---
title: "Aon vs WithCoverage: Workers’ Compensation Insurance"
description: "WithCoverage audits workers’ comp in an existing program without requiring a broker change; Aon describes construction brokerage and project advice."
canonical: "https://spot.insure/compare/aon-vs-withcoverage/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-withcoverage"
provider-a: "aon"
provider-b: "withcoverage"
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/aon-vs-withcoverage/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of Aon and WithCoverage 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 Aon versus WithCoverage. 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 WithCoverage for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Aon or WithCoverage?
- What does Aon or WithCoverage publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Aon or WithCoverage?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Aon and WithCoverage.
- 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 WithCoverage](https://spot.insure/compare/aon-vs-withcoverage) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence)
- [Aon vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aon-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs WithCoverage General Liability Insurance](https://spot.insure/compare/aon-vs-withcoverage/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-withcoverage/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-aon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-withcoverage/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-aon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/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 WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/workers-compensation) — sibling comparison (other line, or other pair for this line)

# Aon vs WithCoverage: How Do They Compare for Workers’ Compensation Insurance?

WithCoverage audits workers’ comp in an existing program without requiring a broker change; Aon describes construction brokerage and project advice.

## Research Scope and Use

Use this comparison to evaluate Aon and WithCoverage 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.

## Summary

WithCoverage audits workers’ comp in an existing program without requiring a broker change; Aon describes construction brokerage and project advice. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [9](https://www.withcoverage.com/legal/terms "Terms & 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 WithCoverage?

WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. [4](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [5](https://www.withcoverage.com/company "About WithCoverage") [6](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B")

[WithCoverage profile](https://spot.insure/insurance-providers/withcoverage)

## 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. [10](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [13](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Project Advice and Program Audit

Aon describes project-specific risk advice and global broking across construction lines. WithCoverage reviews workers’ comp as part of a broader program audit for construction and restaurant clients and says it can place or transition coverage. The difference is an advisory and placement practice versus reviewing an existing insurance program. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")

### Workers’ Comp Scope

WithCoverage names workers’ comp in its audit scope for construction and restaurant clients. Aon lists the line within its construction coverage areas but does not describe a program audit. Buyers can use the audit to examine current terms, then ask either broker for a specific proposal and forms. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")

### Using an Existing Broker

WithCoverage says its audit does not require leaving the current broker and is typically completed about one business day after receiving policy documents. Aon describes a construction broking practice rather than a time-bounded audit. The routes address different stages of a coverage review. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask WithCoverage which workers’ comp policies and limits it will benchmark and whether it provides transition support. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")
- Ask Aon what payroll, state and project details it needs for new placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")

## Offering Details

| Criteria | Aon Workers’ Compensation brokerage and risk-advisory offering | WithCoverage Workers' Compensation Program Review |
| --- | --- | --- |
| 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 workers’ compensation, 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..) | WithCoverage is a broker, not an insurer; it reviews workers' compensation coverage as part of a broader insurance-program audit for construction and restaurant clients, among other industries, and can place or transition the coverage. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [9](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations..) |
| 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..) | The reviewed pages do not name which insurer or insurers WithCoverage places workers' compensation coverage with for any given client. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: Construction and restaurant pages as read on 2026-09-23..) |
| 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..) | WithCoverage frames workers' compensation risk specifically for construction operators managing project profit margins and for restaurant operators managing thin service margins, rather than as a generic offering. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant page hero copy..) |
| Coverage Features | Aon lists Workers’ Compensation Insurance among the construction coverage areas it brokers. The page does not describe state-specific statutory benefits, employer-liability terms or how a buyer’s policy responds. [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..) | Workers' compensation is explicitly named in both the page hero and the itemized program-audit scope on both the construction and restaurant industry pages, one of the few lines confirmed consistently in both places for multiple industries. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant industry page hero copy and FAQ..) |
| 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..) | Confirm in your 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..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | WithCoverage offers a no-cost program audit that includes workers' compensation without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant page FAQs..) |

## Full Comparison

- [Aon vs WithCoverage](https://spot.insure/compare/aon-vs-withcoverage): 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.
- [Aon vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aon-vs-withcoverage/commercial-property)
- [Aon vs WithCoverage General Liability Insurance](https://spot.insure/compare/aon-vs-withcoverage/general-liability)
- [Aon vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-withcoverage/umbrella-excess)
- [AIG vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-aon/workers-compensation)
- [AIG vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-withcoverage/workers-compensation)
- [Alliance Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-aon/workers-compensation)
- [Alliance Risk vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/workers-compensation)
- [Amelia Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-aon/workers-compensation)
- [Amelia Risk vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/workers-compensation)

## 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.

### WithCoverage

4. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
5. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
6. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
7. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing Workers' Comp among reviewed policies. Accessed 2026-09-23.
8. [Restaurant Insurance & Risk Management](https://www.withcoverage.com/industries/restaurants). WithCoverage; Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Have Questions? program-audit FAQ listing Workers' Comp among reviewed policies. Accessed 2026-09-23.
9. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

10. [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.
11. [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.
12. [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.
13. [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.

## 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).

## WithCoverage Reviews

Review Score: not enough ratings.

We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates.

- FeaturedCustomers: Customer reference rating 4.8 (out of 5); 299 reviews. Vendor-supplied customer references on a testimonial-marketing site; not an open consumer review platform. Checked 2026-09-29. [WithCoverage customer reviews and references](https://www.featuredcustomers.com/vendor/withcoverage)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-withcoverage/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)