--- title: "THREE by Berkshire Hathaway vs Zurich U.S.: Commercial Property Insurance" description: "THREE offers property within a small-business package with a sample policy naming its issuer, while Zurich describes modular and customizable property cover for larger organizations." canonical: "https://spot.insure/compare/three-vs-zurich/commercial-property" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "three-vs-zurich" provider-a: "three" provider-b: "zurich" 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-zurich/commercial-property) ## Agent Guide **What this page is:** Focused comparison of THREE by Berkshire Hathaway and Zurich U.S. 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 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:** - THREE by Berkshire Hathaway vs Zurich U.S. for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, THREE by Berkshire Hathaway or Zurich U.S.? - What does THREE by Berkshire Hathaway or Zurich U.S. 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 Zurich U.S.? **Key facts:** - Line: Commercial Property Insurance. Providers: THREE by Berkshire Hathaway 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [THREE by Berkshire Hathaway vs Zurich U.S.](https://spot.insure/compare/three-vs-zurich) — 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) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [THREE by Berkshire Hathaway vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/three-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/three-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/three-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-zurich/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 Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/aig-vs-zurich/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 Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/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 Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/aon-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) # THREE by Berkshire Hathaway vs Zurich U.S.: How Do They Compare for Commercial Property Insurance? THREE offers property within a small-business package with a sample policy naming its issuer, while Zurich describes modular and customizable property cover for larger organizations. ## Research Scope and Use Use this comparison to evaluate THREE by Berkshire Hathaway and Zurich U.S. 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 THREE places property within its Business Owners Policy and its sample declarations name Berkshire Hathaway Direct Insurance Company. Zurich describes modular property products for mid-market buyers and customizable cover for larger, more complex risks. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") ## 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) ## 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. [4](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [5](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## 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. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [9](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## Key Differences in Commercial Property Insurance ### Business Owners Policy or property program for larger risks THREE lists Property as part of a combined Business Owners Policy and directs small-business prospects to an online quote. Zurich identifies mid-market, large-corporate, and multinational customers, distinguishing a modular PPP from customizable Edge II for larger, complex risks. A smaller business can begin with THREE’s package route; a larger or multinational buyer can ask Zurich which structure fits its locations and operations. [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") [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") THREE’s sample policy declarations identify Berkshire Hathaway Direct Insurance Company as issuer. Zurich’s property description connects coverage with global risk engineers and claims professionals, including loss-control services and mitigation education. If engineering support matters for your sites, ask Zurich what service is available in your locations; ask THREE what advisor support and property risk services accompany the quoted package. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") ### What the descriptions leave to the quote THREE says its product page does not publish a separate property limit or deductible and points buyers to the quote summary. Zurich describes protection for buildings, equipment, inventory, tools, furniture, and business interruption after covered loss, but the reviewed claims do not provide a buyer-specific limit. Compare the scheduled property, valuation basis, interruption period, and deductibles in each proposal. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") THREE’s quote route includes licensed Small Business Advisors, whereas Zurich describes risk engineers and claims professionals connected to its property policies. These are different services at different stages: clarify who helps assess risk before binding and who assists after a covered loss, rather than treating them as interchangeable. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") ## What to Confirm in Commercial Property Insurance Quotes - For THREE, what property categories, limits, and deductibles are included in the Business Owners Policy quote? [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - For Zurich, does PPP or Edge II fit your business, and what locations, business-interruption period, engineering support, limits, and deductibles will the quote include? [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") ## Offering Details | Criteria | THREE Business Owners Policy | Zurich 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..) | Confirm in your quote. | | 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..) | Zurich’s property page identifies mid-market, large-corporate and multinational customers and distinguishes modular PPP from customizable Edge II for larger, complex risks. [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial property; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | 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..) | Zurich property can cover buildings, equipment, inventory, tools, furniture and business interruption following covered loss. [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial property; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | 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..) | Confirm in your quote. | | Risk Services | Confirm in your quote. | Zurich connects property policies with global risk engineers and claims professionals, including loss-control services and mitigation education. [6](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial property; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | 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..) | Confirm in your quote. | ## Full Comparison - [THREE by Berkshire Hathaway vs Zurich U.S.](https://spot.insure/compare/three-vs-zurich): 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 Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/three-vs-zurich/commercial-auto) - [THREE by Berkshire Hathaway vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-zurich/fiduciary) - [THREE by Berkshire Hathaway vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/three-vs-zurich/general-liability) - [THREE by Berkshire Hathaway vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/three-vs-zurich/inland-marine) - [THREE by Berkshire Hathaway vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-zurich/professional-errors-omissions) - [THREE by Berkshire Hathaway vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-zurich/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) - [AIG vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/aig-vs-zurich/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 Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/commercial-property) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) - [Aon vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/aon-vs-zurich/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. ### Zurich U.S. 4. [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. 5. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 6. [Commercial Property Insurance: Building & Business | Zurich](https://www.zurichna.com/insurance/commercial-property). Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28. ### Commercial Property Insurance Guide 7. [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. 8. [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. 9. [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). ## Zurich U.S. Reviews 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/three-vs-zurich/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)