update_coverage · Lemonade MCP Server MCP: Risk & Policy

WHAT IT DOES

What update_coverage does on Lemonade MCP Server

AI agents use update_coverage to create or update resources in Lemonade MCP Server — usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Lemonade MCP Server environment.

WHY IT NEEDS A POLICY

Why update_coverage needs a policy

This tool modifies existing insurance policy data (coverage selections/levels) in a reversible manner. While the change cannot be instantly undone without another update_coverage call, it is not irreversible destruction.

From the tool's definition Tool name 'update_coverage' combined with description 'Update coverage on an existing Lemonade insurance policy' indicates modification of policy terms and coverage levels.

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

update_coverage Rate-limited

update_coverage stays usable, but capped — an agent stuck in a loop can't make hundreds of changes a minute. Everything else on the server is denied unless you say otherwise.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "update_coverage": {
      "limits": [
        {
          "counter": "update_coverage_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}

LIMIT THIS TOOL →

Instant setup, no code required.

PolicyLayer is an MCP gateway: every tool call is checked against your rule before it reaches Lemonade MCP Server, so you can run agents against it safely.

FAQ

Questions about update_coverage

What does the update_coverage tool do? +

Update coverage on an existing Lemonade insurance policy. It is categorised as a Write tool in the Lemonade MCP Server MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.

How do I enforce a policy on update_coverage? +

Register the Lemonade MCP Server MCP server in PolicyLayer and add a rule for update_coverage: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Lemonade MCP Server. Nothing to install.

What risk level is update_coverage? +

update_coverage is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.

Can I rate-limit update_coverage? +

Yes. Add a rate_limit block to the update_coverage rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block update_coverage completely? +

Set action: deny in the PolicyLayer policy for update_coverage. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides update_coverage? +

update_coverage is provided by the Lemonade MCP Server MCP server (markswendsen-code/mcp-lemonade). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.