---
title: "Heffernan Insurance Brokers vs Zurich U.S.: Fiduciary Liability Insurance"
description: "Heffernan offers a family-office risk assessment covering structures, exposures, and claims navigation; Zurich describes global fiduciary programs for qualified multinational clients."
canonical: "https://spot.insure/compare/heffernan-vs-zurich/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "heffernan-vs-zurich"
provider-a: "heffernan"
provider-b: "zurich"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Zurich U.S. for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Heffernan Insurance Brokers versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Heffernan Insurance Brokers and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Heffernan Insurance Brokers vs Zurich U.S.](https://spot.insure/compare/heffernan-vs-zurich) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Heffernan Insurance Brokers vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Crime Insurance](https://spot.insure/compare/heffernan-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/heffernan-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/heffernan-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Surety Bonds](https://spot.insure/compare/heffernan-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)

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

Heffernan offers a family-office risk assessment covering structures, exposures, and claims navigation; Zurich describes global fiduciary programs for qualified multinational clients.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Zurich U.S. for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Heffernan describes advisory and claims-navigation support for family offices; Zurich describes locally admitted policies linked to a U.S. master for qualified multinationals. [4](https://www.heffins.com/family-office/ "Family Office") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## What Is Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Fiduciary Liability Insurance?

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

## Key Differences in Fiduciary Liability Insurance

### Advisory support and policy structure
Heffernan’s family-office practice offers a risk assessment that inventories structures, assets, and exposures, develops insurance strategies, and helps clients navigate claims. Zurich says qualified multinational fiduciary customers can structure local admitted policies tied to a U.S. master policy. The Heffernan service describes broker support across a family office’s exposures; Zurich addresses how multinational coverage may be structured. A family office with overseas plans should ask both parties how their approach covers each jurisdiction and entity. [4](https://www.heffins.com/family-office/ "Family Office") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

### Coverage detail to get in writing
Heffernan lists fiduciary liability among several coverages it arranges for family offices but does not describe the policy’s insuring agreement or exclusions in the reviewed page. Zurich describes Select coverage for claims and investigations involving plan administration and offers standalone or packaged policies. Buyers should request Heffernan’s proposed form and compare Zurich’s written claims and investigation triggers, rather than infer terms from the practice’s coverage list. [4](https://www.heffins.com/family-office/ "Family Office") [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Heffernan which carrier and policy form it proposes and whether it supports plans in each jurisdiction. [4](https://www.heffins.com/family-office/ "Family Office")
- Ask Zurich which locally admitted policies can attach to the master and what plan-administration investigations qualify. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## Offering Details

| Criteria | Heffernan Fiduciary Liability Insurance | Zurich Fiduciary Liability Insurance |
| --- | --- | --- |
| Role in This Line | Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found..) | Confirm in your quote. |
| Issuing Insurer | The reviewed pages do not name the insurer or insurers that issue fiduciary liability policies Heffernan places for either business clients or family offices. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically..) | Confirm in your quote. |
| Coverage Features | On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23..) | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| Limits and Retentions | Neither page publishes a fiduciary-liability limit, retention, or premium range. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | Confirm in your quote. |
| Risk Services | Heffernan's family-office practice describes a Risk Management Assessment: itemizing a client's structures, assets, and exposures; crafting insurance and risk-management strategies to close coverage gaps; and helping navigate claims, for its fiduciary and financial-institution client base. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; a company-described service, not a measured outcome..) | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| How to Apply | The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead..) | Confirm in your quote. |

## Full Comparison

- [Heffernan Insurance Brokers vs Zurich U.S.](https://spot.insure/compare/heffernan-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Heffernan Insurance Brokers vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-zurich/builders-risk)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-auto)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-property)
- [Heffernan Insurance Brokers vs Zurich U.S. Crime Insurance](https://spot.insure/compare/heffernan-vs-zurich/crime)
- [Heffernan Insurance Brokers vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/heffernan-vs-zurich/cyber)
- [Heffernan Insurance Brokers vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/employment-practices)
- [Heffernan Insurance Brokers vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/heffernan-vs-zurich/fidelity-bonds)
- [Heffernan Insurance Brokers vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-zurich/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Zurich U.S. Surety Bonds](https://spot.insure/compare/heffernan-vs-zurich/surety-bonds)
- [AIG vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/fiduciary)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary)
- [Alliance Risk vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/fiduciary)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary)
- [Aon vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23.
4. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; We serve: Family offices, Trust companies, Individual and professional trustees, Financial advisors/CPAs/attorneys, Private equity firms, Foundations, Financial institutions; Coverage for Family Offices, Trustees & Financial Firms: ... Fiduciary liability insurance ...; Risk Management Assessment section; contact Lacey Garrison. Accessed 2026-09-23.

### Zurich U.S.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance). Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
8. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability). Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.

### Fiduciary Liability Insurance Guide

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

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Heffernan Insurance Brokers Reviews

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-zurich/fiduciary.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)