# Kinro docs for AI agents

> Kinro is a licensed commercial insurance brokerage for U.S. small businesses. Agents connect to its AI insurance advisor over MCP at https://api.kinro.com/mcp (Streamable HTTP, no authentication) to get coverage advice and real carrier quotes.

Load the agent skill first: https://kinro.com/docs/skill.md. Every page is also served as HTML at the same URL without .md. The machine-readable tool list is https://kinro.com/docs/mcp-tools.json.

## Get started

- [Kinro for AI agents](https://kinro.com/docs.md): Connect any AI agent to Kinro, a licensed commercial insurance brokerage, to get coverage advice and real carrier quotes for U.S. small businesses.
- [Quickstart](https://kinro.com/docs/quickstart.md): Add the Kinro MCP server to Claude, ChatGPT, Codex, Cursor, VS Code or any MCP client. No account or API key.
- [Agent skill](https://kinro.com/docs/skill.md): One Markdown file that teaches your agent to use Kinro well: the conversation loop, relaying rules and status handling.

## Using Kinro

- [Conversations](https://kinro.com/docs/conversations.md): How a conversation with Kinro works: conversation IDs, statuses, messages, timing and relaying the user faithfully.
- [Quotes](https://kinro.com/docs/quotes.md): How Kinro prepares carrier quotes, what a quote message contains, and how users buy on kinro.com.
- [Documents](https://kinro.com/docs/documents.md): Share policies, declarations pages, certificates of insurance and loss runs with Kinro.

## Reference

- [Tool reference](https://kinro.com/docs/tools.md): Every Kinro MCP tool with its inputs, outputs and annotations, generated from the server itself.
- [Errors and limits](https://kinro.com/docs/errors.md): HTTP responses, tool errors, rate limits and how to retry safely.
- [Changelog](https://kinro.com/docs/changelog.md): Changes to the Kinro MCP and Kinro's agent behavior that agents and users can observe.

## Trust

- [Trust and data](https://kinro.com/docs/trust.md): Who is accountable, what Kinro's agent will and will not do, what Kinro receives and shares, and the user's choices.

## Optional

- [All docs in one file](https://kinro.com/docs/llms-full.txt)
- [Kinro company overview](https://kinro.com/llms.txt)