--- title: "Foxquilt vs Harper: Commercial Auto Insurance" description: "Harper describes commercial-auto liability for transportation operations and treats collision and comprehensive vehicle damage as a separate physical-damage coverage; Foxquilt describes work-vehicle protection and accident examples." canonical: "https://spot.insure/compare/foxquilt-vs-harper/commercial-auto" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "foxquilt-vs-harper" provider-a: "foxquilt" provider-b: "harper" 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/foxquilt-vs-harper/commercial-auto) ## Agent Guide **What this page is:** Focused comparison of Foxquilt and Harper 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 Foxquilt versus Harper. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Foxquilt vs Harper for Commercial Auto Insurance: how do they differ? - Which is better for Commercial Auto Insurance, Foxquilt or Harper? - What does Foxquilt or Harper publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Auto Insurance from Foxquilt or Harper? **Key facts:** - Line: Commercial Auto Insurance. Providers: Foxquilt and Harper. - 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:** - [Foxquilt vs Harper](https://spot.insure/compare/foxquilt-vs-harper) — parent: all coverage lines for this pair - [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line - [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence) - [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence) - [Foxquilt vs Harper Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-harper/builders-risk) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-harper/commercial-property) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Cyber Insurance](https://spot.insure/compare/foxquilt-vs-harper/cyber) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper General Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/general-liability) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-harper/inland-marine) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-harper/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Commercial Auto Insurance](https://spot.insure/compare/aig-vs-harper/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Harper Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-harper/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/aon-vs-foxquilt/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs Harper Commercial Auto Insurance](https://spot.insure/compare/aon-vs-harper/commercial-auto) — sibling comparison (other line, or other pair for this line) # Foxquilt vs Harper: How Do They Compare for Commercial Auto Insurance? Harper describes commercial-auto liability for transportation operations and treats collision and comprehensive vehicle damage as a separate physical-damage coverage; Foxquilt describes work-vehicle protection and accident examples. ## How to Use the Foxquilt vs Harper Commercial Auto Insurance Comparison Use this comparison to evaluate Foxquilt and Harper 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. ## Foxquilt vs Harper Commercial Auto Insurance Summary Harper describes commercial-auto liability for transportation operations and treats collision and comprehensive vehicle damage as a separate physical-damage coverage; Foxquilt describes work-vehicle protection and accident examples. [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") ## What Is Foxquilt? Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) ## What Is Harper Insurance? Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. [4](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [5](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [Harper profile](https://spot.insure/insurance-providers/harper) ## 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") ## What Are the Key Differences Between Foxquilt and Harper Commercial Auto Insurance? ### Transportation liability and vehicle damage Harper describes commercial auto liability for freight carriers, trucking and passenger transport, and treats collision and comprehensive vehicle damage as a separate coverage. Foxquilt describes business vehicle coverage without specifying whether physical damage is included. A carrier financing vehicles should ask Harper to quote both liability and physical damage distinctly and ask Foxquilt to identify each component in writing. [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") ### Certificates and quote intake Harper says it helps provide proof of insurance for FMCSA operating-authority requirements and accepts quote requests through an online intake or transportation form. Foxquilt also has a quote route, but its reviewed record does not specify transport filings. If authority filings are time-sensitive, confirm documentation timing and effective date with each provider before dispatch. [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") ## What Should You Confirm in Foxquilt and Harper Commercial Auto Insurance Quotes? - Does Harper's proposal separate liability from collision and comprehensive, and when can FMCSA proof be issued? [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") - Can Foxquilt support the required operating-authority filings and meet the needed effective date? [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") ## Foxquilt vs Harper Commercial Auto Insurance Compared | Criteria | Foxquilt Commercial Auto | Harper Commercial Auto Insurance | | --- | --- | --- | | Role in This Line | Foxquilt markets Commercial Auto as a business coverage line. [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Transportation industry page 'Why Harper' section and homepage coverage-list introduction..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or insurers that would issue a commercial auto policy Harper places; the transportation page describes 'every market' generally without listing carriers. [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Not publicly disclosed; scope: Checked the transportation industry page and homepage insurer-logo panel on 2026-09-23; no carrier names found for commercial auto specifically..) | | Who It’s For | The public page addresses businesses using vehicles for work; it does not define the complete eligible vehicle or driver classes. [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") (Evidence: Company-reported; scope: Transportation industry page 'Who this is for' section; general small-business intake elsewhere on the site does not repeat this list..) | | Coverage Features | The page describes coverage for vehicles used for work and gives business-vehicle accident examples. [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts..) | | Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Harper's reviewed pages do not publish commercial auto liability or physical-damage limits and deductibles; the homepage says only that coverage comes with 'limits your contracts accept,' meaning the buyer's own contracts, not a published Harper figure, set the target. [7](https://www.harperinsure.com/ "Harper Homepage") [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") (Evidence: Not publicly disclosed; scope: Checked the homepage and transportation industry page on 2026-09-23..) | | Risk Services | Confirm in your quote. | Harper says it delivers proof-of-insurance documents quickly to support FMCSA operating-authority requirements, and describes explaining commercial auto, cargo coverage and FMCSA requirements in plain terms. [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") (Evidence: Company-reported; scope: Transportation industry page 'Why Harper' section..) | | How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [3](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | You can request a commercial auto quote through Harper's online intake by selecting the 'Work vehicles (commercial auto)' checkbox, or by using the transportation-specific intake form, along with the business's state and estimated annual revenue. [7](https://www.harperinsure.com/ "Harper Homepage") [6](https://www.harperinsure.com/industries/transportation "Transportation Insurance") (Evidence: Company-reported; scope: Homepage and transportation industry page quote-intake forms..) | ## Related Pages for Foxquilt vs Harper Commercial Auto Insurance - [Foxquilt vs Harper](https://spot.insure/compare/foxquilt-vs-harper): 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. - [Foxquilt vs Harper Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-harper/builders-risk) - [Foxquilt vs Harper Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-harper/commercial-property) - [Foxquilt vs Harper Cyber Insurance](https://spot.insure/compare/foxquilt-vs-harper/cyber) - [Foxquilt vs Harper General Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/general-liability) - [Foxquilt vs Harper Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-harper/inland-marine) - [Foxquilt vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-harper/professional-errors-omissions) - [Foxquilt vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/umbrella-excess) - [Foxquilt vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-harper/workers-compensation) - [AIG vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/commercial-auto) - [AIG vs Harper Commercial Auto Insurance](https://spot.insure/compare/aig-vs-harper/commercial-auto) - [Alliance Risk vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/commercial-auto) - [Alliance Risk vs Harper Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-harper/commercial-auto) - [Aon vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/aon-vs-foxquilt/commercial-auto) - [Aon vs Harper Commercial Auto Insurance](https://spot.insure/compare/aon-vs-harper/commercial-auto) ## Sources for Foxquilt vs Harper Commercial Auto Insurance ### Sources About Foxquilt 1. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319.. Accessed 2026-09-29. 2. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29. 3. [Commercial Auto Insurance](https://www.foxquilt.com/businesscoverage/commercial-auto.html). Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132.. Accessed 2026-09-29. ### Sources About Harper 4. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15. 5. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15. 6. [Transportation Insurance](https://www.harperinsure.com/industries/transportation). Harper; Know your coverage: What is Transportation insurance?; Commercial Auto Liability, Cargo Protection, Physical Damage, Certificates callouts; Who this is for; Why Harper (Transportation Expertise, Fast Proof for Authority, Clear Simple Guidance). Accessed 2026-09-23. 7. [Harper Homepage](https://www.harperinsure.com/). Harper; What we cover: 'Commercial auto insurance — One work truck or a full fleet, with coverage limits your contracts accept.'; quote-intake checkbox 'Work vehicles (commercial auto)'. Accessed 2026-09-23. ### Sources for the 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 2026-10-01. 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. ## Foxquilt Review Scores for 2026 Review Score: 8.9 / 10 from 3 rated sources, equally weighted. Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10. - Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com) - BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints) - Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651) - HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/foxquilt/reviews). ## Harper Review Scores for 2026 Review Score: not enough ratings. We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/harper/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/foxquilt-vs-harper/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)