--- title: "Insurance Buying Guide for Broker-Dealers and Market Infrastructure Providers" description: "A practical guide to separating customer-asset duties, market operations, technology services, and bond questions before requesting quotes." canonical: "https://spot.insure/industries/banking-and-exchange" page-type: "industry-guide" updated-at: "2026-09-28" --- 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/industries/banking-and-exchange) # Insurance Buying Guide for Broker-Dealers and Market Infrastructure Providers [Fintech](https://spot.insure/industries/fintech) Map each entity’s role, customer assets, services, and systems. For a bank’s vendor review, send its service description and relevant contract terms. For a broker-dealer bond request, ask counsel to verify the exact entity’s applicable rule or contract and requested form; review commercial insurance separately. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html), [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) ## Which Insurance Should You Consider? Consider professional errors and omissions (E&O), technology errors and omissions (E&O), crime, fidelity bonds, cyber liability, and directors and officers. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) **When it matters:** The firm provides brokerage, clearing, exchange, advisory, operational, or other professional services to customers. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) **What to review:** Ask which services and capacities appear in the insuring agreement and how financial-services, securities, contractual, and customer-asset exclusions apply to the specific allegation. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) **Ask:** Which brokerage, clearing, carrying, exchange, or advisory services are named? How do financial-services, securities, customer-property, and contractual exclusions apply to a trade error or customer loss? [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) ### [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) **When it matters:** You provide order handling, exchange connectivity, trading software, data feeds, or operational technology to another firm. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) **What to review:** Treat platform failure, delayed processing, data error, and customer financial loss as separate quote examples. Ask for the specific technology-service definition and exclusions in the proposed form. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) **Ask:** Which order-routing, exchange-connectivity, trading-software, and market-data services are named? What terms address delayed or failed processing and resulting customer financial loss? [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ### [Crime](https://spot.insure/coverage/crime) **When it matters:** Employees or systems can access customer property, change instructions, or move money or securities. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Crime is a distinct category; a general employee-theft example does not answer how customer property, account instructions, or a particular transfer is treated. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Whose property is insured, and which people, instructions, transfer methods, discovery terms, direct-loss conditions, and exclusions apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) **When it matters:** An applicable SRO rule, regulator, clearing relationship, or signed counterparty agreement raises a fidelity-bond question. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) **What to review:** The SEC’s 2013 summary discusses certain broker-dealer bond deductibles under self-regulatory organization (SRO) rules. Verify the current rule for the exact firm and ask what bond form, covered persons, and limits apply. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) **Ask:** Which exact rule or contract clause applies, and what form, entity, covered persons, activity, limit, and exclusions does it specify? [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) ### [Cyber liability](https://spot.insure/coverage/cyber) **When it matters:** The firm holds customer or market information, operates a trading system, or relies on a material technology provider. [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) **What to review:** NAIC describes cyber policies as highly customized and says most commercial property and general-liability policies do not cover cyber risks. Ask how the actual proposal addresses your systems, vendors, incident costs, and interruption scenario. [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) **Ask:** Does the quote address trading and market systems, provider outages, customer-data incidents, and restoration or interruption costs? Which sublimits, waiting periods, and exclusions apply? [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) ### [Directors and officers](https://spot.insure/coverage/directors-officers) **When it matters:** Governance changes, outside directors, investors, or management decisions prompt a liability review. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) **What to review:** A board, investor, or counterparty request is a prompt to compare insured entities and people, claim definitions, defense costs, and regulatory or financial-services exclusions. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) **Ask:** Which entities and people are insured, what claims and defense costs are addressed, and which financial-services or regulatory exclusions apply? [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## Prepare for the Bank’s Vendor Review Give the bank a short description of your service and the relevant contract terms for its vendor review. Ask which obligations it expects in the agreement, then give those terms to the broker and ask how the proposed policy treats them. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ## Verify the Source of a Bond Request Ask the requester for the exact rule or contract, entity, activity, covered people, bond form, and limit. Apply the request only to the scope named. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) Keep a bond question separate from a crime-policy comparison. Ask whether each proposal addresses the loss mechanism and property described in your operations, and request the applicable forms. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Describe Each Service and System in the Application Map a trade or settlement error, intrusion, provider outage, employee theft, or customer-asset shortfall. Ask which proposed form, exclusions, conditions, and limits address each scenario. [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity), [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) ## Providers to Compare by Coverage These providers document the coverage listed below. Examples are alphabetical, not a ranking or confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### Professional errors and omissions (E&O) #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Professional Liability Insurance](https://joinalliancerisk.com/professional-liability-business-insurance/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Insurance For Startups](https://ameliarisk.com/specialties/startups/) · [Insurance Policies](https://ameliarisk.com/insurance-policies/) #### [At-Bay](https://spot.insure/insurance-providers/at-bay) **Spot Score** Broker Spot Score: 5.2 / 10 (15% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) Carrier & MGA Spot Score: 7.1 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) **Review Score** 9.5 / 10 (2 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/at-bay/reviews) [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/) · [Licenses](https://www.at-bay.com/licenses/) ### Technology errors and omissions (E&O) #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Technology Errors and Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/) · [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/) #### [At-Bay](https://spot.insure/insurance-providers/at-bay) **Spot Score** Broker Spot Score: 5.2 / 10 (15% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) Carrier & MGA Spot Score: 7.1 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) **Review Score** 9.5 / 10 (2 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/at-bay/reviews) [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/) · [Licenses](https://www.at-bay.com/licenses/) ### Crime #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Crime Insurance](https://joinalliancerisk.com/crime-insurance/) · [Alliance Products](https://joinalliancerisk.com/coverages/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Insurance For Startups](https://ameliarisk.com/specialties/startups/) · [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/) #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime) ### Fidelity bonds #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime) #### [Coverdash](https://spot.insure/insurance-providers/coverdash) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/coverdash/reliability) **Review Score** 7.2 / 10 (2 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/coverdash/reviews) [Surety Bonds](https://www.coverdash.com/coverage/surety-bond) · [Terms And Conditions](https://www.coverdash.com/terms) #### [Founder Shield](https://spot.insure/insurance-providers/foundershield) **Spot Score** Broker Spot Score: 5.3 / 10 (40% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/foundershield/reliability) **Review Score** 7.4 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/foundershield/reviews) [ERISA Fidelity Bond](https://foundershield.com/coverage/erisa-fidelity-bond/) · [About Us](https://foundershield.com/about-us/) ### Cyber liability #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Cyber Liability Insurance: Costs, Limits & What You'll Pay](https://joinalliancerisk.com/cyber-liability-insurance/) · [Alliance Products](https://joinalliancerisk.com/coverages/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Cyber Liability](https://ameliarisk.com/insurance-policies/cyber-liability/) · [Insurance For Startups](https://ameliarisk.com/specialties/startups/) #### [At-Bay](https://spot.insure/insurance-providers/at-bay) **Spot Score** Broker Spot Score: 5.2 / 10 (15% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) Carrier & MGA Spot Score: 7.1 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) **Review Score** 9.5 / 10 (2 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/at-bay/reviews) [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/) · [Licenses](https://www.at-bay.com/licenses/) ### Directors and officers #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Directors & Officers Insurance (D&O)](https://joinalliancerisk.com/directors-officers-insurance-do/) · [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Directors and Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/) · [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/) #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [D&O - Private Companies](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/) · [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Spot Scores Work](https://spot.insure/spot-rating). ## Common Questions ### Do all broker-dealers need the same fidelity bond? No. The SEC’s 2013 summary describes certain broker-dealer bond deductibles under SRO net-capital rules; it does not establish a current requirement for every firm. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) [Read the full answer](https://spot.insure/industries/banking-and-exchange/do-all-broker-dealers-need-the-same-bond) ### Do customer-protection rules replace commercial insurance? No. For broker-dealers, SEC financial-responsibility rules address safeguards for customer assets. Ask separately which commercial policy wording addresses the firm’s own claims. [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) [Read the full answer](https://spot.insure/industries/banking-and-exchange/do-customer-protection-rules-replace-insurance) ## Related Verticals - [Asset Management](https://spot.insure/industries/asset-management): Match your advisory work, fund structure, asset controls, and vendors to insurance quote questions. - [Consumer Finance](https://spot.insure/industries/consumer-finance): A guide for consumer lenders, account servicers, and finance platforms to prepare insurance questions about services, data, fraud, and partner contracts. - [Credit and Lending](https://spot.insure/industries/credit-and-lending): A practical guide to quote questions for lenders and servicing platforms as their products, borrowers, data, and partner roles change. - [Insurance and Insurtech](https://spot.insure/industries/insurance): A practical guide to insurance quote questions for software vendors, agencies, program administrators, and companies with delegated insurance functions. - [Payments](https://spot.insure/industries/payments): A practical guide to insurance quote questions for processors, wallets, payment infrastructure, and businesses that move funds. ## Sources and Further Reading - [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) — U.S. Securities and Exchange Commission. SEC release 2013-140, customer-protection explanation; accessed 2026-09-28. SEC explanation of broker-dealer safeguards and its historical 2013 fidelity-bond deductible summary; verify any present firm-specific rule. - [SEC Adopts Amendments to Financial Responsibility Rules for Broker-Dealers](https://www.sec.gov/newsroom/press-releases/2013-140) — U.S. Securities and Exchange Commission. SEC release 2013-140, net-capital and fidelity-bond deductible summary; historical rule discussion; accessed 2026-09-28. SEC explanation of broker-dealer safeguards and its historical 2013 fidelity-bond deductible summary; verify any present firm-specific rule. - [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) — Office of the Comptroller of the Currency, Federal Reserve Board, and Federal Deposit Insurance Corporation. Joint release, bank third-party relationship lifecycle and fintech examples; accessed 2026-09-28. Bank-side guidance for diligence and contracts with fintech and other service providers; not a vendor insurance mandate. - [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners. General liability, what it does not cover, and other business insurance types; accessed 2026-09-28. Generic distinctions among CGL, E&O, crime, and cyber lines; not securities-policy wording. - [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) — National Association of Insurance Commissioners. Cyber risks and cyber insurance; page background last updated May 9, 2024; accessed 2026-09-28. General cyber customization context; not a market-infrastructure coverage opinion. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Form 700, revised June 14, 2024; commercial property and covered causes, crime, commercial general liability, time element, workers compensation, and rating sections; accessed 2026-09-28. California commercial crime and liability examples; ask the insurer about the specific bond and payment scenarios. This guide is general insurance buying education, not securities-law advice or a coverage opinion. Confirm current SRO requirements for the exact entity and review actual policy and bond forms. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/banking-and-exchange.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)