---
title: "HUB International vs Insureon: Umbrella and Excess Liability Insurance"
description: "HUB describes umbrella placements across six casualty industries and applies claims and risk services; Insureon’s reviewed page focuses on a small-business quote route."
canonical: "https://spot.insure/compare/hub-international-vs-insureon/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-insureon"
provider-a: "hub-international"
provider-b: "insureon"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-insureon/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Insureon for Umbrella and Excess 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 Umbrella and Excess Liability Insurance questions about HUB International versus Insureon. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Insureon for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, HUB International or Insureon?
- What does HUB International or Insureon publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from HUB International or Insureon?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: HUB International and Insureon.
- 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:**
- [HUB International vs Insureon](https://spot.insure/compare/hub-international-vs-insureon) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [HUB International vs Insureon Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-insureon/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Cyber Insurance](https://spot.insure/compare/hub-international-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Fidelity Bonds](https://spot.insure/compare/hub-international-vs-insureon/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon General Liability Insurance](https://spot.insure/compare/hub-international-vs-insureon/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-insureon/inland-marine) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# HUB International vs Insureon: How Do They Compare for Umbrella and Excess Liability Insurance?

HUB describes umbrella placements across six casualty industries and applies claims and risk services; Insureon’s reviewed page focuses on a small-business quote route.

## Research Scope and Use

Use this comparison to evaluate HUB International and Insureon for Umbrella and Excess 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

HUB names transportation, construction, healthcare, hospitality, manufacturing, and real estate clients for its casualty practice; Insureon markets umbrella through a small-business quote channel. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

## What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What is Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [5](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [6](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [8](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [11](https://www.coverdash.com/coverage "Coverage Hub") [12](https://kinro.com/products "Products")

## Key Differences in Umbrella and Excess Liability Insurance

### Industry Scope

HUB says its casualty practice, which includes umbrella and excess liability, serves transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate. Insureon markets commercial umbrella through its small-business channel but does not name industries or a size cutoff for eligibility on the reviewed page. A buyer in one of HUB’s named sectors can ask which casualty team handles its exposure; an Insureon applicant should confirm whether its operations fit the insurer’s appetite. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

### Support Across a Casualty Placement

HUB describes applying risk services, claims, litigation, and analytics expertise across its casualty programs, including umbrella and excess placements. Insureon explains umbrella as protection above underlying general liability, auto, or employers’-liability coverage, with terms dependent on the quote; it does not describe comparable support in that overview. If you want ongoing help after placement, ask HUB which services apply to your account and Insureon who will provide them. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask HUB which industry team would handle the account and which claims, analytics, or risk services are included. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Ask Insureon to confirm eligibility for your industry and name the insurer and service contact on the proposal. [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes")

## Offering Details

| Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Insureon Commercial Umbrella Insurance |
| --- | --- | --- |
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | Insureon markets Commercial Umbrella insurance through its small-business quote channel. [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route 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..) |
| Issuing Insurer | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. |
| Who It’s For | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria..) | The page addresses businesses seeking additional liability protection; it does not state an applicant’s limits, underlying-policy requirements or eligibility. [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route 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 | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) | The page describes umbrella coverage as additional liability protection above underlying policies; which underlying policies and terms apply depend on the quote. [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route 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 | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. [7](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route 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..) |

## Full Comparison

- [HUB International vs Insureon](https://spot.insure/compare/hub-international-vs-insureon): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [HUB International vs Insureon Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-insureon/business-owners-policy)
- [HUB International vs Insureon Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-auto)
- [HUB International vs Insureon Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-property)
- [HUB International vs Insureon Cyber Insurance](https://spot.insure/compare/hub-international-vs-insureon/cyber)
- [HUB International vs Insureon Fidelity Bonds](https://spot.insure/compare/hub-international-vs-insureon/fidelity-bonds)
- [HUB International vs Insureon General Liability Insurance](https://spot.insure/compare/hub-international-vs-insureon/general-liability)
- [HUB International vs Insureon Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-insureon/inland-marine)
- [HUB International vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-insureon/workers-compensation)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess)
- [Alliance Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/umbrella-excess)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/umbrella-excess)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.

### Insureon

5. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
6. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
7. [Commercial Umbrella Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/umbrella-liability). Insureon; Product definition and underlying policies L67-L90; quote CTA.. Accessed 2026-09-29.

### Umbrella and Excess Liability Insurance Guide

8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
10. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
11. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
12. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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.

## HUB International Reviews

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

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

## Insureon Reviews

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-insureon/umbrella-excess.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)