---
title: "Foxquilt vs Marsh McLennan Agency: Cyber Insurance"
description: "Marsh McLennan Agency describes cyber liability with cyber-risk management and an adviser route; Foxquilt names event examples and provides a quote path."
canonical: "https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/cyber"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-marsh-mclennan-agency"
provider-a: "foxquilt"
provider-b: "marsh-mclennan-agency"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/cyber)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and Marsh McLennan Agency 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 Foxquilt versus Marsh McLennan Agency. 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 Marsh McLennan Agency for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Foxquilt or Marsh McLennan Agency?
- What does Foxquilt or Marsh McLennan Agency publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Foxquilt or Marsh McLennan Agency?

**Key facts:**
- Line: Cyber Insurance. Providers: Foxquilt and Marsh McLennan Agency.
- 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 Marsh McLennan Agency](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Foxquilt vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Cyber Insurance](https://spot.insure/compare/aig-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Marsh McLennan Agency: How Do They Compare for Cyber Insurance?

Marsh McLennan Agency describes cyber liability with cyber-risk management and an adviser route; Foxquilt names event examples and provides a quote path.

## How to Use the Foxquilt vs Marsh McLennan Agency Cyber Insurance Comparison

Use this comparison to evaluate Foxquilt and Marsh McLennan Agency 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.

## Foxquilt vs Marsh McLennan Agency Cyber Insurance Summary

Marsh McLennan Agency describes cyber liability and cyber-risk management within its executive and professional risk offering and invites organizations to contact an adviser. Foxquilt markets cyber around breach and ransomware exposures and provides a quote route; neither description determines a buyer’s policy terms. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA")

## 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 Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [4](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [5](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## 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. [7](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [8](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 Foxquilt and Marsh McLennan Agency Cyber Insurance?

### Cyber Liability and Risk-Management Scope

MMA describes cyber liability alongside cyber-risk management within its executive and professional risk offering, while Foxquilt markets a cyber product around breach and ransomware exposures. Neither label establishes the policy grant, but only Foxquilt’s reviewed summary expressly identifies those event examples; MMA’s overview keeps coverage and eligibility placement-specific. Buyers should request forms that identify what is insured, exclusions, and who issues each policy. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

### Adviser Contact and Placement Questions

The route is advisor-led at MMA, which invites a conversation with an adviser; Foxquilt provides a quote path that does not guarantee an offer or bind. For a buyer, the useful comparison is whether an adviser will scope the placement and when underwriting terms arrive, versus what information the digital quote process collects. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

## What Should You Confirm in Foxquilt and Marsh McLennan Agency Cyber Insurance Quotes?
- Ask Marsh McLennan Agency for the proposed policy form, limits, and services attached to its placement; ask Foxquilt which carrier and covered-cost grants appear in its quote. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

## Foxquilt vs Marsh McLennan Agency Cyber Insurance Compared

| Criteria | Foxquilt Cyber Insurance | Marsh McLennan Agency cyber (official overview) |
| --- | --- | --- |
| Role in This Line | Foxquilt markets a Cyber Insurance product for businesses. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business 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..) | Marsh McLennan Agency describes arranging cyber for the audience stated on the cited product page. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; 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 | The page discusses businesses exposed to cyber events and sensitive information; it does not publish a full appetite or industry eligibility list. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business 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..) | Organizations managing cyber exposure; exact insurer, policy form, and eligibility are placement-specific. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; 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 | Its product summary describes cyber-event exposures such as data breaches and ransomware; it does not identify the insured costs or policy triggers for a particular quote. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business 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..) | The cited product page describes cyber liability and a cyber-risk management strategy as part of the executive and professional risk offering. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; 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 | 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/cyber-insurance.html "Cyber Business Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | 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. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (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 | 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/cyber-insurance.html "Cyber Business 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..) | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; 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 Foxquilt vs Marsh McLennan Agency Cyber Insurance

- [Foxquilt vs Marsh McLennan Agency](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency): 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.
- [Foxquilt vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/builders-risk)
- [Foxquilt vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/commercial-auto)
- [Foxquilt vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/commercial-property)
- [Foxquilt vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/crime)
- [Foxquilt vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/general-liability)
- [Foxquilt vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/professional-errors-omissions)
- [Foxquilt vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/workers-compensation)
- [AIG vs Foxquilt Cyber Insurance](https://spot.insure/compare/aig-vs-foxquilt/cyber)
- [AIG vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/cyber)
- [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber)
- [Alliance Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cyber)
- [Amelia Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/cyber)
- [Amelia Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cyber)

## Sources for Foxquilt vs Marsh McLennan Agency Cyber 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. [Cyber Business Insurance](https://www.foxquilt.com/businesscoverage/cyber-insurance.html). Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127.. Accessed 2026-09-29.

### Sources About Marsh McLennan Agency

4. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
5. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
6. [Cyber | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Cyber solution overview and cyber-risk services.. Accessed 2026-09-30.

### Sources for the Cyber Insurance Guide

7. [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.
8. [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.

## 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).

## Marsh McLennan Agency Review Scores for 2026

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-marsh-mclennan-agency/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)