--- title: "Aon vs StartupInsurance.ai: General Liability Insurance" description: "Aon describes a construction practice for contractors, owners, developers, engineers, and architects, while StartupInsurance.ai focuses its GL messaging on certificates naming customers or landlords as additional insured, with primary and non-contributory wording and waiver of subrogation." canonical: "https://spot.insure/compare/aon-vs-startupinsurance/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aon-vs-startupinsurance" provider-a: "aon" provider-b: "startupinsurance" coverage-line: "general-liability" --- 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/aon-vs-startupinsurance/general-liability) ## Agent Guide **What this page is:** Focused comparison of Aon and StartupInsurance.ai for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for General Liability Insurance questions about Aon versus StartupInsurance.ai. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Aon vs StartupInsurance.ai for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, Aon or StartupInsurance.ai? - What does Aon or StartupInsurance.ai publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from Aon or StartupInsurance.ai? **Key facts:** - Line: General Liability Insurance. Providers: Aon and StartupInsurance.ai. - 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:** - [Aon vs StartupInsurance.ai](https://spot.insure/compare/aon-vs-startupinsurance) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence) - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence) - [Aon vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/aon-vs-startupinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aon-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aon-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Aon vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Aon General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) # Aon vs StartupInsurance.ai: How Do They Compare for General Liability Insurance? Aon describes a construction practice for contractors, owners, developers, engineers, and architects, while StartupInsurance.ai focuses its GL messaging on certificates naming customers or landlords as additional insured, with primary and non-contributory wording and waiver of subrogation. ## Research Scope and Use Use this comparison to evaluate Aon and StartupInsurance.ai for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Aon describes a construction practice for contractors, owners, developers, engineers, and architects, while StartupInsurance.ai focuses its GL messaging on certificates naming customers or landlords as additional insured, with primary and non-contributory wording and waiver of subrogation. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") ## What Is Aon? Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients") [Aon profile](https://spot.insure/insurance-providers/aon) ## What Is StartupInsurance.ai? StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [4](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [9](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### Construction market placement and StartupInsurance.ai’s certificate focus Aon describes a construction practice for contractors, owners, developers, engineers, and architects. StartupInsurance.ai focuses its GL messaging on certificates naming customers or landlords as additional insured, with primary and non-contributory wording and waiver of subrogation. A construction buyer can use those certificate requirements to ask both providers for precise evidence of what the policy will satisfy. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Project advice and policy review Aon describes project risk advice on transfer and mitigation. StartupInsurance.ai offers a free review of current policies and a customer contract, returning a summary of AI exclusions and contract-policy gaps within 48 hours. These are different services: ask Aon what project review accompanies placement and StartupInsurance.ai what its review says about the particular GL form and contract. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What to Confirm in General Liability Insurance Quotes - Ask Aon how its proposed GL form meets the additional-insured and waiver wording in your construction contract. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Ask StartupInsurance.ai to review the current GL form and customer agreement for the specific requested certificate terms. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## Offering Details | Criteria | Aon General Liability brokerage and risk-advisory offering | StartupInsurance.ai General Liability (GL) | | --- | --- | --- | | Role in This Line | Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For general liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | StartupInsurance.ai lists general liability among the lines its startup program places. The brokerage is ContractorNerd Insurance Services, LLC, which its own terms describe as an insurance agency/producer that arranges coverage and does not underwrite policies itself. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and ContractorNerd's terms and conditions; describes the brokerage's role generally and names general liability as one of the placed lines, not a specific policy's terms..) | | Issuing Insurer | The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not found in reviewed sources; scope: Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement..) | StartupInsurance.ai's carrier panel names six insurers (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA), with ratings shown for three of them, but the reviewed pages do not say which panel carrier issues a given company's general liability policy. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel; the panel is program-wide and not broken out by coverage line, so the specific insurer for a general liability placement is not disclosed and varies by placement..) | | Who It’s For | Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | StartupInsurance.ai frames its "what cleared means" pitch around certificates of insurance naming a customer or landlord as additional insured, primary and non-contributory, with a waiver of subrogation — requirements that typically apply to general liability policies. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative section aimed at founders who need a certificate to satisfy a landlord or customer contract; does not state formal underwriting eligibility criteria (industry, revenue, headcount) for general liability..) | | Coverage Features | Aon lists General Liability within construction liability and describes casualty protection for third-party bodily injury or property damage associated with negligent acts during construction or operations. A policy’s actual insureds, triggers, exclusions and conditions are not stated on this practice page. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage..) | StartupInsurance.ai says that in January 2026 the standard general liability forms industry-wide picked up three new AI-related exclusions, and illustrates its policy-check service with an example flagging exclusion form CG 40 42. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Wording that still says yes" section; describes an industry-wide forms change the brokerage says it checks for, not the terms of any specific StartupInsurance.ai-placed policy..) | | Limits and Retentions | The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | The reviewed pages do not publish sample general liability limits, sublimits or retentions; StartupInsurance.ai's public marketing pages do not show program-level numbers for this line. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote..) | | Risk Services | Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | StartupInsurance.ai offers a free policy check: send in your current policies and a customer contract, and within 48 hours you get a one-page summary of AI exclusions in your program and where your contract asks for something the policy doesn't give. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer, not a guarantee of findings for any particular general liability policy..) | | How to Apply | Confirm in your quote. | General Liability (GL) is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "bodily injury, property damage, and advertising injury." [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show what follow-up underwriting questions or documentation the flow requires..) | ## Full Comparison - [Aon vs StartupInsurance.ai](https://spot.insure/compare/aon-vs-startupinsurance): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [Aon vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/aon-vs-startupinsurance/commercial-auto) - [Aon vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aon-vs-startupinsurance/commercial-property) - [Aon vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aon-vs-startupinsurance/directors-officers) - [Aon vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-startupinsurance/fiduciary) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) - [AIG vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/general-liability) - [Alliance Risk vs Aon General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/general-liability) - [Alliance Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/general-liability) - [Amelia Risk vs Aon General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/general-liability) - [Amelia Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/general-liability) ## Sources ### Aon 1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29. 2. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29. 3. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. Accessed 2026-09-30. ### StartupInsurance.ai 4. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 5. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; What “cleared” means (I. Paper your customer already accepts); Wording that still says yes (AI exclusion audit graphic, Exclusion detected CG 40 42); Coverage: What we place; The free policy check. Accessed 2026-09-23. 6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: General Liability (GL) — “Covers bodily injury, property damage, and advertising injury”. Accessed 2026-09-23. 7. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23. 8. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16. ### General Liability Insurance Guide 9. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 11. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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. ## Aon Reviews Review Score: 6.1 / 10 from 3 rated sources, equally weighted. Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts. - J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study) - Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com) - BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291) - BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aon/reviews). ## StartupInsurance.ai Reviews Review Score: not enough ratings. StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/startupinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aon-vs-startupinsurance/general-liability.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)