---
title: "Simply Business vs THREE by Berkshire Hathaway: Cyber Insurance"
description: "THREE by Berkshire Hathaway lists Cyber Liability within its combined Business Owners Policy; Simply Business describes cyber as an add-on available to select buyers of another business policy."
canonical: "https://spot.insure/compare/simply-business-vs-three/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "simply-business-vs-three"
provider-a: "simply-business"
provider-b: "three"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Simply Business and THREE by Berkshire Hathaway for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Simply Business versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Simply Business vs THREE by Berkshire Hathaway for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Simply Business or THREE by Berkshire Hathaway?
- What does Simply Business or THREE by Berkshire Hathaway publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Simply Business or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Cyber Insurance. Providers: Simply Business and THREE by Berkshire Hathaway.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Simply Business vs THREE by Berkshire Hathaway](https://spot.insure/compare/simply-business-vs-three) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Simply Business vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/simply-business-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/simply-business-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Simply Business vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line)

# Simply Business vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

THREE by Berkshire Hathaway lists Cyber Liability within its combined Business Owners Policy; Simply Business describes cyber as an add-on available to select buyers of another business policy.

## How to Use the Simply Business vs THREE by Berkshire Hathaway Cyber Insurance Comparison

Use this comparison to evaluate Simply Business and THREE by Berkshire Hathaway for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Simply Business vs THREE by Berkshire Hathaway Cyber Insurance Summary

THREE by Berkshire Hathaway lists Cyber Liability within its combined Business Owners Policy; Simply Business describes cyber as an add-on available to select buyers of another business policy. [3](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [1](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## THREE small business insurance: coverage, issuer and buying routes

THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

[THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three)

## What Is Cyber Insurance?

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

## What Are the Key Differences Between Simply Business and THREE by Berkshire Hathaway Cyber Insurance?

### Cyber Within a Combined Policy

THREE by Berkshire Hathaway presents Cyber Liability as one category in its Business Owners Policy rather than as a separately identified standalone product. Simply Business describes cyber as an added coverage for select buyers already purchasing another business policy. Ask each provider to show whether cyber appears on your quote’s coverage summary and whether it is an included grant or an optional endorsement. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### Limit Details

THREE by Berkshire Hathaway says the quote-specific insurance summary lists limits and deductibles, but its public product page gives no separate cyber amount. Simply Business’s reviewed cyber overview also gives no limit schedule. Request the cyber limit, deductible, any sublimits and whether cyber shares aggregate limits with other parts of the package. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### Issuer and Policy Conditions

The THREE by Berkshire Hathaway sample declarations identify Berkshire Hathaway Direct Insurance Company as issuer, while Simply Business says the carrier and bindability depend on panel-member approval. Confirm the issuer on the actual declarations rather than assuming the sample issuer applies to every quote. Ask both to confirm eligibility and covered first- and third-party costs in writing. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## What Should You Confirm in Simply Business and THREE by Berkshire Hathaway Cyber Insurance Quotes?

- Ask THREE to show the cyber line on the quote summary, state its limit and deductible, and confirm whether it shares aggregate limits with other BOP coverages. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Ask Simply Business which panel carrier approved the cyber add-on; verify the issuer shown in THREE by Berkshire Hathaway’s sample policy against the actual declarations, and confirm each quote’s binding status. [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Simply Business vs THREE by Berkshire Hathaway Cyber Compared

| Criteria | Cyber liability coverage as an add-on through Simply Business | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | THREE presents Cyber as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) |
| Issuing Insurer | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy..) |
| Who It’s For | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. [3](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | The reviewed product page does not state separate eligibility rules for Cyber; the general quote and advisor route is not proof that a particular business qualifies for it. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) |
| Coverage Features | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. [3](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | THREE's Business Owners Policy page lists Cyber Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Cyber; THREE says the quote-specific insurance summary lists limits and deductibles. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) |
| How to Apply | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. [3](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Related Pages for Simply Business vs THREE by Berkshire Hathaway Cyber

- [Simply Business vs THREE by Berkshire Hathaway](https://spot.insure/compare/simply-business-vs-three): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Simply Business vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/simply-business-vs-three/business-owners-policy)
- [Simply Business vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-three/commercial-property)
- [Simply Business vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/simply-business-vs-three/general-liability)
- [Simply Business vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-three/inland-marine)
- [Simply Business vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-three/professional-errors-omissions)
- [Simply Business vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-three/workers-compensation)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber)

## Sources for Simply Business vs THREE by Berkshire Hathaway

### Sources About Simply Business

1. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
2. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29.
3. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/). Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395.. Accessed 2026-09-29.

### Sources About THREE by Berkshire Hathaway

4. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30.
5. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30.
6. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30.

### Sources for the Cyber Insurance Guide

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

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

## Simply Business Review Scores for 2026

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

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

## THREE by Berkshire Hathaway Review Scores for 2026

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/simply-business-vs-three/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)