--- title: "Insureon vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance" description: "THREE presents workers’ compensation within its combined Business Owners Policy and offers an online package quote with licensed-advisor help; Insureon markets a separate online quote request." canonical: "https://spot.insure/compare/insureon-vs-three/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "insureon-vs-three" provider-a: "insureon" provider-b: "three" coverage-line: "workers-compensation" --- 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/insureon-vs-three/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Insureon and THREE by Berkshire Hathaway for Workers’ Compensation 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 Workers’ Compensation Insurance questions about Insureon versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Insureon vs THREE by Berkshire Hathaway for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Insureon or THREE by Berkshire Hathaway? - What does Insureon or THREE by Berkshire Hathaway publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from Insureon or THREE by Berkshire Hathaway? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Insureon and THREE by Berkshire Hathaway. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Insureon vs THREE by Berkshire Hathaway](https://spot.insure/compare/insureon-vs-three) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Insureon vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/insureon-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Insureon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/insureon-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Insureon vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/insureon-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Insureon vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/insureon-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) # Insureon vs THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance? THREE presents workers’ compensation within its combined Business Owners Policy and offers an online package quote with licensed-advisor help; Insureon markets a separate online quote request. ## Research Scope and Use Use this comparison to evaluate Insureon and THREE by Berkshire Hathaway for Workers’ Compensation 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 THREE lists workers’ compensation as a category in its Business Owners Policy; Insureon markets workers’ compensation with a separate online request route. [3](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## 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) ## THREE small business insurance: coverage, issuer and buying routes THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## What Is Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [7](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [8](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [9](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [10](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## Key Differences in Workers’ Compensation Insurance ### Packaged or Separately Marketed THREE presents workers’ compensation as a component of its combined Business Owners Policy rather than identifying it as a standalone policy on the reviewed page. Insureon markets workers’ compensation as a small-business line with an online quote request. If you want one package across business coverages, ask THREE whether workers’ compensation appears in your actual quote; if buying it separately, ask Insureon which other policies can be combined in the same application. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") ### Issuer and Purchase Support THREE’s sample policy declarations identify Berkshire Hathaway Direct Insurance Company as issuer, and the company says licensed Small Business Advisors can help with its online package quote. Insureon’s overview provides an online request but does not identify the carrier or describe a named advisor. Request the actual declarations and confirm whether workers’ compensation is selected and included in either proposal. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") ## What to Confirm in Workers’ Compensation Insurance Quotes - Ask THREE whether workers’ compensation is included in your package quote, who issues it, and which advisor supports the application. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Ask Insureon whether the policy is standalone or bundled, and identify the issuing carrier before binding. [3](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") ## Offering Details | Criteria | Insureon Workers’ Compensation Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Insureon markets Workers’ Compensation and offers online quote requests for small businesses. [3](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free 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..) | THREE presents Workers’ Compensation as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) | | Issuing Insurer | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy..) | | Who It’s For | The page is directed to employers with employees; the state and carrier rules for a particular business are not established by this marketing page. [3](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free 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..) | The reviewed product page does not state separate eligibility rules for Workers’ Compensation; the general quote and advisor route is not proof that a particular business qualifies for it. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | | Coverage Features | The page describes benefits for employees injured at work, including medical costs and lost wages; applicable benefits and policy terms are not determined by the overview. [3](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free 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..) | THREE's Business Owners Policy page lists Workers’ Compensation among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Workers’ Compensation. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | | 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/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | The reviewed public product page does not state a separate limit or deductible for Workers’ Compensation; THREE says the quote-specific insurance summary lists limits and deductibles. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | 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/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free 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..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Workers’ Compensation will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Full Comparison - [Insureon vs THREE by Berkshire Hathaway](https://spot.insure/compare/insureon-vs-three): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [Insureon vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/insureon-vs-three/business-owners-policy) - [Insureon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/insureon-vs-three/commercial-auto) - [Insureon vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/insureon-vs-three/cyber) - [Insureon vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/insureon-vs-three/general-liability) - [AIG vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-insureon/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation) - [Alliance Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/workers-compensation) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) - [Amelia Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/workers-compensation) - [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation) ## 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. [Workers’ Comp Insurance: Buy Online & Get Free Quotes](https://www.insureon.com/small-business-insurance/workers-compensation). Insureon; Product overview L67-L85; coverage examples L95-L121; quote/application path L343-L365.. Accessed 2026-09-29. ### THREE by Berkshire Hathaway 4. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30. 5. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30. 6. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30. ### Workers’ Compensation Insurance Guide 7. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16. 8. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16. 9. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16. 10. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. 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). ## THREE by Berkshire Hathaway Reviews Review Score: 7.3 / 10 from 2 rated sources, equally weighted. The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure. - NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) - Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) - BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/insureon-vs-three/workers-compensation.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)