---
title: "Amelia Risk vs Markel Insurance: Cargo and Transit Insurance"
description: "Amelia Risk describes stock-throughput protection for consumer-product inventory in transit and at locations, while Markel lists cargo transit options for transportation customers."
canonical: "https://spot.insure/compare/amelia-risk-vs-markel/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "amelia-risk-vs-markel"
provider-a: "amelia-risk"
provider-b: "markel"
coverage-line: "cargo-transit"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-markel/cargo-transit)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Markel Insurance for Cargo and Transit 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 Cargo and Transit Insurance questions about Amelia Risk versus Markel Insurance. 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 Markel Insurance for Cargo and Transit Insurance: how do they differ?
- Which is better for Cargo and Transit Insurance, Amelia Risk or Markel Insurance?
- What does Amelia Risk or Markel Insurance publish about Cargo and Transit Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cargo and Transit Insurance from Amelia Risk or Markel Insurance?

**Key facts:**
- Line: Cargo and Transit Insurance. Providers: Amelia Risk and Markel Insurance.
- 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 Markel Insurance](https://spot.insure/compare/amelia-risk-vs-markel) — parent: all coverage lines for this pair
- [Cargo and Transit Insurance guide](https://spot.insure/coverage/cargo-transit) — coverage explainer for this line
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile (evidence)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Amelia Risk vs Markel Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-markel/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-markel/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cargo-transit) — sibling comparison (other line, or other pair for this line)

# Amelia Risk vs Markel Insurance: How Do They Compare for Cargo and Transit Insurance?

Amelia Risk describes stock-throughput protection for consumer-product inventory in transit and at locations, while Markel lists cargo transit options for transportation customers.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Markel Insurance for Cargo and Transit 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 describes stock-throughput coverage across transit and storage and values finished products at selling price; Markel lists ocean cargo, motor-truck and contingent cargo options without publishing a universal limit. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance")

## 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)

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [8](https://www.markel.com/about-us "About us") [9](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.trade.gov/shipping-options "Shipping Options") [13](https://www.trade.gov/special-documents "Special Documents") [14](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage")

## Key Differences in Cargo and Transit Insurance

### Inventory Continuity

Amelia Risk describes stock-throughput coverage with in-transit and at-location components, intended to cover inventory across supply-chain stages rather than only while moving. Markel lists ocean cargo for U.S. shipments by land, air or sea, plus motor-truck and contingent-cargo options. A consumer-products company can ask Amelia Risk whether its proposal covers inventory at each storage site; with Markel, map every mode and warehouse to the quoted cargo sections. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance")

### Valuation and Product Audience

Amelia Risk says finished products are valued at selling price and identifies cargo/stock throughput for consumer-product and CPG clients. Markel describes transportation customers shipping or storing materials but does not state a finished-goods valuation basis in its overview. Ask Amelia Risk how selling price is calculated for work in progress and whether it applies to all insured inventory; ask Markel which valuation basis the insurer will use. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance")

### Quote Scope and Insurer

Amelia Risk acts as a broker and its reviewed stock-throughput material does not identify an issuing insurer or publish limits. Markel invites buyers or brokers to contact its underwriting team, while its overview also leaves buyer-specific limits to the proposal. Both require a project-specific quote; request the carrier, limit, deductible and treatment of loading and unloading before comparing terms. [7](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance")

## What to Confirm in Cargo and Transit Insurance Quotes

- Ask Amelia Risk to identify the insurer, selling-price valuation method and treatment of loading/unloading and stored inventory. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput")
- Ask Markel which shipping modes and storage locations are insured and request per-shipment limits and retentions. [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance")
- Provide inventory values, supply-chain stages, locations and annual shipment patterns to both teams. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance")

## Offering Details

| Criteria | Amelia Risk Stock Throughput (Cargo) Insurance Brokerage | Markel cargo transit (official overview) |
| --- | --- | --- |
| Role in This Line | Amelia Risk arranges stock-throughput coverage, which it describes as protecting inventory "at any point in the supply chain" rather than only while goods are physically moving. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Dedicated stock-throughput product page; a brokerage placement, not an insurer-issued policy summary..) | Markel describes offering cargo transit for the audience stated on the cited product page. [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Company-reported; scope: cargo transit marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | The reviewed pages do not name an insurer for stock-throughput coverage; as a brokerage, Amelia Risk places the policy rather than underwriting it. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Not publicly disclosed; scope: Stock-throughput product page as read on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Amelia Risk lists cargo/stock throughput as a coverage for its CPG and consumer-product clients specifically; it does not appear in the startup or technology specialty checklists reviewed. [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Comparison of the four specialty pages' policy checklists as published..) | Transportation customers shipping or storing materials; the source also names motor-truck cargo, contingent cargo, railroad, and warehouse legal liability. [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Company-reported; scope: cargo transit marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Coverage Features | Amelia Risk says the policy has two coverages: in-transit and at-location. It says most claims happen during loading and unloading, and describes the combined policy as closing that gap between separate transit and property coverage. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Product page description; the issued policy and its forms control actual terms..)<br><br>Amelia Risk says the policy values finished product at selling price rather than replacement cost, which it describes as a more favorable valuation basis than a standard property policy. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Product page description; actual valuation terms depend on the policy as issued..) | The cited product page describes ocean cargo for U.S. shipments by land, air, or sea, alongside motor-truck cargo and contingent-cargo options. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Company-reported; scope: cargo transit marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | Amelia Risk's stock-throughput page describes the valuation method but does not publish limits, sublimits or deductibles. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Not publicly disclosed; scope: Stock-throughput product page as read on 2026-09-23..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| How to Apply | Amelia Risk says there is no single trigger for buying stock throughput coverage; it advises considering the policy as a company's supply chain grows more complex, and evaluating cost-effectiveness alongside the rest of the insurance program. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Product page guidance on timing of purchase, not a quote or application process description..) | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [10](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Company-reported; scope: cargo transit marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Full Comparison

- [Amelia Risk vs Markel Insurance](https://spot.insure/compare/amelia-risk-vs-markel): all coverage lines, business roles, service and claims.
- [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo coverage protects your financial interest in goods during transit; ownership, route, storage and late-delivery terms shape what the policy addresses.
- [Amelia Risk vs Markel Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-markel/cyber)
- [Amelia Risk vs Markel Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/directors-officers)
- [Amelia Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/employment-practices)
- [Amelia Risk vs Markel Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/general-liability)
- [Amelia Risk vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/product-liability)
- [Amelia Risk vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/umbrella-excess)
- [Amelia Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-markel/workers-compensation)
- [AIG vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cargo-transit)
- [AIG vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-markel/cargo-transit)
- [Alliance Risk vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/cargo-transit)
- [Alliance Risk vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-markel/cargo-transit)
- [Amelia Risk vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/cargo-transit)
- [Amelia Risk vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cargo-transit)

## 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. [Stock Throughput](https://ameliarisk.com/insurance-policies/stock-throughput/). Amelia Risk Insurance Brokers; What's covered by a Stock Throughput Policy?; in-transit and at-location coverages; loading and unloading gap; selling-price valuation; When should a company buy a Stock Throughput Policy?. Accessed 2026-09-23.
5. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Cargo / Stock Throughput. Accessed 2026-09-23.
6. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Cargo / Stock Throughput. Accessed 2026-09-23.
7. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Stock Throughput. Accessed 2026-09-23.

### Markel Insurance

8. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
9. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
10. [Commercial Inland Marine Insurance](https://www.markel.com/us/commercial/property/inland-marine). Markel; Ocean cargo; transportation; U.S. shipments by land, air, or sea; product page describes Markel's inland-marine offering.. Accessed 2026-09-30.

### Cargo and Transit Insurance Guide

11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
12. [Shipping Options](https://www.trade.gov/shipping-options). International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
13. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
14. [Motor Truck Cargo Legal Liability Coverage](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf). American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. 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).

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-markel/cargo-transit.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)