# OpenInsure

## Docs

- [API Reference](https://handbook.mhchq.ai/api/reference.md): Interactive REST API reference, authentication, base URLs, rate limits, webhooks, and error handling
- [Domicile Guide](https://handbook.mhchq.ai/captive/domicile-guide.md): Formation requirements, minimum capital, annual fees, and filing deadlines for supported captive domiciles
- [Loss Fund Tracking](https://handbook.mhchq.ai/captive/loss-fund.md): Funded ratio monitoring, stop-loss integration, solvency thresholds, and actuarial projections
- [Captive Overview](https://handbook.mhchq.ai/captive/overview.md): Infrastructure for single-parent captives, group captives, and Protected Cell Companies
- [HIPAA Compliance](https://handbook.mhchq.ai/compliance/hipaa.md): PHI field taxonomy, storage isolation, audit logging, runtime redaction, and BAA obligations
- [Surplus Lines Tax Compliance](https://handbook.mhchq.ai/compliance/surplus-lines.md): Surplus lines vs admitted markets, state tax rates, stamping fees, filing workflows, and non-admitted carrier compliance
- [CI/CD & Developer Tooling](https://handbook.mhchq.ai/contributing/ci-cd.md): Woodpecker CI pipeline on Hetzner k3s, quality gates, supply chain security, and automated dependency management
- [Database Migrations](https://handbook.mhchq.ai/contributing/database-migrations.md): Unified migration workflow across PlanetScale, D1, SpiceDB, Postgres (Documenso), and TigerBeetle
- [Database Schema](https://handbook.mhchq.ai/contributing/database-schema.md): Drizzle ORM schema, 5-keyspace vertical split, tenant isolation, and migration workflow for PlanetScale (Vitess 22.0)
- [Design System](https://handbook.mhchq.ai/contributing/design-system.md): 2026 Premium Design System — font stack, icons, tokens, and domain typography utilities
- [Local Development](https://handbook.mhchq.ai/contributing/local-development.md): Docker Compose services, environment setup, Make commands, and dev server configuration for the OpenInsure monorepo.
- [Packages Overview](https://handbook.mhchq.ai/contributing/packages-overview.md): Quick-reference guide to all @openinsure/* packages in the monorepo — purpose, key exports, and which apps consume each package.
- [URL State — nuqs](https://handbook.mhchq.ai/contributing/url-state.md): Persisting filter and view state in the URL using nuqs across all portals
- [Platform Architecture](https://handbook.mhchq.ai/getting-started/architecture.md): Edge-native distributed architecture, data flow, HIPAA isolation, and multi-tenancy model
- [Introduction to OpenInsure](https://handbook.mhchq.ai/getting-started/introduction.md): Open-source, edge-native insurance operating system for MGAs, captives, and Risk Retention Groups
- [Quickstart Guide](https://handbook.mhchq.ai/getting-started/quickstart.md): Get a full OpenInsure development environment running in under 10 minutes
- [ACORD Form Extraction](https://handbook.mhchq.ai/integrations/acord-extraction.md): AI-powered extraction of structured data from ACORD 125, ACORD 200, and supplemental applications — the @openinsure/acord package.
- [Carrier Gateway](https://handbook.mhchq.ai/integrations/carrier-gateway.md): Multi-carrier submission routing, appetite checking, bordereaux SFTP export, and the built-in carrier database
- [Certificates of Insurance](https://handbook.mhchq.ai/integrations/coi.md): ACORD 25 certificate generation, additional insured logic, and batch issuance via @openinsure/coi
- [FMCSA QCMobile API](https://handbook.mhchq.ai/integrations/fmcsa-api.md): Endpoints, authentication, response field mappings, and rate limit strategy for the FMCSA QCMobile API
- [X12 EDI](https://handbook.mhchq.ai/integrations/x12-edi.md): X12 EDI transaction sets for claims payment, member enrollment, professional claims, and freight — the @openinsure/x12 package.
- [Claims Handling Guidelines](https://handbook.mhchq.ai/manuals/claims-handling.md): Claims handling procedures for OpenInsure — FNOL standards, investigation protocols, reserve adequacy, coverage determinations, settlement authority, SIU referrals, and regulatory requirements.
- [Compliance Manual](https://handbook.mhchq.ai/manuals/compliance.md): Compliance Manual for OpenInsure — producer licensing, appointments, surplus lines, state filing calendar, cancellation/non-renewal notice requirements, OFAC screening, GLBA privacy, market conduct, E&O, and HIPAA.
- [Finance Operations Manual](https://handbook.mhchq.ai/manuals/finance-operations.md): Finance Operations Manual for OpenInsure — TigerBeetle ledger, premium receivable workflows, agency vs. direct bill, trust accounting, reconciliation, commission accounting, statutory reporting, and reinsurance accounting.
- [Policyholder Guide](https://handbook.mhchq.ai/manuals/policyholder-guide.md): A complete guide for OpenInsure policyholders — understanding your policy, making payments, filing claims, requesting certificates, managing endorsements, and understanding your rights.
- [Producer Manual](https://handbook.mhchq.ai/manuals/producer.md): Comprehensive operational manual for appointed producers and agents — covering appointment, submission, binding, endorsements, cancellations, commissions, and surplus lines procedures.
- [Underwriting Guidelines](https://handbook.mhchq.ai/manuals/underwriting-guidelines.md): Operational underwriting guidelines for OpenInsure MGA — risk appetite, authority matrix, rating methodology, referral triggers, declination procedures, and renewal standards.
- [Bordereaux Automation](https://handbook.mhchq.ai/mga/bordereaux.md): Automated premium and claims bordereaux reporting to carriers and reinsurers
- [Delegated Authority](https://handbook.mhchq.ai/mga/delegated-authority.md): Configure, enforce, and monitor carrier delegated authority agreements
- [Loss Runs](https://handbook.mhchq.ai/mga/loss-runs.md): Loss run request workflow, CSV/PDF extraction, 5-year loss analysis, trend detection, and risk flagging — the @openinsure/loss-runs package.
- [MGA Overview](https://handbook.mhchq.ai/mga/overview.md): Submission intake, underwriting workbench, carrier relationships, and program management for Managing General Agents
- [Producer Onboarding](https://handbook.mhchq.ai/mga/producer-onboarding.md): End-to-end producer onboarding journey including appointments, E&O verification, state licensing, NIPR integration, and sanctions screening
- [Producer Portal](https://handbook.mhchq.ai/mga/producer-portal.md): Self-service submission, policy management, commission tracking, and agency integrations
- [Access Control](https://handbook.mhchq.ai/platform/access-control.md): Cloudflare Access + Azure AD Zero Trust setup for all OpenInsure portals and documentation sites.
- [Analytics](https://handbook.mhchq.ai/platform/analytics.md): KPI computation, predictive modeling, AI spend monitoring, and Tinybird integration via @openinsure/analytics
- [Approval Matrix](https://handbook.mhchq.ai/platform/approval-matrix.md): Authority profiles, referral rules, and configurable approval workflows
- [Authentication](https://handbook.mhchq.ai/platform/auth.md): How to authenticate with the OpenInsure API and portals
- [Premium Billing](https://handbook.mhchq.ai/platform/billing.md): Installment plans, Stripe integration, commission accounting, and fiduciary trust management
- [Carrier Alerts](https://handbook.mhchq.ai/platform/carrier-alerts.md): FMCSA carrier alert monitoring — daily cron, alert types, acknowledgment workflow, and UW workbench integration
- [Carrier Portal](https://handbook.mhchq.ai/platform/carrier-portal.md): Portfolio management, bordereaux, claims oversight, and binding authority for carriers
- [Catastrophe Events](https://handbook.mhchq.ai/platform/catastrophe.md): CAT event declaration, claim tagging, exposure tracking, and aggregate loss monitoring
- [Claims Management](https://handbook.mhchq.ai/platform/claims.md): FNOL to settlement — reserve management, subrogation, litigation, and payment disbursement
- [Compliance Portal](https://handbook.mhchq.ai/platform/compliance.md): Producer licensing, state filings, compliance analytics, and regulatory oversight for the Compliance team
- [Deal Rooms](https://handbook.mhchq.ai/platform/deal-rooms.md): Real-time WebSocket collaboration for underwriting submissions — chat, annotations, and shared notepad
- [Disbursements & Payments](https://handbook.mhchq.ai/platform/disbursements.md): Payee management, payment methods, sanctions screening, dual-control approval, and check printing
- [Email Intake](https://handbook.mhchq.ai/platform/email-intake.md): AI-powered email processing pipeline for automatic submission creation from shared mailbox messages
- [Finance Portal](https://handbook.mhchq.ai/platform/finance.md): TigerBeetle ledger views, AR aging, statutory reports, reconciliation, and report builder for the Finance / Accounting team
- [Fleet Management](https://handbook.mhchq.ai/platform/fleet-management.md): Motor carrier management, FMCSA integration, driver records, vehicle inventory, VIN reconciliation, and telematics scoring
- [FMCSA Data Pipeline](https://handbook.mhchq.ai/platform/fmcsa-data.md): Raw snapshot storage, historical trend queries, and MCP tool integration for FMCSA carrier data
- [Fraud Detection & SIU](https://handbook.mhchq.ai/platform/fraud-siu.md): AI-powered fraud scoring, red flag detection, SIU referral workflows, and feedback-driven precision tracking
- [MCP Server](https://handbook.mhchq.ai/platform/mcp-server.md): Model Context Protocol server exposing OpenInsure tools and resources to Claude and other LLMs
- [Mobile App](https://handbook.mhchq.ai/platform/mobile-app.md): Policyholder mobile app — Expo SDK 55, React Native 0.84, OTP auth, offline cache, NativeWind, and EAS deployment.
- [Notifications](https://handbook.mhchq.ai/platform/notifications.md): Multi-channel notification system — email (Microsoft Graph / Resend), SMS (Twilio), Microsoft Teams, Slack, and in-app.
- [Policy Lifecycle](https://handbook.mhchq.ai/platform/policy.md): State machine, transition rules, endorsements, cancellations, and renewals
- [Rate Tables & Rating Engine](https://handbook.mhchq.ai/platform/rate-tables.md): Database schema, factor waterfall, seed data, and the interactive rater in the Underwriting Workbench
- [Reinsurance Management](https://handbook.mhchq.ai/platform/reinsurance.md): Quota share, excess of loss, and aggregate XL treaty management — cession calculations, statements, and cash calls via @openinsure/reinsurance.
- [State Requirements](https://handbook.mhchq.ai/platform/state-requirements.md): State-specific coverage minimums, document requirements, filing rules, and domicile configuration
- [Testing](https://handbook.mhchq.ai/platform/testing.md): Vitest unit testing, Playwright E2E, MSW mocking, coverage enforcement, and test data conventions across the OpenInsure monorepo.
- [Rating Engine & Underwriting](https://handbook.mhchq.ai/platform/underwriting.md): Deterministic actuarial rating, supported lines, rule execution, and the Underwriting Workbench
- [Webhooks](https://handbook.mhchq.ai/platform/webhooks.md): Inbound and outbound webhook integrations for Stripe, Persona, Resend, and e-signature providers
- [Submission Work Queue](https://handbook.mhchq.ai/platform/workqueue.md): Triage scoring, swimlane routing, and the underwriter submission work queue
- [RRG Compliance](https://handbook.mhchq.ai/rrg/compliance.md): LRRA framework, NAIC filing requirements, Schedule F reinsurance reporting, and reciprocal state registration
- [Claims Adjuster Guide](https://handbook.mhchq.ai/user-guides/claims-adjuster.md): End-user guide for claims adjusters — managing the full claims lifecycle from FNOL through investigation, reserve management, and settlement.
- [Compliance Portal](https://handbook.mhchq.ai/user-guides/compliance.md): End-user guide for compliance officers — producer licensing, state filings, regulatory deadlines, and compliance analytics.
- [Finance Portal](https://handbook.mhchq.ai/user-guides/finance.md): End-user guide for finance analysts — TigerBeetle ledger, AR aging, statutory reports, reconciliation, and report builder.
- [User Guides](https://handbook.mhchq.ai/user-guides/index.md): End-user guides for policyholders, producers, underwriters, claims adjusters, finance analysts, and compliance officers using OpenInsure.
- [Producer Portal](https://handbook.mhchq.ai/user-guides/producer.md): End-user guide for producers and agents — submitting new business, managing renewals, tracking commissions, and issuing certificates.
- [Underwriting Workbench](https://handbook.mhchq.ai/user-guides/underwriter.md): End-user guide for underwriters — managing the submission queue, risk analysis, quoting, binding, and endorsements.

## OpenAPI Specs

- [openapi](https://handbook.mhchq.ai/api-reference/openapi.json)