---
title: "TechInsurance vs THREE by Berkshire Hathaway: Inland Marine Insurance"
description: "TechInsurance adds inland marine to a BOP or commercial package for off-site property; THREE lists the line in its combined Business Owners Policy."
canonical: "https://spot.insure/compare/techinsurance-vs-three/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "techinsurance-vs-three"
provider-a: "techinsurance"
provider-b: "three"
coverage-line: "inland-marine"
---

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[Human-readable page](https://spot.insure/compare/techinsurance-vs-three/inland-marine)

## Agent Guide

**What this page is:** Focused comparison of TechInsurance and THREE by Berkshire Hathaway for Inland Marine 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 Inland Marine Insurance questions about TechInsurance 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:**
- TechInsurance vs THREE by Berkshire Hathaway for Inland Marine Insurance: how do they differ?
- Which is better for Inland Marine Insurance, TechInsurance or THREE by Berkshire Hathaway?
- What does TechInsurance or THREE by Berkshire Hathaway publish about Inland Marine Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Inland Marine Insurance from TechInsurance or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Inland Marine Insurance. Providers: TechInsurance 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:**
- [TechInsurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/techinsurance-vs-three) — parent: all coverage lines for this pair
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — coverage explainer for this line
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [TechInsurance vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/techinsurance-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [TechInsurance vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [TechInsurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [TechInsurance vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/techinsurance-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [TechInsurance vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [TechInsurance vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-techinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)

# TechInsurance vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?

TechInsurance adds inland marine to a BOP or commercial package for off-site property; THREE lists the line in its combined Business Owners Policy.

## Research Scope and Use

Use this comparison to evaluate TechInsurance and THREE by Berkshire Hathaway for Inland Marine 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

TechInsurance describes transit, off-site storage and bailee coverage and reports a $48 monthly median customer premium. THREE lists inland marine within its package without published price detail. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is TechInsurance?

TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [1](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [3](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](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 Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## Key Differences in Inland Marine Insurance

### Add-On to a Package or Package Category

TechInsurance describes inland marine as property coverage added to a BOP or commercial package policy, not sold as a standalone product. THREE lists inland marine within its combined Business Owners Policy. Buyers should compare the exact package documents and whether the line is a scheduled add-on or part of a broader section. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Property in Transit, Storage, and Care

TechInsurance names property in transit or off-site storage, customer property temporarily in the insured's care, equipment installed in a service truck and high-value items that standard property may exclude. It targets contractors, photographers, cleaners and IT professionals with those exposures. THREE's listing does not detail comparable property categories. Share a property schedule and ask THREE how each off-site item is treated. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Price Examples and Certificate Timing

TechInsurance reports a $48 monthly median for its inland-marine customers, with annual premiums ranging from about $150 to over $4,500 depending on property, limits, deductible and risk. It says a certificate is typically available within 24 hours after purchase. THREE's reviewed page offers quote and advisor support without published premium or certificate timing. Compare actual schedules and issuance times, not the historical median. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Inland Marine Insurance Quotes

- Ask TechInsurance for the premium tied to your scheduled property and whether it is attached to a BOP or commercial package; ask THREE for the package limit and deductible. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Confirm off-site storage, bailee property, transit, high-value items and certificate turnaround in the issued documents. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | TechInsurance Inland Marine Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | TechInsurance arranges inland marine insurance, also called tools and equipment insurance, as a form of property coverage sold as an add-on to another property policy such as a business owner's policy or commercial package policy, not as a standalone product. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") (Evidence: Company-reported; scope: Inland marine product page..) | THREE presents Inland Marine as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [7](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 | The reviewed page does not name the issuing insurer for an inland marine policy. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Inland marine product page as read on 2026-09-23..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](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 | TechInsurance targets inland marine coverage at businesses that ship property, transport high-value equipment, take tools to worksites, or store property off-site, naming construction contractors, photographers, cleaning services and IT professionals as example segments. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") (Evidence: Company-reported; scope: Inland marine product page, Who needs inland marine insurance coverage? section..) | The reviewed product page does not state separate eligibility rules for Inland Marine; the general quote and advisor route is not proof that a particular business qualifies for it. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 | TechInsurance says inland marine coverage protects business property in transit or off-site storage, client property temporarily in the business's care (bailee coverage), equipment installed in a fixed but movable location such as a service truck, and high-value items that standard commercial property policies may exclude. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") (Evidence: Company-reported; scope: Inland marine product page; general policy description, not a specific policy form..) | THREE's Business Owners Policy page lists Inland Marine 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Inland Marine. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | TechInsurance says its inland marine customers pay a median of $48 per month, with annual premiums ranging from about $150 to more than $4,500 depending on the value and type of insured property, coverage limits and deductible chosen, location, claims history and industry risk. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") (Evidence: Company-reported; scope: Inland marine product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table..) | The reviewed public product page does not state a separate limit or deductible for Inland Marine; THREE says the quote-specific insurance summary lists limits and deductibles. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | TechInsurance says you can add inland marine coverage to a business owner's policy or commercial package policy through its online application, and typically get a certificate of insurance within 24 hours after purchase. [4](https://www.techinsurance.com/inland-marine-insurance "Inland Marine Insurance – Compare Quotes") (Evidence: Company-reported; scope: Inland marine product page, How do you purchase inland marine insurance? section..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [5](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 Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [TechInsurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/techinsurance-vs-three): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold.
- [TechInsurance vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/techinsurance-vs-three/business-owners-policy)
- [TechInsurance vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-three/commercial-auto)
- [TechInsurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-three/commercial-property)
- [TechInsurance vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/techinsurance-vs-three/general-liability)
- [TechInsurance vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-three/professional-errors-omissions)
- [TechInsurance vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-three/workers-compensation)
- [AIG vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-techinsurance/inland-marine)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine)
- [Alliance Risk vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/inland-marine)
- [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine)

## Sources

### TechInsurance

1. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
2. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
3. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
4. [Inland Marine Insurance – Compare Quotes](https://www.techinsurance.com/inland-marine-insurance). TechInsurance; What is covered under inland marine insurance? (property in transit, client property in care, fixed-but-movable equipment, off-site storage, high-value items); How much does inland marine insurance cost?; What factors impact inland marine insurance rates?; How do you purchase inland marine insurance?. Accessed 2026-09-23.

### THREE by Berkshire Hathaway

5. [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.
6. [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.
7. [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.

### Inland Marine 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; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
9. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. 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.

## TechInsurance Reviews

Review Score: 9.1 / 10 from 2 rated sources, equally weighted.

TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.

- Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 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 TechInsurance](https://uk.trustpilot.com/review/techinsurance.com)
- ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/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/techinsurance-vs-three/inland-marine.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)