---
title: "Amelia Risk vs Aon: Employment Practices Liability Insurance"
description: "Amelia Risk recommends EPL coverage around five to ten employees, earlier in California and New York; Aon describes EPL service for professional-services firms."
canonical: "https://spot.insure/compare/amelia-risk-vs-aon/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "amelia-risk-vs-aon"
provider-a: "amelia-risk"
provider-b: "aon"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-aon/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Aon for Employment Practices 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 Employment Practices Liability Insurance questions about Amelia Risk versus Aon. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Amelia Risk and Aon.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Amelia Risk vs Aon](https://spot.insure/compare/amelia-risk-vs-aon) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile (evidence)
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Amelia Risk vs Aon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-aon/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon D&O Insurance](https://spot.insure/compare/amelia-risk-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-aon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-aon/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line)

# Amelia Risk vs Aon: How Do They Compare for Employment Practices Liability Insurance?

Amelia Risk recommends EPL coverage around five to ten employees, earlier in California and New York; Aon describes EPL service for professional-services firms.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Aon for Employment Practices 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.

## Summary

Amelia Risk publishes a hiring-stage trigger for EPL; Aon identifies law, accounting and consulting firms as its practice audience. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice")

## What Is Amelia Risk?

Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

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

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [9](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [10](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [12](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [13](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [14](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## Key Differences in Employment Practices Liability Insurance

### When to Start EPL Discussions

Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring, with earlier attention in California and New York. Aon’s reviewed EPL page focuses on law, accounting and consulting firms rather than a headcount trigger. A founder can use Amelia’s threshold as a prompt to seek terms, while a professional firm should ask Aon how its workforce and locations affect placement. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice")

### Employer Focus and Policy Wording

Amelia Risk describes protection for harassment, wrongful termination, failure to promote or hire and discrimination. Aon describes customized workplace-liability solutions but no specific policy grant. The quote determines definitions, exclusions and defense arrangements, so compare actual wording rather than assuming the shared EPL label means equal cover. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Amelia which insurer and state terms fit your current headcount; ask Aon for its carrier, limits and covered-act language. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")

## Offering Details

| Criteria | Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage | Aon Employment Practices Liability brokerage and risk-advisory offering |
| --- | --- | --- |
| Role in This Line | Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy..) | Aon presents Employment Practices Liability as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) |
| Issuing Insurer | The reviewed pages do not name an insurer for EPL placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to EPL specifically. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not publicly disclosed; scope: EPL product page, checked 23 September 2026..) | The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Not found in reviewed sources; scope: Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement..) |
| Who It’s For | Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [7](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement..)<br><br>Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement..) | Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) |
| Coverage Features | Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations..) | Aon describes EPL as addressing specialized liability risks arising from actual or alleged workplace wrongdoing and says it provides customized coverage solutions for professional-services firms. This does not establish any specific policy grant. [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage..) |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) |
| Risk Services | The reviewed EPL page doesn't describe HR-related risk-control services, such as handbook or policy review, specific to EPL policyholders beyond the coverage description itself. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not found in reviewed sources; scope: EPL product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them..) | Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. [11](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) |
| Claims Support | The reviewed EPL page does not describe a claims-handling process specific to employment-practices claims. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not found in reviewed sources; scope: EPL product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not EPL-specific..) | Confirm in your quote. |

## Full Comparison

- [Amelia Risk vs Aon](https://spot.insure/compare/amelia-risk-vs-aon): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Amelia Risk vs Aon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-aon/cyber)
- [Amelia Risk vs Aon D&O Insurance](https://spot.insure/compare/amelia-risk-vs-aon/directors-officers)
- [Amelia Risk vs Aon General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/general-liability)
- [Amelia Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-aon/workers-compensation)
- [AIG vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/employment-practices)
- [AIG vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-aon/employment-practices)
- [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices)
- [Alliance Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/employment-practices)
- [Amelia Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/employment-practices)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Employment Practices Liability (EPL)](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/). Amelia Risk Insurance Brokers; What's covered by an Employment Practices Liability (EPL) Policy?; When should a company buy an Employment Practices Liability (EPL) Policy?. Accessed 2026-09-23.
5. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
6. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
7. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
8. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.

### Aon

9. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29.
10. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29.
11. [Professional Services Practice](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice). Aon; Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. Accessed 2026-09-30.

### Employment Practices Liability Insurance Guide

12. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
13. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
14. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Amelia Risk Reviews

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.

- Google: Google star rating shown 1 (5 stars); 1 reviews. One named Pleasant Hill, California local-agent listing for the exact Amelia Risk Insurance Brokers LLC name; not firmwide or commercial-line-specific. Checked 2026-09-25. [Amelia Risk Insurance Brokers LLC | Local agents in Pleasant Hill, CA](https://agents.libertymutual.com/find-an-agent/state/california/pleasant-hill/amelia-risk-insurance-brokers-llc_4724726398)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/amelia-risk/reviews).

## Aon Reviews

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-aon/employment-practices.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)