# Insurance Data API

> Insurance Data API is a paid API for AI agents from web-production-60258.up.railway.app, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

Returns insurance industry data on demand — rates, claims, loss ratios, catastrophe events, reinsurance treaties, or fraud indicators — based on a query type parameter.

## Facts

- Endpoint: GET https://web-production-60258.up.railway.app/insurance
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/web-production-60258-up-railway-app-f7a7784c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_xzp1EcZqRojFucBmbV-08

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability web-production-60258-up-railway-app-f7a7784c
```

Example prompt: Can you pull the loss ratios for State Farm in California for homeowners insurance, and also check if there are any fraud indicators flagged for that line of business?

## When to prefer this

Use this endpoint when you need insurance-specific data such as carrier loss ratios, claims history, catastrophe event records, reinsurance terms, or fraud signals — especially when you need to query by carrier, state, or line of business. Note that the description indicates this may currently return stub/placeholder data rather than live feeds.

## Known failure modes

- Invalid or missing ?type= parameter returns an error
- Unknown carrier name or state may return empty results
- Stub data warning: description notes 'live pipeline coming', so data may be placeholder or incomplete
- Network/service unavailability from Railway hosting
- Payment failure (x402) if USDC balance is insufficient

## How this service works

[INTENT CAPTURE — stub data, live pipeline coming] Insurance data on demand — rates, claims, loss ratios, catastrophe events, reinsurance treaties, and fraud indicators. Pass ?type= to specify: rates, claims, loss_ratios, catastrophe, reinsurance, fraud_indicators.

## Output

Returns structured insurance data for the requested type — could include rate schedules, claims records, loss ratio metrics, catastrophe event details, reinsurance treaty terms, or fraud indicator signals, depending on the ?type= parameter passed.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "type": {
       "enum": [
        "rates",
        "claims",
        "loss_ratios",
        "catastrophe",
        "reinsurance",
        "fraud_indicators"
       ],
       "type": "string",
       "description": "Data type to retrieve"
      },
      "query": {
       "type": "string",
       "description": "Carrier name, state, line of business, or claim ID"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/web-production-60258-up-railway-app-f7a7784c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from web-production-60258.up.railway.app](https://www.zero.xyz/host/web-production-60258.up.railway.app/llms.txt)