--- title: "Coverdash vs Zurich U.S.: Commercial Auto Insurance" description: "Coverdash lists hired and non-owned auto as an option with online advisor support; Zurich describes rental-fleet liability and physical-damage coverage through phone applications." canonical: "https://spot.insure/compare/coverdash-vs-zurich/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "coverdash-vs-zurich" provider-a: "coverdash" provider-b: "zurich" coverage-line: "commercial-auto" --- 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/coverdash-vs-zurich/commercial-auto) ## Agent Guide **What this page is:** Focused comparison of Coverdash and Zurich U.S. for Commercial Auto 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 Commercial Auto Insurance questions about Coverdash versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Coverdash vs Zurich U.S. for Commercial Auto Insurance: how do they differ? - Which is better for Commercial Auto Insurance, Coverdash or Zurich U.S.? - What does Coverdash or Zurich U.S. publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Auto Insurance from Coverdash or Zurich U.S.? **Key facts:** - Line: Commercial Auto Insurance. Providers: Coverdash and Zurich U.S.. - 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:** - [Coverdash vs Zurich U.S.](https://spot.insure/compare/coverdash-vs-zurich) — parent: all coverage lines for this pair - [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line - [Coverdash profile](https://spot.insure/insurance-providers/coverdash) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [Coverdash vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Crime Insurance](https://spot.insure/compare/coverdash-vs-zurich/crime) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/coverdash-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. D&O Insurance](https://spot.insure/compare/coverdash-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/coverdash-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/coverdash-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/coverdash-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/coverdash-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Surety Bonds](https://spot.insure/compare/coverdash-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Coverdash vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/coverdash-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/aig-vs-coverdash/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/aig-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/aon-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-coverdash/commercial-auto) — sibling comparison (other line, or other pair for this line) # Coverdash vs Zurich U.S.: How Do They Compare for Commercial Auto Insurance? Coverdash lists hired and non-owned auto as an option with online advisor support; Zurich describes rental-fleet liability and physical-damage coverage through phone applications. ## Research Scope and Use Use this comparison to evaluate Coverdash and Zurich U.S. for Commercial Auto 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 Coverdash describes commercial auto for varied business vehicle use and an optional hired-and-non-owned liability extension. Zurich’s cited program is for rental fleets and lists vehicle physical-damage options. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") [7](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") ## What Is Coverdash Insurance? Coverdash suits small businesses that want online shopping or an embedded partner purchase with one account for policies and billing; firms needing specialized complex-risk advice should compare broker-led programs. [1](https://www.coverdash.com/faq "Frequently Asked Questions") [2](https://www.coverdash.com/about "About Us") [3](https://www.coverdash.com/terms "Terms And Conditions") [Coverdash profile](https://spot.insure/insurance-providers/coverdash) ## Zurich U.S. Business Insurance: Products, Access, and Claims Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## What Is Commercial Auto Insurance? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## Key Differences in Commercial Auto Insurance ### Employee vehicles and rental fleet damage Coverdash says its commercial auto can add hired-and-non-owned auto liability when employees use rented or personal vehicles for work, even if the business owns none. Zurich’s rental-fleet program lists specified-peril, comprehensive and collision physical-damage options, with limits on its catastrophic option and no physical-damage cover for conversion or false-pretense losses. If employee errands or rented cars are the exposure, ask Coverdash to include hired/non-owned protection; rental operators should examine Zurich’s vehicle damage terms. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") [7](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") ### Digital service and underwriting intake Coverdash describes digital quoting, purchase and policy management with a dedicated advisor through renewal. Zurich says applicants call and provide fleet size, vehicle age, value, type, rental use and operating procedures. The first route is described as digital and advisor-supported; the second as an information-intensive rental-fleet application. Compare what support continues after binding and whether the requested vehicle use matches the product scope. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") [7](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") ## What to Confirm in Commercial Auto Insurance Quotes - Ask Coverdash to list liability, vehicle damage and hired/non-owned coverage separately for each vehicle use. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") - Ask Zurich how conversion losses and the two-vehicle event condition affect your physical-damage option. [7](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") ## Offering Details | Criteria | Coverdash Commercial Auto Insurance | Zurich Commercial Auto for rental fleets | | --- | --- | --- | | Role in This Line | Coverdash arranges commercial auto insurance as a broker rather than underwriting it, saying it compares quotes from multiple insurers and assigns each policyholder a dedicated advisor. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: Commercial auto product page; describes the brokerage model for this line, not a specific insurer's product..) | Confirm in your quote. | | Issuing Insurer | The commercial auto product page does not name the insurer that would issue a given policy; it describes only comparing quotes from Coverdash's panel of insurers. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") (Evidence: Not publicly disclosed; scope: Page checked 2026-09-23; the issuing carrier for a specific quote is not disclosed here..) | Confirm in your quote. | | Who It’s For | Coverdash targets commercial auto coverage at businesses that own, lease or use vehicles, or whose employees drive for work, listing examples such as wholesalers, retailers, construction companies and real estate agencies. It says personal auto policies exclude business use. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: Who it's for and industry-list section; illustrative industries, not an exhaustive eligibility list..) | Confirm in your quote. | | Coverage Features | Coverdash lists four core commercial auto protections: third-party injury liability, third-party property damage liability, physical damage to the insured vehicle from a collision, theft or other covered event, and medical payments for the insured and passengers. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: Types of Coverage section; subject to exclusions and terms in the policy as issued..)

Coverdash's FAQ describes hired-and-non-owned auto as an optional coverage that adds liability protection when employees drive rented or personal vehicles for business, useful even if the business owns no vehicles. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: FAQ answer on hired and non-owned auto; described as an add-on, not part of the core policy..) | Zurich’s rental-fleet commercial auto includes state financial-responsibility liability, uninsured/underinsured motorist and no-fault PIP options. [7](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial auto for rental fleets; United States. The opened Zurich page is specific to U.S. commercial rental fleets; it does not establish all commercial-auto classes. Actual coverage is governed by policy terms and underwriting..)

For rental fleets, Zurich identifies specified-peril, comprehensive and collision physical-damage options. Its catastrophic option requires an occurrence involving two or more insured autos and excludes collision, overturn and conversion. The page separately says physical-damage coverage is not provided for conversion, false pretense or trick and devise. [7](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial auto for rental fleets; United States. The opened Zurich page describes coverage for commercial rental fleets; it does not establish terms for other commercial-auto classes. Actual coverage is governed by policy terms and underwriting..) | | Limits and Retentions | The commercial auto page and its FAQ do not publish limit amounts, deductibles or premium figures for this line. Coverdash says liability requirements vary by state and that it matches applicants to their state's rules. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") (Evidence: Not publicly disclosed; scope: Page checked 2026-09-23; limit and deductible figures were not found on this product page..) | Confirm in your quote. | | How to Apply | You request a commercial auto quote through Coverdash's online form. Coverdash says a policy can be quoted, bought and managed digitally, and that every policy comes with a dedicated advisor from the first quote through renewal. [4](https://www.coverdash.com/coverage/commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: Why work with Coverdash and the Get a quote call to action; quote speed and advisor availability are company-reported and not independently tested..) | Zurich takes applications by phone and requests fleet size, vehicle age/value/type, rental use, personal-use details, customer transport and operating procedures. [7](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial auto for rental fleets; United States. The opened Zurich page is specific to U.S. commercial rental fleets; it does not establish all commercial-auto classes. Actual coverage is governed by policy terms and underwriting..) | ## Full Comparison - [Coverdash vs Zurich U.S.](https://spot.insure/compare/coverdash-vs-zurich): all coverage lines, business roles, service and claims. - [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks. - [Coverdash vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-zurich/builders-risk) - [Coverdash vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-zurich/commercial-property) - [Coverdash vs Zurich U.S. Crime Insurance](https://spot.insure/compare/coverdash-vs-zurich/crime) - [Coverdash vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/coverdash-vs-zurich/cyber) - [Coverdash vs Zurich U.S. D&O Insurance](https://spot.insure/compare/coverdash-vs-zurich/directors-officers) - [Coverdash vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/coverdash-vs-zurich/employment-practices) - [Coverdash vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/coverdash-vs-zurich/fidelity-bonds) - [Coverdash vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/coverdash-vs-zurich/fiduciary) - [Coverdash vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/coverdash-vs-zurich/professional-errors-omissions) - [Coverdash vs Zurich U.S. Surety Bonds](https://spot.insure/compare/coverdash-vs-zurich/surety-bonds) - [Coverdash vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/coverdash-vs-zurich/technology-errors-omissions) - [AIG vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/aig-vs-coverdash/commercial-auto) - [AIG vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/aig-vs-zurich/commercial-auto) - [Alliance Risk vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/commercial-auto) - [Alliance Risk vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/commercial-auto) - [Aon vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/aon-vs-zurich/commercial-auto) - [The Baldwin Group vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-coverdash/commercial-auto) ## Sources ### Coverdash 1. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15. 2. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15. 3. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15. 4. [Commercial Auto Insurance](https://www.coverdash.com/coverage/commercial-auto). Coverdash; Types of Coverage: third-party injury, third-party property damage, physical damage, medical payments; Who it's for; Why work with Coverdash; FAQs: personal vs. business auto, vehicles covered, legal requirement, hired and non-owned auto. Accessed 2026-09-23. ### Zurich U.S. 5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 7. [Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich](https://www.zurichna.com/insurance/auto-rental). Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-29. ### Commercial Auto Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16. 9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16. 10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16. 11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. 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. ## Coverdash Reviews Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Coverdash offers convenient quote comparison, but public customer feedback is sparse. A BBB unanswered-complaint record makes responsiveness worth checking before purchase. - Trustpilot: TrustScore 3.8 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25; 0 reviews in prior 12 months. Checked 2026-09-25. [Coverdash Reviews | Read Customer Service Reviews](https://uk.trustpilot.com/review/coverdash.com) - BBB: BBB business grade B- (BBB letter grade). BBB business-profile and complaint search using legal business names and provider brand. Period: grade reason cites 1 unanswered complaint. Checked 2026-09-25. [Coverdash Insurance Services, LLC | BBB Business Profile](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/coverdash-insurance-services-llc-0121-87182599) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/coverdash/reviews). ## Zurich U.S. Reviews Review Score: not enough ratings. The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coverdash-vs-zurich/commercial-auto.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)