--- title: "biBerk vs Nationwide: Cyber Insurance" description: "Nationwide describes expenses associated with attacks and breaches without party classification; biBerk separates response expenses from defense and liability costs." canonical: "https://spot.insure/compare/biberk-vs-nationwide/cyber" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "biberk-vs-nationwide" provider-a: "biberk" provider-b: "nationwide" coverage-line: "cyber" --- 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/biberk-vs-nationwide/cyber) ## Agent Guide **What this page is:** Focused comparison of biBerk and Nationwide for Cyber 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 Cyber Insurance questions about biBerk versus Nationwide. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - biBerk vs Nationwide for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, biBerk or Nationwide? - What does biBerk or Nationwide publish about Cyber Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cyber Insurance from biBerk or Nationwide? **Key facts:** - Line: Cyber Insurance. Providers: biBerk and Nationwide. - 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 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [biBerk vs Nationwide](https://spot.insure/compare/biberk-vs-nationwide) — parent: all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line - [biBerk profile](https://spot.insure/insurance-providers/biberk) — provider profile (evidence) - [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence) - [biBerk vs Nationwide Business Owner’s Policy](https://spot.insure/compare/biberk-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/biberk-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line) - [biBerk vs Nationwide General Liability Insurance](https://spot.insure/compare/biberk-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line) - [biBerk vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/biberk-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [biBerk vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/biberk-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [biBerk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs biBerk Cyber Insurance](https://spot.insure/compare/aig-vs-biberk/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Nationwide Cyber Insurance](https://spot.insure/compare/aig-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs biBerk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Nationwide Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs biBerk Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-biberk/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Nationwide Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line) # biBerk vs Nationwide: How Do They Compare for Cyber Insurance? Nationwide describes expenses associated with attacks and breaches without party classification; biBerk separates response expenses from defense and liability costs. ## How to Use the biBerk vs Nationwide Cyber Insurance Comparison Use this comparison to evaluate biBerk and Nationwide for Cyber 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. ## biBerk vs Nationwide Cyber Insurance Summary Nationwide describes expenses associated with cyberattacks and data breaches; biBerk describes cyber as an add-on to GL, Professional Liability or BOP. [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") ## What Is biBerk Insurance? biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. [1](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [biBerk profile](https://spot.insure/insurance-providers/biberk) ## What Is Nationwide? Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. [4](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [5](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [6](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") [Nationwide profile](https://spot.insure/insurance-providers/nationwide) ## What Is Cyber Insurance? Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy") ## What Are the Key Differences Between biBerk and Nationwide Cyber Insurance? ### Nationwide’s Broad Breach-Expense Description Nationwide’s cited page describes expenses associated with a cyberattack or data breach but does not separate first-party costs from third-party liability. biBerk does separate response expense from defense/liability in its current claims, so a like-for-like coverage comparison cannot yet be made. biBerk says its cyber/data-breach protection is an add-on to GL, professional liability or a BOP, rather than a standalone product on that page. The biBerk description also makes the base policy material: affected-person identity-restoration and monitoring services are BOP-only. [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") ### Evidence Hold: Second Matched Coverage Dimension The current Nationwide source describes the point above but does not establish a second matched cyber exposure that can be compared with biBerk’s published response-expense or defense/liability claims. Do not treat a broad event list, service, example limit or missing detail as equivalent coverage. Nationwide’s quote must identify the policy form, trigger and covered costs; biBerk’s quote must identify the eligible GL or BOP attachment and its terms. [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") ## What Should You Confirm in biBerk and Nationwide Cyber Insurance Quotes? - Ask Nationwide to identify the first-party trigger, third-party grant, limits and issuing insurer; compare those exact terms with the biBerk base-policy schedule. [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") - Which carrier, policy form and base-policy attachment apply to Nationwide and biBerk for this risk? [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") ## biBerk vs Nationwide Cyber Insurance Compared | Criteria | biBerk Cyber Insurance Add-on | Nationwide cyber (official overview) | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Nationwide describes offering cyber for the audience stated on the cited product page. [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") (Evidence: Company-reported; scope: cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Who It’s For | Confirm in your quote. | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") (Evidence: Company-reported; scope: cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Coverage Features | biBerk sells cyber/data-breach protection as an add-on to GL, Professional Liability or BOP, rather than presenting it as a stand-alone product on this page. [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business cyber endorsement. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)

biBerk says first-party cyber response expenses may be covered with the GL or BOP cyber add-on; affected-person services such as identity restoration and monitoring are available only with the BOP add-on. [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: first-party data-breach expenses. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; service and expense availability depends on selected base policy, limits, jurisdiction and issued terms..)

biBerk describes third-party cyber defense and liability costs for covered data events. [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: third-party cyber liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") (Evidence: Company-reported; scope: cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Limits and Retentions | biBerk publishes an example base cyber package with $50,000 response expense and $50,000 defense liability limits. [3](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: base add-on example limits. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | | How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") (Evidence: Company-reported; scope: cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | ## Related Pages for biBerk vs Nationwide Cyber Insurance - [biBerk vs Nationwide](https://spot.insure/compare/biberk-vs-nationwide): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [biBerk vs Nationwide Business Owner’s Policy](https://spot.insure/compare/biberk-vs-nationwide/business-owners-policy) - [biBerk vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/biberk-vs-nationwide/commercial-auto) - [biBerk vs Nationwide General Liability Insurance](https://spot.insure/compare/biberk-vs-nationwide/general-liability) - [biBerk vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/biberk-vs-nationwide/professional-errors-omissions) - [biBerk vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/biberk-vs-nationwide/umbrella-excess) - [biBerk vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-nationwide/workers-compensation) - [AIG vs biBerk Cyber Insurance](https://spot.insure/compare/aig-vs-biberk/cyber) - [AIG vs Nationwide Cyber Insurance](https://spot.insure/compare/aig-vs-nationwide/cyber) - [Alliance Risk vs biBerk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/cyber) - [Alliance Risk vs Nationwide Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/cyber) - [Amelia Risk vs biBerk Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-biberk/cyber) - [Amelia Risk vs Nationwide Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-nationwide/cyber) ## Sources for biBerk vs Nationwide Cyber Insurance ### Sources About biBerk 1. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28. 2. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28. 3. [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance). biBerk; Cyber add-on coverage, costs and claims. Accessed 2026-09-28. ### Sources About Nationwide 4. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29. 5. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29. 6. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29. 7. [Cyber Liability & Data Breach Insurance](https://www.nationwide.com/business/insurance/cyber-liability/). Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources.. Accessed 2026-09-30. ### Sources for the Cyber Insurance Guide 8. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16. 9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16. Updated 2026-10-01. 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. ## biBerk Review Scores for 2026 Review Score: 9.0 / 10 from 3 rated sources, equally weighted. Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds. - NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance) - Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com) - BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews). ## Nationwide Review Scores for 2026 Review Score: 7.8 / 10 from 4 rated sources, equally weighted. Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews. - NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance) - J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm) - Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com) - ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html) - ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html) - BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints) - BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/biberk-vs-nationwide/cyber.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)