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European insurance data model to MCP work item

DirectStandards work item not published finalCIOCRO

A CEN/BSI work proposal maps insurance contract and policy data modeled under EN 18356-1 to agent tools, including consent and rules.

Open in the interactive insurance map →

Executive question

Could standards-based insured information access avoid bespoke carrier integrations?

What to measure

  • Published draft maturity and adoption
  • Field mapping completeness
  • Consent-control adequacy
  • Implementation compatibility tests

Relevant products and standards

A proposed CEN Technical Report (guidance, not a standard) on exposing EN 18356-1 insurance data through MCP. Open for comment until 14 Nov 2026.

MCP Published specificationRelevant example

Model Context Protocol: the standard way an AI agent connects to tools and data. Created by Anthropic (Nov 2024); donated to the Linux Foundation's Agentic AI Foundation on 9 Dec 2025.

CEN insurance contract data → MCP work itemMCP

Relevant examples, not documented integrations, completeness, certification or endorsement. Listed alphabetically.

Evidence and current limits

Strategic pathway; not an observed market-wide adoption rate.

Draft analysis, under editorial review.

Other pathways

INS01 · Personal agents compare insurer offeringsINS02 · Agent-led renewal shopping and switchingINS03 · Broker / aggregator displacement and augmentationINS04 · Agent-mediated coverage selection and demand-and-needsINS05 · Insurance bundled into agentic purchase journeysINS06 · Automated small-business insurance procurementINS07 · Machine-readable insurance product and coverage evidenceINS08 · Authorized policyholder agent servicingINS09 · Insurance first contact without website visitsINS10 · Life and health: eligibility, disclosures and protected dataINS11 · Agent-mediated cancellations, complaints and redressINS12 · Commercial broker submission and market placement agentsINS13 · Agentic underwriting intake and triageINS14 · Agent-orchestrated pricing and risk appetiteINS15 · MGA delegated underwriting and limitsINS16 · Underwriter knowledge and human judgment preservationINS17 · Insurance suitability in a multi-carrier agent-to-agent marketINS18 · Agentic first notice of loss (FNOL)INS19 · Multi-agent low-complexity claims processingINS20 · Customer-agent-initiated claims and status checksINS21 · Fraud investigation and coordinated agent abuseINS22 · Agentic repair, assistance and supplier coordinationINS23 · Agent-led claims disputes, redress and auditabilityINS24 · Insuring autonomous-agent errors, omissions and liabilityINS25 · Agentic cyber threats and cyber-risk mitigationINS26 · Autonomous mobility, robotics and product liabilityINS27 · Proactive risk prevention and parametric response agentsINS28 · AI concentration and data-center insured accumulationINS29 · Agent-assisted treaty and facultative submission flowsINS30 · Contract wording intelligence and agent interpretationINS31 · AI-agent correlated risk and systemic accumulationINS32 · Agentic capacity access for specialty and MGAsINS33 · Authorization of external customer and broker agentsINS34 · Explainable underwriting, fairness and conductINS35 · Insurance agent orchestration audit trails and human controlINS36 · Insurance regulators diverge by jurisdictionINS37 · Third-party and model concentration resilienceINS38 · Insurance-specific consent/quote/bind protocol convergenceINS39 · Agent access to existing insurance data exchange infrastructureINS41 · London market Core Data Record and digital transactionsINS42 · Vendor-specific insurance agent mesh across legacy coresINS43 · Insurance product-directory and agent-execution observability