---
title: "Harper vs Liberty Mutual: Medical Malpractice Insurance"
description: "Compare Harper’s broker guidance on claims-made and entity malpractice policies with Liberty Mutual’s healthcare programs."
canonical: "https://spot.insure/compare/harper-vs-liberty-mutual/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "harper-vs-liberty-mutual"
provider-a: "harper"
provider-b: "liberty-mutual"
coverage-line: "medical-malpractice"
---

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[Human-readable page](https://spot.insure/compare/harper-vs-liberty-mutual/medical-malpractice)

## Agent Guide

**What this page is:** Focused comparison of Harper and Liberty Mutual for Medical Malpractice 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 Medical Malpractice Insurance questions about Harper versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Harper vs Liberty Mutual for Medical Malpractice Insurance: how do they differ?
- Which is better for Medical Malpractice Insurance, Harper or Liberty Mutual?
- What does Harper or Liberty Mutual publish about Medical Malpractice Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Medical Malpractice Insurance from Harper or Liberty Mutual?

**Key facts:**
- Line: Medical Malpractice Insurance. Providers: Harper and Liberty Mutual.
- 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:**
- [Harper vs Liberty Mutual](https://spot.insure/compare/harper-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Medical Malpractice Insurance guide](https://spot.insure/coverage/medical-malpractice) — coverage explainer for this line
- [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Harper vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Surety Bonds](https://spot.insure/compare/harper-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Harper vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs Harper Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Harper Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line)

# Harper vs Liberty Mutual: How Do They Compare for Medical Malpractice Insurance?

Compare Harper’s broker guidance on claims-made and entity malpractice policies with Liberty Mutual’s healthcare programs.

## How to Use the Harper vs Liberty Mutual Medical Malpractice Insurance Comparison

Use this comparison to evaluate Harper and Liberty Mutual for Medical Malpractice 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.

## Harper vs Liberty Mutual Medical Malpractice Insurance Summary

Harper says most placements are claims-made and includes tail and entity coverage considerations; Liberty Mutual offers distinct healthcare liability programs. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability")

## 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. [1](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [2](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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [4](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. [7](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [8](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide") [9](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en "Physicians Medical Professional Liability — Specimen Policy") [10](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf "Physician Application")

## What Are the Key Differences Between Harper and Liberty Mutual Medical Malpractice Insurance?

### Claims-made, tail and entity coverage

Harper says most medical-malpractice policies it places are claims-made, making the retroactive date and tail coverage important when a clinician changes jobs, retires or changes carriers. It also places entity coverage for the practice or facility, not only individual clinicians. Liberty Mutual describes professional-liability solutions for healthcare organizations and physician groups but does not state comparable claims-made or tail terms in the reviewed claim. The form and declarations must establish which trigger applies. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability")

### Coverage and placement

Harper describes protection for allegations involving diagnosis, treatment, medication or supervision, and says its placements can include licensing-board complaint defense as well as lawsuits. Liberty Mutual names separate programs for hospitals, outpatient providers and physician groups, with differences in insured professions and terms. Harper acts as broker and says a specialist discusses occurrence-versus-claims-made choices; Liberty Mutual describes a dedicated healthcare practice. Buyers should compare professional-service definitions and board-defense wording in the actual proposals. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability")

## What Should You Confirm in Harper and Liberty Mutual Medical Malpractice Insurance Quotes?

- Ask Harper to identify the retroactive date, tail options, entity insureds and whether licensing-board defense is within the limit.
- Ask Liberty Mutual which specific program fits and whether its form includes tail, entity and licensing-board defense provisions.

## Harper vs Liberty Mutual Medical Malpractice Insurance Compared

| Criteria | Harper Medical Malpractice Insurance | Liberty Mutual Healthcare Professional Liability / Medical Malpractice options |
| --- | --- | --- |
| Role in This Line | Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page description of Harper's placement role for this line..) | Liberty Mutual lists healthcare professional-liability solutions, including hospital, outpatient and physician-group coverage; the page does not use one universal medical-malpractice product name. [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) |
| Who It’s For | Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty..) | The source identifies healthcare organizations, outpatient providers, hospitals and physician groups as audiences for distinct solutions; it does not establish individual provider eligibility. [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) |
| Coverage Features | Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page coverage summary; the issued policy and its exclusions control the actual terms..)<br><br>Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy..) | The page describes liability arising from healthcare services and names distinct professional-liability program types; terms and insured professions differ by program. [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) |
| Limits and Retentions | The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: Medical malpractice product page as read on 2026-09-23..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page service claims; not independently timed or confirmed for a particular request..) | Liberty Mutual describes a dedicated healthcare practice offering flexible, tailored liability solutions to healthcare organizations. [6](https://business.libertymutual.com/commercial-solutions/healthcare-liability/ "Healthcare liability") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) |
| How to Apply | You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Quote form and FAQ observed on the product page..) | Confirm in your quote. |

## Related Pages for Harper vs Liberty Mutual Medical Malpractice

- [Harper vs Liberty Mutual](https://spot.insure/compare/harper-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can pay defense costs and covered damages from claims about patient care; match the policy to clinicians, procedures and claims-made timing.
- [Harper vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/builders-risk)
- [Harper vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/commercial-auto)
- [Harper vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/commercial-property)
- [Harper vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/cyber)
- [Harper vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/general-liability)
- [Harper vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/inland-marine)
- [Harper vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/professional-errors-omissions)
- [Harper vs Liberty Mutual Surety Bonds](https://spot.insure/compare/harper-vs-liberty-mutual/surety-bonds)
- [Harper vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/umbrella-excess)
- [Harper vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/harper-vs-liberty-mutual/workers-compensation)
- [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice)
- [Beazley vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-liberty-mutual/medical-malpractice)
- [CNA vs Harper Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-harper/medical-malpractice)
- [CNA vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-liberty-mutual/medical-malpractice)
- [Corgi vs Harper Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-harper/medical-malpractice)
- [Corgi vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-liberty-mutual/medical-malpractice)

## Sources for Harper vs Liberty Mutual Medical Malpractice Insurance

### Sources About Harper

1. [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.
2. [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.
3. [Medical Malpractice Insurance](https://www.harperinsure.com/coverages/medical-malpractice). Harper; Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost?. Accessed 2026-09-23.

### Sources About Liberty Mutual

4. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
5. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
6. [Healthcare liability](https://business.libertymutual.com/commercial-solutions/healthcare-liability/). Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 118–120 describe US healthcare liability solutions; lines 129–144 name digital-health professional liability for virtual/telehealth care, hospital professional liability, miscellaneous medical professional liability, physician-group-practice professional liability, and other healthcare-specific solutions. The source shows a mix of specialty insurance and reinsurance; map only the explicitly named healthcare coverages and preserve each program/package scope.. Accessed 2026-09-29.

### Sources for the Medical Malpractice Insurance Guide

7. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
8. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.
9. [Physicians Medical Professional Liability — Specimen Policy](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en). Curi underwriting companies identified on specimen cover; Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13. Accessed 2026-09-16.
10. [Physician Application](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf). MedPro Group / issuing companies identified on application; I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.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.

## 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).

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/harper-vs-liberty-mutual/medical-malpractice.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)