---
title: "Alliance Risk vs biBerk: Umbrella and Excess Liability Insurance"
description: "Alliance Risk distinguishes umbrella coverage that may broaden protection from excess coverage that follows underlying terms; biBerk limits its umbrella to coverages included in the underlying policy."
canonical: "https://spot.insure/compare/alliance-risk-vs-biberk/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "alliance-risk-vs-biberk"
provider-a: "alliance-risk"
provider-b: "biberk"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-biberk/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and biBerk for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Alliance Risk versus biBerk. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs biBerk for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Alliance Risk or biBerk?
- What does Alliance Risk or biBerk publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from Alliance Risk or biBerk?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Alliance Risk and biBerk.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Alliance Risk vs biBerk](https://spot.insure/compare/alliance-risk-vs-biberk) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence)
- [biBerk profile](https://spot.insure/insurance-providers/biberk) — provider profile (evidence)
- [Alliance Risk vs biBerk Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-biberk/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs biBerk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-biberk/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Amelia Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Alliance Risk vs biBerk: How Do They Compare for Umbrella and Excess Liability Insurance?

Alliance Risk distinguishes umbrella coverage that may broaden protection from excess coverage that follows underlying terms; biBerk limits its umbrella to coverages included in the underlying policy.

## How to Use the Alliance Risk vs biBerk Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Alliance Risk and biBerk for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Alliance Risk vs biBerk Umbrella and Excess Liability Insurance Summary

Alliance Risk describes possible broader umbrella coverage and follow-form excess; biBerk says its umbrella applies only to coverages included in underlying policies. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today")

## What Is Alliance Risk?

Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## What Is biBerk Insurance?

biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. [5](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [6](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple")

[biBerk profile](https://spot.insure/insurance-providers/biberk)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [8](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [11](https://www.coverdash.com/coverage "Coverage Hub") [12](https://kinro.com/products "Products")

## What Are the Key Differences Between Alliance Risk and biBerk Umbrella and Excess Liability Insurance?

### Coverage Description

Alliance Risk distinguishes umbrella coverage, which may broaden protection to some claims outside underlying terms, from excess coverage that follows the underlying policy and only extends limits. biBerk says its umbrella only applies to coverages included in the underlying policy, using commercial auto as an example. Compare the offered form and the underlying policies scheduled for the layer. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today")

### Policy Terms and Scope

Alliance Risk also describes exclusions that follow from underlying exclusions; biBerk says an auto claim is not added when commercial auto is not included underneath. Both descriptions make the scheduled underlying coverage relevant, though the policy wording controls. Confirm which lines and limits must appear in the schedule. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today")

## What Should You Confirm in Alliance Risk and biBerk Umbrella and Excess Liability Insurance Quotes?

- Ask Alliance Risk whether the proposal is umbrella or follow-form excess and which underlying policies it schedules. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance")
- Ask biBerk which underlying coverage lines must be included and what limit the quote offers. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today")

## Alliance Risk vs biBerk Umbrella and Excess Liability Compared

| Criteria | Alliance Risk Umbrella & Excess Liability Insurance | biBerk Business Umbrella / Commercial Excess |
| --- | --- | --- |
| Role in This Line | Alliance Risk places umbrella and excess liability coverage that sits above a client's underlying general liability, auto liability or employer's liability policies, describing its role as arranging this additional layer rather than underwriting it. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page..) | Confirm in your quote. |
| Issuing Insurer | The reviewed umbrella/excess page does not name the insurers Alliance Risk places this coverage with. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Not publicly disclosed; scope: Umbrella & Excess Liability Insurance page as read on 2026-09-23; the issuing insurer depends on the specific placement..) | Confirm in your quote. |
| Who It’s For | Alliance Risk says umbrella and excess coverage is commonly needed by construction firms, manufacturers and distributors, retailers and hospitality businesses, and logistics and transportation companies with large vehicle fleets. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, "Who Needs" section..) | Confirm in your quote. |
| Coverage Features | Alliance Risk distinguishes umbrella coverage, which it says can broaden protection to some claims not in the underlying policy, from excess coverage, which strictly follows the underlying policy's terms and only extends its limits; both exclude claims already excluded by the underlying policy, first-party property damage, workers' compensation claims and intentional or criminal acts. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, "What Is" and "What Does/Doesn't Cover" sections; the issued policy and declarations control actual terms..) | biBerk says umbrella coverage can respond after a covered claim exceeds an applicable existing liability policy limit. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)<br><br>biBerk says the umbrella only applies to coverages included in the underlying policy; without commercial auto underneath, auto claims are not added. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)<br><br>biBerk lists intentional harm, damage to the insured’s own property, contractual liability and war as examples excluded from umbrella. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) |
| Limits and Retentions | Alliance Risk describes umbrella/excess limits typically starting at $1M and extending to $25M or more, with indicative annual costs of $500–$1,500 for a $1M policy at a small business up to $10,000+ for large or high-risk operations. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, cost section; illustrative ranges, not a specific quote..) | Confirm in your quote. |
| Risk Services | Alliance Risk's risk-management guidance for this line includes contractual risk-transfer agreements with vendors and subcontractors, periodic reviews of limits against business growth, and working with a broker to model catastrophic-loss scenarios. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, "Risk Management Tips" section..) | Confirm in your quote. |
| How to Apply | The reviewed umbrella/excess page does not describe a line-specific quote submission checklist beyond the general "Get a Quote" contact form used across Alliance Risk's product pages. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella & Excess Liability Insurance page as read on 2026-09-23..) | biBerk offers online or phone access to quote its umbrella, which must accompany an existing liability policy. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) |
| Claims Support | The reviewed umbrella/excess page does not describe a claims-handling or claims-advocacy process specific to this line. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella & Excess Liability Insurance page as read on 2026-09-23..) | Confirm in your quote. |

## Related Pages for Alliance Risk vs biBerk

- [Alliance Risk vs biBerk](https://spot.insure/compare/alliance-risk-vs-biberk): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Alliance Risk vs biBerk Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-biberk/business-owners-policy)
- [Alliance Risk vs biBerk Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/commercial-auto)
- [Alliance Risk vs biBerk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/cyber)
- [Alliance Risk vs biBerk General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/general-liability)
- [Alliance Risk vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/professional-errors-omissions)
- [Alliance Risk vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/workers-compensation)
- [AIG vs Alliance Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/umbrella-excess)
- [AIG vs biBerk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-biberk/umbrella-excess)
- [Alliance Risk vs Amelia Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/umbrella-excess)
- [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess)
- [Alliance Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)

## Sources for Alliance Risk vs biBerk

### Sources About Alliance Risk

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
4. [Umbrella & Excess Liability Insurance](https://joinalliancerisk.com/umbrella-excess-liability-insurance/). Alliance Risk; What Is Umbrella & Excess Liability Insurance?; Who Needs Umbrella & Excess Liability Insurance?; What Does/Doesn't Umbrella & Excess Liability Insurance Cover?; How Much Does Umbrella & Excess Liability Insurance Cost?; Risk Management Tips. Accessed 2026-09-23.

### Sources About biBerk

5. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
6. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
7. [Umbrella Insurance From biBerk | Get Coverage Today](https://www.biberk.com/small-business-insurance/umbrella-insurance). biBerk; Coverage trigger, underlying policies and exclusions. Accessed 2026-09-28.

### Sources for the Umbrella and Excess Liability Insurance Guide

8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
10. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
11. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
12. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Alliance Risk Review Scores for 2026

Review Score: not enough ratings.

Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews).

## biBerk Review Scores for 2026

Review Score: 9.0 / 10 from 3 rated sources, equally weighted.

Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.

- NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance)
- Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com)
- BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-biberk/umbrella-excess.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)