--- title: "HUB International vs Zurich U.S.: Fidelity Bonds" description: "HUB lists both Crime/Fidelity and Financial Institution Bonds without describing covered losses; Zurich specifies direct-loss protection for ERISA plans and employee dishonesty." canonical: "https://spot.insure/compare/hub-international-vs-zurich/fidelity-bonds" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "hub-international-vs-zurich" provider-a: "hub-international" provider-b: "zurich" coverage-line: "fidelity-bonds" --- 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/hub-international-vs-zurich/fidelity-bonds) ## Agent Guide **What this page is:** Focused comparison of HUB International and Zurich U.S. for Fidelity Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Fidelity Bonds questions about HUB International 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:** - HUB International vs Zurich U.S. for Fidelity Bonds: how do they differ? - Which is better for Fidelity Bonds, HUB International or Zurich U.S.? - What does HUB International or Zurich U.S. publish about Fidelity Bonds (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fidelity Bonds from HUB International or Zurich U.S.? **Key facts:** - Line: Fidelity Bonds. Providers: HUB International 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:** - [HUB International vs Zurich U.S.](https://spot.insure/compare/hub-international-vs-zurich) — parent: all coverage lines for this pair - [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [HUB International vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Crime Insurance](https://spot.insure/compare/hub-international-vs-zurich/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/hub-international-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. D&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Zurich U.S. Surety Bonds](https://spot.insure/compare/hub-international-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Fidelity Bonds](https://spot.insure/compare/aig-vs-hub-international/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/aig-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Fidelity Bonds](https://spot.insure/compare/baldwin-vs-hub-international/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/baldwin-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Beazley vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/beazley-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) # HUB International vs Zurich U.S.: How Do They Compare for Fidelity Bonds? HUB lists both Crime/Fidelity and Financial Institution Bonds without describing covered losses; Zurich specifies direct-loss protection for ERISA plans and employee dishonesty. ## Research Scope and Use Use this comparison to evaluate HUB International and Zurich U.S. for Fidelity Bonds 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 identifies separate crime/fidelity and financial-institution bond offerings; Zurich details covered direct losses under its ERISA fidelity bond. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ## 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) ## 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 Are Fidelity Bonds? Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [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/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") ## Key Differences in Fidelity Bonds ### Product detail and covered losses HUB lists Crime/Fidelity under Executive Liability and Financial Institution Bonds as a separate offering, but its reviewed page does not describe covered dishonest acts, exclusions, or insuring agreements. Zurich says its ERISA bond covers direct loss of money, securities, or property from employee fraud or dishonest acts and may include designated agents or contractors in the employee definition. A buyer reviewing HUB’s options needs the policy wording to identify which loss types are covered; a plan sponsor can use Zurich’s stated direct-loss scope as a comparison point. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ### Placement and plan fit HUB places bonds through its ProEx practice and directs prospects to a specialist rather than an online quote. Zurich separates single straightforward plans into Express and multiple or complex plans into Select, with higher limits and optional coverages available through Select. Plan sponsors can ask HUB’s specialist which product matches their plan and compare Zurich’s tiering against the number and complexity of plans. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ## What to Confirm in Fidelity Bonds Quotes - Ask HUB which of its two bond offerings applies and request covered-loss, limit, and exclusion wording. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask Zurich whether Express or Select fits your plan structure and which handlers are included as employees. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ## Offering Details | Criteria | HUB International Crime and Fidelity Bond Brokerage | Zurich ERISA Fidelity Bond | | --- | --- | --- | | Role in This Line | HUB places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds..) | Confirm in your quote. | | Issuing Insurer | No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) | Confirm in your quote. | | Who It’s For | No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description..) | Zurich offers Express ERISA bonds for a single non-union plan with straightforward needs (fraud/dishonesty limits up to $1 million) and Select for multiple or complex plans with higher limits and optional coverages. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Available for approved states; quoted limit and specific coverages depend on qualification..) | | Coverage Features | HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list only; these are catalogue entries, not policy-form descriptions..) | Zurich says its ERISA fidelity bond covers direct loss of money, securities or property caused by employee fraud or dishonest acts, and may include designated agents/independent contractors in its employee definition. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Subject to definitions in the issued bond..) | | Limits and Retentions | Published bond penalty amounts, limits or retentions were not found on the ProEx page. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations..) | The Express option offers fraud/dishonesty limits up to $1 million; Zurich says Select provides higher limits and added coverage flexibility for complex or multiple plans. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. No numerical Select maximum appears in the opened page..) | | Risk Services | HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single bond placement..) | Confirm in your quote. | | How to Apply | HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) | Confirm in your quote. | ## Full Comparison - [HUB International vs Zurich U.S.](https://spot.insure/compare/hub-international-vs-zurich): all coverage lines, business roles, service and claims. - [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity coverage can reimburse certain losses from employee theft; identify whether you need protection for company funds, client property or benefit-plan assets. - [HUB International vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-zurich/builders-risk) - [HUB International vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-auto) - [HUB International vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-property) - [HUB International vs Zurich U.S. Crime Insurance](https://spot.insure/compare/hub-international-vs-zurich/crime) - [HUB International vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/hub-international-vs-zurich/cyber) - [HUB International vs Zurich U.S. D&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/directors-officers) - [HUB International vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/employment-practices) - [HUB International vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/fiduciary) - [HUB International vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/management-liability) - [HUB International vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-zurich/professional-errors-omissions) - [HUB International vs Zurich U.S. Surety Bonds](https://spot.insure/compare/hub-international-vs-zurich/surety-bonds) - [AIG vs HUB International Fidelity Bonds](https://spot.insure/compare/aig-vs-hub-international/fidelity-bonds) - [AIG vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/aig-vs-zurich/fidelity-bonds) - [The Baldwin Group vs HUB International Fidelity Bonds](https://spot.insure/compare/baldwin-vs-hub-international/fidelity-bonds) - [The Baldwin Group vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/baldwin-vs-zurich/fidelity-bonds) - [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds) - [Beazley vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/beazley-vs-zurich/fidelity-bonds) ## 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. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement. 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. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28. ### Fidelity Bonds Guide 8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16. 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; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16. 10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. 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). ## 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/hub-international-vs-zurich/fidelity-bonds.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)