---
title: "Marsh McLennan Agency vs Travelers: Commercial Auto Insurance"
description: "Travelers underwrites a standalone auto policy and lists hired-auto and blanket additional-insured enhancements; Marsh McLennan Agency arranges the line without publishing specific terms."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "marsh-mclennan-agency-vs-travelers"
provider-a: "marsh-mclennan-agency"
provider-b: "travelers"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of Marsh McLennan Agency and Travelers for Commercial Auto 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 Commercial Auto Insurance questions about Marsh McLennan Agency versus Travelers. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Marsh McLennan Agency and Travelers.
- 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:**
- [Marsh McLennan Agency vs Travelers](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence)
- [Marsh McLennan Agency vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/crime) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Travelers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Travelers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Travelers Commercial Auto Insurance](https://spot.insure/compare/aon-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)

# Marsh McLennan Agency vs Travelers: How Do They Compare for Commercial Auto Insurance?

Travelers underwrites a standalone auto policy and lists hired-auto and blanket additional-insured enhancements; Marsh McLennan Agency arranges the line without publishing specific terms.

## Research Scope and Use

Use this comparison to evaluate Marsh McLennan Agency and Travelers for Commercial Auto 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

Travelers offers standalone commercial auto with physical-damage and liability coverages plus hired and non-owned auto options. Marsh McLennan Agency describes adviser-arranged commercial auto but does not list policy terms. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

## 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. [1](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [2](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 Travelers Insurance?

Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Commercial Auto Insurance

### Coverage Structure and Terms

Travelers describes a standalone auto policy with up to $1 million in bodily-injury and property-damage liability, plus lease-gap, hired-auto, and blanket additional-insured enhancements. MMA’s overview does not specify limits or endorsements. Fleets should compare required contract wording and employee vehicle use against the selected form. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

### Program and Buyer Fit

Travelers says customers can access more than 600 Risk Control consultants, a dedicated Claims team, and roadside assistance. MMA invites buyers to work with an adviser but does not detail auto claims or roadside services in its reviewed record. Ask how incident response works before choosing a placement. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask Travelers whether the $1 million advertised limit and each CoveragePlus option fit your contracts and fleet. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")
- Ask MMA to identify available HNOA, lease-gap, and claims services for the proposed policy. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")
- Ask both providers to identify the issuing insurer, valuation basis, exclusions, limits, and deductibles in writing. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance")

## Offering Details

| Criteria | Marsh McLennan Agency commercial auto (official overview) | Travelers Commercial Auto Insurance |
| --- | --- | --- |
| Role in This Line | Marsh McLennan Agency describes arranging commercial auto for the audience stated on the cited product page. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: commercial auto 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..) | Travelers underwrites commercial auto insurance as a standalone policy; it is not included in a Travelers Business Owner's Policy and must be purchased separately. [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Commercial auto product page..) |
| Who It’s For | Organizations seeking business insurance; the source says advisers analyze operations, assets, liabilities, and loss exposures. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: commercial auto 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..) | Travelers covers passenger vehicles, vans, light and heavy trucks, truck trailers, vehicle fleets and specialty vehicles, and offers industry-specific versions for the public sector, oil and gas, and trucking (through its Northland division). [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page FAQ and industry-specific coverage sections..) |
| Coverage Features | The cited product page describes commercial-auto insurance as one of the business coverage types the agency places; the overview does not state policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: commercial auto 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..) | Travelers says the policy covers liability for bodily injury and property damage, physical damage to owned, leased, hired or borrowed vehicles, collision, comprehensive, and damages caused by uninsured or underinsured drivers. [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "What does commercial auto insurance cover?" and "Protect your business on the road" sections; exclusions and state variation apply..)<br><br>Travelers offers optional Select Auto CoveragePlus enhancements, including auto lease gap coverage, employee hired auto coverage and blanket additional insured coverage, plus separate hired and non-owned auto coverage for rented or employee-owned vehicles used for work. [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "Additional coverage options" and "Hired and non-owned auto coverage" sections..) |
| 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.marshmma.com/us/services/business-insurance.html "Business 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..) | Travelers advertises liability coverage limits of up to $1 million for bodily injury and property damage to others; other limits and deductibles are not published and depend on the quote. [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "Protect your business on the road" section..) |
| Risk Services | Confirm in your quote. | Travelers says commercial auto customers can draw on more than 600 Risk Control consultants and a dedicated Claim team, plus Travelers Roadside Assistance Coverage. [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page Risk Control, Claim and Roadside Assistance sections..) |
| How to Apply | 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. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: commercial auto 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..) | You buy commercial auto insurance through a Travelers independent agent, who reviews business operations and vehicles to select coverage. [7](https://www.travelers.com/business-insurance/commercial-auto "Commercial Auto Insurance | Get A Quote | Travelers Insurance") (Evidence: Company-reported; scope: Product page "How do I purchase commercial auto insurance?" FAQ..) |

## Full Comparison

- [Marsh McLennan Agency vs Travelers](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [Marsh McLennan Agency vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cargo-transit)
- [Marsh McLennan Agency vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-property)
- [Marsh McLennan Agency vs Travelers Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/crime)
- [Marsh McLennan Agency vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/employment-practices)
- [Marsh McLennan Agency vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/fiduciary)
- [Marsh McLennan Agency vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/professional-errors-omissions)
- [AIG vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-auto)
- [AIG vs Travelers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-travelers/commercial-auto)
- [Alliance Risk vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-auto)
- [Alliance Risk vs Travelers Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-auto)
- [Aon vs Travelers Commercial Auto Insurance](https://spot.insure/compare/aon-vs-travelers/commercial-auto)
- [The Baldwin Group vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/commercial-auto)

## Sources

### Marsh McLennan Agency

1. [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.
2. [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.
3. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Business insurance coverage options; commercial auto is specifically listed among business insurance types.. Accessed 2026-09-30.

### Travelers

4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
5. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
7. [Commercial Auto Insurance | Get A Quote | Travelers Insurance](https://www.travelers.com/business-insurance/commercial-auto). Travelers; What is commercial auto insurance?; What does commercial auto insurance cover?; Protect your business on the road (liability, physical damage, collision, comprehensive); Additional coverage options (Select Auto CoveragePlus); commercial auto FAQ. Accessed 2026-09-23.

### Commercial Auto Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. 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.

## 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).

## Travelers Reviews

Review Score: 4.8 / 10 from 3 rated sources, equally weighted.

Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance)
- Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-auto.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)