---
title: "Liberty Mutual vs Newfront: Fidelity Bonds"
description: "Compare how Liberty Mutual and Newfront structure fidelity bonds coverage, then check the policy form, eligibility, and quote route."
canonical: "https://spot.insure/compare/liberty-mutual-vs-newfront/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-newfront"
provider-a: "liberty-mutual"
provider-b: "newfront"
coverage-line: "fidelity-bonds"
---

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[Human-readable page](https://spot.insure/compare/liberty-mutual-vs-newfront/fidelity-bonds)

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual and Newfront 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 Liberty Mutual versus Newfront. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Liberty Mutual vs Newfront for Fidelity Bonds: how do they differ?
- Which is better for Fidelity Bonds, Liberty Mutual or Newfront?
- What does Liberty Mutual or Newfront publish about Fidelity Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fidelity Bonds from Liberty Mutual or Newfront?

**Key facts:**
- Line: Fidelity Bonds. Providers: Liberty Mutual and Newfront.
- 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:**
- [Liberty Mutual vs Newfront](https://spot.insure/compare/liberty-mutual-vs-newfront) — parent: all coverage lines for this pair
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile (evidence)
- [Liberty Mutual vs Newfront Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/crime) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/cyber) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/general-liability) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-newfront/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Telehealth Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/virtual-care-telehealth) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Newfront Fidelity Bonds](https://spot.insure/compare/aig-vs-newfront/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/baldwin-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Newfront Fidelity Bonds](https://spot.insure/compare/baldwin-vs-newfront/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/beazley-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Newfront Fidelity Bonds](https://spot.insure/compare/beazley-vs-newfront/fidelity-bonds) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Newfront: How Do They Compare for Fidelity Bonds?

Compare how Liberty Mutual and Newfront structure fidelity bonds coverage, then check the policy form, eligibility, and quote route.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and Newfront 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

Liberty Mutual’s record describes a an unspecified surety option versus a brokered executive-risk line; Newfront’s reviewed offering gives a distinct route or detail. Check both quoted forms for your business. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") [8](https://www.newfront.com/executive-risk "Executive Risk")

## What Is Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [1](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Newfront?

Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. [4](https://www.newfront.com/business-insurance "Business Insurance") [5](https://www.newfront.com/total-rewards "Employee Benefits") [6](https://www.newfront.com/navigator "Newfront Navigator") [7](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](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") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions")

## Key Differences in Fidelity Bonds

### An unspecified surety option versus a brokered executive-risk line

Liberty Mutual Surety names fidelity bonds in its catalogue without describing the form. Newfront brokers fidelity with crime under Executive Risk, but its page does not separately describe fidelity-specific insuring agreements or limits. Buyers can request Newfront’s consultation and should ask both providers to quote the same bond obligation and employee categories. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") [8](https://www.newfront.com/executive-risk "Executive Risk")

### Placement services versus policy details

Newfront offers a connected dashboard for policies, certificates, and billing, with renewal data pre-populated; Liberty Mutual describes specialized surety underwriting across sectors. Neither service description supplies the bond terms, so compare the actual carrier forms after establishing the bond type. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") [8](https://www.newfront.com/executive-risk "Executive Risk")

## What to Confirm in Fidelity Bonds Quotes

- Ask Newfront to separate fidelity limits and covered positions from crime; ask Liberty Mutual for the form, claim trigger, and eligible buyer classes. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") [8](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | Liberty Mutual Commercial Fidelity Bonds | Newfront Fidelity Bond Insurance |
| --- | --- | --- |
| Role in This Line | Liberty Mutual Surety lists fidelity bonds among its commercial bond solutions; it does not identify a particular bond form for a buyer. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) | Newfront brokers fidelity bond coverage as part of its Executive Risk practice, which it groups with crime coverage under one Key Coverages entry. It negotiates placement rather than underwriting the risk. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page; fidelity and crime are listed together, not as separately described products..) |
| Issuing Insurer | Confirm in your quote. | The reviewed Executive Risk page does not name the insurer or insurers that would issue a fidelity bond placed through Newfront. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23; carrier depends on the specific placement..) |
| Who It’s For | The commercial-bonds page describes solutions for individual professionals, midsize businesses and large companies; availability of each bond type for each buyer is not stated. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) | Newfront says its Executive Risk practice services private companies from seed round through every series of funding, and describes work with over 500 publicly traded companies, without a fidelity-specific eligibility threshold. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Here for the Long Run section; figures describe the executive-risk practice broadly, not fidelity bonds specifically..) |
| Coverage Features | The page identifies fidelity bonds as one item in a broad commercial-bond catalogue but does not describe the covered obligation or claim trigger for a particular fidelity bond. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) | Newfront lists "Fidelity and Crime" among the Key Coverages of its Executive Risk program. The page does not separately describe fidelity-specific insuring agreements such as employee-dishonesty bond limits or covered positions. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page Key Coverages list; fidelity and crime are bundled in one line item..) |
| 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://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Newfront's Executive Risk page does not publish limits or retentions for fidelity bond coverage. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) |
| Risk Services | Liberty Mutual Surety describes its commercial bond solutions as tailored across business sectors and supported by specialized surety underwriting teams. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) | Newfront says clients get 24/7 access to their insurance program, including policies, certificates of insurance and billing, through its connected dashboard, and that renewal submissions use pre-populated historical data. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Industry-Leading Technology section; described across Executive Risk lines, not fidelity-specific..) |
| How to Apply | Confirm in your quote. | You start a fidelity bond placement by requesting a consultation through Newfront's Executive Risk page. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page call-to-action; no online quoting or binding described..) |
| Claims Support | Confirm in your quote. | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a fidelity bond claim. [8](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference section; described across Executive Risk lines, not a fidelity-specific claims workflow..) |

## Full Comparison

- [Liberty Mutual vs Newfront](https://spot.insure/compare/liberty-mutual-vs-newfront): 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.
- [Liberty Mutual vs Newfront Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/crime)
- [Liberty Mutual vs Newfront Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/cyber)
- [Liberty Mutual vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/equipment-breakdown)
- [Liberty Mutual vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/fiduciary)
- [Liberty Mutual vs Newfront General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/general-liability)
- [Liberty Mutual vs Newfront Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-newfront/surety-bonds)
- [Liberty Mutual vs Newfront Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/technology-errors-omissions)
- [Liberty Mutual vs Newfront Telehealth Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/virtual-care-telehealth)
- [Liberty Mutual vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/umbrella-excess)
- [Liberty Mutual vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-newfront/workers-compensation)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds)
- [AIG vs Newfront Fidelity Bonds](https://spot.insure/compare/aig-vs-newfront/fidelity-bonds)
- [The Baldwin Group vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/baldwin-vs-liberty-mutual/fidelity-bonds)
- [The Baldwin Group vs Newfront Fidelity Bonds](https://spot.insure/compare/baldwin-vs-newfront/fidelity-bonds)
- [Beazley vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/beazley-vs-liberty-mutual/fidelity-bonds)
- [Beazley vs Newfront Fidelity Bonds](https://spot.insure/compare/beazley-vs-newfront/fidelity-bonds)

## Sources

### Liberty Mutual

1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
3. [Commercial Bonds](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/). Liberty Mutual Business Insurance; ‘Broad slate of commercial bonds’ enumerates court/fiduciary, appeal, tax appeal, self-insurer workers compensation, license/permit, reclamation, lost instrument, utility payment, service/supply, business services, public official, ERISA, fidelity and miscellaneous bonds; page states distinct large/small commercial audiences and qualified program scale.. Accessed 2026-09-29.

### Newfront

4. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
5. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
6. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
7. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
8. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Fidelity and Crime; Here for the Long Run: Private Companies and Public statistics; Industry-Leading Technology. Accessed 2026-09-23.

### Fidelity Bonds Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
10. [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.
11. [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.

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

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

## Newfront Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.

- BBB: BBB grade A (BBB letter grade). BBB profile for Ryan Tice | Newfront Insurance at a San Francisco address. Individual-producer/local listing, not Newfront Insurance Services company-wide. BBB profile displays A grade and says not BBB Accredited; grade is not customer stars. Period: File opened 2023-12-22; accessed 2026-09-25. Checked 2026-09-25. [Ryan Tice | Newfront Insurance | BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/ryan-tice---newfront-insurance-1116-955130)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/liberty-mutual-vs-newfront/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)