--- title: "Amelia Risk vs Founder Shield" description: "Compare coverage for a consumer brand adopting AI, including the boundary between using AI and selling an AI product." canonical: "https://spot.insure/compare/amelia-risk-vs-foundershield" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Amelia Risk", "Founder Shield"] --- [Human-readable page](https://spot.insure/compare/amelia-risk-vs-foundershield) # Amelia Risk vs Founder Shield Compare coverage for a consumer brand adopting AI, including the boundary between using AI and selling an AI product. ## Research Scope and Use Use this comparison to evaluate Amelia Risk and Founder Shield against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Amelia Risk focuses on startups, technology and consumer-product brands. Founder Shield is a Baldwin Group brokerage with growth-company services and a separately marketed AI liability product for eligible businesses using AI. [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [31](https://foundershield.com/about-us/ "About Us") [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") [11](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [39](https://foundershield.com/coverage/ "Coverage") [45](https://www.testudo.co/licenses "Licenses and Regulatory Disclosures") [43](https://www.testudo.co/brokers "AI Liability Insurance for Brokers") [44](https://www.testudo.co/about "About Testudo") [4](https://ameliarisk.com/specialties/ "Our Specialties") ## Introduction A consumer brand using AI for customer support has different insurance questions from a company selling AI software. Amelia Risk markets brokerage services for both consumer-product and technology businesses. Founder Shield, part of The Baldwin Group, serves high-growth companies and distributes a specific AI liability product. The first task is deciding which activities need separate review. [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [31](https://foundershield.com/about-us/ "About Us") [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") ## Documented Provider Strengths ### Amelia Risk - Women-owned San Francisco brokerage focused on startups, CPG, technology, and consumer-product brands. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [3](https://ameliarisk.com/team/ "Our Team") [4](https://ameliarisk.com/specialties/ "Our Specialties") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.; verified: 2026-09-16.) - Places coverage by gathering information, approaching multiple insurers, and reviewing quotes with the client. [4](https://ameliarisk.com/specialties/ "Our Specialties") [18](https://ameliarisk.com/contact/ "Contact Us") [2](https://ameliarisk.com/about-us/ "About Us") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.; verified: 2026-09-16.) ### Founder Shield - A focus on venture-backed and high-growth businesses spans early funding rounds through an initial public offering. [29](https://foundershield.com/ "Founder Shield") [34](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Stated customer focus, not an audited customer census or an eligibility guarantee.; verified: 2026-09-15.) - Founder Shield asks clients to flag new products, business models, offices and territories so its team can review coverage changes. [47](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") (Evidence: Company-reported; scope: Changes FAQ. Does not establish automatic increases in limits, approval of new activities or protection without a policy change.; verified: 2026-09-15.) ## Coverage Comparison | Coverage Type | Amelia Risk | Founder Shield | | --- | --- | --- | | Business owner’s policy | Listed [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") | Not listed | | Cargo and transit | Listed [11](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Commercial auto | Listed [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Not listed | | Commercial property | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Contract frustration | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Crime | Listed [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Cyber liability | Listed [16](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Digital assets | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Directors and officers | Listed [13](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors And Officers Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Employee health and benefits | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Employment practices liability | Listed [14](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Fidelity bonds | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Fiduciary liability | Listed [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | General liability | Listed [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Generative AI liability | Not listed | Listed [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") | | Hired and non-owned auto | Listed [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Intellectual property | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Key person | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Last-mile delivery | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Media liability | Not listed | Listed [56](https://foundershield.com/coverage/content-creator/ "Content Creator Insurance") | | Product liability | Listed [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Product recall | Listed [12](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Not listed | | Professional liability / E&O | Listed [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Representations and warranties | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Technology errors and omissions | Listed [17](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors And Omissions") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") | Not listed | | Umbrella and excess liability | Listed [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Venture capital asset protection | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Virtual care and telehealth | Not listed | Listed [39](https://foundershield.com/coverage/ "Coverage") | | Workers’ compensation | Listed [15](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [39](https://foundershield.com/coverage/ "Coverage") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Amelia Risk and Founder Shield ### AI Use and AI Sales Are Different Eligibility Questions Founder Shield's advertised generative-AI product targets businesses using AI and excludes companies selling AI products. That is a restriction on this product, not a statement that the brokerage cannot help an AI vendor. Amelia's technology focus includes AI, but its industry page does not establish a dedicated AI policy or its terms. A business doing both should describe each revenue-generating activity before requesting comparisons. [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") ### Keep Physical-Product Protection in the Program Amelia explicitly discusses recall, product liability and stock throughput for consumer brands. Founder Shield's broader catalogue includes product liability, property and technology-related protection. A dedicated AI proposal should be evaluated alongside those operating policies rather than assumed to absorb their risks. Ask how an AI-related recommendation causing product harm would be treated under the actual forms. [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [11](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [39](https://foundershield.com/coverage/ "Coverage") [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") ### Distribution Does Not Identify the Risk Bearer Founder Shield distributes the AI product and names an underwriting intermediary that says its US entity does not bear the risk. The responsible insurer or syndicates still need identification. Public summaries also differ on whether an additional AI regulatory agreement is included. Amelia's public brokerage pages likewise do not name the insurer for a prospective placement. Neither firm's role supplies the missing policy terms or California access. [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") [45](https://www.testudo.co/licenses "Licenses and Regulatory Disclosures") [43](https://www.testudo.co/brokers "AI Liability Insurance for Brokers") [44](https://www.testudo.co/about "About Testudo") [4](https://ameliarisk.com/specialties/ "Our Specialties") ## What to Confirm in Quotes Describe whether you use, resell or develop AI, and request written appetite confirmation. Ask for the complete AI agreements, defense-cost treatment, exclusions and California placement route. Keep recall and inventory proposals separate for comparison. Identify the licensed producer on the engagement and the team that reviews coverage when your product or business model changes. ## Service Comparison Amelia Risk vs Founder Shield: documented services and availability. | Criteria | Amelia Risk | Founder Shield | | --- | --- | --- | | Business role | Amelia Risk presents itself as an independent, women-owned insurance brokerage—not as an insurer. It says it identifies a company’s risks, discusses insurance products, represents the buyer to insurers, and recommends a program. The official pages reviewed do not name a licensed producer entity suffix, license number, or NPN. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/about-us/ "About Us") [4](https://ameliarisk.com/specialties/ "Our Specialties") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [19](https://ameliarisk.com/privacy-policy/ "Privacy Policy") (Evidence: Company-reported; scope: Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.; verified: 2026-09-16.) | Founder Shield is a commercial insurance broker: it helps businesses choose coverage and arrange policies with insurers. Its terms say it does not insure the risk or decide whether a claim is covered. [29](https://foundershield.com/ "Founder Shield") [30](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Brand’s documented intermediary role. No assertion of current state licensure or universal underwriting authority.; verified: 2026-09-15.)

Founder Shield operates within The Baldwin Group, which lists it among its acquired firms. Founder Shield describes itself as the group’s innovation arm. [31](https://foundershield.com/about-us/ "About Us") [32](https://baldwin.com/partnerships/ "Partnerships") (Evidence: Company-reported; scope: Current brand relationship corroborated by the group’s own site. No claim about ultimate investors, public listing status or a current intermediary ownership chain.; verified: 2026-09-15.)

The terms name The Baldwin Group Specialty Solutions, LLC as the contracting company, but the License Status section identifies Foundershield LLC as the producer. The reviewed records do not resolve which entity would appear on a new engagement; ask for its legal name and applicable license. [30](https://foundershield.com/terms-of-service/ "Terms of Service") [33](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/exhibit-211fy2025q4.htm "List of Subsidiaries as of February 26, 2026") [52](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Not found in reviewed sources; scope: The SEC subsidiary list names Specialty Solutions; the 2025 New York record names Foundershield LLC. Neither establishes a name change, merger, successor relationship or the producer on every current transaction.; verified: 2026-09-15.)

New York’s Department of Financial Services reported a $36,600 fine against Foundershield LLC for late filing of excess-line documents for recording and stamping during January 2019–March 2023. The consent order was approved on June 26, 2025. The notice concerns filing compliance, not a finding about claims payments. [52](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf "Disciplinary Actions Issued August 21, 2025") (Evidence: Verified; scope: August 21, 2025 disciplinary notice, PDF page 6, visually checked against the original. Does not establish current license status, remediation, policy invalidity or a pattern of claims conduct.; verified: 2026-09-15.) | | Customer focus | Amelia Risk says it is a women-owned and operated insurance brokerage in San Francisco whose team works with startups and high-growth companies. Its specialty pages address startups, better-for-you food, beverage and cosmetic (CPG) companies, technology businesses (including software, hardware, robotics, AI, autonomous-vehicle software, and life sciences), and consumer-product or accessible-luxury brands. A company-hosted podcast transcript describes a primary CPG focus and work with higher-risk product categories such as baby food, skincare, and dietary supplements. Public pages do not state minimum revenue, headcount, or funding-stage eligibility. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [3](https://ameliarisk.com/team/ "Our Team") [4](https://ameliarisk.com/specialties/ "Our Specialties") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.; verified: 2026-09-16.) | Founder Shield focuses on venture-backed and high-growth businesses, from early funding rounds through an initial public offering. Its practices include technology, life sciences, financial services, retail and transportation. [29](https://foundershield.com/ "Founder Shield") [34](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Stated customer focus, not an audited customer census or an eligibility guarantee.; verified: 2026-09-15.) | | Application process | New business starts with a conversation or website contact form, not a public self-service binder. Amelia Risk describes four steps: understand the company and gather information; represent the buyer to insurers; review quotes and a recommendation with the client; then the client decides how to proceed. About copy says the firm will not ask clients to complete multiple PDFs or Word documents only to print, sign, and scan them back. A company-hosted interview describes D&O underwriting as possibly a matter of days or a few weeks with completed information, with a two-to-three-week comfortable budget—an illustrative timing comment, not a binding SLA. No public quote calculator or specimen application was found. [4](https://ameliarisk.com/specialties/ "Our Specialties") [18](https://ameliarisk.com/contact/ "Contact Us") [2](https://ameliarisk.com/about-us/ "About Us") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.; verified: 2026-09-16.) | The Get a Quote link opens a portal with Create Account and Sign In options. Registration offers Google, Microsoft, or an email address and password. [35](https://apx.foundershield.com/ "Quote Portal") [36](https://apx.foundershield.com/register "Create Account") (Evidence: Verified; scope: Public interface directly observed in Chrome on September 15, 2026. No sign-in, identity-provider flow, registration submission, quote or authenticated workflow tested.; verified: 2026-09-15.)

Founder Shield advertises an application that takes under 15 minutes. That is an application-time claim, not a guaranteed time to receive insurer terms or put coverage in force. [34](https://foundershield.com/startup-insurance/ "Startup Insurance") (Evidence: Company-reported; scope: Startup page marketing claim. No timed application or binding exercise performed.; verified: 2026-09-15.)

To buy coverage, Founder Shield’s FAQ says you approve a proposal, select a payment method and choose the desired start date. Its team then follows up on documents needing electronic signatures and handles the insurer’s paperwork. [37](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/ "How Do I Bind Coverage?") (Evidence: Company-reported; scope: Documented general process; the actual carrier’s outstanding requirements and confirmation determine the transaction. No completed purchase observed.; verified: 2026-09-15.) | | Coverage lines | Amelia Risk publishes an Insurance Policies catalogue covering general liability and umbrella or excess, stock throughput (cargo), product recall, directors and officers (D&O), employment practices liability (EPL), workers compensation, cyber, and technology errors and omissions (Tech E&O). Specialty pages also list product liability, fiduciary liability, professional liability, a businessowner’s policy (BOP) with property, general liability, and hired and non-owned auto, owned and hired/non-owned auto, and employee crime as policies those clients should consider. Those labels are the firm’s marketed placement topics; they are not specimen forms, and they do not establish that every line is available to every applicant. [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [11](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [12](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [13](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors And Officers Liability") [14](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [15](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [16](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") [17](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors And Omissions") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Official policy hub and specialty “policies to consider” lists accessed 16 September 2026. Educational explanations of Prop 65, advertising injury, and copacker certificates are not treated as separate catalogue lines.; verified: 2026-09-16.) | Founder Shield’s catalogue includes general liability, property, workers’ compensation, cyber, errors and omissions, directors and officers, employment practices, fiduciary and crime insurance. Specialized options include intellectual property, product liability, last-mile delivery, representations and warranties for acquisitions, and venture-capital asset protection. [39](https://foundershield.com/coverage/ "Coverage") (Evidence: Company-reported; scope: Published offer categories only. Coverage availability, limits and wording are carrier- and risk-specific; no blanket package entitlement.; verified: 2026-09-15.)

Founder Shield offers individual coverages as well as startup packages. Its FAQ describes adjusting limits and deductibles, adding endorsements, and including or removing coverage types to match the business. [40](https://foundershield.com/insurance-faqs/general-faqs/how-do-we-purchase-a-la-carte-commercial-insurance/ "How Do We Purchase “A La Carte” Commercial Insurance?") (Evidence: Company-reported; scope: Endorsements are changes to policy wording. Customization is company-described, not automatic insurer acceptance of every requested term.; verified: 2026-09-15.)

Its D&O guide distinguishes protection for individual directors and officers, reimbursement when the company pays to defend them, and coverage for the company itself. It also flags exclusions for claims brought by major shareholders. The actual form and endorsements determine which protections a quote includes. [41](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: D&O educational product page, not a proprietary Founder Shield specimen. No universal Side C wording, exclusion threshold, retention or form number established.; verified: 2026-09-15.)

Founder Shield markets a standalone generative-AI liability product for US businesses using AI in their operations, with revenue up to $10 billion. Its page excludes companies selling AI products, standard cyberattacks and intentional misuse. [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") (Evidence: Company-reported; scope: Company product summary; a business that both sells and uses AI needs account-specific eligibility review. Do not treat broad AI-industry marketing as acceptance into this product.; verified: 2026-09-15.)

The AI product page describes claims-made-and-reported coverage, so the timing of both the claim and its reporting matters. It describes a duty to defend covered claims, with defense spending reducing the available policy limit. Listed risks include AI-output errors, intellectual-property infringement or defamation, data disclosure, bodily injury and property damage. [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") (Evidence: Company-reported; scope: Product description only. No specimen policy inspected; exact reporting windows, definitions, exclusions, sublimits and retention remain quote-specific.; verified: 2026-09-15.)

Founder Shield’s AI page describes five coverage categories. Testudo’s current broker page lists six, adding AI regulatory violations. The summaries differ; confirm the proposed form and whether that additional coverage is included before relying on it. [42](https://foundershield.com/coverage/generative-ai-liability-insurance/ "Generative AI Liability Insurance") [43](https://www.testudo.co/brokers "AI Liability Insurance for Brokers") (Evidence: Conflicting sources; scope: Unresolved difference between linked distributor and underwriting-provider summaries as accessed September 15, 2026. Could reflect different versions or scope; no inference that every Founder Shield quote includes or excludes the sixth agreement.; verified: 2026-09-15.) | | Fees and compensation | The reviewed official pages do not disclose broker commissions, contingent commissions, client fees, retainers, or premium examples. A 2021 blog post invites a free consultation. Absence of a published fee schedule is not evidence that insurance placement is free. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/about-us/ "About Us") [4](https://ameliarisk.com/specialties/ "Our Specialties") [18](https://ameliarisk.com/contact/ "Contact Us") [19](https://ameliarisk.com/privacy-policy/ "Privacy Policy") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [21](https://ameliarisk.com/blog/the-importance-of-a-broker/ "The Importance Of An Insurance Broker") (Evidence: Not publicly disclosed; scope: Homepage, about, specialties, contact, privacy, and two 2021 blog posts. No terms of engagement page was found.; verified: 2026-09-16.) | Founder Shield’s pricing FAQ says quotes generally cover one year, unless stated otherwise, and include the fees and charges for that policy period. It describes full payment, carrier installments and financing through premium-finance companies, depending on the policy and payment arrangement. [50](https://foundershield.com/insurance-faqs/general-faqs/what-am-i-actually-getting-for-the-price-of-business-insurance/ "What Am I Actually Getting For the Price of Business Insurance?") (Evidence: Company-reported; scope: General billing description, not a quoted premium, guaranteed financing eligibility or a statement that borrowing costs are included in the insurance price.; verified: 2026-09-15.)

Founder Shield discloses compensation through commissions, fees or interest and invites questions about the amount and nature of that compensation. Its terms say customer charges will be disclosed in advance. [30](https://foundershield.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Fees and Charges section. No account-specific compensation amount or universally applicable fee schedule obtained.; verified: 2026-09-15.)

The Baldwin Group’s January 2026 disclosure also describes client fees, commissions tied to volume or profitability, compensation for affiliated placement services, and referral fees from providers such as premium-finance companies. These are possible group arrangements, not a finding that each applies to your Founder Shield policy. [51](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") (Evidence: Company-reported; scope: Group-wide disclosure, not account-specific remuneration. Client fees can be in lieu of or additional to retail commissions. No inferred misconduct or automatic financial conflict outcome.; verified: 2026-09-15.) | ## Related Reading - [What Is Amelia Risk?](https://spot.insure/insurance-providers/amelia-risk) - [What Is Founder Shield Insurance?](https://spot.insure/insurance-providers/foundershield) ## Related Comparisons - [Alliance Risk vs Amelia Risk](https://spot.insure/compare/alliance-risk-vs-amelia-risk) - [Alliance Risk vs Founder Shield](https://spot.insure/compare/alliance-risk-vs-foundershield) - [Amelia Risk vs Armilla](https://spot.insure/compare/amelia-risk-vs-armilla) - [Amelia Risk vs At-Bay Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay) - [Amelia Risk vs Beazley](https://spot.insure/compare/amelia-risk-vs-beazley) - [Amelia Risk vs CFC](https://spot.insure/compare/amelia-risk-vs-cfc) - [Amelia Risk vs Chubb](https://spot.insure/compare/amelia-risk-vs-chubb) - [Amelia Risk vs Coalition](https://spot.insure/compare/amelia-risk-vs-coalition) - [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi) - 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[Founder Shield vs Newfront](https://spot.insure/compare/foundershield-vs-newfront) - [Founder Shield vs ERGO NEXT Insurance](https://spot.insure/compare/foundershield-vs-next-insurance) - [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance) - [Founder Shield vs Relm Insurance](https://spot.insure/compare/foundershield-vs-relm) - [Founder Shield vs Resilience](https://spot.insure/compare/foundershield-vs-resilience) - [Founder Shield vs RiskCube](https://spot.insure/compare/foundershield-vs-riskcube) - [Founder Shield vs Risklytics Insurance](https://spot.insure/compare/foundershield-vs-risklytics) - [Founder Shield vs StartupInsurance.ai](https://spot.insure/compare/foundershield-vs-startupinsurance) - [Founder Shield vs TechInsurance](https://spot.insure/compare/foundershield-vs-techinsurance) - [Founder Shield vs The Hartford](https://spot.insure/compare/foundershield-vs-the-hartford) - [Founder Shield vs Travelers Insurance](https://spot.insure/compare/foundershield-vs-travelers) - [Founder Shield vs USI](https://spot.insure/compare/foundershield-vs-usi) - [Founder Shield vs Vouch](https://spot.insure/compare/foundershield-vs-vouch) - [Founder Shield vs WithCoverage](https://spot.insure/compare/foundershield-vs-withcoverage) ## Sources ### [Amelia Risk Official Website](https://ameliarisk.com/) 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 at wp-content/uploads/2020/02/Amelia-Logo-cropped.jpg. Accessed 2026-09-16. 2. [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. 3. [Our Team](https://ameliarisk.com/team/). Amelia Risk Insurance Brokers; Women-owned and operated brokerage statement; combined 60+ years claim; biographies for Liz Moore, Danielle Holyoake, Jess Cano, and Toni Simpson. Accessed 2026-09-16. 4. [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. 5. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider, including D&O, EPL, fiduciary, professional liability, cyber, BOP (property, GL, HNOA), umbrella, employee crime/fidelity, and workers compensation. Accessed 2026-09-16. 6. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Specialization for better-for-you food, beverage, and cosmetic companies; Insurance policies for CPG companies to consider; FAQ items on copacker insurance, product recall versus product liability, hired and non-owned auto, and Prop 65 as possible sublimited defense. Accessed 2026-09-16. 7. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Technology audience including software, hardware, robotics, AI, autonomous-vehicle software, and life sciences; Insurance policies for tech companies to consider, including Tech E&O, cyber, BOP components, D&O, EPL, fiduciary, crime, and workers compensation. Accessed 2026-09-16. 8. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Consumer-goods and accessible-luxury audience; Insurance policies for Consumer Product companies to consider, including product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto, umbrella, employee crime/fidelity, and workers compensation. Accessed 2026-09-16. 9. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub cards: General Liability & Umbrella, Stock Throughput, Product Recall, D&O, EPL, Workers Compensation, Cyber Liability, Technology Errors & Omissions; nav labels POLICIES and FOR CLIENTS. Accessed 2026-09-16. 10. [General Liability](https://ameliarisk.com/insurance-policies/general-liability/). Amelia Risk Insurance Brokers; What's covered: premises, personal and advertising injury, product liability; hired and non-owned auto; umbrella or excess as higher limits over scheduled underlying liability. Accessed 2026-09-16. 11. [Stock Throughput](https://ameliarisk.com/insurance-policies/stock-throughput/). Amelia Risk Insurance Brokers; What's covered: stock throughput often referred to as cargo; in-transit and at-location coverages; selling-price valuation compared with replacement cost. Accessed 2026-09-16. 12. [Product Recall](https://ameliarisk.com/insurance-policies/product-recall/). Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy; As your broker, we help walk through these factors. Accessed 2026-09-16. 13. [Directors And Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/). Amelia Risk Insurance Brokers; What's covered by a D&O policy; when companies commonly consider purchase around outside funding. Accessed 2026-09-16. 14. [Employment Practices Liability (EPL)](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/). Amelia Risk Insurance Brokers; What's covered; timing note referring to employers in CA and NY as more litigious environments, not a statement of Amelia Risk's licensed states. Accessed 2026-09-16. 15. [Workers Compensation](https://ameliarisk.com/insurance-policies/workers-compensation/). Amelia Risk Insurance Brokers; Educational description of workers compensation as statutory coverage required by all 50 states; when an employer with payroll should buy it. This is not a product-by-state eligibility schedule for Amelia Risk.. Accessed 2026-09-16. 16. [Cyber Liability](https://ameliarisk.com/insurance-policies/cyber-liability/). Amelia Risk Insurance Brokers; Network security and privacy liability; first-party and third-party components; cyber-crime/social engineering described as a traditional add-on. Accessed 2026-09-16. 17. [Technology Errors And Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/). Amelia Risk Insurance Brokers; Tech E&O described as a more specific term for professional liability covering financial loss from failed technology products or services. Accessed 2026-09-16. 18. [Contact Us](https://ameliarisk.com/contact/). Amelia Risk Insurance Brokers; Get in touch invitation; embedded contact iframe; LEARN ABOUT OUR SPECIALTIES; footer locations San Francisco and East Bay. Accessed 2026-09-16. 19. [Privacy Policy](https://ameliarisk.com/privacy-policy/). Amelia Risk Insurance Brokers; Opening identification: We are Amelia Risk Insurance Brokers & our website address is https://ameliarisk.com. WordPress-style comment/media/cookie notices; no producer license or compensation disclosure. Accessed 2026-09-16. 20. [Why We Created Amelia Risk](https://ameliarisk.com/blog/who-is-amelia/). Amelia Risk Insurance Brokers; Liz Moore, 16 August 2021; late 2019 launch; independent coverage-first broker; women-owned positioning; free-consultation email at close. Accessed 2026-09-16. 21. [The Importance Of An Insurance Broker](https://ameliarisk.com/blog/the-importance-of-a-broker/). Amelia Risk Insurance Brokers; Liz Moore, 23 August 2021; broker as outsourced risk manager and claims/renewal advocate; closing invitation for a free consultation. Accessed 2026-09-16. 22. [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/). Amelia Risk Insurance Brokers; Danielle Holyoake introduction: CRO and co-founder; late 2019 start; CPG focus; D&O underwriting described as days to a few weeks with completed information, with a two-to-three-week comfortable budget; inventory/stock throughput discussion. Company-hosted transcript of a third-party podcast.. Accessed 2026-09-16. 23. [Nexsure Client Login](https://portal2018.nexsure.com/Login?key=0723CDE468584231BF409821). Nexsure; Login URL linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation as of 16 September 2026; authenticated contents not reviewed. Accessed 2026-09-16. 24. [Ascend Insured Portal For Amelia Risk Insurance Brokers](https://portal.useascend.com/amelia_risk_insurance_brokers). Ascend; Path /amelia_risk_insurance_brokers linked from Amelia Risk navigation; unauthenticated request redirected toward login and did not expose policy contents. Accessed 2026-09-16. 25. [Amelia Risk Pay Now](https://ameliarisk.epaypolicy.com/). ePayPolicy; Footer Pay Now / MAKE A PAYMENT target on ameliarisk.com; unauthenticated GET returned HTTP 500 during this review, so payment-flow details were not inspected. Accessed 2026-09-16. 26. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Agency or Organization Name search requires Cloudflare Turnstile. No license result for Amelia Risk was retrieved on 16 September 2026. This is an access limitation, not a negative license finding.. Accessed 2026-09-16. 27. [Look Up A National Producer Number](https://nipr.com/licensing-center/look-up-a-national-producer-number). National Insurance Producer Registry; Public NPN lookup definition page reviewed; Amelia Risk’s official site does not publish an NPN to search, and no NPN was independently confirmed here. Accessed 2026-09-16. 28. [Bizfile Online](https://bizfileonline.sos.ca.gov/). California Secretary of State; Business-search API request from this research environment was blocked by the site’s security service on 16 September 2026. No official California entity snapshot was retrieved. This is an access limitation, not a formation finding.. Accessed 2026-09-16. ### [Founder Shield Official Website](https://foundershield.com) 29. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15. 30. [Terms of Service](https://foundershield.com/terms-of-service/). Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15. 31. [About Us](https://foundershield.com/about-us/). Founder Shield; Opening description and Charting Your path from MVP to IPO. Accessed 2026-09-15. 32. [Partnerships](https://baldwin.com/partnerships/). The Baldwin Group; Brand-change introduction and 2020–2024 acquisitions list, Founder Shield entry. Accessed 2026-09-15. 33. [List of Subsidiaries as of February 26, 2026](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/exhibit-211fy2025q4.htm). The Baldwin Insurance Group, Inc. (SEC filing); Exhibit 21.1, list as of February 26, 2026: The Baldwin Group Specialty Solutions, LLC, Florida. Accessed 2026-09-15. 34. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider; What Coverage Does your Startup Need?. Accessed 2026-09-15. 35. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15. 36. [Create Account](https://apx.foundershield.com/register). Founder Shield; Public registration screen: Google, Microsoft, email and password options. Accessed 2026-09-15. 37. [How Do I Bind Coverage?](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-bind-coverage/). Founder Shield; Jonathan Selby answer, November 25, 2024: proposal approval, payment, effective date and electronic signatures. Accessed 2026-09-15. 38. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; Jonathan Selby answer, November 25, 2024: appetite, stated rating standard and carrier-selection criteria. Accessed 2026-09-15. 39. [Coverage](https://foundershield.com/coverage/). Founder Shield; Core Coverage and Specialized Coverage lists. Accessed 2026-09-15. 40. [How Do We Purchase “A La Carte” Commercial Insurance?](https://foundershield.com/insurance-faqs/general-faqs/how-do-we-purchase-a-la-carte-commercial-insurance/). Founder Shield; Jonathan Selby answer, November 25, 2024: individual coverages, limits, deductibles and endorsements. Accessed 2026-09-15. 41. [Directors & Officers Insurance](https://foundershield.com/coverage/directors-and-officers-insurance/). Founder Shield; What Does D&O Insurance Cover?; Major Shareholder Exclusion; D&O Insurance Cost and Enhancements. Accessed 2026-09-15. 42. [Generative AI Liability Insurance](https://foundershield.com/coverage/generative-ai-liability-insurance/). Founder Shield; Who Needs coverage; five coverage categories; Generative AI Liability Policy; exclusions; Speak with a Generative AI Liability Insurance Broker. Accessed 2026-09-15. 43. [AI Liability Insurance for Brokers](https://www.testudo.co/brokers). Testudo; What does the policy cover? (six insuring agreements); Limits & pricing; target customers; application materials via Broker Platform. Accessed 2026-09-15. 44. [About Testudo](https://www.testudo.co/about). Testudo; What we do; Coverage you can rely on when it matters. Accessed 2026-09-15. 45. [Licenses and Regulatory Disclosures](https://www.testudo.co/licenses). Testudo; United States entity and non-risk-bearing role; United Kingdom entity disclosure. Accessed 2026-09-15. 46. [How Do I Get a Certificates of Insurance?](https://foundershield.com/insurance-faqs/general-faqs/how-do-i-get-a-certificates-of-insurance/). Founder Shield; Luke Kaltreider answer, November 25, 2024: email requests, contract wording and endorsement needs. Accessed 2026-09-15. 47. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15. 48. [The Ultimate Business Insurance Renewal Checklist for Startups](https://foundershield.com/blog/business-insurance-renewal-checklist-for-startups/). Founder Shield; January 12, 2026; Know Your Part in the Renewal Process; The Early Start Advantage (60–90 days). Accessed 2026-09-15. 49. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15. 50. [What Am I Actually Getting For the Price of Business Insurance?](https://foundershield.com/insurance-faqs/general-faqs/what-am-i-actually-getting-for-the-price-of-business-insurance/). Founder Shield; Carl Niedbala answer, November 25, 2024: policy period, quoted charges, installments and premium financing. Accessed 2026-09-15. 51. [Transparency & Disclosure](https://baldwin.com/transparency-disclosure/). The Baldwin Group; Effective January 1, 2026; How The Baldwin Group is Compensated, including client fees, contingent commissions, affiliate services and referral fees. Accessed 2026-09-15. 52. [Disciplinary Actions Issued August 21, 2025](https://www.dfs.ny.gov/system/files/documents/2025/08/da20250821.pdf). New York State Department of Financial Services; Page 6 of 12, Region: New York, Foundershield LLC; $36,600 fine; consent order approved June 26, 2025. Accessed 2026-09-15. 53. [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elsearch.alis). New York State Department of Financial Services; Producer-search entry point; CAPTCHA prevented an entity-specific result during this review. Accessed 2026-09-15. 54. [License](https://baldwin.com/license/). The Baldwin Group; California entity/license table; neither Foundershield LLC nor The Baldwin Group Specialty Solutions, LLC is listed. Accessed 2026-09-15. 55. [Surplus Lines](https://content.naic.org/insurance-topics/surplus-lines). National Association of Insurance Commissioners; Background, Issue; updated October 27, 2025: nonadmitted specialized insurers cover risks unavailable in the admitted market. Accessed 2026-09-15. 56. [Content Creator Insurance](https://foundershield.com/coverage/content-creator/). Founder Shield; What Is Content Creator Insurance? Media liability coverage for creators. Accessed 2026-09-15. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/amelia-risk-vs-foundershield.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)