---
title: "Lockton vs Marsh McLennan Agency: Cargo and Transit Insurance"
description: "Lockton lists warehouse liability, perishable-goods deterioration, and war or terrorism placements; Marsh McLennan Agency lists stock-throughput, inland, truck, and ocean cargo options."
canonical: "https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "lockton-vs-marsh-mclennan-agency"
provider-a: "lockton"
provider-b: "marsh-mclennan-agency"
coverage-line: "cargo-transit"
---

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-marsh-mclennan-agency/cargo-transit)

## Agent Guide

**What this page is:** Focused comparison of Lockton and Marsh McLennan Agency for Cargo and Transit 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 Cargo and Transit Insurance questions about Lockton versus Marsh McLennan Agency. 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 Marsh McLennan Agency for Cargo and Transit Insurance: how do they differ?
- Which is better for Cargo and Transit Insurance, Lockton or Marsh McLennan Agency?
- What does Lockton or Marsh McLennan Agency publish about Cargo and Transit Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cargo and Transit Insurance from Lockton or Marsh McLennan Agency?

**Key facts:**
- Line: Cargo and Transit Insurance. Providers: Lockton and Marsh McLennan Agency.
- 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 Marsh McLennan Agency](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Cargo and Transit Insurance guide](https://spot.insure/coverage/cargo-transit) — coverage explainer for this line
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Lockton vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)

# Lockton vs Marsh McLennan Agency: How Do They Compare for Cargo and Transit Insurance?

Lockton lists warehouse liability, perishable-goods deterioration, and war or terrorism placements; Marsh McLennan Agency lists stock-throughput, inland, truck, and ocean cargo options.

## Research Scope and Use

Use this comparison to evaluate Lockton and Marsh McLennan Agency for Cargo and Transit 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 lists cargo transit, motor-truck cargo, warehouseman’s liability, stock-throughput, perishable-goods deterioration, and war, strikes, and terrorism risks. Marsh McLennan Agency lists stock-throughput, inland, truck, and ocean marine placements. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA")

## 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)

## What Is Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [6](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [7](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.trade.gov/shipping-options "Shipping Options") [11](https://www.trade.gov/special-documents "Special Documents") [12](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage")

## Key Differences in Cargo and Transit Insurance

### What the Coverage Follows

Lockton’s Cargo & Logistics team lists warehouseman’s legal liability and deterioration of perishable goods alongside cargo in transit and motor-truck cargo. MMA lists stock-throughput, inland transit, motor-truck cargo, and ocean marine, but its reviewed overview does not itemize warehouse liability or spoilage. A warehouse or food distributor should distinguish its liability for customers’ goods from first-party spoilage losses and request the relevant policy forms from each broker. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA")

### Program and Buyer Fit

Lockton also lists war, strikes, and terrorism risk as coverage areas it can help place, while MMA does not enumerate those extensions in its overview. This is a capability list, not proof those risks are included in a quote; businesses shipping through exposed routes should identify the relevant territory and ask which exclusions can be amended. MMA’s adviser can likewise confirm which options are available for the chosen insurer and route. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA")

## What to Confirm in Cargo and Transit Insurance Quotes

- Ask Lockton which carrier and endorsement can address temperature-related deterioration and warehouse legal liability.
- Ask MMA whether the quoted form offers war, strikes, or terrorism extensions for the planned shipping lanes.
- Ask each provider to identify the carrier, reporting process, and shipment stages insured by the proposed form. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA")

## Offering Details

| Criteria | Lockton Cargo & Logistics Insurance Brokerage | Marsh McLennan Agency cargo transit (official overview) |
| --- | --- | --- |
| Role in This Line | Lockton's Cargo & Logistics team places marine and cargo coverage for companies that ship goods; it sits alongside auto, general/product liability, umbrella and workers' compensation under Lockton's broader Casualty Insurance Solutions. Lockton is the broker arranging this coverage, not the insurer. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Company-reported; scope: Cargo & Logistics and Casualty product pages, U.S. site, as read 2026-09-23..) | Marsh McLennan Agency describes arranging cargo transit for the audience stated on the cited product page. [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA") (Evidence: Company-reported; scope: cargo transit marketed by marsh-mclennan-agency; 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 | Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Cargo & Logistics and Casualty pages checked 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | Businesses storing or transporting goods; source discusses domestic and international supply chains. [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA") (Evidence: Company-reported; scope: cargo transit marketed by marsh-mclennan-agency; 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 cargo and marine coverage areas it can help place, including cargo in transit, motor truck cargo, warehouseman's legal liability, stock throughput, deterioration of perishable goods, and war, strikes and terrorism risk. This is a capability list, not a specimen policy; actual terms depend on the placing insurer. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") (Evidence: Company-reported; scope: Cargo & Logistics product page as read 2026-09-23. Not a summary of any one policy form..) | The cited product page describes cargo stock-throughput, inland transit, motor-truck cargo, and ocean marine options for goods in storage or transit. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA") (Evidence: Company-reported; scope: cargo transit marketed by marsh-mclennan-agency; 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. [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| How to Apply | Public engagement starts as an inquiry: the Cargo & Logistics page routes buyers to a contact form rather than a self-serve quote or bind flow. [4](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") (Evidence: Company-reported; scope: Cargo & Logistics page as read 2026-09-23. No online quote tool was found for this line..) | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [8](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html "Cargo Insurance | MMA") (Evidence: Company-reported; scope: cargo transit marketed by marsh-mclennan-agency; 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 Marsh McLennan Agency](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims.
- [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo coverage protects your financial interest in goods during transit; ownership, route, storage and late-delivery terms shape what the policy addresses.
- [Lockton vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/commercial-property)
- [Lockton vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/crime)
- [Lockton vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/cyber)
- [Lockton vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/employment-practices)
- [Lockton vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/fiduciary)
- [Lockton vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/general-liability)
- [AIG vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-lockton/cargo-transit)
- [AIG vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/cargo-transit)
- [Alliance Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cargo-transit)
- [Alliance Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cargo-transit)
- [Amelia Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cargo-transit)
- [Amelia Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cargo-transit)

## 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. [Cargo & Logistics](https://global.lockton.com/us/en/products-services/cargo-logistics). Lockton; Risk management challenges intro; Wide array of experience: list of marine and cargo coverage areas (guaranteed outturn, bailees liability, motor truck cargo, carrier's legal liability, stock throughput, war and strikes risk, and more). Accessed 2026-09-23.
5. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.

### Marsh McLennan Agency

6. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
7. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
8. [Cargo Insurance | MMA](https://www.marshmma.com/us/solutions/cargo-theft-prevention.html). Marsh McLennan Agency; Cargo insurance coverage; cargo stock throughput, inland transit, motor truck cargo, and ocean marine sections.. Accessed 2026-09-30.

### Cargo and Transit Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
10. [Shipping Options](https://www.trade.gov/shipping-options). International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
11. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
12. [Motor Truck Cargo Legal Liability Coverage](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf). American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. 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).

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/cargo-transit.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)