--- title: "Amelia Risk vs Marsh McLennan Agency: Workers’ Compensation Insurance" description: "Amelia Risk describes payroll-based pricing and employer-liability coverage; Marsh McLennan Agency names workers’ compensation with safety and prevention support." canonical: "https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "amelia-risk-vs-marsh-mclennan-agency" provider-a: "amelia-risk" provider-b: "marsh-mclennan-agency" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Amelia Risk and Marsh McLennan Agency for Workers’ Compensation 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 Workers’ Compensation Insurance questions about Amelia Risk versus Marsh McLennan Agency. 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 Marsh McLennan Agency for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Amelia Risk or Marsh McLennan Agency? - What does Amelia Risk or Marsh McLennan Agency publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from Amelia Risk or Marsh McLennan Agency? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Amelia Risk and Marsh McLennan Agency. - 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 Marsh McLennan Agency](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile (evidence) - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [Amelia Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-amelia-risk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) — 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) - [Amelia Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line) # Amelia Risk vs Marsh McLennan Agency: How Do They Compare for Workers’ Compensation Insurance? Amelia Risk describes payroll-based pricing and employer-liability coverage; Marsh McLennan Agency names workers’ compensation with safety and prevention support. ## How to Use the Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance Comparison Use this comparison to evaluate Amelia Risk and Marsh McLennan Agency for Workers’ Compensation 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. ## Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance Summary Amelia Risk says workers’ compensation premiums use payroll and a rate, and that policies include employer’s liability. Marsh McLennan Agency describes the line alongside safety and prevention support. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## 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 Marsh McLennan Agency? Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [6](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [7](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## What Is Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## What Are the Key Differences Between Amelia Risk and Marsh McLennan Agency Workers’ Compensation Insurance? ### Premium Calculation and Policy Detail Amelia Risk explains a specific pricing basis: payroll multiplied by a rate, with no rate table published on the reviewed page. It also says a workers’ compensation policy includes employers liability for suits alleging employer negligence. Marsh McLennan Agency describes workers’ compensation as coverage for workplace injury or death and mentions safety and prevention support, but does not state a pricing formula or identify policy components in its overview. For budgeting, Amelia gives the calculation structure while leaving the rate unknown; ask both brokers for the class codes and actual quote. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ### Eligibility and Application Help Amelia Risk says a business should buy coverage when it has an employee on payroll and notes that eligible officers may decline coverage for themselves. Its brokerage process gathers company information, approaches insurers, and reviews resulting quotes with the client. MMA says state and class eligibility depends on placement and routes buyers to an adviser. Employers should provide the same payroll and officer details to both teams so any exclusions or state requirements are visible before binding. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## What Should You Confirm in Amelia Risk and Marsh McLennan Agency Workers’ Compensation Insurance Quotes? - What payroll rate and class codes would Amelia apply, and can an officer opt out in your state? [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") - Which MMA markets will quote your state and employee classes, and what safety services are included? [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Compared | Criteria | Workers Compensation | Marsh McLennan Agency workers compensation (official overview) | | --- | --- | --- | | Role in This Line | Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. [5](https://ameliarisk.com/insurance-policies/ "Insurance Policies") (Evidence: Company-reported; scope: Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy..) | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; 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 dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not publicly disclosed; scope: Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists..) | Confirm in your quote. | | Who It’s For | Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") (Evidence: Company-reported; scope: Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state..) | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; 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 describes Workers Compensation as statutory coverage, paying an injured employee's medical bills when the employee is hurt or injured at work. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") (Evidence: Company-reported; scope: Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form..)

Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") (Evidence: Company-reported; scope: Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component..) | The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; 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 states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. [4](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") (Evidence: Company-reported; scope: Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule..) | 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. [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (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 applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form..) | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [8](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | ## Related Pages for Amelia Risk vs Marsh McLennan Agency - [Amelia Risk vs Marsh McLennan Agency](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [Amelia Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cargo-transit) - [Amelia Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cyber) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) - [Amelia Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/employment-practices) - [Amelia Risk vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/general-liability) - [AIG vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-amelia-risk/workers-compensation) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) - [Alliance Risk vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/workers-compensation) - [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) - [Amelia Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-aon/workers-compensation) - [Amelia Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/workers-compensation) ## Sources for Amelia Risk vs Marsh McLennan Agency ### Sources About 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; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23. 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. [Workers Compensation](https://ameliarisk.com/insurance-policies/workers-compensation/). Amelia Risk Insurance Brokers; What's covered by a Workers Compensation Policy?; premium as payroll x rate; Employer's Liability; When should a company buy a Workers Compensation Policy?. Accessed 2026-09-23. 5. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Workers Compensation. Accessed 2026-09-23. ### Sources About Marsh McLennan Agency 6. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29. 7. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29. 8. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention.. Accessed 2026-09-30. ### Sources for the Workers’ Compensation Insurance Guide 9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16. 10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16. 11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16. 12. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. 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 Review Scores for 2026 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). ## Marsh McLennan Agency Review Scores for 2026 Review Score: 8.2 / 10 from 2 rated sources, equally weighted. There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years. - Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com) - Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com) - BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103) - BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation.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)