plugin.json

{
  "$schema": "https://agent-plugins.org/schemas/1.0.0/plugin.schema.json",
  "name": "effective",
  "version": "1.0.1",
  "description": "Find and compare insurance filings, rate changes and coverage wording, review actuarial support and prepare working filings with Effective.",
  "author": {
    "name": "Effective AI, Inc.",
    "url": "https://effectiveailabs.com",
    "email": "support@effectiveailabs.com"
  },
  "homepage": "https://effectiveailabs.com",
  "license": "MIT",
  "keywords": [
    "insurance",
    "competitive-intelligence",
    "regulatory-research",
    "actuarial",
    "rate-filings",
    "coverage-comparison",
    "filing-preparation"
  ],
  "extensions": {
    "com.openai": {
      "interface": {
        "displayName": "Effective",
        "shortDescription": "Insurance filings and rates",
        "longDescription": "Ask about insurance carriers, products and regulatory filings, and get answers backed by the filings and source documents in Effective.\n\nWith the Effective plugin you can:\n- Find competitors' rate, rule and form filings for a line of business and state, with the filing behind each change.\n- Compare filed rate changes, including the indicated and selected changes, and tell filed, approved and effective changes apart.\n- Review the actuarial support for a rate change: assumptions, exhibits and data gaps.\n- Compare coverage wording, exclusions, endorsements and form editions across filings.\n- Benchmark a carrier's premium and underwriting results from its annual financials.\n- Create and update working filings and organize their rate, rule, form and supporting documents.\n- Check whether a filing is ready, review objection letters, draft responses and comment on them.",
        "developerName": "Effective AI, Inc.",
        "category": "Business & Operations",
        "capabilities": [
          "See competitor rate and form changes with the filing behind them",
          "Review the assumptions and sources behind a rate change",
          "Compare coverage wording, exclusions and endorsements",
          "Prepare working filings and answer objections"
        ],
        "websiteURL": "https://effectiveailabs.com",
        "supportURL": "https://effectiveailabs.com/support",
        "privacyPolicyURL": "https://effectiveailabs.com/privacy",
        "termsOfServiceURL": "https://effectiveailabs.com/terms",
        "defaultPrompt": [
          "Which competitors filed homeowners rate changes in Texas this year? Show the filing behind each one.",
          "Summarize the assumptions and sources behind the rate change in this filing's actuarial memo.",
          "Compare exclusions and endorsements in two filings, with form numbers and editions."
        ],
        "brandColor": "#171717",
        "brandColorDark": "#E5E5E5",
        "composerIcon": "./assets/icon.png",
        "logo": "./assets/icon.png"
      },
      "review": {
        "test_cases": {
          "positive": [
            {
              "description": "Summarize a competitor's rate filing",
              "prompt": "What did Benchmark Insurance Company's Swyfft homeowners rate filing in Texas from June 2025 change? Give the indicated and selected rate change and how they reached the selected number.",
              "tools_triggered": "discover, list, read",
              "expected_behavior": "Finds filing SWFT-134537831 and reports the indicated and selected overall rate changes and how the selected change was chosen, citing the filing and its documents."
            },
            {
              "description": "Review actuarial support for a rate change",
              "prompt": "Using the actuarial memorandum in Benchmark Insurance's Texas Swyfft homeowners filing SWFT-134537831, summarize how they handled credibility, reinsurance and profit in the indication.",
              "tools_triggered": "discover, read",
              "expected_behavior": "Reads the actuarial memo and explains the credibility method, the reinsurance cost provision and the profit provision, citing the memo. Says what the memo doesn't state rather than guessing."
            },
            {
              "description": "Compare competitors' rate changes in a market",
              "prompt": "Which carriers filed homeowners rate changes in Texas in 2025? List the carrier, filing number, overall rate impact and status for each.",
              "tools_triggered": "discover, list",
              "expected_behavior": "Returns a table of Texas homeowners rate filings from 2025 with carrier, filing number, overall rate impact and status (filed, approved or effective), without inventing figures for filings that lack them."
            },
            {
              "description": "Confirm the connected account",
              "prompt": "Which Effective account and organization am I connected as?",
              "tools_triggered": "whoami",
              "expected_behavior": "Returns the connected user and organization for the reviewer account."
            },
            {
              "description": "Create a working filing (write action)",
              "prompt": "Create a working filing in Effective for a Texas homeowners rate filing called \"Reviewer test filing\".",
              "tools_triggered": "discover, inspect, mutate",
              "expected_behavior": "Confirms the required details, creates the working filing in the reviewer account's workspace and returns its identifier, stating that it has not been submitted to a regulator."
            }
          ],
          "negative": [
            {
              "description": "Request unrelated to Effective: writes the reply without calling any Effective tools.",
              "prompt": "Write a short, friendly out-of-office reply saying I'm away until Monday and urgent questions should go to Priya."
            },
            {
              "description": "Submitting to a regulator, which Effective can't do: explains that Effective prepares filing workspaces but doesn't submit filings to regulators, and makes no change.",
              "prompt": "Submit my working filing to the Texas Department of Insurance now."
            },
            {
              "description": "Bulk delete without a specific target: does not call mutate; asks the user to name specific filings and confirm before deleting anything.",
              "prompt": "Delete all the filings in my Effective workspace."
            }
          ]
        },
        "demo_recording_url": "https://drive.google.com/file/d/1xXCthNYs61cS6k_KqMYXn_ygUBapFZ9x/view?usp=sharing",
        "commerce": false,
        "commerce_description": "Effective does not sell products or process payments in ChatGPT or Codex."
      },
      "publication": {
        "release_notes": "Updated the plugin description, capabilities and example prompts to show what Effective does for insurance teams."
      },
      "apps": "./.app.json"
    }
  }
}