, charge a premium, or confirm bound coverage.

umbrella_consumer_bind

Checks the connected account's umbrella applications. Omit uid to list application identifiers and status; supply a returned uid for its coarse review, estimates, selected offer, requirements, and payment or policy status. With uid, records request attribution on the application. In the synthetic sandbox, polling advances checkout and can create a simulated policy; it does not issue real coverage. May return the consent question and a secure website continuation link. Requires account read access. Does not grant consent, select an offer, or make a payment. Private identity fields and document contents are excluded. Human verification and review are required before the customer is charged; this tool does not approve that review.

consumer_intake_issues

Retrieves the connected account's recorded umbrella policy status for a returned application uid. Returns carrier, premium, coverage limit, effective dates, and policy_url for viewing or downloading the policy on the authenticated Coverage Cat website. Set include_policy_number to true only when the customer explicitly asks for their policy number; otherwise it is omitted. Records access attribution on the application; it does not advance policy state, including in the sandbox. Requires account read access. Does not issue, purchase, change, or cancel coverage. A saved payment method alone is not proof of payment, completed human review, or coverage; the recorded effective date determines when coverage starts. Private identity fields, original filenames, document contents and service-request history are excluded.

umbrella_consumer_policy

Previews policy support, cancellation, or refund requests. confirm_request records explicit customer approval to send the request; it does not itself confirm a cancellation or refund. Returns the current request's type, status, requested effective date and consequences without echoing reason, details or prior requests. Restricted identifiers, credentials, and payment information are excluded from the request.

umbrella_consumer_service

Compare the total cost of keeping existing home and auto insurance with standalone umbrella coverage versus moving all three to a bundle. Enter annual net premiums, required underlying-limit upgrades, and one-time switching cost. Returns first-year and multi-year totals, savings, and the first whole break-even year. Flags unverified coverage comparability; no carrier prices are invented.

umbrella_bundle_comparison

Returns an application progress card and secure_action_url for the authenticated Coverage Cat page after offer selection. The active card checks secure details, declarations, payment setup, and underwriting, and can request a conversation update when status changes. Closed or suspended cards cannot provide reliable notifications. This operation accepts no files, download URLs, file references, or document contents; declarations are uploaded on Coverage Cat.

umbrella_consumer_progress

Records an explicit offer choice and a separately collected answer to the required soft-credit-consent question. Returns the application progress card and secure Coverage Cat page for private details after selection. Estimates remain subject to underwriting; selection does not save payment information or confirm coverage. Human verification and review are required before the customer is charged; choosing an estimate does not complete that review.

umbrella_consumer_select

Creates an umbrella estimate draft or saves supplied coverage requirements, exposure counts, household size, and driver age-band counts on the connected customer's existing unapproved draft. Returns its review and missing estimate inputs. After review approval, resumes status without changing answers. Estimates require separate review approval; this operation does not submit to a carrier. Personal identifiers, exact ages or birth dates, wealth, occupation, relationships, underwriting history, and documents are excluded. Private application details are collected on Coverage Cat after offer selection to comply with platform personal-data handling policies.

umbrella_consumer_prefill

Compare how much umbrella coverage to consider from net worth, independently confirmed protected assets, an optional income allowance, and the lowest applicable underlying liability limit. Returns the arithmetic target, additional limit needed, and $0/$1M/$2M/$3M/$5M/$10M scenarios. This is planning, not a quote or a determination of legally exposed assets.

umbrella_limit_planner