---
title: "Insureon vs ERGO NEXT Insurance: Business Owner’s Policy"
description: "ERGO NEXT publishes a ten-minute online purchase flow and program revenue and property ceilings; Insureon offers an online quote path without publishing comparable BOP thresholds."
canonical: "https://spot.insure/compare/insureon-vs-next-insurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "insureon-vs-next-insurance"
provider-a: "insureon"
provider-b: "next-insurance"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/insureon-vs-next-insurance/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Insureon and ERGO NEXT Insurance for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Insureon versus ERGO NEXT Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Insureon vs ERGO NEXT Insurance for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Insureon or ERGO NEXT Insurance?
- What does Insureon or ERGO NEXT Insurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Business Owner’s Policy from Insureon or ERGO NEXT Insurance?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Insureon and ERGO NEXT Insurance.
- 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:**
- [Insureon vs ERGO NEXT Insurance](https://spot.insure/compare/insureon-vs-next-insurance) — parent: all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [ERGO NEXT Insurance profile](https://spot.insure/insurance-providers/next-insurance) — provider profile (evidence)
- [Insureon vs ERGO NEXT Insurance Commercial Property Insurance](https://spot.insure/compare/insureon-vs-next-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Insureon vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/insureon-vs-next-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Insureon vs ERGO NEXT Insurance Workers’ Compensation Insurance](https://spot.insure/compare/insureon-vs-next-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Insureon Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-insureon/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs ERGO NEXT Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-next-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Insureon Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-insureon/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs ERGO NEXT Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-next-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Insureon Business Owner’s Policy](https://spot.insure/compare/chubb-vs-insureon/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Chubb vs ERGO NEXT Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-next-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)

# Insureon vs ERGO NEXT Insurance: How Do They Compare for Business Owner’s Policy?

ERGO NEXT publishes a ten-minute online purchase flow and program revenue and property ceilings; Insureon offers an online quote path without publishing comparable BOP thresholds.

## Research Scope and Use

Use this comparison to evaluate Insureon and ERGO NEXT Insurance for Business Owner’s Policy 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

ERGO NEXT describes online customization and purchase plus $5 million revenue and property ceilings. Insureon's overview provides a quote request but does not set individual eligibility or policy terms. [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP Insurance - Get Online Quotes") [8](https://assets-prod.nextinsurance.com/resources/bop-coverage-guide "Business Owners' Policy Coverage Guide — August 20, 2026") [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)")

## 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. [1](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [2](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 ERGO NEXT Insurance?

ERGO NEXT fits small businesses that want to quote, buy and manage general liability, workers' comp or a BOP online; if you need commercial auto, bonds or complex specialty cover, you'll be sent to partners or should use a broker. Staff-handled policy changes can take 7–10 business days. [4](https://www.nextinsurance.com/business-insurance/ "Business Insurance for Small Businesses") [5](https://www.nextinsurance.com/commercial-auto-insurance/ "Commercial Auto Liability Insurance") [6](https://www.nextinsurance.com/faq-category/my-account/ "My Account FAQs")

[ERGO NEXT Insurance profile](https://spot.insure/insurance-providers/next-insurance)

## What Is a Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [10](https://content.naic.org/consumer/small-business.htm "Small Business") [11](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Published program ceilings

ERGO NEXT's BOP guide sets a $5 million program revenue limit and a $5 million maximum total insured value, though its consumer product page does not give per-claim liability or property limits. Insureon's overview describes lower-risk small businesses as common BOP candidates without publishing a revenue or property threshold. Those ERGO NEXT figures give buyers a screen for the program, but the quote still must establish individual eligibility and the limits actually offered. [8](https://assets-prod.nextinsurance.com/resources/bop-coverage-guide "Business Owners' Policy Coverage Guide — August 20, 2026") [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP Insurance - Get Online Quotes")

### Purchase sequence and exclusions

ERGO NEXT describes an approximately ten-minute online quote, customization, and online purchase after application and underwriting approval; it lists exclusions such as employee injuries, professional errors, vehicles, and cyber attacks. Insureon offers an online quote request but does not publish a comparable timing promise or exclusions in its short overview. Buyers needing fast proof should confirm when coverage binds; buyers comparing exclusions should review the complete forms rather than infer terms from the shared BOP label. [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)") [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP Insurance - Get Online Quotes")

## What to Confirm in Business Owner’s Policy Quotes

- Ask ERGO NEXT to confirm how the $5 million program limits apply to your revenue and property schedule and what underwriting approval remains. [8](https://assets-prod.nextinsurance.com/resources/bop-coverage-guide "Business Owners' Policy Coverage Guide — August 20, 2026")
- Ask Insureon for the carrier's eligibility thresholds, binding steps, limits, and exclusions. [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP Insurance - Get Online Quotes")

## Offering Details

| Criteria | Insureon Business Owner’s Policy | ERGO NEXT Business Owner's Policy |
| --- | --- | --- |
| Role in This Line | Insureon provides an online quote path for small-business BOP insurance; it is a marketplace/agency route, not evidence that Insureon underwrites the policy. [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP 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..) | ERGO NEXT sells its business owner's policy as a package that combines general liability and commercial property in one online policy. [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)") (Evidence: Company-reported; scope: Business owner's policy product page as read 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The BOP page says policy obligations are the sole responsibility of the issuing insurance company, without naming that company on the product page. [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)") (Evidence: Company-reported; scope: Product page legal footer; the specific carrier for a policy is confirmed on the quote and declarations..) |
| Who It’s For | The page describes lower-risk small businesses as common BOP candidates; it does not establish eligibility for a particular business. [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP 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..) | ERGO NEXT's August 2026 BOP coverage guide lists target professions across categories including beauty and personal care, cleaning and janitorial, creative services, education, food and beverage, health and wellness, sports and fitness, retail, and professional services. [8](https://assets-prod.nextinsurance.com/resources/bop-coverage-guide "Business Owners' Policy Coverage Guide — August 20, 2026") (Evidence: Company-reported; scope: Agent-facing coverage guide dated August 20, 2026; profession and state availability are subject to change and underwriting..) |
| Coverage Features | The product page describes a BOP as combining general liability and commercial property; optional coverages and exact package terms depend on the quoted policy. [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP 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..) | ERGO NEXT says the BOP can cover theft of business gear, property and inventory damage, business income interruption, medical fees for non-employee injuries, and legal defense costs, with equipment failure available as an optional add-on. [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)") (Evidence: Company-reported; scope: Product page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>ERGO NEXT lists the BOP as excluding employee or owner work injuries, professional errors, business vehicles and cyber attacks; those need workers' compensation, professional liability, commercial auto or a cyber add-on instead. [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)") (Evidence: Company-reported; scope: Product page exclusions summary..) |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP 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..) | The BOP coverage guide states a program revenue limit of $5 million and a maximum total insured value of $5 million. The consumer product page does not itself publish per-claim liability or property limits. [8](https://assets-prod.nextinsurance.com/resources/bop-coverage-guide "Business Owners' Policy Coverage Guide — August 20, 2026") [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)") (Evidence: Company-reported; scope: Program-level caps from the agent-facing coverage guide; actual policy limits for a given business are set on the quote and declarations..) |
| How to Apply | 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. [3](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP 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..) | ERGO NEXT describes a roughly 10-minute online quote, coverage customization, and a fully online purchase that it says can take effect immediately and provide an instant certificate of insurance after a complete application and carrier underwriting approval; a premium payment alone does not bind coverage. [7](https://www.nextinsurance.com/business-owners-policy/ "Business Owner's Policy (BOP Insurance)") [9](https://www.nextinsurance.com/terms-of-service/ "Terms of Service") (Evidence: Company-reported; scope: Product page quote-flow description; the roughly 10-minute timing was not independently tested. Terms require a complete application and carrier underwriting approval, and payment alone does not bind coverage..) |

## Full Comparison

- [Insureon vs ERGO NEXT Insurance](https://spot.insure/compare/insureon-vs-next-insurance): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Insureon vs ERGO NEXT Insurance Commercial Property Insurance](https://spot.insure/compare/insureon-vs-next-insurance/commercial-property)
- [Insureon vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/insureon-vs-next-insurance/general-liability)
- [Insureon vs ERGO NEXT Insurance Workers’ Compensation Insurance](https://spot.insure/compare/insureon-vs-next-insurance/workers-compensation)
- [Alliance Risk vs Insureon Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-insureon/business-owners-policy)
- [Alliance Risk vs ERGO NEXT Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-next-insurance/business-owners-policy)
- [Amelia Risk vs Insureon Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-insureon/business-owners-policy)
- [Amelia Risk vs ERGO NEXT Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-next-insurance/business-owners-policy)
- [Chubb vs Insureon Business Owner’s Policy](https://spot.insure/compare/chubb-vs-insureon/business-owners-policy)
- [Chubb vs ERGO NEXT Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-next-insurance/business-owners-policy)

## Sources

### Insureon

1. [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.
2. [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.
3. [Business Owner’s Policy, BOP Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/business-owners-policy). Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page.. Accessed 2026-09-29.

### ERGO NEXT Insurance

4. [Business Insurance for Small Businesses](https://www.nextinsurance.com/business-insurance/). ERGO NEXT Insurance; Primary coverage selector; intended customers; product descriptions; online quote, purchase, documents, certificate and claims sections. Accessed 2026-09-15.
5. [Commercial Auto Liability Insurance](https://www.nextinsurance.com/commercial-auto-insurance/). ERGO NEXT Insurance; Commercial Auto hero; Progressive partner disclosure and external quote link; appointed-agent availability limitation. Accessed 2026-09-16.
6. [My Account FAQs](https://www.nextinsurance.com/faq-category/my-account/). ERGO NEXT Insurance; Electronic documents; policy and payment changes; cancellation; certificates and additional insureds. Accessed 2026-09-15.
7. [Business Owner's Policy (BOP Insurance)](https://www.nextinsurance.com/business-owners-policy/). ERGO NEXT Insurance; General Liability plus Commercial Property in one package; what BOP covers; who needs BOP most; exclusions; three-step quote process; issuing-insurer footer. Accessed 2026-09-23.
8. [Business Owners' Policy Coverage Guide — August 20, 2026](https://assets-prod.nextinsurance.com/resources/bop-coverage-guide). ERGO NEXT Insurance; Target Professions list by category (beauty and personal care, cleaning, creative services, education, food and beverage, health and wellness, sports and fitness, retail, professional services); "Business Owner's Policy - Revenue limit: $5M and Max TIV: $5M". Accessed 2026-09-23.
9. [Terms of Service](https://www.nextinsurance.com/terms-of-service/). ERGO NEXT Insurance; Last revised June 29, 2026; §§1, 5–7, 11, 13, 15, 18 and 23 (entities, limited availability, electronic documents, agents and carriers, underwriting, fees, payment and cancellation). Accessed 2026-09-15.

### Business Owner’s Policy Guide

10. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
11. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. 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.

## 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).

## ERGO NEXT Insurance Reviews

Review Score: 8.9 / 10 from 5 rated sources, equally weighted.

NEXT’s favorable ratings come with a warning: NerdWallet reports more commercial liability complaints than expected. Check complaint handling and support before relying on its headline scores.

- NerdWallet: NerdWallet editorial rating 4.0 (5). NerdWallet editorial small-business insurance review; commercial general liability and commercial property complaint analysis, NAIC 2022–2024. Period: 2026 review. Checked 2026-09-25. [Ergo Next Insurance 2026 Review - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/next-business-insurance)
- Trustpilot: TrustScore 4.1 (5 stars); 1423 reviews. Merged brand-level consumer reviews; does not reliably identify exact carrier or product for each reviewer. Period: profile total; 188 reviews in prior 12 months. Checked 2026-09-25. [ERGO NEXT Reviews | Trustpilot](https://www.trustpilot.com/review/nextinsurance.com)
- BBB: BBB Rating A+ (BBB letter grade). BBB local business profile for ERGO NEXT, listing multiple commercial products; BBB grade distinct from customer reviews. Checked 2026-09-25. [ERGO NEXT Insurance | BBB Business Profile](https://www.bbb.org/us/ca/palo-alto/profile/insurance-companies/ergo-next-insurance-1216-881554)
- BBB: BBB customer review average 4.36 (5); 909 reviews. BBB customer review average for listed ERGO NEXT business profile; distinguish this customer-star aggregate from BBB letter grade and from policy-specific claims outcomes. Checked 2026-09-25. [ERGO NEXT Insurance | BBB Customer Reviews](https://www.bbb.org/us/ca/palo-alto/profile/insurance-companies/ergo-next-insurance-1216-881554/customer-reviews)
- Google Play: Google Play app rating 4.9 (5 stars). Google Play mobile-app reviews for insurance app, not company-wide policy/claims experience; no office scope. Period: Observed 2026-09-25; ratings section showed 3.68K reviews while page header showed 3.75K, so exact review count is withheld. Checked 2026-09-25. [ERGO NEXT Insurance - Apps on Google Play](https://play.google.com/store/apps/details?id=com.nextinsurance)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/insureon-vs-next-insurance/business-owners-policy.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)