--- title: "Harper vs THREE by Berkshire Hathaway: Commercial Auto Insurance" description: "Harper targets trucking and passenger transport and explains FMCSA proof documents, while THREE lists Business Auto within its combined policy." canonical: "https://spot.insure/compare/harper-vs-three/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "harper-vs-three" provider-a: "harper" provider-b: "three" 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/harper-vs-three/commercial-auto) ## Agent Guide **What this page is:** Focused comparison of Harper and THREE by Berkshire Hathaway 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 Harper versus THREE by Berkshire Hathaway. 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 THREE by Berkshire Hathaway for Commercial Auto Insurance: how do they differ? - Which is better for Commercial Auto Insurance, Harper or THREE by Berkshire Hathaway? - What does Harper or THREE by Berkshire Hathaway publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Auto Insurance from Harper or THREE by Berkshire Hathaway? **Key facts:** - Line: Commercial Auto Insurance. Providers: Harper and THREE by Berkshire Hathaway. - 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 THREE by Berkshire Hathaway](https://spot.insure/compare/harper-vs-three) — parent: all coverage lines for this pair - [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line - [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Harper vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/harper-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Harper vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/harper-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Harper vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/harper-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Harper vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/harper-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line) - [Harper vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Harper vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/harper-vs-three/workers-compensation) — 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) - [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/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) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Harper Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-harper/commercial-auto) — sibling comparison (other line, or other pair for this line) # Harper vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance? Harper targets trucking and passenger transport and explains FMCSA proof documents, while THREE lists Business Auto within its combined policy. ## Research Scope and Use Use this comparison to evaluate Harper and THREE by Berkshire Hathaway for Commercial Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Harper arranges commercial-auto liability and physical damage for freight, passenger, and specialized transportation operators, with proof documents for FMCSA operating authority. THREE markets Business Auto as a BOP category. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## 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) ## THREE small business insurance: coverage, issuer and buying routes THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## What Is Commercial Auto Insurance? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## Key Differences in Commercial Auto Insurance ### Transportation focus and vehicle damage Harper’s transportation practice serves freight carriers, trucking companies, passenger transport, and specialized operators. It distinguishes liability for vehicle accidents and third-party injuries from physical-damage coverage for collision and comprehensive damage to vehicles. THREE lists Business Auto within its combined BOP but does not identify trucking classes or explain physical-damage options in the reviewed offering. A carrier should ask Harper about transport fit and ask THREE whether its package extends to fleets and required filings. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Operating-authority documents Harper says it can deliver proof-of-insurance documents quickly for FMCSA operating-authority requirements and explains auto, cargo, and FMCSA rules. THREE’s reviewed Business Auto description does not mention transportation filings or cargo. For a regulated carrier, document timing can affect when operations begin; confirm the named insured, filing responsibility, and delivery with each quote. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What to Confirm in Commercial Auto Insurance Quotes - Ask Harper which liability and physical-damage options satisfy your FMCSA obligations. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") - Ask THREE whether Business Auto is available for transportation operators and supports required filings. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Confirm who files proof of insurance and whether cargo is separate. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") ## Offering Details | Criteria | Harper Commercial Auto Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | 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. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [4](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Transportation industry page 'Why Harper' section and homepage coverage-list introduction..) | THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) | | Issuing Insurer | 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. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [4](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..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy..) | | Who It’s For | Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. [3](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..) | The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | | Coverage Features | 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. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") [4](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..) | THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | | Limits and Retentions | 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. [4](https://www.harperinsure.com/ "Harper Homepage") [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") (Evidence: Not publicly disclosed; scope: Checked the homepage and transportation industry page on 2026-09-23..) | The reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | Risk Services | 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. [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") (Evidence: Company-reported; scope: Transportation industry page 'Why Harper' section..) | Confirm in your quote. | | How to Apply | 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. [4](https://www.harperinsure.com/ "Harper Homepage") [3](https://www.harperinsure.com/industries/transportation "Transportation Insurance") (Evidence: Company-reported; scope: Homepage and transportation industry page quote-intake forms..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Full Comparison - [Harper vs THREE by Berkshire Hathaway](https://spot.insure/compare/harper-vs-three): 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. - [Harper vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/harper-vs-three/commercial-property) - [Harper vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/harper-vs-three/general-liability) - [Harper vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/harper-vs-three/inland-marine) - [Harper vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/harper-vs-three/liquor-liability) - [Harper vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-three/professional-errors-omissions) - [Harper vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/harper-vs-three/workers-compensation) - [AIG vs Harper Commercial Auto Insurance](https://spot.insure/compare/aig-vs-harper/commercial-auto) - [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto) - [Alliance Risk vs Harper Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-harper/commercial-auto) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) - [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto) - [The Baldwin Group vs Harper Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-harper/commercial-auto) ## Sources ### 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. [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. 4. [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. ### THREE by Berkshire Hathaway 5. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30. 6. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30. 7. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30. ### Commercial Auto Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16. 9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16. 10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16. 11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Harper Reviews 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). ## THREE by Berkshire Hathaway Reviews Review Score: 7.3 / 10 from 2 rated sources, equally weighted. The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure. - NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) - Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) - BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/harper-vs-three/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)