Menlo is a retail insurance brokerage, not an embedded insurance carrier, MGA or platform. It is listed because it offers an AI-assistant-accessible quoting channel. Menlo Insurance Services describes itself as an independent licensed insurance brokerage. Menlo states it compares carriers and is paid by carrier commission with no broker fees. Menlo states its licenses are California 6020106 and Texas 3562061. Menlo lists offices at 406 Utah Street, San Francisco CA 94110, and 5900 Balcones Drive Suite 100, Austin TX 78731. Menlo states it offers a customer-facing MCP server so a customer's own AI assistant can start and track a quote. Setup documentation is available through the listed source link. Menlo states quote requests do not bind coverage and a licensed Menlo agent reviews options.