Your AI Assistant Can Now Request Business Insurance From OnePark

About the author

Reza Azar · Senior Insurance Broker · OnePark Risk

What an AI agent can do for your business at OnePark

Most insurance websites are built for a person with a phone. OnePark built its process so that an AI agent or assistant acting for a business can take part with nothing more than a browser and email: it reads the published instructions for AI agents, fills in the same forms a person would, and OnePark’s brokers reply by email to an inbox the business controls. No MCP server, API key, or integration is required, and no phone call or meeting is needed to start. Optional JSON endpoints exist for agents that prefer them, but the browser forms are sufficient on their own. In practice, an assistant can:

• Gather the facts a broker needs: the legal name, website, where the business operates, what it does, what it wants to accomplish, and when coverage needs to be in place.
• Submit a broker review request at /ai-agents/submit when the business wants guidance first, or file the complete Business Application when its answers are ready.
• Read the emails the brokers send, answer the follow-up questions it can answer, and hand you anything it cannot.
• Keep the request reference so that you or the assistant can check on the request later.

Which coverages your assistant can request

OnePark is an independent brokerage for startups, technology companies, and growing businesses. An assistant can request any of the lines OnePark places, or simply ask the brokers to help determine what is needed. The coverage pages below explain each line in plain terms, and an assistant can read them before it submits:

• Cyber insurance for startups: the policy that responds to a breach, an outage, or a ransomware event, and to liability for client data.
• Technology errors and omissions insurance: claims that a software product or technology service failed to perform as promised.
• D&O insurance for startups, with the broader directors and officers insurance explainer: protection for founders, board members, and the company when management decisions are challenged.
• Employment practices liability insurance: claims by employees and candidates, including the EPLI considerations for technology companies.
• Commercial coverage for an operating business, starting from the startup insurance guide or the page on insurance for SaaS companies; larger technology companies can start from the senior-broker review for technology companies.
• Private client coverage for founders and executives, requested the same way.

How it works, step by step

There are two doors, and both reach the same brokers. The how-it-works page describes each in detail; this is the view from the business’s side.

• You give the assistant permission and the facts. The request form asks the assistant to acknowledge that it has permission to submit the business’s information and request an insurance review, and that OnePark may need confirmation from the business’s authorized representative before proceeding.
• The assistant submits a broker review request when the business wants guidance first, or files the complete Business Application when the answers are ready. A question the business genuinely cannot answer is marked as unknown rather than guessed.
• For a request, the follow-up inbox receives a confirmation email with a link, and the business’s authorized representative receives a separate email with the options to authorize insurance shopping, correct the details, or decline. A broker reads the request as soon as it is saved, before either link is used.
• For an application, the representative receives an acknowledgement with the application reference, and a broker starts from the completed application. There is no link to click.
• From there, everything is email: questions, the options the markets offer, and the next step. OnePark’s goal is a first substantive reply by email in one business day or less; that is a goal for the first response, not a promise that quotes, underwriting, or binding will be completed in that time.
• If the business decides to buy, its authorized representative approves the purchase in writing, and OnePark confirms in writing when coverage has been bound.

What to give your assistant before it starts

A request moves faster when the assistant has the facts up front. Before it starts, make sure it has:

• The legal business name, website, primary location, and any other operating locations.
• A plain description of what the business does, who its customers are, and roughly how large it is. Revenue and headcount ranges are enough, and an estimate can be labelled as an estimate.
• What prompted the request: a customer contract, a lease, fundraising, hiring, a renewal, or a gap in current coverage, and any deadline attached to it.
• Any coverage already in place, including the insurer and the renewal date, and any limits a contract requires.
• A monitored inbox for routine follow-up, and the name, role, and email of the person authorized to make insurance decisions for the business.

Where OnePark can help

OnePark is licensed in a specific set of US states, listed on the AI agents page and in the instructions. If your business is based elsewhere, have the assistant say so plainly in the request. OnePark will tell you by email whether it can help there or will refer the business elsewhere; the licensed-state list is not a promise of placement in any state.

What an AI agent cannot do

The limits matter as much as the capability, and they are the same for every assistant:

• An AI agent cannot bind coverage. Submitting a request or an application does not bind coverage and does not guarantee carrier approval or a quote.
• The business’s authorized representative approves any purchase in writing. An assistant’s acknowledgement on a form is not that approval.
• A receipt, a reference number, or an acknowledgement email confirms that OnePark received the submission. It is not evidence that coverage exists.
• The assistant should not invent business facts or underwriting answers. OnePark asks agents to label estimates and mark unknowns, and a broker will ask again when something is unclear.
• Availability depends on the business, its location, the coverage requested, and underwriting.

Why OnePark built for AI agents

Many businesses already use an assistant to draft the vendor questionnaire, read the lease, or compare the customer agreements that create insurance requirements in the first place. Asking that same assistant to start the insurance conversation is a natural next step, and it takes the phone call out of the first step. Being one of the first insurance brokerages designed and optimized to work with AI agents means, in practice, published instructions, a machine-readable discovery file, forms that accept an assistant’s submission, and brokers who work the follow-up by email. The judgement about what to buy stays with the brokers and with you.

For the people who build agents

If you build or configure agents, the companion guide, How AI Agents Request Coverage From OnePark: Instructions, Discovery File and Endpoints, walks through the instructions page, the discovery file, the two forms, and the optional JSON endpoints. The instructions for AI agents remain the authoritative reference for exact fields, statuses, and endpoint behaviour.

Can my AI assistant buy insurance for my company?

No. An assistant can gather the facts, submit a request or an application, and handle the email follow-up, but it cannot bind coverage. The business’s authorized representative approves any purchase in writing, and OnePark confirms in writing when coverage has been bound.

Does OnePark need an API key, a plugin, or an integration?

No. An assistant that can browse the web and read email uses the same forms a person does. The JSON endpoints described in the instructions are optional, for agents that prefer them.

Which AI assistants can use this?

Any of them. OnePark names ChatGPT, Claude, Gemini, Copilot, Perplexity, Grok, and others as examples, and custom agents are equally welcome. The assistant named in a request never affects whether the request is accepted.

Is the request a quote?

No. Submitting a request does not guarantee carrier approval or a quote. A broker reviews the request, asks follow-up questions by email, and shares the options when the markets respond.

What if my business is outside OnePark’s licensed states?

Have the assistant state the primary location clearly in the request. OnePark will tell you by email whether it can help there or will refer the business elsewhere.