---
title: "Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance: General Liability Insurance"
description: "Compare BHSI’s primary GL features and minimum premium with ERGO NEXT’s online purchase flow and illustrative small-business limits."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-next-insurance"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "next-insurance"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/general-liability)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance 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 Berkshire Hathaway Specialty Insurance versus ERGO NEXT Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: General Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [ERGO NEXT Insurance profile](https://spot.insure/insurance-providers/next-insurance) — provider profile (evidence)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-next-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-next-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-next-insurance/general-liability) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance: How Do They Compare for General Liability Insurance?

Compare BHSI’s primary GL features and minimum premium with ERGO NEXT’s online purchase flow and illustrative small-business limits.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance 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

BHSI lists contractor and gradual-pollution features with a $50,000 premium floor; ERGO NEXT sells standalone GL online and publishes sample limits that vary by quote and declarations. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance")

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## What Is ERGO NEXT Insurance?

ERGO NEXT fits small businesses that want to quote, buy and manage general liability, workers' comp or a BOP online; if you need commercial auto, bonds or complex specialty cover, you'll be sent to partners or should use a broker. Staff-handled policy changes can take 7–10 business days. [7](https://www.nextinsurance.com/business-insurance/ "Business Insurance for Small Businesses") [8](https://www.nextinsurance.com/commercial-auto-insurance/ "Commercial Auto Liability Insurance") [9](https://www.nextinsurance.com/faq-category/my-account/ "My Account FAQs")

[ERGO NEXT Insurance profile](https://spot.insure/insurance-providers/next-insurance)

## 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. [12](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Specialty endorsements and sample limits

Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form and gradual-pollution features. ERGO NEXT’s posted Texas restaurant specimen shows $1 million per occurrence and $2 million aggregate, but states actual limits are set by each business’s quote and declarations. A buyer should treat those figures as an illustration, not a guaranteed ERGO NEXT offer, and compare them with limits available from BHSI. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [11](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen "General Liability Policy Specimen")

### Premium floor and digital buying

BHSI’s casualty guide sets a $50,000 minimum premium per policy. ERGO NEXT describes an online questionnaire of about 10 minutes, customized limits and deductibles, and purchase with coverage effective after payment. Smaller businesses may find the BHSI threshold an early screen, while ERGO NEXT offers a self-directed purchase route. Buyers still need to check the issued terms, insurer and exclusions before binding. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance")

## What to Confirm in General Liability Insurance Quotes

- Ask BHSI which limits and terms are available for the account and whether its floor applies. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.")
- Ask ERGO NEXT to confirm final limits, insurer and exclusions on your declarations. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance")

## Offering Details

| Criteria | Primary general liability | ERGO NEXT General Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | ERGO NEXT sells general liability as a standalone online policy for small businesses, separate from its bundled business owner's policy. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page; does not describe every distribution channel ERGO NEXT uses for this line..) |
| Issuing Insurer | Confirm in your quote. | The general liability product page does not name an issuing insurer. A posted Texas general-liability specimen names State National Insurance Company, Inc. as insurer, but it is a 2020-form illustrative specimen for one state and class, not evidence of the insurer on a new applicant's policy. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance") [11](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen "General Liability Policy Specimen") (Evidence: Verified; scope: Product page checked 2026-09-23; specimen form NXT-0337 BM GL 0619 in the declarations packet dated 2020..) |
| Who It’s For | The casualty guide lists primary GL forms and identifies commercial real estate, retail/grocery, financial institutions, construction and energy as target classes. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: US casualty appetite guide dated 2026-07-15. Material limitation: Guide includes classes to avoid and $50,000 minimum policy premium; acceptance is underwritten..) | ERGO NEXT targets general liability at brick-and-mortar shops and offices, businesses visited by customers or vendors, contractors who work at other people's property, and businesses that bid on contract jobs or need a license or permit. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: Product page eligibility framing; specific underwriting appetite by profession and state is not published on this page..) |
| Coverage Features | BHSI markets primary general liability, with contractor broad-form coverage, gradual-pollution features and flexible limits in its product overview. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US specialty commercial primary GL. Material limitation: These are overview features, not universal policy grants; forms and endorsements vary..) | ERGO NEXT says its general liability policies can cover slip-and-fall injuries to non-employees, damage to property the business does not own, legal defense costs, non-employee medical payments, and libel, slander or advertising-injury lawsuits. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: Product page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>ERGO NEXT lists the policy as excluding damage to the business owner's own property, employee injuries (covered by workers' compensation instead), professional errors, vehicle accidents and cyber attacks; those need separate policies or add-ons. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: Product page exclusions summary..) |
| Limits and Retentions | BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy and lists primary GL as an eligible line. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Selected US casualty accounts under guide dated 2026-07-15. Material limitation: Minimum premium is appetite guidance, not a quoted price or guaranteed minimum for all products..) | A posted Texas restaurant specimen shows illustrative limits of $1,000,000 per occurrence and $2,000,000 general aggregate, with a $100,000 damage-to-rented-premises limit and a $15,000 medical-expense limit. Actual limits are set by the quote and declarations for each business. [11](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen "General Liability Policy Specimen") (Evidence: Verified; scope: One specimen for one state and class of business; not a published rate or limit table for all applicants..) |
| How to Apply | Confirm in your quote. | ERGO NEXT says a buyer answers a roughly 10-minute questionnaire, customizes coverage limits and deductibles, then buys the policy online with coverage effective after payment. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: Product page quote flow description; the underlying terms still require carrier approval before binding..) |
| Claims Support | Confirm in your quote. | ERGO NEXT says policyholders can file a general liability claim through their online account or the ERGO NEXT app at any time. [10](https://www.nextinsurance.com/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: Product page claims description; no independent claims-handling outcome is established..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance): 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.
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability)
- [AIG vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-next-insurance/general-liability)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/general-liability)
- [Alliance Risk vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-next-insurance/general-liability)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/general-liability)
- [Amelia Risk vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-next-insurance/general-liability)

## Sources

### Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
6. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.

### ERGO NEXT Insurance

7. [Business Insurance for Small Businesses](https://www.nextinsurance.com/business-insurance/). ERGO NEXT Insurance; Primary coverage selector; intended customers; product descriptions; online quote, purchase, documents, certificate and claims sections. Accessed 2026-09-15.
8. [Commercial Auto Liability Insurance](https://www.nextinsurance.com/commercial-auto-insurance/). ERGO NEXT Insurance; Commercial Auto hero; Progressive partner disclosure and external quote link; appointed-agent availability limitation. Accessed 2026-09-16.
9. [My Account FAQs](https://www.nextinsurance.com/faq-category/my-account/). ERGO NEXT Insurance; Electronic documents; policy and payment changes; cancellation; certificates and additional insureds. Accessed 2026-09-15.
10. [General Liability Insurance](https://www.nextinsurance.com/general-liability-insurance/). ERGO NEXT Insurance; What is General Liability insurance?; What can General Liability insurance cover?; exclusions list; Get a quote three-step process; pricing note. Accessed 2026-09-23.
11. [General Liability Policy Specimen](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen). ERGO NEXT Insurance; Common Policy Declarations naming State National Insurance Company, Inc. as insurer and Next First Insurance Agency, Inc. as the contact for complaints; Limits Of Insurance section: Each Occurrence $1,000,000, General Aggregate $2,000,000, Products/Completed Operations Aggregate $2,000,000, Damage to Premises Rented to You $100,000, Medical Expense $15,000, Personal & Advertising Injury $1,000,000; form NXT-0337 BM GL 0619. Accessed 2026-09-23.

### General Liability Insurance Guide

12. [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.
13. [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.
14. [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.

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

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

## ERGO NEXT Insurance Reviews

Review Score: 8.9 / 10 from 5 rated sources, equally weighted.

NEXT’s favorable ratings come with a warning: NerdWallet reports more commercial liability complaints than expected. Check complaint handling and support before relying on its headline scores.

- NerdWallet: NerdWallet editorial rating 4.0 (5). NerdWallet editorial small-business insurance review; commercial general liability and commercial property complaint analysis, NAIC 2022–2024. Period: 2026 review. Checked 2026-09-25. [Ergo Next Insurance 2026 Review - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/next-business-insurance)
- Trustpilot: TrustScore 4.1 (5 stars); 1423 reviews. Merged brand-level consumer reviews; does not reliably identify exact carrier or product for each reviewer. Period: profile total; 188 reviews in prior 12 months. Checked 2026-09-25. [ERGO NEXT Reviews | Trustpilot](https://www.trustpilot.com/review/nextinsurance.com)
- BBB: BBB Rating A+ (BBB letter grade). BBB local business profile for ERGO NEXT, listing multiple commercial products; BBB grade distinct from customer reviews. Checked 2026-09-25. [ERGO NEXT Insurance | BBB Business Profile](https://www.bbb.org/us/ca/palo-alto/profile/insurance-companies/ergo-next-insurance-1216-881554)
- BBB: BBB customer review average 4.36 (5); 909 reviews. BBB customer review average for listed ERGO NEXT business profile; distinguish this customer-star aggregate from BBB letter grade and from policy-specific claims outcomes. Checked 2026-09-25. [ERGO NEXT Insurance | BBB Customer Reviews](https://www.bbb.org/us/ca/palo-alto/profile/insurance-companies/ergo-next-insurance-1216-881554/customer-reviews)
- Google Play: Google Play app rating 4.9 (5 stars). Google Play mobile-app reviews for insurance app, not company-wide policy/claims experience; no office scope. Period: Observed 2026-09-25; ratings section showed 3.68K reviews while page header showed 3.75K, so exact review count is withheld. Checked 2026-09-25. [ERGO NEXT Insurance - Apps on Google Play](https://play.google.com/store/apps/details?id=com.nextinsurance)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/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)