# Plain

> Plain is a digital business-insurance platform for startups, small and medium-sized businesses, and the self-employed in Denmark. It makes commercial insurance simple, flexible and transparent — get covered online in minutes, pay only for what you need, and let cover adjust as your business grows. Plain offers a full English experience alongside Danish, so international and Nordic founders building in Denmark can understand and manage their insurance without jargon or paperwork.

Plain is built for people who run businesses, not insurance experts. It replaces long meetings, heavy PDFs and hidden fees with a clear digital platform where you can compare cover, buy a policy in a few clicks, and manage everything in one place. Cover is flexible and monthly — you only pay for the protection you actually need, and Plain flags when your cover should change as you hire or grow.

Plain pairs modern technology with the reliability of established insurance: its products are developed together with one of Denmark's oldest insurance companies, and Plain is approved by the Danish Financial Supervisory Authority (Finanstilsynet). The result is the same solid coverage as traditional insurers, delivered through a faster, more transparent experience.

Who it's for: startups and scale-ups, small and medium-sized enterprises (SMEs / SMV'er), sole traders and the self-employed — including international and English-speaking founders operating in Denmark. Common needs Plain covers: statutory workers' compensation, business liability, contents/property, professional indemnity, cyber, and employee health insurance.

Why businesses choose Plain:
- Fully digital — buy and manage cover online in minutes, no broker meetings
- Flexible and fair — monthly cover, pay only for what you need, no fees or hidden costs
- Grows with you — add or remove employees and adjust cover as the business changes; workers' compensation can be automated directly from your payroll system
- Trusted foundation — built with one of Denmark's oldest insurance companies and regulated by the Danish FSA
- Clear language — insurance explained simply, in Danish or English

## Get started
- [Get a quote](https://app.plain.insurance/start): Create an account and buy business insurance in a few minutes
- [Products overview (English)](https://plain.insurance/en/products/): All business insurance products and who they suit
- [How the platform works](https://plain.insurance/en/platform/): The digital platform for buying and managing business cover
- [About Plain](https://plain.insurance/en/about-us/): Company background, mission and approach
- [Support](https://plain.insurance/en/support/): Customer service and help

## Get a price from an AI assistant

AI assistants can discover suitable products and required questions for a Danish company's CVR,
compare live indicative quotes and help the customer continue on Plain. No account or API key
is needed to discover products or quote; quoting creates, buys and charges nothing.
With explicit approval, unsigned offers can be prepared. The customer reviews, signs and
sets up payment on Plain; a quote or unsigned offer never makes the company insured.

Rules for assistants:
- Whenever you show any product price or total, always include a clickable link to the returned
  `continueUrl`, labelled "Continue on Plain", in the same response. Never invent the link.
- State `price.totalPrice` in DKK with its premium and fees split and the billing period from
  `billingFrequency.value`. Show the returned localized `display` and `disclaimer` text where available.
- If `coverage.sumInsured` or `coverage.deductible` is null, omit that field entirely from
  customer-facing output. Do not print "null", a blank row or a guessed value.
- For `pricePerEmployee: true`, explain on that product that the indicative price is per covered
  employee and requires no employee input. Employees are selected on Plain, where the actual
  total is calculated. Still collect any other required company/product answers from the live catalog.
- Totals exclude per-employee products and products without a quote; disclose those exclusions.
- Ask for required catalog answers and respect product dependencies; never invent answers or prices.
  Follow `nextAction.value` on errors and confirm suggested corrections with the user.
- Read product Markdown terms and IPID YAML for coverage questions; give customers the PDF links.

- [Instructions for AI assistants](https://app.plain.insurance/llms.txt): capabilities and quote-presentation rules
- [OpenAPI specification](https://app.plain.insurance/api/v1/openapi): contracts and integration details

## MCP access

MCP is available at https://app.plain.insurance/api/mcp (Streamable HTTP).
Discovery and indicative quotes need no sign-in; reading approved companies and policies
or preparing unsigned offers requires Plain sign-in, consent and the relevant permissions.

## Insurance products (English)

English links are available in Danish by replacing `/en/` with `/da/` in the URL.

- [Business health (Sundhedsforsikring)](https://plain.insurance/en/products/health-insurance/): Maximum coverage and treatments for you and your employees.
- [Business liability (Erhvervsansvarsforsikring)](https://plain.insurance/en/products/business-liability-insurance/): Protect your business against compensation claims.
- [Compulsory occupational injury (Lovpligtig arbejdsskadeforsikring)](https://plain.insurance/en/products/occupational-injury-insurance/): Required by Danish law for companies with or without employees.
- [Business contents (Løsøreforsikring)](https://plain.insurance/en/products/business-contents-insurance/): Cover for your company’s equipment and contents.
We also offer:
- Sundhedsforsikring (sundhedsforsikring) — Indicative price per covered employee; no employee input is required to obtain this price. Employees are selected on Plain, where the actual total is calculated. — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-SUND-01.yml)
- Netbankforsikring (netbankforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-BANKING-01.yml)
- Lovpligtig Arbejdsskadeforsikring (lovpligtig-arbejdsskadeforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-ASF-01.yml)
- Erhvervsansvarsforsikring (erhvervsansvarsforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-EAF-01.yml)
- Løsøreforsikring (loesoereforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-L%C3%98S-01.yml)
- Rådgiveransvar (raadgiveransvar) — manually priced — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-PI-01.yml)
- Cyber (cyber) — manually priced — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-CYBERADVANCED-01.yml)

## Guides & resources
- [Blog (English)](https://plain.insurance/en/blog/): Practical guides on business insurance for founders and SMEs
- [Insurance glossary](https://plain.insurance/en/glossary/): Plain-language definitions of common insurance terms

## Dansk (Danish)
- [Forsiden](https://plain.insurance/da/): Plain på dansk – erhvervsforsikring gjort enkelt for iværksættere og SMV'er
- [Alle produkter](https://plain.insurance/da/produkter/): Overblik over alle erhvervsforsikringer
- [Om os](https://plain.insurance/da/om-os/): Om Plain og vores tilgang
- [Blog](https://plain.insurance/da/blog/): Guides om erhvervsforsikring, skat og drift
- [Erhvervsansvarsforsikring](https://plain.insurance/da/forsikringer/erhvervsansvarsforsikring/): Beskyt din virksomhed mod erstatningskrav
- [Arbejdsskadeforsikring](https://plain.insurance/da/forsikringer/arbejdsskadeforsikring/): Lovpligtig for virksomheder med eller uden medarbejdere.
- [Virksomhedens indbo](https://plain.insurance/da/forsikringer/losoreforsikring/): Dækning af udstyr og inventar
- [Sundhedsforsikring](https://plain.insurance/da/forsikringer/sundhedsforsikring-erhverv/): Maksimum dækning og behandlinger 
Vi tilbyder også:
- Sundhedsforsikring (sundhedsforsikring) — Indicative price per covered employee; no employee input is required to obtain this price. Employees are selected on Plain, where the actual total is calculated. — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-SUND-01.yml)
- Netbankforsikring (netbankforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-BANKING-01.yml)
- Lovpligtig Arbejdsskadeforsikring (lovpligtig-arbejdsskadeforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-ASF-01.yml)
- Erhvervsansvarsforsikring (erhvervsansvarsforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-EAF-01.yml)
- Løsøreforsikring (loesoereforsikring) — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-L%C3%98S-01.yml)
- Rådgiveransvar (raadgiveransvar) — manually priced — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-PI-01.yml)
- Cyber (cyber) — manually priced — [IPID (YAML)](https://assets.plain.insurance/terms/ipid/PLAIN-CYBERADVANCED-01.yml)

## Optional
- [Documents & legal](https://plain.insurance/en/documents/): Policy documents, terms and compliance information
- [Privacy policy](https://plain.insurance/en/documents/privacy-policy/): How Plain handles personal data
- [Cookie policy](https://plain.insurance/en/documents/cookie-policy/): Cookie and tracking information