---
title: "Liberty Mutual vs THREE by Berkshire Hathaway: Cyber Insurance"
description: "THREE lists cyber within its small-business BOP with online quoting, while Liberty Mutual describes first- and third-party coverage through agents."
canonical: "https://spot.insure/compare/liberty-mutual-vs-three/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-three"
provider-a: "liberty-mutual"
provider-b: "three"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/liberty-mutual-vs-three/cyber)

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual and THREE by Berkshire Hathaway for Cyber 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 Cyber Insurance questions about Liberty Mutual 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:**
- Liberty Mutual vs THREE by Berkshire Hathaway for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Liberty Mutual or THREE by Berkshire Hathaway?
- What does Liberty Mutual or THREE by Berkshire Hathaway publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Liberty Mutual or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Cyber Insurance. Providers: Liberty Mutual 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:**
- [Liberty Mutual vs THREE by Berkshire Hathaway](https://spot.insure/compare/liberty-mutual-vs-three) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Liberty Mutual vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

THREE lists cyber within its small-business BOP with online quoting, while Liberty Mutual describes first- and third-party coverage through agents.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and THREE by Berkshire Hathaway for Cyber 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 presents Cyber Liability as part of its combined Business Owners Policy and directs small businesses to an online quote with advisor help; its product page does not state a separate cyber limit. Liberty Mutual lists Liberty Cyber Resolution with first- and third-party coverage and proactive mitigation. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber 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)

## 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 Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [7](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [8](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## Key Differences in Cyber Insurance

### BOP Component or Commercial Cyber Product

THREE lists Cyber Liability as a component of its combined Business Owners Policy and does not identify a standalone cyber form on the reviewed product page. Liberty Mutual lists Liberty Cyber Resolution as a commercial cyber product and describes first- and third-party protection. Ask whether your quote treats cyber as a BOP component or separate policy and how it coordinates with other coverages. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance")

### Online Quote and Advisor Help

THREE directs small-business buyers to an online quote and says licensed Small Business Advisors can assist. Liberty Mutual directs buyers to a broker or agent and does not establish an online application in the reviewed record. If speed or self-service matters, confirm with THREE what information it requires and with Liberty Mutual’s representative how the submission proceeds. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance")

### Limits and Issuing Insurer

THREE’s public product page does not state a separate cyber limit or deductible; its sample policy names Berkshire Hathaway Direct Insurance Company as issuer. Liberty Mutual describes the product but the reviewed record does not publish quote-specific limits or issuing entity. Request each quote’s declarations to compare cyber limits, deductibles, and the named insurer. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance")

## What to Confirm in Cyber Insurance Quotes

- Ask THREE whether cyber appears on your BOP quote, the separate limit and deductible, and whether the sample policy issuer matches your proposed policy. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Ask Liberty Mutual for its issuing company, policy form, and specific cyber and mitigation limits. [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance")
- Compare how each form treats breach response, business interruption, and third-party privacy claims. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance")

## Offering Details

| Criteria | Liberty Cyber Resolution | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Liberty Mutual lists Liberty Cyber Resolution as a commercial cyber 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 Cyber Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | THREE presents Cyber 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 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 Cyber Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | The reviewed product page does not state separate eligibility rules for Cyber; 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 product description says it includes first- and third-party cyber coverage and proactive risk mitigation. [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 Cyber Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | THREE's Business Owners Policy page lists Cyber Liability 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 Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Cyber; 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 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..) | 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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Liberty Mutual vs THREE by Berkshire Hathaway](https://spot.insure/compare/liberty-mutual-vs-three): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Liberty Mutual vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-three/equipment-breakdown)
- [Liberty Mutual vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/fiduciary)
- [Liberty Mutual vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/general-liability)
- [Liberty Mutual vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-three/inland-marine)
- [Liberty Mutual vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-three/workers-compensation)
- [AIG vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cyber)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber)
- [Alliance Risk vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cyber)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber)
- [Amelia Risk vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/cyber)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber)

## 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.

### 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.

### Cyber Insurance Guide

7. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
8. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. 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).

## 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/liberty-mutual-vs-three/cyber.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)