---
title: "The Baldwin Group vs Gallagher: General Liability Insurance"
description: "Gallagher lists defense, investigation, medical, and bond expenses and offers online, phone, or callback quoting; The Baldwin Group describes advisor-led placement."
canonical: "https://spot.insure/compare/baldwin-vs-gallagher/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-gallagher"
provider-a: "baldwin"
provider-b: "gallagher"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/baldwin-vs-gallagher/general-liability)

## Agent Guide

**What this page is:** Focused comparison of The Baldwin Group and Gallagher 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 The Baldwin Group versus Gallagher. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- The Baldwin Group vs Gallagher for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, The Baldwin Group or Gallagher?
- What does The Baldwin Group or Gallagher publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from The Baldwin Group or Gallagher?

**Key facts:**
- Line: General Liability Insurance. Providers: The Baldwin Group and Gallagher.
- 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:**
- [The Baldwin Group vs Gallagher](https://spot.insure/compare/baldwin-vs-gallagher) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [The Baldwin Group vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Crime Insurance](https://spot.insure/compare/baldwin-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Cyber Insurance](https://spot.insure/compare/baldwin-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Fidelity Bonds](https://spot.insure/compare/baldwin-vs-gallagher/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-gallagher/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs Gallagher: How Do They Compare for General Liability Insurance?

Gallagher lists defense, investigation, medical, and bond expenses and offers online, phone, or callback quoting; The Baldwin Group describes advisor-led placement.

## Research Scope and Use

Use this comparison to evaluate The Baldwin Group and Gallagher 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

Gallagher names multiple GL expense categories and three quote channels, while The Baldwin Group describes sector advice without a public quote path. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability")

## What Is the Baldwin Group?

Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance")

[The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin)

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [9](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [11](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Expenses Listed for a Claim

Gallagher says its general-liability coverage may include claim investigation and defense, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for bonds required in a liability suit. The Baldwin Group lists GL as an option but does not publish an expense list or buyer-specific policy terms. A business should compare these items against the actual insurer form, including whether defense expenses reduce the limit. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

### Ways to Start a Quote

Gallagher offers an online form, an advisor phone line, and a scheduled callback; it arranges coverage with partner carriers rather than underwriting. The Baldwin Group describes sector-team advice and brokerage but does not specify a comparable GL application route. The defined Gallagher channels may be useful for a small business seeking an initial quote; neither route establishes the final carrier or price. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

## What to Confirm in General Liability Insurance Quotes

- Ask Gallagher which listed expenses are inside the limit and which partner carrier would issue the policy. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability")
- Ask The Baldwin Group how to submit the risk and request limits, retentions, and covered operations. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

## Offering Details

| Criteria | Baldwin General Liability Brokerage and Advisory | Gallagher Small Business General Liability Insurance |
| --- | --- | --- |
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for General Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business general liability product page..) |
| Issuing Insurer | Confirm in your quote. | The general liability product page does not name the insurer that would issue a given business's policy. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23..) |
| Who It’s For | Baldwin identifies professional-services firms and government contractors as audiences for commercial general-liability options. The pages do not establish a particular organization’s placement eligibility. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | Confirm in your quote. |
| Coverage Features | Baldwin lists general liability as a coverage option and, on its government-contracting page, a coverage consideration. It does not specify the insured operations, occurrence form, limits or exclusions of a buyer’s policy. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Product page coverage overview; the issued policy and its exclusions control..)<br><br>Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Product page expense list; the issued policy and its exclusions control..) |
| Limits and Retentions | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | The general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23..) |
| Risk Services | Baldwin says its sector teams review coverage considerations and provide risk-mitigation expertise to help clients plan insurance programs. Those advisory services are separate from policy coverage. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. [10](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/ "General Liability") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) |

## Full Comparison

- [The Baldwin Group vs Gallagher](https://spot.insure/compare/baldwin-vs-gallagher): 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.
- [The Baldwin Group vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-auto)
- [The Baldwin Group vs Gallagher Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-gallagher/commercial-property)
- [The Baldwin Group vs Gallagher Crime Insurance](https://spot.insure/compare/baldwin-vs-gallagher/crime)
- [The Baldwin Group vs Gallagher Cyber Insurance](https://spot.insure/compare/baldwin-vs-gallagher/cyber)
- [The Baldwin Group vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/employment-practices)
- [The Baldwin Group vs Gallagher Fidelity Bonds](https://spot.insure/compare/baldwin-vs-gallagher/fidelity-bonds)
- [The Baldwin Group vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/fiduciary)
- [The Baldwin Group vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-gallagher/representations-warranties)
- [The Baldwin Group vs Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/surety-bonds)
- [The Baldwin Group vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-gallagher/umbrella-excess)
- [The Baldwin Group vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-gallagher/workers-compensation)
- [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability)
- [Alliance Risk vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/general-liability)
- [Alliance Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/general-liability)
- [Amelia Risk vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/general-liability)
- [Amelia Risk vs Gallagher General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/general-liability)

## Sources

### The Baldwin Group

1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28.
2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28.
3. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-services/). The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29.. Accessed 2026-09-30.
4. [Government Contractor Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/government/). The Baldwin Group; GovCon customer/service description lines 21–33; GovTech collaboration, customer scope and coverage considerations lines 93–111; risk-mitigation service lines 113–118; accessed 2026-09-29.. Accessed 2026-09-30.

### Gallagher

5. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
6. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
7. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
8. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
9. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
10. [General Liability](https://www.gallaghersmallbusiness.com/insurance-products/general-liability/). Gallagher Small Business; Coverage Overview; claim-cause examples (product-related injury, operations-related damage, libel/slander allegations); typical covered expenses list; Get Covered Now. Accessed 2026-09-23.

### General Liability Insurance Guide

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

## The Baldwin Group Reviews

Review Score: not enough ratings.

The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.



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

## Gallagher Reviews

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/baldwin-vs-gallagher/general-liability.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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