---
title: "Coverdash vs Zurich U.S.: Fiduciary Liability Insurance"
description: "Coverdash distinguishes optional fiduciary liability for lawsuits from a legally required ERISA fidelity bond; Zurich offers fiduciary policies standalone or packaged."
canonical: "https://spot.insure/compare/coverdash-vs-zurich/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "coverdash-vs-zurich"
provider-a: "coverdash"
provider-b: "zurich"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/coverdash-vs-zurich/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Coverdash and Zurich U.S. for Fiduciary 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 Fiduciary Liability 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 Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Coverdash or Zurich U.S.?
- What does Coverdash or Zurich U.S. publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Coverdash or Zurich U.S.?

**Key facts:**
- Line: Fiduciary Liability 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
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 Auto Insurance](https://spot.insure/compare/coverdash-vs-zurich/commercial-auto) — 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. 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 Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coverdash/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Coverdash Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Coverdash Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-coverdash/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)

# Coverdash vs Zurich U.S.: How Do They Compare for Fiduciary Liability Insurance?

Coverdash distinguishes optional fiduciary liability for lawsuits from a legally required ERISA fidelity bond; Zurich offers fiduciary policies standalone or packaged.

## Research Scope and Use

Use this comparison to evaluate Coverdash and Zurich U.S. for Fiduciary 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

Coverdash separates fiduciary liability from the required ERISA theft bond; Zurich describes standalone and packaged fiduciary policy options. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## 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 Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Liability claims versus theft losses
Coverdash explains that fiduciary liability protects individuals from lawsuits over benefit-plan duties, while an ERISA fidelity bond protects the plan against theft and is legally required. Zurich offers fiduciary liability as standalone or packaged coverage for public and private companies, addressing plan-administration claims. A sponsor should not substitute one product for the other: the liability policy addresses alleged fiduciary breaches, while the bond addresses direct dishonesty loss. Ask Coverdash to quote both if the plan needs both protections and ask Zurich what form addresses the liability exposure. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

### Covered duties and policy format
Coverdash lists claims involving enrollment or administration errors, poor investment selection or monitoring, and breach of duty to plan participants. Zurich describes Select coverage for claims and investigations involving administration of savings, pension, and health or welfare plans, and says buyers can choose standalone or packaged forms. The descriptions overlap on plan administration, while Zurich makes the investigation scope explicit. Buyers should compare the definitions and confirm whether the coverage is packaged with D&O or EPLI. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Coverdash which liability claims are covered and obtain a separate ERISA fidelity bond quote if needed. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance")
- Ask Zurich whether the form is standalone and what investigation and plan-administration triggers apply. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## Offering Details

| Criteria | Coverdash Fiduciary Liability Insurance | Zurich Fiduciary Liability Insurance |
| --- | --- | --- |
| Role in This Line | Coverdash arranges fiduciary liability quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its fiduciary page and it places coverage on your behalf. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Coverdash's fiduciary liability product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote..) | Confirm in your quote. |
| Issuing Insurer | The fiduciary liability page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular fiduciary quote. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the fiduciary liability product page on 2026-09-23; no insurer is disclosed there..) | Confirm in your quote. |
| Who It’s For | Coverdash markets fiduciary liability to anyone who manages or advises an employee benefit plan, such as a 401(k), health plan or pension, saying that role carries personal fiduciary liability under ERISA. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Who it's for section and FAQ answer to 'Who is considered a fiduciary?'..) | Confirm in your quote. |
| Coverage Features | Coverdash describes the fiduciary policy as covering claims of breach of duty to plan participants, plan administration errors such as enrollment or advising mistakes, and claims over poor selection or monitoring of plan investment options, plus legal defense costs. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Types of Coverage cards on the product page; exclusions and defense-cost structure are not described and would appear on the issued policy..)<br><br>Coverdash distinguishes fiduciary liability from an ERISA fidelity bond: the bond protects the plan itself from theft and is legally required, while fiduciary liability protects the individual fiduciaries from lawsuits and is optional, though recommended. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: FAQ answer to 'Isn't this the same as an ERISA bond?'..)<br><br>Coverdash says fiduciary liability is often packaged with D&O and EPLI in a management liability policy, but is also available standalone. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: FAQ answer to 'Is it included in management liability?'..) | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| Limits and Retentions | The fiduciary liability page does not publish limit, retention or deductible amounts for the policy. [4](https://www.coverdash.com/coverage/fiduciary "Fiduciary Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the fiduciary liability product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |

## Full Comparison

- [Coverdash vs Zurich U.S.](https://spot.insure/compare/coverdash-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Coverdash vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-zurich/builders-risk)
- [Coverdash vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/coverdash-vs-zurich/commercial-auto)
- [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. 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 Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coverdash/fiduciary)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary)
- [Alliance Risk vs Coverdash Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/fiduciary)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary)
- [Aon vs Coverdash Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-coverdash/fiduciary)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary)

## 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. [Fiduciary Liability Insurance](https://www.coverdash.com/coverage/fiduciary). Coverdash; Hero description; Types of Coverage: Breach of duty, Plan administration errors, Imprudent investments, Legal defense; Who it's for; FAQ: What is fiduciary liability insurance?, Isn't this the same as an ERISA bond?, Who is considered a fiduciary?, Is it included in management liability?. 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. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance). Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
8. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability). Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.

### Fiduciary Liability Insurance Guide

9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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/fiduciary.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)