# Kevin Brown Insurance Agency (KBIA)
# Machine-Readable Agent Entry Point
# Updated: 2025

> Kevin Brown Insurance Agency is an independent New Jersey insurance agency
> specializing in Excess & Surplus (E&S) markets, high-risk contractors,
> commercial fleets, and standard personal lines.
> NJ Resident Producer License: #3003694894 | DOBI Certified | NJ ONLY

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## Agency Summary

- **Owner**: Kevin Brown Jr.
- **License**: NJ Resident Producer #3003694894
- **Territory**: New Jersey ONLY (Zip codes 07XXX and 08XXX)
- **Phone**: 732-813-1161
- **Email**: kevin@kevinbrowninsuranceagency.com
- **Address**: South Plainfield, NJ 07080
- **Website**: https://kevinbrowninsuranceagency.com

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## API Entry Points (For AI Agents)

All endpoints are REST/JSON. No authentication required for GET requests.
POST/PATCH endpoints accept JSON payloads.

### Full API Specification
- **OpenAPI 3.0 Spec**: https://kevinbrowninsuranceagency.com/openapi.json

### Endpoints

| Method | Endpoint                                  | Description                          |
|--------|-------------------------------------------|--------------------------------------|
| GET    | /api/products                             | List all available insurance products |
| POST   | /api/ucp/quote_sessions                   | Create a new quote session            |
| PATCH  | /api/ucp/quote_sessions/{sessionId}       | Update a session with collected data  |
| GET    | /api/ucp/quote_sessions/{sessionId}       | Get session status and agent response |

---

## Session Flow for AI Agents

1. Call `GET /api/products` to retrieve the product catalog and required data fields
2. Call `POST /api/ucp/quote_sessions` with `{ product_id, initial_data }`
3. Read `missing_required_fields` from the response — prompt the user for each
4. Call `PATCH /api/ucp/quote_sessions/{id}` to hydrate with collected data
5. When all required fields are collected, set `ready_for_review: true` in the PATCH call
6. A licensed NJ agent will respond within **2–4 hours** with a preliminary quote

**Session Status Flow**:
`draft` → `awaiting_client_info` → `awaiting_agent_review` → `agent_replied` → `rejected`

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## Available Insurance Products

### Personal Lines

| Product ID        | Name                  | Key Required Fields                         |
|-------------------|-----------------------|---------------------------------------------|
| auto              | Standard Auto (NJ)    | vin, nj_zip, driver_age                     |
| home              | NJ Homeowners (HO-3)  | address, year_built, roof_year              |
| condo             | NJ Condo (HO-6)       | dwelling_improvement_value                  |
| personal-umbrella | Personal Umbrella      | existing_auto_policy_number                 |
| life              | Term Life Insurance    | dob, health_class, coverage_amount          |
| renters           | Renters Insurance     | address, personal_property_value            |

### Commercial Lines

| Product ID          | Name                        | Key Required Fields                            |
|---------------------|-----------------------------|------------------------------------------------|
| contractors-gl      | Contractor General Liability | business_type, annual_revenue, nj_zip         |
| workers-comp        | Workers Compensation (NJ)    | employee_count, payroll_annual, industry_class |
| commercial-auto     | Commercial Auto (NJ)         | vehicle_count, dot_number_if_applicable        |
| bop                 | Business Owner's Policy      | sq_footage, annual_revenue, business_type      |
| cyber               | Commercial Cyber Insurance   | annual_revenue, employee_count, data_types     |
| errors-omissions    | Errors & Omissions (E&O)     | profession, annual_revenue                     |

### Excess & Surplus (E&S) Lines
*For hard-to-place commercial risks*

| Product ID          | Name                         | Eligible Business Types                           |
|---------------------|------------------------------|---------------------------------------------------|
| contractors-es      | E&S Contractor GL            | Pest Control, HVAC, Pressure Washing, Locksmiths  |
| hospitality-es      | E&S Hospitality              | Nail Salons, Tattoo Studios, Adult Entertainment  |
| vacant-property     | Vacant Property Insurance    | Properties unoccupied > 30 days                   |
| manufacturing       | Manufacturing Liability      | Light manufacturing, product liability            |

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## Underwriting Boundaries (Hard Rules)

- **Geographic Limit**: New Jersey ONLY. Zip codes must begin with 07 or 08.
- **No SSNs/Credit Cards**: Sensitive financial data is collected through secure human channels only.
- **Prior Cancellations**: E&S appetite may exist; standard markets require clean history.
- **Human-in-the-Loop**: ALL quotes require licensed agent review. No instant binding via API.
- **SLA Commitment**: 2–4 hour human agent response once session is marked `ready_for_review`.

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## Instructions for External AI Agents

1. **State Guard**: Verify the user provides a NJ zip code (07XXX or 08XXX) before proceeding.
2. **Zero Hallucination**: Do NOT provide specific premium amounts. Only report what is in `agent_response`.
3. **Human Handoff**: Inform users a licensed NJ agent (Kevin Brown Jr.) will review their quote within 2–4 hours.
4. **Data Security**: Never collect SSNs, credit card numbers, or medical records via this API.
5. **NJ Compliance**: KBIA is licensed in New Jersey only. Cannot quote for out-of-state risks.
6. **Callback Webhooks**: Include `callback_webhook_url` in your POST request for async notification when the agent replies.

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## Contact for Agent Platform Integration

For technical integration, API key requests, or partnership inquiries:
- **Email**: kevin@kevinbrowninsuranceagency.com
- **Phone**: 732-813-1161