--- title: "Liberty Mutual vs Risklytics: Tech E&O Insurance" description: "Risklytics reviews AI exclusions in Tech E&O forms and lists $1 million to $5 million typical limits; Liberty Mutual describes a blended cyber and Tech E&O product." canonical: "https://spot.insure/compare/liberty-mutual-vs-risklytics/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "liberty-mutual-vs-risklytics" provider-a: "liberty-mutual" provider-b: "risklytics" coverage-line: "technology-errors-omissions" --- 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/liberty-mutual-vs-risklytics/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Liberty Mutual and Risklytics for Tech E&O 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 Tech E&O Insurance questions about Liberty Mutual versus Risklytics. 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 Risklytics for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Liberty Mutual or Risklytics? - What does Liberty Mutual or Risklytics publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Tech E&O Insurance from Liberty Mutual or Risklytics? **Key facts:** - Line: Tech E&O Insurance. Providers: Liberty Mutual and Risklytics. - 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 Risklytics](https://spot.insure/compare/liberty-mutual-vs-risklytics) — parent: all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [Liberty Mutual vs Risklytics Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [At-Bay vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [At-Bay vs Risklytics Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) # Liberty Mutual vs Risklytics: How Do They Compare for Tech E&O Insurance? Risklytics reviews AI exclusions in Tech E&O forms and lists $1 million to $5 million typical limits; Liberty Mutual describes a blended cyber and Tech E&O product. ## Research Scope and Use Use this comparison to evaluate Liberty Mutual and Risklytics for Tech E&O 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 Risklytics says it reads policy forms for AI exclusions and identifies $1 million to $5 million as a typical Tech E&O limit request; Liberty Mutual describes combined cyber and E&O. [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") ## 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 Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/ "Insurance for Frontier Tech") [6](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [14](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [15](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies") ## Key Differences in Tech E&O Insurance ### Risklytics checks policy forms for AI exclusions Risklytics says it reads each form for AI exclusions before binding because some insurers exclude AI-related losses. Liberty Mutual describes Liberty Tech Resolution as a cyber and Tech E&O product but its reviewed claim does not address AI exclusions. If your model drives customer decisions, ask Risklytics which exclusions it found and ask Liberty Mutual's broker for the exact AI wording. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ### Risklytics publishes a typical limit request Risklytics lists $1 million to $5 million per claim as a typical Tech E&O ask. Liberty Mutual's product summary establishes that the blended line exists but leaves available limits to the quote. Compare the limits with procurement requirements and customer contracts, not just the product name. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ### The application paths differ Risklytics offers an online application and says a licensed producer stays on the file until binding, with no broker fee added to premium. Liberty Mutual directs technology buyers to a broker or agent. Ask Risklytics how its producer compensation works on your quote and ask the Liberty Mutual broker to explain their fee and commission arrangement. [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ## What to Confirm in Tech E&O Insurance Quotes - Ask Risklytics for the issuing carrier, AI exclusions, per-claim limit, and any producer compensation beyond the premium. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") - Ask Liberty Mutual's broker which limits and AI terms apply and how the broker is compensated. [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") ## Offering Details | Criteria | Liberty Tech Resolution | Risklytics Professional Liability (Tech E&O) Insurance | | --- | --- | --- | | Role in This Line | Liberty Mutual lists Liberty Tech Resolution as a cyber and technology errors-and-omissions product. [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) | | Issuing Insurer | Confirm in your quote. | Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) | | Who It’s For | The commercial cyber page directs business buyers to a broker or agent. [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Risklytics says enterprise customers usually require this coverage in procurement before signing a first customer contract, and that it becomes relevant once a customer relies on a model's output. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) | | Coverage Features | The company describes a blended cyber and Tech E&O solution for technology-company exposures. [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | | Limits and Retentions | Confirm in your quote. | Risklytics lists a typical ask of $1 million to $5 million per claim for this line. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) | | Risk Services | Confirm in your quote. | Risklytics calls Tech E&O the hardest line to get right because some insurers are quietly excluding AI-related losses, and says it reads every policy form for AI exclusions before it binds. [7](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) Insurance") (Evidence: Company-reported; scope: Lines page..) | | 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. [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (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 start Risklytics Professional Liability (Tech E&O) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) | ## Full Comparison - [Liberty Mutual vs Risklytics](https://spot.insure/compare/liberty-mutual-vs-risklytics): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Liberty Mutual vs Risklytics Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/cyber) - [Liberty Mutual vs Risklytics General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/general-liability) - [Liberty Mutual vs Risklytics Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/inland-marine) - [Liberty Mutual vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/umbrella-excess) - [Liberty Mutual vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/workers-compensation) - [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions) - [Alliance Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/technology-errors-omissions) - [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions) - [Amelia Risk vs Risklytics Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/technology-errors-omissions) - [At-Bay vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-liberty-mutual/technology-errors-omissions) - [At-Bay vs Risklytics Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-risklytics/technology-errors-omissions) ## 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. [Cyber Insurance](https://business.libertymutual.com/commercial-solutions/cyber-insurance/). Liberty Mutual Business Insurance; Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services.. Accessed 2026-09-29. ### Risklytics 4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 5. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 6. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 7. [Professional Liability (Tech E&O) Insurance](https://www.risklytics.ai/lines/professional/). Risklytics; Coverage line: Professional Liability (Tech E&O); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 8. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. ### Tech E&O Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16. 10. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16. 11. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16. 12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16. 13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16. 14. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16. 15. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. 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). ## Risklytics Reviews Review Score: not enough ratings. Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/liberty-mutual-vs-risklytics/technology-errors-omissions.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)