---
title: "Delegated Umbrella Flow"
description: "Step-by-step guidance for Coverage Cat's delegated umbrella workflow, from draft and review through quotes, selection, and bind progression."
canonical: "https://www.coveragecat.com/ai/delegated-umbrella-flow"
last-updated: "2026-08-13"
---

# Delegated Umbrella Flow

Coverage Cat's delegated umbrella workflow lets an agent collect and submit umbrella purchase information on behalf of a real user.

## High-level sequence

1. Start with `POST /api/agent/umbrella/draft`.
2. Fill the intake from approved context and the user's direct answers.
3. Collect the published review and consent step from the real user.
4. Request quotes with `POST /api/agent/umbrella/quotes`.
5. Select the preferred offer with `POST /api/agent/umbrella/select`.
6. Continue the bind loop with `POST /api/agent/umbrella/bind`.
7. Upload declarations when required with `POST /api/agent/umbrella/attach`.

## Guardrails

- Read the skill docs before you build the runtime prompt.
- Keep field values nested inside the published `intake` object.
- Reuse the returned `uid` on every follow-up call.
- Treat the review and credit-consent steps as real-user actions, not agent-inferred shortcuts.

## Runtime references

- [Coverage Cat Agent API hub](/ai/skills)
- [OpenAPI spec](/api/agent/openapi.yaml)
- [Umbrella skill markdown](/api/agent/skill.md)

## Next steps

- **Learn:** Read [What Coverage Cat does](/what-we-do), browse [insurance guides](/insurance-types), or scan the [FAQ](/faq).
- **Estimate:** Use the [home insurance calculator](/tools/home), [umbrella insurance calculator](/tools/umbrella), or [carrier price comparison](/tools/auto-estimates).
- **Compare:** Start a [Coverage Cat quote comparison](https://www.coveragecat.com/intake) when you want licensed broker help and real quotes.
- **Integrate:** Explore the [Coverage Cat Agent API hub](/ai/skills), the [discovery document](/api/agent), and the [OpenAPI spec](/api/agent/openapi.yaml).