--- title: "TechInsurance vs Zurich U.S.: Workers’ Compensation Insurance" description: "TechInsurance lists employer-liability and death benefits and state-specific mandate exceptions; Zurich describes eligible medical and wage benefits." canonical: "https://spot.insure/compare/techinsurance-vs-zurich/workers-compensation" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "techinsurance-vs-zurich" provider-a: "techinsurance" provider-b: "zurich" coverage-line: "workers-compensation" --- 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/techinsurance-vs-zurich/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of TechInsurance and Zurich U.S. for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about TechInsurance versus Zurich U.S.. 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 Zurich U.S. for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, TechInsurance or Zurich U.S.? - What does TechInsurance or Zurich U.S. publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from TechInsurance or Zurich U.S.? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: TechInsurance and Zurich U.S.. - 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 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [TechInsurance vs Zurich U.S.](https://spot.insure/compare/techinsurance-vs-zurich) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [TechInsurance vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/techinsurance-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. D&O Insurance](https://spot.insure/compare/techinsurance-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/techinsurance-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/techinsurance-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/techinsurance-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-techinsurance/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) # TechInsurance vs Zurich U.S.: How Do They Compare for Workers’ Compensation Insurance? TechInsurance lists employer-liability and death benefits and state-specific mandate exceptions; Zurich describes eligible medical and wage benefits. ## How to Use the TechInsurance vs Zurich U.S. Workers’ Compensation Insurance Comparison Use this comparison to evaluate TechInsurance and Zurich U.S. for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## TechInsurance vs Zurich U.S. Workers’ Compensation Insurance Summary TechInsurance describes medical treatment, partial wage replacement, employer liability, and death benefits, while Zurich names medical expenses and wage replacement. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [7](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") ## 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) ## Zurich U.S. Business Insurance: Products, Access, and Claims Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## What Is Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [8](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## What Are the Key Differences Between TechInsurance and Zurich U.S. Workers’ Compensation Insurance? ### Benefits Beyond Medical and Wage Payments TechInsurance includes emergency and ongoing care, partial wage replacement, employers’ liability for related lawsuits, and death benefits such as funeral costs and family support. Zurich’s published claim describes eligible medical expenses and wage replacement for employees injured or made ill at work. Compare the actual employer-liability limit and survivor-benefit language because the general descriptions do not establish identical coverage. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [7](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") ### State Rules and Employee Thresholds TechInsurance’s page accessed 2026-09-23 says requirements vary: most states require coverage at the first employee, Texas and South Dakota do not mandate it, and some California contractors may need coverage even without employees. Zurich’s cited claim describes eligible medical expenses and wage replacement; TechInsurance’s page accessed 2026-09-23 gives examples of state mandate exceptions. Employers with remote workers or independent contractors should check each state’s current rules and ask Zurich’s agent how the proposed policy handles those jurisdictions. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [7](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") ## What Should You Confirm in TechInsurance and Zurich U.S. Workers’ Compensation Insurance Quotes? - Ask TechInsurance which state rule, employee count, and contractor status its application uses for each work location. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") - Ask Zurich which states and worker classifications the proposed insurer can cover, and request the applicable benefit schedule. [7](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") ## TechInsurance vs Zurich U.S. Workers’ Compensation Insurance Compared | Criteria | TechInsurance Workers' Compensation Insurance | Zurich Workers’ Compensation | | --- | --- | --- | | Role in This Line | TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page..) | Confirm in your quote. | | Issuing Insurer | The reviewed page does not name the issuing insurer for a workers' compensation policy; TechInsurance notes that a small number of monopolistic states (it names Wyoming, Washington, Ohio and North Dakota) require purchasing coverage through a dedicated state fund rather than a private carrier. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Workers' compensation product page as read on 2026-09-23..) | Confirm in your quote. | | Who It’s For | TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page, Are you legally required to carry workers' comp insurance? section..) | Confirm in your quote. | | Coverage Features | TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page; general policy description, not a specific policy form..) | Zurich describes workers’ compensation benefits for employees injured or made ill at work, including eligible medical expenses and wage replacement. [7](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | Limits and Retentions | TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | Confirm in your quote. | | Risk Services | Confirm in your quote. | Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review. [7](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | How to Apply | You request workers' compensation quotes online through a short application; TechInsurance says licensed agents are available to help, and mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses. [4](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page, How can I save money on workers' comp coverage? section..) | Confirm in your quote. | | Claims Support | Confirm in your quote. | Zurich links WC customers to a dedicated claim-reporting process and explains that the carrier reviews, investigates and decides benefit eligibility. [7](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | ## Related Pages for TechInsurance vs Zurich U.S. Workers’ Compensation - [TechInsurance vs Zurich U.S.](https://spot.insure/compare/techinsurance-vs-zurich): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [TechInsurance vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-auto) - [TechInsurance vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-property) - [TechInsurance vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/techinsurance-vs-zurich/cyber) - [TechInsurance vs Zurich U.S. D&O Insurance](https://spot.insure/compare/techinsurance-vs-zurich/directors-officers) - [TechInsurance vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/employment-practices) - [TechInsurance vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/techinsurance-vs-zurich/fidelity-bonds) - [TechInsurance vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/general-liability) - [TechInsurance vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/techinsurance-vs-zurich/inland-marine) - [TechInsurance vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-zurich/professional-errors-omissions) - [TechInsurance vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/techinsurance-vs-zurich/technology-errors-omissions) - [TechInsurance vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/umbrella-excess) - [AIG vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-techinsurance/workers-compensation) - [AIG vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-zurich/workers-compensation) - [Alliance Risk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/workers-compensation) - [Alliance Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/workers-compensation) - [Amelia Risk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/workers-compensation) - [Amelia Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/workers-compensation) ## Sources for TechInsurance vs Zurich U.S. ### Sources About 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. [Workers' Compensation Insurance – Compare Quotes](https://www.techinsurance.com/workers-compensation-insurance). TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance?. Accessed 2026-09-23. ### Sources About Zurich U.S. 5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 7. [Workers’ Compensation Insurance | Zurich Insurance](https://www.zurichna.com/insurance/workers-compensation). Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28. ### Sources for the Workers’ Compensation Insurance Guide 8. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16. 9. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16. 10. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16. 11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16. Updated 2026-10-01. 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 Review Scores for 2026 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). ## Zurich U.S. Review Scores for 2026 Review Score: not enough ratings. The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/techinsurance-vs-zurich/workers-compensation.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)