--- title: "Insurance Buying Guide for Insurtech Businesses" description: "A practical guide to insurance quote questions for software vendors, agencies, program administrators, and companies with delegated insurance functions." canonical: "https://spot.insure/industries/insurance" 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/insurance) # Insurance Buying Guide for Insurtech Businesses [Fintech](https://spot.insure/industries/fintech) Insurance technology companies can have very different roles: software provider, agency, administrator, or business exercising authority for a carrier. Before comparing quotes, list the services, entities, data, funds, and contracts involved. A California producer-license lookup can verify a listed licensee’s status and discipline history, but it does not show whether a policy fits your operations. [Agents & Brokers Overview](https://www.insurance.ca.gov/0200-industry/), [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) ## Which Insurance Should You Consider? Consider professional errors and omissions (E&O), technology errors and omissions (E&O), cyber liability, crime, directors and officers, and employment practices liability. 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:** You sell, advise on, place, administer, or adjust insurance products for customers or a carrier. [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) **What to review:** Ask which professional acts, entities, and customer-facing services the actual form covers and what financial-services, contract, and regulatory exclusions apply. Ask the insurer to explain the response under the actual form. [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) **Ask:** Which named professional services, entities, alleged errors, financial-services exclusions, and defense-cost terms appear in the actual wording? [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) ### [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) **When it matters:** An insurer, agency, or customer relies on your quoting, rating, policy-administration, claims, or data software. [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:** Describe the software service and a concrete failure scenario. Ask how the specific technology E&O wording addresses the service, financial loss, subcontractors, and contractual duties; do not infer an answer from the line name. [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 named services, entities, alleged financial injury, financial-services exclusions, and defense-cost terms appear in the actual wording? [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ### [Cyber liability](https://spot.insure/coverage/cyber) **When it matters:** You handle policyholder financial or health information or depend on claims, policy, or cloud systems. [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. Compare the actual data, vendor, response, and interruption terms. [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) **Ask:** Does the quote address policyholder and customer data, underwriting and claims systems, carrier or program vendors, response costs, and interruption? Which sublimits, waiting periods, and exclusions apply? [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) ### [Crime](https://spot.insure/coverage/crime) **When it matters:** You handle premium, commission, claim, settlement, or customer funds, or staff can change payment instructions. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Crime forms vary by purchased causes and insured property. Ask whose money, what persons and instructions, and which transfer routes are described; do not assume customer funds or a digital transfer is included. [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) ### [Directors and officers](https://spot.insure/coverage/directors-officers) **When it matters:** A carrier partnership, board, investor, or acquisition changes governance and management responsibilities. [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:** A board, investor, or contract request is a prompt to compare the entities, people, claim definitions, and insurance-activity exclusions in the proposed wording. [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 entities and people are insured, what claims and defense costs are addressed, and which financial-services or regulatory exclusions apply? [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ### [Employment practices liability](https://spot.insure/coverage/employment-practices) **When it matters:** You hire producers, claims staff, engineers, or support teams, or add another employing entity. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **What to review:** Employment-related claims are distinct from standard CGL categories. Ask which employing entities and worker groups are insured and what allegations and defense terms the actual form lists. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **Ask:** Which employing entities, worker groups, allegations, defense-cost terms, and exclusions appear in the proposed form? [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ## 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) ## Separate Software from Insurance Functions For each entity, identify whether it only supplies software or also markets, solicits, places, binds, services, or adjusts coverage, or performs work under delegated authority. Ask the broker to put each service and capacity into the application and name the correct insured entities. A software description alone may omit work the contract assigns. [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm), [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) In California, use CDI’s inquiry to check the intermediary’s status and discipline history, then confirm its listed license class. The lookup does not establish expertise or whether a policy fits your business. [Agents & Brokers Overview](https://www.insurance.ca.gov/0200-industry/), [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) ## Map Data, Funds, and Claims Separately List policyholder data, premium and settlement funds, claim decisions, insurer systems, and third-party vendors separately. For each, ask what the quote says about your own property, customer property, fraudulent instructions, data incidents, and interruption. A general crime or cyber category does not settle these questions. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) For any carrier or bank contract, compare the required notice, service, continuity, indemnity, and evidence terms with the actual application and policy documents. Ask the insurer whether the wording addresses the obligation you accepted; do not treat a partner checklist as proof of coverage. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ## Refresh Your Submission When Roles or Contracts Change Revisit the insurance submission when a new carrier or program launches, delegated authority changes, a service expands to another state, or claims and payment handling move to a vendor. Keep the state, product, and entity detail specific; a California license class list is not a national activity rule. [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm), [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) Compare each policy part, limit, exclusion, and reporting condition against the operation map. Ask for exact forms and any proposed endorsement when treatment depends on professional services, insured capacity, funds, data, or a regulator inquiry. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm), [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) ## 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/) ### 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/) ### 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) ### 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) ### Employment practices 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) [Employment Practices Liability (EPLI)](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/) · [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) [Employment Practices Liability (EPL)](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/) · [Insurance For Startups](https://ameliarisk.com/specialties/startups/) #### [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) [Employment Practices Liability](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/) · [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 ### Does a California producer license class show that a policy fits an insurtech? No. CDI’s lookup can verify a listed licensee’s status and discipline history, and its page lists license classes. Neither establishes the quality of advice or the fit of an insurance form. [Agents & Brokers Overview](https://www.insurance.ca.gov/0200-industry/), [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) [Read the full answer](https://spot.insure/industries/insurance/does-a-producer-license-class-prove-policy-fit) ### Can a software vendor assume its technology policy also addresses agency or program work? Do not assume that. Software, producer services, and delegated work are different operations to describe in the submission; ask the insurer which are listed and how the form treats each. [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) [Read the full answer](https://spot.insure/industries/insurance/does-software-vendor-coverage-extend-to-agency-work) ## Related Verticals - [Asset Management](https://spot.insure/industries/asset-management): Match your advisory work, fund structure, asset controls, and vendors to insurance quote questions. - [Banking and Exchange](https://spot.insure/industries/banking-and-exchange): A practical guide to separating customer-asset duties, market operations, technology services, and bond questions before requesting quotes. - [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. - [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 - [Agents & Brokers Overview](https://www.insurance.ca.gov/0200-industry/) — California Department of Insurance. Producer License Status Inquiry; California only; accessed 2026-09-28. California-only tool to check listed intermediary license status and discipline history. - [Producer Types and Requirements](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm) — California Department of Insurance. License Classes Listed in Alphabetical Order; California license classes only; accessed 2026-09-28. California producer class list; it does not determine which class a business activity requires or whether a policy fits. - [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 service-provider diligence and contracts, not an 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 line explanations and distinctions; not insurance or insurtech-specific response evidence. - [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 policy form. - [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. Commercial line definitions and quote review from California’s regulator; keep legal examples California-specific. This guide is general insurance buying education, not a producer-licensing determination or coverage opinion. Confirm licensing and regulatory questions for each jurisdiction and review policy wording with the broker and insurer. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/insurance.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)