---
title: "Lockton vs Markel Insurance: Workers’ Compensation Insurance"
description: "Lockton describes access to more than 100 workers’ compensation markets, actuarial and safety support, and specialty programs such as captives and maritime; Markel’s overview targets small-business classes."
canonical: "https://spot.insure/compare/lockton-vs-markel/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "lockton-vs-markel"
provider-a: "lockton"
provider-b: "markel"
coverage-line: "workers-compensation"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/lockton-vs-markel/workers-compensation)

## Agent Guide

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

**Questions this page answers:**
- Lockton vs Markel Insurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Lockton or Markel Insurance?
- What does Lockton or Markel Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Lockton or Markel Insurance?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Lockton and Markel Insurance.
- 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:**
- [Lockton vs Markel Insurance](https://spot.insure/compare/lockton-vs-markel) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Lockton vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-markel/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Crime Insurance](https://spot.insure/compare/lockton-vs-markel/crime) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance D&O Insurance](https://spot.insure/compare/lockton-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance General Liability Insurance](https://spot.insure/compare/lockton-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/lockton-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line)

# Lockton vs Markel Insurance: How Do They Compare for Workers’ Compensation Insurance?

Lockton describes access to more than 100 workers’ compensation markets, actuarial and safety support, and specialty programs such as captives and maritime; Markel’s overview targets small-business classes.

## Research Scope and Use

Use this comparison to evaluate Lockton and Markel Insurance 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

Lockton describes more than 100 markets and specialty programs including captive consulting, maritime, trucking, and qualified self-insurance. Markel describes small-business coverage subject to state and class review. <OfferingCite provider="lockton" id="workers-comp" /> <OfferingCite provider="markel" id="markel-official-product" /> [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [5](https://www.markel.com/about-us "About us") [6](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

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

## Key Differences in Workers’ Compensation Insurance

### Market Access and Program Design

Lockton says it provides access to more than 100 regional, global, and program markets and offers captives, Texas non-subscription consulting, maritime programs, trucking occupational accident, and self-insurance support. Markel’s page describes small-business classes rather than a multi-market advisory practice. Complex or specialty risks should ask which structures each can provide. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

### Safety and Claims Resources

Lockton lists actuaries, claims advisors, safety specialists, OSHA consulting, loss forecasting, and claims advocates. Markel’s overview describes the coverage and underwriting contact but does not itemize comparable advisory resources. Ask what safety and claims services are included and who delivers them. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

### Small-Business Eligibility

Markel specifically describes small-business classes, though state availability and exact eligibility vary. Lockton discusses programs and markets for varied exposures without a specific small-business threshold in the cited claim. Confirm account size, class codes, and state appetite before comparing the program options. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Lockton which of its specialty structures and service teams apply to your workforce and whether market access includes your states. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Ask Markel to confirm class and state eligibility, quoted insurer, and whether any safety or claims support accompanies the policy. [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

## Offering Details

| Criteria | Lockton Workers' Compensation Insurance Brokerage | Markel workers compensation (official overview) |
| --- | --- | --- |
| Role in This Line | Lockton's workers' compensation team designs programs and analyzes their effectiveness through what it calls a strategic claims mitigation process; the team includes actuaries, claims advisors and safety specialists working alongside brokers. Lockton is the broker, not the insurer of record. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..) | Markel describes offering workers compensation for the audience stated on the cited product page. [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | The page does not name the workers' compensation insurers or programs Lockton places coverage with for a given client, beyond describing access to '100+ markets' in general terms. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: Workers' Compensation page checked 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | Small-business classes addressed by Markel's workers-compensation page; exact business eligibility and state availability are not universal. [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Coverage Features | Lockton lists specialty workers' compensation capabilities: alternative risk expertise including captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime and offshore exposures, trucking solutions including occupational accident programs, and qualified self-insurance consulting, implementation, administration, design and placement. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy..) | The cited product page describes workers' compensation insurance for workplace injury and illness exposures, subject to the applicable policy and state requirements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| Risk Services | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..)<br><br>Lockton says it offers a full suite of safety services designed to reduce loss costs, OSHA consulting, loss forecasting and probability analysis, and claims service advocates to help ensure coverage and reduce retained loss costs. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Full Comparison

- [Lockton vs Markel Insurance](https://spot.insure/compare/lockton-vs-markel): 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.
- [Lockton vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-markel/cargo-transit)
- [Lockton vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-markel/commercial-property)
- [Lockton vs Markel Insurance Crime Insurance](https://spot.insure/compare/lockton-vs-markel/crime)
- [Lockton vs Markel Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-markel/cyber)
- [Lockton vs Markel Insurance D&O Insurance](https://spot.insure/compare/lockton-vs-markel/directors-officers)
- [Lockton vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-markel/employment-practices)
- [Lockton vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-markel/fiduciary)
- [Lockton vs Markel Insurance General Liability Insurance](https://spot.insure/compare/lockton-vs-markel/general-liability)
- [Lockton vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/lockton-vs-markel/product-liability)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation)
- [AIG vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-markel/workers-compensation)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Alliance Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-markel/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-markel/workers-compensation)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
3. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
4. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Empower your workforce to achieve your company goals; Access to a multitude of experts; list of workers' compensation expert services (100+ markets, InfoLock benchmarking, alternative risk/captive consulting, Texas non-subscription, Jones Act/OCS/USL&H, trucking occupational accident programs, self-insurance consulting, safety services, OSHA consulting, claims service advocates). Accessed 2026-09-23.

### Markel Insurance

5. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
6. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
7. [Workers Compensation Insurance](https://www.markel.com/us/commercial/small-business/workers-compensation). Markel; Workers compensation product overview; coverage and services sections.. Accessed 2026-09-30.

### Workers’ Compensation Insurance Guide

8. [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.
9. [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.
10. [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.
11. [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.

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

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

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-markel/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)