--- title: "StartupInsurance.ai vs THREE by Berkshire Hathaway: General Liability Insurance" description: "StartupInsurance.ai reviews GL forms and customer contracts for AI exclusions; THREE lists general liability in its combined Business Owners Policy." canonical: "https://spot.insure/compare/startupinsurance-vs-three/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "startupinsurance-vs-three" provider-a: "startupinsurance" provider-b: "three" coverage-line: "general-liability" --- 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/startupinsurance-vs-three/general-liability) ## Agent Guide **What this page is:** Focused comparison of StartupInsurance.ai and THREE by Berkshire Hathaway for General Liability 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 General Liability Insurance questions about StartupInsurance.ai 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:** - StartupInsurance.ai vs THREE by Berkshire Hathaway for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, StartupInsurance.ai or THREE by Berkshire Hathaway? - What does StartupInsurance.ai or THREE by Berkshire Hathaway publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from StartupInsurance.ai or THREE by Berkshire Hathaway? **Key facts:** - Line: General Liability Insurance. Providers: StartupInsurance.ai 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:** - [StartupInsurance.ai vs THREE by Berkshire Hathaway](https://spot.insure/compare/startupinsurance-vs-three) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/startupinsurance-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/startupinsurance-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) # StartupInsurance.ai vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance? StartupInsurance.ai reviews GL forms and customer contracts for AI exclusions; THREE lists general liability in its combined Business Owners Policy. ## Research Scope and Use Use this comparison to evaluate StartupInsurance.ai and THREE by Berkshire Hathaway for General Liability 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 StartupInsurance.ai offers a 48-hour policy review and highlights AI exclusions in GL forms and contract requirements. THREE lists general liability within its combined package. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What Is StartupInsurance.ai? StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [1](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) ## 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. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](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 General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [9](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### Form Review and AI Exclusions StartupInsurance.ai says standard general-liability forms picked up three AI-related exclusions in January 2026 and offers a free policy check that compares existing forms with customer-contract requirements within 48 hours. THREE lists general liability in its package but its reviewed material does not describe a comparable form review. If exclusions affect a contract, ask StartupInsurance.ai to identify the forms involved and ask THREE for its actual endorsements. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Certificate Wording StartupInsurance.ai highlights certificates naming a customer or landlord as additional insured, primary and non-contributory, with waiver of subrogation language. THREE's cited description names the GL category but does not specify certificate provisions. Submit the contract and request confirmation that the quoted form and endorsements can meet each certificate requirement. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Coverage Selection StartupInsurance.ai lists GL as one of seven online intake options and describes bodily injury, property damage and advertising injury. THREE presents GL as part of its combined policy and offers an online quote with licensed advisor support. Compare the requested coverage against the package's declarations and identify any standalone endorsements needed. [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What to Confirm in General Liability Insurance Quotes - Ask each route for AI-related exclusions, additional-insured wording, primary/non-contributory terms and waiver language. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Request the GL form, all endorsements, limits and certificate process before binding. [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## Offering Details | Criteria | StartupInsurance.ai General Liability (GL) | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | StartupInsurance.ai lists general liability among the lines its startup program places. The brokerage is ContractorNerd Insurance Services, LLC, which its own terms describe as an insurance agency/producer that arranges coverage and does not underwrite policies itself. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and ContractorNerd's terms and conditions; describes the brokerage's role generally and names general liability as one of the placed lines, not a specific policy's terms..) | THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [8](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 | StartupInsurance.ai's carrier panel names six insurers (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA), with ratings shown for three of them, but the reviewed pages do not say which panel carrier issues a given company's general liability policy. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel; the panel is program-wide and not broken out by coverage line, so the specific insurer for a general liability placement is not disclosed and varies by placement..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [7](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 | StartupInsurance.ai frames its "what cleared means" pitch around certificates of insurance naming a customer or landlord as additional insured, primary and non-contributory, with a waiver of subrogation — requirements that typically apply to general liability policies. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative section aimed at founders who need a certificate to satisfy a landlord or customer contract; does not state formal underwriting eligibility criteria (industry, revenue, headcount) for general liability..) | The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | StartupInsurance.ai says that in January 2026 the standard general liability forms industry-wide picked up three new AI-related exclusions, and illustrates its policy-check service with an example flagging exclusion form CG 40 42. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Wording that still says yes" section; describes an industry-wide forms change the brokerage says it checks for, not the terms of any specific StartupInsurance.ai-placed policy..) | THREE's Business Owners Policy page lists General 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | | Limits and Retentions | The reviewed pages do not publish sample general liability limits, sublimits or retentions; StartupInsurance.ai's public marketing pages do not show program-level numbers for this line. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote..) | The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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..) | | Risk Services | StartupInsurance.ai offers a free policy check: send in your current policies and a customer contract, and within 48 hours you get a one-page summary of AI exclusions in your program and where your contract asks for something the policy doesn't give. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer, not a guarantee of findings for any particular general liability policy..) | Confirm in your quote. | | How to Apply | General Liability (GL) is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "bodily injury, property damage, and advertising injury." [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show what follow-up underwriting questions or documentation the flow requires..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [6](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 General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Full Comparison - [StartupInsurance.ai vs THREE by Berkshire Hathaway](https://spot.insure/compare/startupinsurance-vs-three): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-auto) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-property) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/startupinsurance-vs-three/fiduciary) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/startupinsurance-vs-three/inland-marine) - [AIG vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/general-liability) - [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) - [Alliance Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/general-liability) - [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) - [Amelia Risk vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/general-liability) - [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability) ## Sources ### StartupInsurance.ai 1. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 2. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; What “cleared” means (I. Paper your customer already accepts); Wording that still says yes (AI exclusion audit graphic, Exclusion detected CG 40 42); Coverage: What we place; The free policy check. Accessed 2026-09-23. 3. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: General Liability (GL) — “Covers bodily injury, property damage, and advertising injury”. Accessed 2026-09-23. 4. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23. 5. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16. ### THREE by Berkshire Hathaway 6. [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. 7. [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. 8. [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. ### General Liability Insurance Guide 9. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 11. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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. ## StartupInsurance.ai Reviews Review Score: not enough ratings. StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/startupinsurance/reviews). ## THREE by Berkshire Hathaway Reviews 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/startupinsurance-vs-three/general-liability.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)