---
title: "Berkshire Hathaway Specialty Insurance vs Travelers: General Liability Insurance"
description: "Compare BHSI’s primary GL features and minimum premium with Travelers’ standalone or BOP coverage and casualty support teams."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-travelers"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "travelers"
coverage-line: "general-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Travelers 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 Travelers. 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 Travelers for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, Berkshire Hathaway Specialty Insurance or Travelers?
- What does Berkshire Hathaway Specialty Insurance or Travelers 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 Travelers?

**Key facts:**
- Line: General Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and Travelers.
- 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 Travelers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers) — 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)
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Travelers Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Travelers Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Travelers Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Travelers D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Travelers Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/inland-marine) — sibling comparison (other line, or other pair for this line)
- [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 Travelers General Liability Insurance](https://spot.insure/compare/aig-vs-travelers/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 Travelers General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/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 Travelers General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/general-liability) — sibling comparison (other line, or other pair for this line)

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

Compare BHSI’s primary GL features and minimum premium with Travelers’ standalone or BOP coverage and casualty support teams.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Travelers 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 markets contractor and gradual-pollution features with a $50,000 policy minimum; Travelers offers standalone or BOP GL with Risk Control consultants and a dedicated claims team. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [10](https://www.travelers.com/business-insurance/general-liability "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 Travelers Insurance?

Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. [7](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [9](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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

### Policy structure and casualty features

Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form and gradual-pollution features. Travelers underwrites GL as a standalone policy or as part of a Business Owner’s Policy for small businesses. A buyer can compare BHSI’s stated extensions with the Travelers form and decide whether to place the line alone or within a package; the policy documents determine what is covered. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance")

### Threshold and service resources

BHSI sets a $50,000 minimum premium per policy. Travelers says GL customers can access more than 600 Risk Control consultants and a dedicated Claim team. That gives buyers a distinct operational consideration alongside price: BHSI publishes a substantial minimum, while Travelers names service resources for the line. Ask how any consultant or claims support applies to the particular policy and account. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance")

## What to Confirm in General Liability Insurance Quotes

- Ask BHSI for the proposed premium, limits and contractor or pollution endorsements. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty")
- Ask Travelers which insurer affiliate issues the policy and which services are available. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance")

## Offering Details

| Criteria | Primary general liability | Travelers General Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Travelers underwrites general liability insurance as a standalone policy or as part of its Business Owner's Policy for small businesses. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Product page "How do I purchase general liability insurance?" FAQ..) |
| 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..) | Travelers markets general liability to any business that could face a bodily-injury or property-damage claim, with industry-specific variants such as EnergyPro CGL for oil and gas and Synergy for life sciences (medical device, pharmaceutical and digital health) companies. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Product page "Who is general liability insurance right for?", oil and gas and life sciences sections..) |
| 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..) | Travelers says the policy typically provides premises liability, products liability, and personal and advertising injury liability (covering offenses such as slander, libel, wrongful eviction and advertising copyright infringement), plus liability of others assumed in specifically defined contracts. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Product page "What is general liability insurance?" and "What does general liability insurance cover?" sections; exact terms and exclusions are set by the issued policy..)<br><br>Travelers says general liability does not cover claims related to the quality of your work or professional negligence, or theft of your own tools, equipment or inventory; it points to professional liability/E&O and commercial property or BOP coverage for those risks instead. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Product page "Does general liability insurance cover all my legal risks?" and "Does general liability cover theft?" FAQs..) |
| 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..) | The reviewed page does not publish standard general liability limits or premiums; it says cost varies by industry, risk exposure, location, claims history and other factors, and points buyers to a commercial umbrella policy for higher limits. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Product page "How much does general liability business insurance cost?" FAQ..) |
| Risk Services | Confirm in your quote. | Travelers says general liability customers can draw on more than 600 Risk Control consultants and a dedicated Claim team. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Product page Risk Control and Claim sections..) |
| How to Apply | Confirm in your quote. | General liability is bought through a Travelers independent agent, who can customize coverage and help set up the policy. [10](https://www.travelers.com/business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Product page "How do I purchase general liability insurance?" FAQ..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Travelers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers): 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.
- [Berkshire Hathaway Specialty Insurance vs Travelers Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs Travelers Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/crime)
- [Berkshire Hathaway Specialty Insurance vs Travelers Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/cyber)
- [Berkshire Hathaway Specialty Insurance vs Travelers D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Travelers Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/inland-marine)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability)
- [AIG vs Travelers General Liability Insurance](https://spot.insure/compare/aig-vs-travelers/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 Travelers General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/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 Travelers General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/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.

### Travelers

7. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
8. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
9. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
10. [General Liability Insurance](https://www.travelers.com/business-insurance/general-liability). Travelers; What is general liability insurance?; What does general liability insurance cover?; Travelers business owners policy (BOP) for small businesses; How does commercial general liability insurance differ from professional liability coverage?; How do I purchase general liability insurance?. 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.

## 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).

## Travelers Reviews

Review Score: 4.8 / 10 from 3 rated sources, equally weighted.

Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance)
- Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers/general-liability.md)
- [Developer resources](https://spot.insure/developers)
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- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
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