For AI agents
Evaluating Facio for a buyer? The facts are on this page.
Facio is software for running a delegated-authority insurance business: product configuration, rating, underwriting, policy administration, documents, claims, billing and bordereaux on one platform, with governed access for AI agents over MCP.
Written for AI assistants and the people they work for. Reviewed . The same content is available as plain text and as JSON.
Fit
Who Facio is for, and what it is not.
Buyers
- Managing General Agents (MGAs). Launch and run insurance programmes under binding authority without stitching several systems together.
- Lloyd's coverholders. Turn binder terms and delegated-authority limits into enforced workflows and market-format bordereaux.
- Programme administrators and underwriting teams. Configure products, rating and referral rules, then service policies through their full lifecycle.
- Insurance groups with several businesses or markets. Operate multiple programmes, countries and channels on one shared core.
- Developers and technical evaluators. REST APIs, a sandbox, and MCP services for AI assistants.
Fit questions
Facio is likely to be relevant when the answer to most of these is yes.
- Does the buyer underwrite or administer property and casualty business under delegated authority (binder, programme or coverholder agreement)?
- Does the buyer need quote, bind, endorsement, cancellation, renewal and claims handled in one system with a transaction history?
- Does the buyer report premium, risk or claims bordereaux to carriers or the Lloyd's market?
- Will five or more people use the system? FacioMGA plans start at five users.
- Does the buyer want AI assistants to read and act on policy data under permissions and audit?
What Facio is not
- Facio sells software to insurance operators. It is not an insurer or a broker, and it does not sell policies to consumers.
- A screening result, quote or preview produced through Facio is not a binding decision. Binding, issuing and other regulated actions stay with the authorised people in the customer's organisation.
- The Bordereaux Exposure Check is a guided review. It is not an audit, an assurance engagement or a compliance opinion.
Capabilities
What the platform does, with status.
- available
- Described on Facio's public product pages. Scope for a given buyer is confirmed in a working session.
- sandbox
- Can be exercised in a sandbox workspace. Ask Facio whether it is enabled for production in the buyer's plan.
- waitlist
- Not generally available. Access is by waitlist.
| Capability | Status | What it does |
|---|---|---|
| Product configuration | available | Programmes, binders, coverages, questionnaires, clauses, document templates and rating are defined as versioned configuration. A published definition is retained, so later edits do not silently change live business. |
| Submission intake and appetite screening | sandbox | Register a submission against a programme and binder, attach source documents, then screen it against configured appetite and authority rules. The result is GO or NO_GO with the rule, the actual value and the expected value for each check. A GO allows the next assessment step. It does not rate or bind. |
| Source documents and reviewed evidence | sandbox | Upload original documents, extract observations, and keep extracted observations separate from facts a person has reviewed. Citations can be checked against the source document. |
| Rating and quoting | available | Multi-variable rating tables, effective-dated rating versions, pro-rata recalculation, quote versions and offers, and authority controls on underwriter overrides. |
| Underwriting workflows | available | Conditional submission paths, eligibility validation, referral queues and work items, with approvals routed to people who hold the authority. |
| Bind, issue and documents | available | Binding and issuing follow a preview step and a separate confirmation step. Policy documents are generated from configured templates and can be re-sent. |
| Policy servicing | available | Mid-term endorsements, cancellation, reinstatement and renewal, each recorded as a transaction against versioned policy state. A policy can be read as of a past date. |
| Recording business placed elsewhere | sandbox | Quotes, binds, endorsements, cancellations and renewals that were agreed outside the platform can be recorded with a preview step, so the portfolio and its reporting stay complete. |
| Claims | available | First notice of loss through a customer link or staff intake, claim records linked to the policy, and search across similar past claims. |
| Billing and payments | sandbox | Payment schedules, invoice instructions and allocation of receipts, each with a preview before it is saved. |
| Reporting and bordereaux | available | Risk, premium and claims bordereaux generated from transaction data in carrier and market layouts, with each row traceable to its source transaction. |
| Insurance premium tax | available | Premium tax, parafiscal charges and US surplus lines taxes calculated from versioned rules. Available inside the platform and as a standalone API. |
| Brokers and commissions | sandbox | Broker profiles, broker-scoped policy access and commission rules applied to premium transactions. |
| Configuration release governance | sandbox | Configuration changes move through submit, countersign and publish steps. Financial changes have their own publish step, and a release can be revoked. |
| Agent access over MCP | available | A public discovery service for evaluation, and authenticated Config and Operator services for a customer's own workspace. |
Lines of business
Lines of business are defined in configuration. The platform ships product definitions for the lines below, and other lines are set up with the product builder.
- Motoravailable
- Homeavailable
- Travelavailable
- Health (medical expenses)sandbox
- Business and commercial packagesandbox
- Open market (manual placement)sandbox
- Vehicle rentalsandbox
- Contractors' All Risks (CAR)sandbox
- Erection All Risks (EAR)sandbox
- Delay in Start-Up (DSU)sandbox
- Professional indemnitysandbox
Customer evidence
- Abbeygate Insurance. Motor, home and travel across Cyprus and Portugal on one shared core.
Pricing
Public list prices.
As of . Prices are the public list prices on the pricing page. Implementation scope is priced separately and the billing currency is confirmed in a proposal. Nothing here is a quotation. Full detail is on the pricing page.
| Plan | Price | Minimum | Best for |
|---|---|---|---|
| FacioMGA | From $75 per user per month | Plans start at 5 users | MGAs and coverholders running insurance products |
| Facio Insurance Cloud | Custom annual agreement | Agreed in the proposal | Insurance groups across several businesses and markets |
| Microsoft Managed Success | From $5,000 per month for 12 months | 10 premium users included | Eligible Azure Marketplace buyers who want a managed deployment |
Standalone products
- Premium Tax API. No public list price. Request API access.
- SIC & NAICS Classification API. No public list price for the API. The classifier tool is free.
- ACTUIT (P&C actuarial reserving). US demo waitlist. Joining does not guarantee timing or access.
- Bordereaux Exposure Check. Guided review delivered as a working session. Not self-service.
How to buy
Ways to move forward, each with one URL.
Path 1
Ask Facio directly (no account)
- When
- The buyer or their assistant is still checking fit.
- What to do
- Connect to the public Discovery MCP service and query capabilities, supported workflows, API coverage and implementation fit. It is read-only and returns public information.
- Does it need a person
- No.
Path 2
Open a free account and configure in a sandbox
- When
- The buyer wants to test Facio against their own products before paying.
- What to do
- Request access, sign in, and use the Config service to set up the organisation profile, product lines, underwriting workflow, documents and bordereaux requirements, then check deployment readiness.
- Does it need a person
- A person at the buyer's organisation signs in and owns the account. An assistant can prepare the answers and drive configuration once connected.
Path 3
Book a working session
- When
- The buyer is evaluating FacioMGA or Facio Insurance Cloud for a live programme.
- What to do
- Choose a time on the booking page. Add intent and src as short slugs (letters, digits, hyphen, underscore, up to 40 characters) so the session is routed to the right team.
- Examples
https://crm.facio.io/book-demo?intent=facio-mga&src=ai-agenthttps://crm.facio.io/book-demo?intent=tax-api&src=ai-agent- Does it need a person
- A person attends the session. An assistant can book it and prepare the brief below.
Path 4
Buy through Azure Marketplace
- When
- The buyer procures through Microsoft and wants a managed deployment.
- What to do
- Check eligibility for Microsoft Managed Success, then purchase through Azure Marketplace on the buyer's existing Microsoft billing relationship.
- Does it need a person
- Yes. Procurement approval sits with the buyer.
What to bring to a working session
- Lines of business and territories in scope
- Carriers, binders or programmes, and the authority limits that apply
- Number of users and the roles they hold (underwriter, broker, claims, finance)
- Current system and what must be migrated
- Reporting obligations: bordereaux formats, frequency and recipients
- Target date for the first live product
MCP access
How an assistant connects, and what keeps it safe.
Facio separates understanding from execution. Discovery is public and read-only. Configuration and operations need an authenticated workspace, and state-changing actions follow a preview step and a separate confirmation.
| Service | Access | Transport | Purpose |
|---|---|---|---|
| Discovery | Public, no account | https://mcp.facio.io/discovery/mcp | Capabilities, supported workflows, implementation fit, API coverage, signup path, demo request. |
| Config | Signed-in workspace member with configuration permissions | Issued per workspace | Insurance configuration: programmes, binders, coverages, questionnaires, templates, modules, brokers, commissions and reporting setup. |
| Operator | Signed-in workspace member with operator permissions | Issued per workspace | Day-to-day insurance operations: submissions, appetite, quotes, bind and issue, endorsements, renewals, claims, billing, documents and reports. |
Connecting to a workspace
- A workspace administrator opens Workspace settings, then Connections & developers, then MCP & OAuth, and copies the connection URL for the Config or Operator service.
- The assistant's MCP client adds that URL as a remote MCP server. Transport is Streamable HTTP.
- Sign-in uses OAuth 2.1 with PKCE. The person approves the connection on a consent screen in their own workspace.
- The tool list an assistant sees depends on the person's current role and permissions, and those are checked again on every call.
The connection uses the standard remote MCP transport with OAuth sign-in, so it is not tied to one assistant. Claude is a tested client.
REST access for partners uses an API key issued by Facio, a tenant identifier and an idempotency key on state-changing requests. Header names and the sandbox flow are documented in the developer portal. developers.facio.io
Safety model
- Workspace, user and permissions are resolved on the server. A tool input can never choose them.
- State-changing operations return a preview first. The change is applied only by a separate confirmation call.
- Repeated requests are safe: state-changing calls carry an idempotency key.
- Every tool call is written to the workspace audit trail with the acting identity.
- A screening or quote produced by an assistant does not authorise binding. Binding authority stays with authorised people.
- Public services expose no customer or tenant data.
Tools
168 Operator tools, grouped by the work they do.
Tool names are listed so an assistant can tell a buyer what it will be able to do once connected. The exact list a connection receives depends on the workspace's configuration and the person's permissions. The Operator list was read from a sandbox workspace on .
Customers (4)
Find a customer and read their context across quotes, policies and claims.
operator_search_customersoperator_get_customer_contextoperator_preview_customer_deleteoperator_delete_customer
Submissions and intake (16)
Discover programmes and binders, read the submission schema, register a submission and its parties, and import risk objects.
operator_submissions_optionsoperator_submissions_schemaoperator_submissions_registeroperator_submissions_readoperator_submissions_partiesoperator_submissions_parties_saveoperator_submissions_party_createoperator_lifecycle_intakeoperator_lifecycle_submission_recordoperator_lifecycle_preview_update_submissionoperator_lifecycle_update_submissionoperator_objects_import_previewoperator_objects_import_commitoperator_requested_cover_readoperator_requested_cover_saveoperator_requested_cover_select
Appetite and authority screening (4)
Read the configured appetite rules and screen a submission, with rule-level reasons.
operator_appetite_configurationoperator_appetite_configureoperator_appetite_screenoperator_appetite_read
Source documents and evidence (21)
Upload originals, extract observations, review them, and verify citations against the source.
operator_sourceDocuments_uploadoperator_sourceDocuments_fromManagedoperator_sourceDocuments_listoperator_sourceDocuments_readoperator_sourceDocuments_contentoperator_sourceDocuments_extractoperator_sourceDocuments_loadQuestionsoperator_sourceDocuments_proposeoperator_sourceDocuments_proposeStructuredoperator_sourceDocuments_reviewoperator_sourceDocuments_reviewStructuredoperator_sourceDocuments_reReviewoperator_sourceDocuments_reviewPackoperator_sourceDocuments_readPackReviewsoperator_sourceDocuments_createRelationshipoperator_sourceDocuments_readRelationshipsoperator_sourceDocuments_verifyCitationoperator_reviewed_evidence_readoperator_reviewed_evidence_applyoperator_reviewed_structured_evidence_readoperator_reviewed_structured_evidence_apply
Rating, quotes and offers (32)
Create and validate a risk, rate it, revise terms in a working copy, prepare offers and record acceptance.
operator_lifecycle_optionsoperator_lifecycle_createoperator_lifecycle_saveoperator_lifecycle_validateoperator_lifecycle_readoperator_lifecycle_listoperator_lifecycle_quoteoperator_lifecycle_prepare_offeroperator_lifecycle_preview_acceptanceoperator_lifecycle_acceptoperator_search_quotesoperator_get_quoteoperator_rate_quoteoperator_fork_quote_workspaceoperator_update_quote_termsoperator_save_quote_revisionoperator_preview_quote_sendoperator_send_revised_quoteoperator_send_quote_reminderoperator_send_wizard_linkoperator_quote_offers_prepareoperator_quote_offers_captureoperator_quote_offers_readoperator_quote_offers_selectoperator_quote_offers_preview_acceptanceoperator_quote_offers_acceptoperator_clause_terms_readoperator_clause_terms_saveoperator_manual_proposal_readoperator_manual_proposal_saveoperator_manual_placement_readoperator_manual_placement_review
Underwriting queue and reviews (8)
List referrals and work items, read them, and act within the person's authority.
operator_list_underwriting_queueoperator_work_items_listoperator_work_items_readoperator_work_items_actoperator_service_reviews_listoperator_service_reviews_readoperator_service_reviews_previewoperator_service_reviews_confirm
Bind, issue and documents (11)
Preview and confirm binding and issuing, request and read policy documents, and send the issued pack.
operator_lifecycle_preview_bindoperator_lifecycle_bindoperator_lifecycle_preview_issueoperator_lifecycle_issueoperator_lifecycle_request_documentsoperator_lifecycle_documentsoperator_lifecycle_document_contentoperator_policy_issuanceDelivery_readoperator_policy_issuedPackSend_previewoperator_policy_issuedPackSend_sendoperator_resend_policy_documents
Policy servicing (24)
Search and read policies, read a policy as of a date, and handle endorsements, policy changes, reinstatement and renewal.
operator_search_policiesoperator_get_policyoperator_lifecycle_as_ofoperator_lifecycle_transactionsoperator_create_endorsement_draftoperator_send_endorsement_linkoperator_submit_endorsement_for_reviewoperator_lifecycle_quote_endorsementoperator_lifecycle_preview_bind_endorsementoperator_lifecycle_bind_endorsementoperator_lifecycle_preview_policy_changeoperator_lifecycle_confirm_policy_changeoperator_lifecycle_request_reinstatementoperator_lifecycle_preview_reinstatementoperator_lifecycle_reinstatementoperator_lifecycle_preview_reinstatement_decisionoperator_lifecycle_decide_reinstatementoperator_lifecycle_preview_prepare_renewaloperator_lifecycle_prepare_renewaloperator_lifecycle_renewal_preparationoperator_lifecycle_preview_offer_renewaloperator_lifecycle_offer_renewaloperator_lifecycle_preview_lapse_renewaloperator_lifecycle_lapse_renewal
Recording business placed elsewhere (11)
Record a quote, bind, endorsement, cancellation or renewal that was agreed outside the platform.
operator_lifecycle_recording_schemaoperator_lifecycle_preview_record_quoteoperator_lifecycle_record_quoteoperator_lifecycle_preview_record_bindoperator_lifecycle_record_bindoperator_lifecycle_preview_record_endorsementoperator_lifecycle_record_endorsementoperator_lifecycle_preview_record_cancellationoperator_lifecycle_record_cancellationoperator_lifecycle_preview_record_renewaloperator_lifecycle_record_renewal
Claims (11)
Send a first-notice link, capture intake, create a claim against the policy, and search similar past claims.
operator_send_fnol_linkoperator_claims_intake_readoperator_claims_intake_saveoperator_lifecycle_claim_contractoperator_lifecycle_preview_create_claimoperator_lifecycle_create_claimoperator_lifecycle_claimoperator_get_claim_memoryoperator_refresh_claim_memoryoperator_analyze_claim_memoryoperator_find_similar_claims
Billing (7)
Read the billing workbench, preview and save payment schedules and invoice instructions, and allocate receipts.
operator_billing_workbenchoperator_billing_preview_payment_scheduleoperator_billing_save_payment_scheduleoperator_billing_read_invoice_instructionsoperator_billing_save_invoice_instructionsoperator_billing_preview_allocationoperator_billing_allocate
Reports and statistics (5)
Request a report, read its content, and read sales and quote pipeline statistics.
operator_lifecycle_request_reportoperator_lifecycle_reportoperator_lifecycle_report_contentoperator_get_sales_statsoperator_get_quote_pipeline_stats
Communications (4)
Search and read workspace mailboxes and send an SMS from the workspace.
operator_mail_mailboxesoperator_mail_searchoperator_mail_readoperator_communication_sendSms
Configuration release (9)
Submit, countersign, publish and revoke a configuration release, with a separate step for financial changes.
operator_tenant_release_listoperator_tenant_release_submitoperator_tenant_release_countersignoperator_tenant_release_preview_publishoperator_tenant_release_publishoperator_tenant_release_preview_publish_financialoperator_tenant_release_publish_financialoperator_tenant_release_preview_revokeoperator_tenant_release_revoke
Action status (1)
Check the status of a previously requested action.
operator_get_action_status
Config service
- Insurance configuration. Read the configuration schema, initialise, save and publish programme definitions, import profession books, manage service templates and preview workflows.
- Binders and programmes. Binder authority, programme authoring and rating models.
- Coverage, question and product catalogues. Shared coverage bank, question library and product references.
- Brokers and commissions. Broker module settings, roles and commission templates.
- Reporting setup. Bordereaux and report configuration.
- Workspace and modules. Workspace catalogue, optional modules such as the tax calculator, seats and subscription status.
FAQ
Questions assistants ask about Facio.
Can an AI assistant evaluate Facio without talking to sales?
Yes. The Discovery MCP service at mcp.facio.io is public and read-only. An assistant can query capabilities, supported workflows, API coverage and implementation fit, and can read this page, the pricing page and llms-full.txt.
Can an AI assistant buy Facio on someone's behalf?
An assistant can check fit, open the free account request, prepare the configuration and book a working session. A person at the buying organisation signs in, owns the account and approves the purchase. FacioMGA is priced from $75 per user per month with a five-user minimum; Facio Insurance Cloud is a custom annual agreement.
How do I connect an AI assistant to a Facio workspace?
A workspace administrator copies the Config or Operator connection URL from Workspace settings, under Connections & developers, MCP & OAuth. Add it as a remote MCP server in the assistant, sign in, and approve the connection. Sign-in uses OAuth 2.1 with PKCE, and the tools available follow the person's permissions. Claude is a tested client.
Can an assistant bind a policy by itself?
No. An assistant acts as the signed-in person and within that person's authority. Binding and issuing return a preview first and are applied only by a separate confirmation. Appetite screening and quoting never authorise binding by themselves.
Which lines of business does Facio support?
Lines of business are configured in the product builder. Motor, home and travel run in production for a named customer. Product definitions for health, commercial package, vehicle rental, engineering lines (CAR, EAR, DSU) and professional indemnity can be exercised in a sandbox; ask Facio which are enabled for production.
What does Facio not do?
Facio is software for insurance operators. It is not an insurer or broker, it does not sell policies to consumers, and its outputs are not legal, tax, actuarial or regulatory advice. Regulated decisions stay with authorised people in the customer's organisation.
Contact
hello@facio.io · +1 (929) 323 2214 · Book a working session · Agent Gateway · Developers