---
title: "Liberty Mutual vs Newfront: Workers’ Compensation Insurance"
description: "Newfront describes guaranteed-cost, retro-rated and large-deductible options with dedicated claims and safety services; Liberty Mutual lists the line without public program detail."
canonical: "https://spot.insure/compare/liberty-mutual-vs-newfront/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-newfront"
provider-a: "liberty-mutual"
provider-b: "newfront"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual and Newfront 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 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 Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Liberty Mutual or Newfront?
- What does Liberty Mutual or Newfront publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Liberty Mutual or Newfront?

**Key facts:**
- Line: Workers’ Compensation Insurance. 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
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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 Fidelity Bonds](https://spot.insure/compare/liberty-mutual-vs-newfront/fidelity-bonds) — 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)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-newfront/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/workers-compensation) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Newfront: How Do They Compare for Workers’ Compensation Insurance?

Newfront describes guaranteed-cost, retro-rated and large-deductible options with dedicated claims and safety services; Liberty Mutual lists the line without public program detail.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and Newfront 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

Newfront explains how buyers can structure retained risk and lists claims support, while Liberty Mutual’s reviewed record confirms commercial distribution. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") [8](https://www.newfront.com/workers-compensation "Worker's Compensation")

## 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 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. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Risk Retention and Claims Support

Newfront offers workers’ compensation structures ranging from guaranteed cost to retro-rated programs, large deductibles and alternative collateral, allowing a buyer to choose how much risk to retain. Liberty Mutual lists the line through brokers and agents but does not describe risk-retention options in its reviewed record. Newfront publishes a wider range of program structures; ask Liberty Mutual whether it can quote a comparable deductible or collateral arrangement. [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") [8](https://www.newfront.com/workers-compensation "Worker's Compensation")

### Safety and Claims Services

Newfront describes in-house occupational safety and claims teams, its Circle of Care program, and support with administrator selection, reserves and settlement decisions. Liberty Mutual’s reviewed record establishes the product listing but does not describe workers’ compensation safety or claims services. Compare which services are included in the account fee or policy and who will coordinate claims. [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") [8](https://www.newfront.com/workers-compensation "Worker's Compensation")

## What to Confirm in Workers’ Compensation Insurance Quotes

- What collateral, deductible and retro-rating terms can Newfront offer, and which claims services are included?
- Can Liberty Mutual quote alternative retention structures and what safety or claims team supports the policy?

## Offering Details

| Criteria | Workers Compensation | Newfront Workers' Compensation |
| --- | --- | --- |
| Role in This Line | Liberty Mutual lists workers compensation in its commercial catalogue and publishes policyholder resources for the line. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Workers Compensation. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services; it does not underwrite the policy itself. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Workers' compensation page Our Approach section..) |
| Issuing Insurer | Confirm in your quote. | The reviewed workers' compensation page does not name an issuing insurer; the carrier depends on the specific program placed for each client. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Who It’s For | Published resources direct policyholders to state-specific forms and provider lookup; these do not establish new-policy eligibility. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Workers Compensation. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Confirm in your quote. |
| Coverage Features | The company describes provider networks, pharmacy programs and state-specific resources for work-injury claims. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Workers Compensation. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Newfront offers guaranteed cost and retro (retrospectively rated) programs as well as large-deductible and alternative-collateral structures for workers' compensation, letting a client choose how much risk it retains versus transfers. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Optimized Risk Financing section..) |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish deductible or retention amounts for large-deductible or captive workers' compensation programs; specific structures are described as 'identified and implemented' per client rather than listed with figures. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: Optimized Risk Financing section, no schedule of amounts..) |
| Risk Services | Confirm in your quote. | Newfront describes an in-house Occupational Health & Safety team focused on loss control and OSHA compliance, a claims advocacy team of former adjusters, attorneys, nurses and claim managers, and its 'Circle of Care' program combining injury prevention, claims management, and recovery support. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Subject Matter Experts and Circle of Care sections..)<br><br>Newfront says clients get access to claims analytics, an online safety and HR learning management system, a safety/HR/wellness resource library, an OSHA recordkeeping and reporting tool, and an HR hotline. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Technology-Based Resources section..) |
| How to Apply | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | You engage Newfront for workers' compensation by requesting a consultation through the page; the practice is led by Frannie Epps with risk control led by Scott Rhymes, and no online quote or bind flow is described. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Page call-to-action and Leadership section..) |
| Claims Support | Confirm in your quote. | Newfront's claims advocates say they support clients through TPA (third-party administrator) and adjuster selection, reserve-increase guidance, and settlement-authority decisions throughout the life of a claim. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Claims Advocacy section..) |

## Full Comparison

- [Liberty Mutual vs Newfront](https://spot.insure/compare/liberty-mutual-vs-newfront): 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.
- [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 Fidelity Bonds](https://spot.insure/compare/liberty-mutual-vs-newfront/fidelity-bonds)
- [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)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation)
- [AIG vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-newfront/workers-compensation)
- [Alliance Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/workers-compensation)
- [Alliance Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/workers-compensation)
- [Amelia Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/workers-compensation)
- [Amelia Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/workers-compensation)

## 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. [Workers Compensation Resources](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/). Liberty Mutual Business Insurance; Customer resources section describes medical-provider networks, pharmacy program, online provider lookup, and state-specific claims forms/posting notices; service statements are company-reported and do not establish policy eligibility.. 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. [Worker's Compensation](https://www.newfront.com/workers-compensation). Newfront; Our Approach: Optimized Risk Financing, Claims Advocacy, Circle of Care, Data-Backed Insights; Subject Matter Experts; Technology-Based Resources; Head of Casualty Practice Frannie Epps; Director of Risk Control Services Scott Rhymes. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

9. [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.
10. [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.
11. [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.
12. [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.

## 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/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)