INSURANCE AUTOMATION HUB — PORTAL ASSISTANT 0.4.0

Pilot installation (Chrome 116+)
1. Extract this ZIP into a folder you keep on your computer.
2. Open chrome://extensions, turn on Developer mode, choose Load unpacked,
   and select the extracted folder containing manifest.json.
3. Pin Insurance Automation Hub. Reload your signed-in hub workspace after installation.
Managed browsers may require administrator installation approval.
This pilot has not been published in the Chrome Web Store.

Use
1. In a reviewed request, open Carrier submissions > Carrier portal assistant.
2. Choose the exact carrier portal origin and documents. A licensed reviewer
   approves the current application and destination, then sends the packet here.
3. Keep the hub tab open. Log in to the carrier normally, then click this
   extension's toolbar icon to grant temporary access to that carrier tab.
4. Find fields, select safe matches, review and fill. The panel rescans when you
   navigate within the approved carrier portal. It never fills a new page without review.
   Existing values require explicit overwrite approval. Other controls can use
   the searchable answer library and Copy answer.
5. Documents: download one file or the ZIP packet; or select a standard file
   input and explicitly approve direct attachment. Attaching can immediately
   transmit the files if the portal automatically starts uploads.
6. Check the portal's upload progress, validation errors and final application.
   Submit in the carrier portal yourself. This extension never submits, binds,
   accepts terms, signs, logs in, or solves CAPTCHA challenges.
7. Record the carrier's acknowledgment in Activity. Return it to the hub for
   licensed review and a follow-up task. An attachment isn't a receipt.

Limits and recovery
- Generic assisted mapping, not a carrier-certified adapter. No carrier portal
  has been certified by this release. Open shadow DOM and accessible same-origin
  frames are supported. Cross-origin embeds and custom widgets use manual entry.
- Native dropdowns resolve exact choices (including US state names/codes); radio
  groups and numeric/date controls are supported. Underwriting answers and schedule
  rows require explicit mapping; unknown values never become "no".
- 25 MB total packet; direct attachment max 12 MB at once. For larger uploads,
  download the individual files and use the carrier's normal file chooser.
- Documents may be rejected by carrier-specific limits. Always check completion.
- Field filling may trigger the portal's autosave. Changes are reported per field;
  partial fills are never silently retried or automatically rolled back.
- Portal navigation, rerendered controls, changed values or revoked/expired hub
  packets stop actions. Scan again or prepare a fresh packet as instructed.
- Packets expire after 30 minutes. Signed-in hub membership and source version
  are checked before each fill, attach or document retrieval.
- Clear private session removes extension-held data. Downloads and data already
  sent to a carrier remain outside the extension's control.

Support: contact your brokerage's Insurance Hub administrator.

Updating this unpacked pilot
Extract the new ZIP into your existing extension folder, replacing its files.
Open chrome://extensions and click Reload for Insurance Automation Hub.
Reload the hub tab and prepare a fresh packet before using the updated assistant.

Brand artwork: the approved Insurance Automation Hub wordmark and document/shield
icon used on the company website. No customer documents or credentials ship
inside this extension.

Agent, agency and client identity
- By default, the submitting agent is the signed-in licensed Hub user, not a producer extracted from
  a policy or the name on a historical package signature. Agent name, email and
  direct phone come from that user's profile; licensing comes from membership.
- Agency name, support contacts, website and full office address come from the
  current workspace. Missing values stay missing; add them in Hub settings.
- Recognized agent fields accept only approved producer facts, and agency fields
  only current agency facts. Unclear fields need a manual decision in the portal.
- Producer/license numbers are not interchangeable with NPNs or carrier agency
  codes. Unknown identifiers are never guessed.
- Successful mappings are remembered only for this packet, page structure and
  carrier origin. They contain fact IDs, not copied values, and clear on expiry.
- Changing identity or agency settings invalidates the packet. Prepare a fresh one.

Productivity
- Select all safe matches at once; existing values are protected.
- Show in portal scrolls to and focuses a field.
- Required/invalid-field counts show what still needs attention.
- The assistant checks filled values again for immediate portal changes.
  Autosave and eventual server acceptance still require checking the portal.


Preparing for a licensed producer (0.2.1)
- Unlicensed staff choose a currently verified licensed teammate for the risk
  state. Names are selected from the agency roster, never copied from a policy.
- The staff preparer and licensed producer remain separate identities. Agency
  administrators can designate an active preparer. Selection creates a review
  task for the producer and scoped request access for those two teammates.
- Only the selected producer can approve the exact destination, answers and
  documents. The named preparer can load that approved packet into their own
  extension. No other staff member receives the grant implicitly.
- The extension fills producer fields from the approving producer's verified
  profile, and preparer fields from the separately recorded staff identity.
  It still never submits, signs, binds or accepts carrier declarations.
- Staff can return an acknowledgment as a draft. It becomes a final Hub receipt
  and follow-up only after the approving producer reviews it. Review tasks open
  and complete automatically; no email is sent by this workflow.
- Team changes revoke old packets. Inactive operators, revoked or expired
  producer licensing, changed source data and changed profiles stop further use.
- Default solo workflow continues to use the signed-in licensed user as producer.

Verification adds PostgreSQL tests for delegated packet redemption, cross-user
rejection, jurisdiction checks, inactive staff, receipt drafts, producer approval,
review tasks and team-change revocation. No production staff permissions or
carrier accounts were changed while implementing this feature.

Hub guide and intake setup
- Voice or text help opens a reusable companion window with the same Hub guide.
- Choose Voice mode and allow the microphone to begin; mute/end stay visible.
- Ask about the platform, carrier portal steps, Free/Pro, or creating an intake.
- Intake setup supports all 50 states, branded form links without a website,
  agency logos, and up to three agent/team profiles. Review before publishing.
- Create my intake and See an example open the matching Hub pages directly.
- The guide does not receive the reviewed packet or inspect the carrier page.
- To update, extract version 0.4.0, replace the unpacked extension folder, click
  Reload in chrome://extensions, and reload your Hub tab. Existing installations
  do not auto-update until a managed distribution or Web Store release is used.


Version 0.4.0 — Hub + Benco Brokers
- One extension supports Insurance Automation Hub and Benco Brokers. There is
  no second extension to install. Use a Benco staff account in the Hub for
  carrier submission work; the Benco shortcuts are available without a packet.
- Hub voice or text help and Chat or talk with Benco open separate companion
  windows so each guide keeps the correct agency context. They start in English.
  The microphone starts only after you choose Voice mode and consent.
- Benco shortcuts: Get a quote, Need insurance ASAP, Client login, Make a payment.
  Quote requests stay on the Benco website. Payments open Benco's existing
  ePayPolicy portal directly. No payment information enters the extension.
- The Benco website shortcuts currently use the authorized Vercel preview site.
  The carrier workflow stays in the signed-in Hub; it does not run on the
  existing bencobrokers.com marketing site.
- New branding and shortcuts add no new Chrome permissions.
- For Chrome Web Store submission, upload the ZIP without extracting it.
  Local installation uses the extracted folder as described above.
- Store review and real-carrier testing are still required; this ZIP is not a
  Chrome Web Store approval or a certification of any carrier portal.
