--- title: "THREE by Berkshire Hathaway vs Travelers: Commercial Property Insurance" description: "Travelers offers standalone and tiered property programs with catastrophe options, while THREE lists Property within its combined BOP." canonical: "https://spot.insure/compare/three-vs-travelers/commercial-property" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "three-vs-travelers" provider-a: "three" provider-b: "travelers" coverage-line: "commercial-property" --- 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/three-vs-travelers/commercial-property) ## Agent Guide **What this page is:** Focused comparison of THREE by Berkshire Hathaway and Travelers for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Commercial Property Insurance questions about THREE by Berkshire Hathaway versus Travelers. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - THREE by Berkshire Hathaway vs Travelers for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, THREE by Berkshire Hathaway or Travelers? - What does THREE by Berkshire Hathaway or Travelers publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Property Insurance from THREE by Berkshire Hathaway or Travelers? **Key facts:** - Line: Commercial Property Insurance. Providers: THREE by Berkshire Hathaway and Travelers. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers) — parent: all coverage lines for this pair - [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence) - [THREE by Berkshire Hathaway vs Travelers Business Owner’s Policy](https://spot.insure/compare/three-vs-travelers/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Commercial Auto Insurance](https://spot.insure/compare/three-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers General Liability Insurance](https://spot.insure/compare/three-vs-travelers/general-liability) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Inland Marine Insurance](https://spot.insure/compare/three-vs-travelers/inland-marine) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-travelers/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs Travelers Commercial Property Insurance](https://spot.insure/compare/aig-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Travelers Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs Travelers Commercial Property Insurance](https://spot.insure/compare/aon-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) # THREE by Berkshire Hathaway vs Travelers: How Do They Compare for Commercial Property Insurance? Travelers offers standalone and tiered property programs with catastrophe options, while THREE lists Property within its combined BOP. ## Research Scope and Use Use this comparison to evaluate THREE by Berkshire Hathaway and Travelers for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Travelers underwrites standalone and packaged property for small through specialty accounts, with additional flood, earthquake, and equipment-breakdown coverage often available. THREE markets Property inside a BOP and leaves buyer-specific protection to its quote. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## 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. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](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 Travelers Insurance? Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## What Is Commercial Property Insurance? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## Key Differences in Commercial Property Insurance ### Program scale and catastrophe options Travelers underwrites commercial property as a standalone or packaged policy, with separate tiers for small, midsized, large, or specialty businesses. Its coverage can protect buildings, equipment, inventory, and lost income after fire, storms, theft, or vandalism; flood, earthquake, and equipment breakdown are often available as additional coverage. THREE lists Property within its combined BOP but does not describe these tiers or catastrophe options in its reviewed record. A buyer with specialized or high-value risks can ask Travelers about its appropriate program and THREE for its property limits. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Risk control and placement Travelers says property customers can access Risk Control specialists, an Under Deductible Subrogation service, and wildfire-mitigation discounts for qualifying locations. It places coverage through independent agents who can help choose replacement-cost or actual-cash-value terms. THREE offers an online quote and licensed advisor help. Compare the location-specific valuation and any risk services included in each offer. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What to Confirm in Commercial Property Insurance Quotes - Ask Travelers which tier, catastrophe endorsements, and valuation basis fit the property. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") - Ask THREE for property values, limits, and any available flood, earthquake, or breakdown terms. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Confirm wildfire services, deductible terms, and claim support for each location. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") ## Offering Details | Criteria | THREE Business Owners Policy | Travelers Commercial Property Insurance | | --- | --- | --- | | Role in This Line | THREE presents Property as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [3](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..) | Travelers underwrites commercial property insurance as a standalone policy or packaged with other coverage, with separate product tiers for small, midsized, and large or specialty businesses. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") (Evidence: Company-reported; scope: Product page tier descriptions..) | | Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [2](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..) | Confirm in your quote. | | Who It’s For | The reviewed product page does not state separate eligibility rules for Property; the general quote and advisor route is not proof that a particular business qualifies for it. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](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..) | Travelers offers small business property coverage bundled into its Business Owner's Policy for classes such as contractors, healthcare, retail, restaurants and technology services, Travelers Deluxe and OMNI for midsized businesses, and Customized Property Coverage for large, specialized or high-value risks. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") (Evidence: Company-reported; scope: Product page small, midsized and large/specialty business sections..) | | Coverage Features | THREE's Business Owners Policy page lists Property 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. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Property. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | Travelers says the policy covers a company's buildings, office equipment, furniture, fixtures, inventory and lost business income from events such as fire, explosion, storms, theft and vandalism, with additional coverage often available for floods, earthquakes and equipment breakdown. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") (Evidence: Company-reported; scope: Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy..) | | Limits and Retentions | The reviewed public product page does not state a separate limit or deductible for Property; THREE says the quote-specific insurance summary lists limits and deductibles. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](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..) | Travelers says its excess property market typically attaches at $1,000,000 or greater; standard-tier limits and deductibles are not published and depend on the quote. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") (Evidence: Company-reported; scope: Product page "Excess property market" section..) | | Risk Services | Confirm in your quote. | Travelers says property customers get access to Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") (Evidence: Company-reported; scope: Product page Risk Control, Under Deductible Subrogation and wildfire mitigation sections..) | | How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [1](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 Property will be offered for a particular business or whether a customer can bind that line without an issued policy..) | Commercial property coverage is bought through a Travelers independent agent, who can help choose between replacement-cost and actual-cash-value coverage and confirm what a lease requires. [7](https://www.travelers.com/business-insurance/property "Commercial Property Insurance") (Evidence: Company-reported; scope: Product page purchasing and lease-review FAQs..) | ## Full Comparison - [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers): all coverage lines, business roles, service and claims. - [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss. - [THREE by Berkshire Hathaway vs Travelers Business Owner’s Policy](https://spot.insure/compare/three-vs-travelers/business-owners-policy) - [THREE by Berkshire Hathaway vs Travelers Commercial Auto Insurance](https://spot.insure/compare/three-vs-travelers/commercial-auto) - [THREE by Berkshire Hathaway vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-travelers/fiduciary) - [THREE by Berkshire Hathaway vs Travelers General Liability Insurance](https://spot.insure/compare/three-vs-travelers/general-liability) - [THREE by Berkshire Hathaway vs Travelers Inland Marine Insurance](https://spot.insure/compare/three-vs-travelers/inland-marine) - [THREE by Berkshire Hathaway vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-travelers/professional-errors-omissions) - [THREE by Berkshire Hathaway vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-travelers/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) - [AIG vs Travelers Commercial Property Insurance](https://spot.insure/compare/aig-vs-travelers/commercial-property) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) - [Alliance Risk vs Travelers Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/commercial-property) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) - [Aon vs Travelers Commercial Property Insurance](https://spot.insure/compare/aon-vs-travelers/commercial-property) ## Sources ### THREE by Berkshire Hathaway 1. [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. 2. [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. 3. [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. ### Travelers 4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 5. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 7. [Commercial Property Insurance](https://www.travelers.com/business-insurance/property). Travelers; What is commercial property insurance?; Who is commercial property insurance coverage right for?; Small business property insurance; Midsized business property insurance (Travelers Deluxe, OMNI); Large and specialty business property insurance (Customized Property Coverage, global property coverage, specialty market programs, Excess property market); FAQ. Accessed 2026-09-23. ### Commercial Property 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; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16. 9. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16. 10. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. 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. ## 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). ## Travelers Reviews Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/three-vs-travelers/commercial-property.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)