---
title: "Markel Insurance vs Marsh: Workers’ Compensation Insurance"
description: "Marsh McLennan Agency describes advisor-led workers’ compensation placement with risk consulting and analytics; Markel presents an underwriting path for small-business classes subject to state review."
canonical: "https://spot.insure/compare/markel-vs-marsh/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "markel-vs-marsh"
provider-a: "markel"
provider-b: "marsh"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Markel Insurance and Marsh.
- 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:**
- [Markel Insurance vs Marsh](https://spot.insure/compare/markel-vs-marsh) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence)
- [Markel Insurance vs Marsh Builders Risk Insurance](https://spot.insure/compare/markel-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Commercial Property Insurance](https://spot.insure/compare/markel-vs-marsh/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Crime Insurance](https://spot.insure/compare/markel-vs-marsh/crime) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Cyber Insurance](https://spot.insure/compare/markel-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh D&O Insurance](https://spot.insure/compare/markel-vs-marsh/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-marsh/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/markel-vs-marsh/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-marsh/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Management Liability Insurance](https://spot.insure/compare/markel-vs-marsh/management-liability) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Media Liability Insurance](https://spot.insure/compare/markel-vs-marsh/media) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-marsh/professional-errors-omissions) — 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)
- [AIG vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh/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)
- [Alliance Risk vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/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)
- [Amelia Risk vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/workers-compensation) — sibling comparison (other line, or other pair for this line)

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

Marsh McLennan Agency describes advisor-led workers’ compensation placement with risk consulting and analytics; Markel presents an underwriting path for small-business classes subject to state review.

## Research Scope and Use

Use this comparison to evaluate Markel Insurance and Marsh 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

Marsh McLennan Agency says workers’ compensation is part of its casualty practice and names risk consulting, claims management, and analytics. Markel describes its small-business offer with class and state eligibility review. <OfferingCite provider="markel" id="markel-official-product" /> <OfferingCite provider="marsh" id="mma-casualty" /> [3](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

## 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. [1](https://www.markel.com/about-us "About us") [2](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 Marsh?

Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. [4](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [5](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [6](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [7](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

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

## What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Advisor or Underwriter

Marsh places workers’ compensation through its broader casualty practice and says buyers work directly with a casualty specialist. Markel describes offering coverage through its underwriting contact route. The buyer should confirm who markets the risk, who underwrites it, and which insurer appears on the binder. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") [3](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

### Risk and Claims Services

Marsh says its casualty practice applies risk consulting, claims management using data analytics, and risk analytics to workers’ compensation. Markel’s overview does not detail those services. Ask whether advisory services are part of the placement or separately scoped and who supports claims. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") [3](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

### Coverage Scope

Marsh describes medical expenses, lost wages, and other costs following an on-the-job injury or death. Markel describes workplace injury and illness protection subject to the policy and state requirements. The descriptions are broad; compare benefits, employer-liability terms, and exclusions on the proposed forms. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") [3](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Marsh which insurer and service team will handle the account and claims, and ask for the specific benefit and exclusion schedule. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")
- Ask Markel to confirm class and state availability, carrier identity, and policy-level benefit terms. [3](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

## Offering Details

| Criteria | Markel workers compensation (official overview) | Marsh McLennan Agency Workers' Compensation Insurance |
| --- | --- | --- |
| Role in This Line | Markel describes offering workers compensation for the audience stated on the cited product page. [3](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..) | Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page, Workers' Compensation subsection..) |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific workers' compensation insurer. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Not publicly disclosed; scope: MMA casualty insurance page as read on 2026-09-23..) |
| Who It’s For | Small-business classes addressed by Markel's workers-compensation page; exact business eligibility and state availability are not universal. [3](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..) | Confirm in your quote. |
| Coverage Features | 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. [3](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..) | MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page; brief, general description rather than a specific policy form..) |
| Limits and Retentions | 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. [3](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..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | MMA lists risk consulting, claims management using data analytics, and risk analytics as services it applies across its casualty program, which includes workers' compensation. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation..) |
| How to Apply | 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. [3](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..) | You work with an MMA casualty specialist directly; the page names an account manager contact and describes advisor-led placement rather than an online quote. [8](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page..) |

## Full Comparison

- [Markel Insurance vs Marsh](https://spot.insure/compare/markel-vs-marsh): 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.
- [Markel Insurance vs Marsh Builders Risk Insurance](https://spot.insure/compare/markel-vs-marsh/builders-risk)
- [Markel Insurance vs Marsh Commercial Property Insurance](https://spot.insure/compare/markel-vs-marsh/commercial-property)
- [Markel Insurance vs Marsh Crime Insurance](https://spot.insure/compare/markel-vs-marsh/crime)
- [Markel Insurance vs Marsh Cyber Insurance](https://spot.insure/compare/markel-vs-marsh/cyber)
- [Markel Insurance vs Marsh D&O Insurance](https://spot.insure/compare/markel-vs-marsh/directors-officers)
- [Markel Insurance vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-marsh/employment-practices)
- [Markel Insurance vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/markel-vs-marsh/equipment-breakdown)
- [Markel Insurance vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-marsh/fiduciary)
- [Markel Insurance vs Marsh Management Liability Insurance](https://spot.insure/compare/markel-vs-marsh/management-liability)
- [Markel Insurance vs Marsh Media Liability Insurance](https://spot.insure/compare/markel-vs-marsh/media)
- [Markel Insurance vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-marsh/professional-errors-omissions)
- [AIG vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-markel/workers-compensation)
- [AIG vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh/workers-compensation)
- [Alliance Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-markel/workers-compensation)
- [Alliance Risk vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/workers-compensation)
- [Amelia Risk vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-markel/workers-compensation)
- [Amelia Risk vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/workers-compensation)

## Sources

### Markel Insurance

1. [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.
2. [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.
3. [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.

### Marsh

4. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
5. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
6. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
7. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
8. [Comprehensive Casualty Cover](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty Coverage section: Risk Consulting, Claims Management, Risk Analytics, Workers' Compensation subsection (coverage for medical expenses, lost wages, and more in the event of an on-the-job injury or death). Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
12. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## 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).

## Marsh Reviews

Review Score: 5.8 / 10 from 2 rated sources, equally weighted.

Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.

- Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com)
- Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong)

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

## Agent and Developer Resources

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