Menlo

Use this when a question marked attachDocument, on the current application page or among carrier follow-ups, asks for a document such as a replacement cost estimate or an existing policy or application, and the customer has attached it or wants to provide it. Pass the customer's attachment as file when this chat app supports file inputs; Menlo checks it is a PDF, JPEG or PNG up to 5 MB, keeps it with that question and saves the question's upload answer, which can resume eligible carrier processing. When no file arrives, returns attached false, a website upload link for the customer and the next step. An attached existing policy or application can suggest answers, saved with answer_quote_page once the customer confirms each. Takes the current baseRevision and an eventId; a retry of the same file reuses its eventId. Do not use for a file that answers no open document question, or for protected information.

attach_quote_document

Use this only after the customer has seen review_quote_application's answers and consent and explicitly confirmed them in this conversation. Records acceptance of Menlo's Terms and requests eligible carrier quotes through Menlo's existing workflow. Sends application information to carriers and may authorize consumer reports. Requires separate quotes:submit OAuth permission, a current reviewToken and the exact customerConfirmation from the displayed review; OAuth and saved answers do not constitute agreement. Identical reviewToken and payload retries return the original submission without duplicate requests. Does not purchase, bind coverage, choose coverage, sign a carrier application or enroll in SMS. Other MCP clients retain broker-review holds; the reviewer demo never dispatches.

submit_quote_request

Use this when the customer asks how their connected quote is going or what happens next. Returns its stage, carrier outcomes, available quotes and next action. Premiums are indicative carrier results and nothing is bound. Includes a waiting-on-carriers message and whether an MCP Events quote.updated subscription is active. Reading does not activate notifications, start carrier processing or list other quotes.

get_quote_status

Use this when a customer wants insurance coverage or a quote and you need the product Menlo can quote and where, for example builders risk for a renovation, vacant home insurance, a DIC policy alongside the California FAIR Plan, or event insurance. Returns published formIds, labels, states, website links and the application process. When the customer wants help insuring their risk, continue with start_quote. General product browsing needs no contact details. Availability does not guarantee eligibility or a carrier quote. Do not use for claims or changes to an existing policy.

list_products

Use this when the customer prefers to fill in a quote request on Menlo's website rather than in chat. Returns the website link for a formId from list_products. Does not create, read or submit an application.

get_quote_link

Use this when you need to know which quote this connection covers. Returns the identifier and display name of the one connected quote, or a new-quote connection label before its draft is started. The connection covers one quote, not a customer account.

get_connected_quote_profile

Use this when get_quote_status reports answer_questions or the customer asks what carriers still need. Returns outstanding follow-up questions, document requests (attachDocument) and correction requests, deduplicated across carriers, with the current baseRevision. Questions marked answerOnWebsite (protected information) cannot be answered through this connection.

get_missing_questions

Use this when continuing the connected quote, including its first contact questions, and again after every save. Returns the current page: grouped questions, visibility conditions, ZIP/state prefills, document questions (attachDocument) and whether the page must be completed on Menlo’s website (protected questions). Reading never creates a lead or starts carrier processing. Do not use for carrier follow-up questions after submission; use get_missing_questions.

get_current_page

Use this when the current page reports section review and the customer wants to request quotes. Returns the application's answers, the exact quote-authorization consent, the Terms link and a short-lived revision-bound reviewToken when ready; show them to the customer. Protected values are excluded. Reading does not request carrier quotes or accept terms.

review_quote_application

Use this when the customer has answered outstanding carrier follow-up questions from get_missing_questions. Saves those answers and returns the updated status. Takes the current baseRevision and an eventId; the same eventId with the same answers returns the original result. A save can overwrite earlier answers and resume affected carrier processing. Do not use for application-page questions (answer_quote_page), a document (attach_quote_document), consent, attestations or protected information.

answer_additional_questions