---
title: "Business Insurance Provider Reliability Scores: What to Check"
description: "Review business insurance provider reliability, regulatory standing and financial strength, with role-specific Reliability Scores and their limits."
canonical: "https://spot.insure/insurance-reliability"
page-type: "reliability-directory"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/insurance-reliability)

## Agent Guide

**What this page is:** The index of every provider with a published Reliability Score, with role-specific scores side by side.

**Use this page when:** Fetch this to find which providers have been scored or to compare scores within one role. Follow a row for the details.

**Questions this page answers:**
- Which business insurance providers are reliable?
- Which providers have Reliability Scores?

**Key facts:**
- Lists 55 scored providers in the table.

**Limits (do not over-claim):**
- Scores are comparable only within the same role.
- Providers missing here have not been scored, not necessarily unreliable.

**Provenance:** Generated from the published Reliability Scores.

**Related pages:**
- [How the Reliability Score works](https://spot.insure/reliability-score) — scoring methodology
- [Insurance providers directory](https://spot.insure/insurance-providers) — provider profiles
- [Insurance reviews directory](https://spot.insure/insurance-reviews) — review sources

# Business Insurance Provider Reliability Scores: What to Check

Review business insurance provider reliability, regulatory standing and financial strength, with role-specific Reliability Scores and their limits.

Each role is scored against its own criteria, so scores are ranked within a role, never across roles.

| Provider | Role | Best score | Broker Reliability Score | Carrier & MGA Reliability Score |
| --- | --- | --- | --- | --- |
| [At-Bay](https://spot.insure/insurance-providers/at-bay/reliability) | Hybrid role | 7.1/10 — Scored provider: At-Bay; covers: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023. | 5.2/10 — Scored provider: At-Bay; covers: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023. | 7.1/10 — Scored provider: At-Bay; covers: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023. |
| [Markel Insurance](https://spot.insure/insurance-providers/markel/reliability) | Insurance carrier | 7.1/10 — Scored entity: Markel Insurance Company; covers: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote. | — | 7.1/10 — Scored entity: Markel Insurance Company; covers: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote. |
| [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reliability) | Insurance carrier | 7.0/10 — Scored entity: Berkshire Hathaway Specialty Insurance Company; covers: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure. | — | 7.0/10 — Scored entity: Berkshire Hathaway Specialty Insurance Company; covers: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure. |
| [WTW](https://spot.insure/insurance-providers/wtw/reliability) | Broker | 7.0/10 — Scored provider: WTW; covers: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses. | 7.0/10 — Scored provider: WTW; covers: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses. | — |
| [Aon](https://spot.insure/insurance-providers/aon/reliability) | Broker | 6.7/10 — Scored provider: Aon; covers: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses. | 6.7/10 — Scored provider: Aon; covers: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses. | — |
| [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance/reliability) | Hybrid role | 6.7/10 — Scored provider: ERGO NEXT Insurance; covers: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only. | 5.0/10 — Scored provider: ERGO NEXT Insurance; covers: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only. | 6.7/10 — Scored provider: ERGO NEXT Insurance; covers: ERGO NEXT Insurance brand and the named carrier and agency entities in its current terms and license disclosures, including Next Insurance US Company, State National Insurance Company, National Specialty Insurance Company, Next Insurance, Inc. and Next First Insurance Agency, Inc.; Mississippi authority is limited to Next Insurance US Company, and AM Best ratings are recorded for Next Insurance US Company and State National Insurance Company only. |
| [Hiscox](https://spot.insure/insurance-providers/hiscox/reliability) | Hybrid role | 6.7/10 — Scored provider: Hiscox; covers: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping. | 5.4/10 — Scored provider: Hiscox; covers: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping. | 6.7/10 — Scored provider: Hiscox; covers: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping. |
| [Coalition](https://spot.insure/insurance-providers/coalition/reliability) | Hybrid role | 6.3/10 — Scored provider: Coalition; covers: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope. | 6.1/10 — Scored provider: Coalition; covers: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope. | 6.3/10 — Scored provider: Coalition; covers: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope. |
| [Travelers](https://spot.insure/insurance-providers/travelers/reliability) | Insurance carrier | 6.1/10 — Scored provider: Travelers; covers: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation. | — | 6.1/10 — Scored provider: Travelers; covers: The Travelers Indemnity Company and Travelers Casualty and Surety Company of America, with California insurer authority checked. Travelers group financial results and technology-insurance services provide context; the issuer and terms of a particular policy require confirmation. |
| [Harper](https://spot.insure/insurance-providers/harper/reliability) | Broker | 5.9/10 — Scored entity: Harper Global Enterprises Inc.; covers: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two. | 5.9/10 — Scored entity: Harper Global Enterprises Inc.; covers: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two. | — |
| [Lockton](https://spot.insure/insurance-providers/lockton/reliability) | Broker | 5.6/10 — Scored provider: Lockton; covers: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer. | 5.6/10 — Scored provider: Lockton; covers: Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer. | — |
| [HUB International](https://spot.insure/insurance-providers/hub-international/reliability) | Broker | 5.5/10 — Scored provider: HUB International; covers: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages. | 5.5/10 — Scored provider: HUB International; covers: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages. | — |
| [Risklytics](https://spot.insure/insurance-providers/risklytics/reliability) | Broker | 5.4/10 — Scored provider: Risklytics; covers: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included. | 5.4/10 — Scored provider: Risklytics; covers: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included. | — |
| [Armilla](https://spot.insure/insurance-providers/armilla/reliability) | Managing general agent | 5.2/10 — Scored provider: Armilla; covers: Armilla Insurance Services Inc. as a company-named Lloyd's coverholder and AI insurance intermediary in North America, assessed against two named programmes and no others. For the AI Liability Insurance programme, also marketed as Armilla Insured, capacity is assessed as Armilla discloses it: a binding authority led by Chaucer and written by certain underwriters at Lloyd's, available to US insureds, offered through surplus lines insurers. For Armilla Guaranteed, a contractual performance warranty rather than insurance, no issuer is named and no capacity is assessed. The four reinsurers Armilla names on its broker page are attached to no programme and are not assessed as capacity for either. Financial resilience is scoped to Armilla's ability to sustain its own operations; the risk sits with the Lloyd's underwriters, whose capital is not Armilla's and is out of scope. | — | 5.2/10 — Scored provider: Armilla; covers: Armilla Insurance Services Inc. as a company-named Lloyd's coverholder and AI insurance intermediary in North America, assessed against two named programmes and no others. For the AI Liability Insurance programme, also marketed as Armilla Insured, capacity is assessed as Armilla discloses it: a binding authority led by Chaucer and written by certain underwriters at Lloyd's, available to US insureds, offered through surplus lines insurers. For Armilla Guaranteed, a contractual performance warranty rather than insurance, no issuer is named and no capacity is assessed. The four reinsurers Armilla names on its broker page are attached to no programme and are not assessed as capacity for either. Financial resilience is scoped to Armilla's ability to sustain its own operations; the risk sits with the Lloyd's underwriters, whose capital is not Armilla's and is out of scope. |
| [Resilience](https://spot.insure/insurance-providers/resilience/reliability) | Broker | 5.0/10 — Scored provider: Resilience; covers: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed. | 5.0/10 — Scored provider: Resilience; covers: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed. | — |
| [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance/reliability) | Broker | 4.9/10 — Scored provider: StartupInsurance.ai; covers: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence. | 4.9/10 — Scored provider: StartupInsurance.ai; covers: StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company commercial insurance; carrier names displayed in marketing are not treated as issuers without quote or policy evidence. | — |
| [AIG](https://spot.insure/insurance-providers/aig/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Beazley](https://spot.insure/insurance-providers/beazley/reliability) | Hybrid role | No current score | Scored entity unavailable — Scored entity unavailable | Scored entity unavailable — Scored entity unavailable |
| [biBerk](https://spot.insure/insurance-providers/biberk/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [CFC](https://spot.insure/insurance-providers/cfc/reliability) | Managing general agent | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Chubb](https://spot.insure/insurance-providers/chubb/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [CNA](https://spot.insure/insurance-providers/cna/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Corgi](https://spot.insure/insurance-providers/corgi/reliability) | Hybrid role | No current score | Scored entity unavailable — Scored entity unavailable | Scored entity unavailable — Scored entity unavailable |
| [Coterie Insurance](https://spot.insure/insurance-providers/coterie/reliability) | Managing general agent | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Counterpart](https://spot.insure/insurance-providers/counterpart/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Coverdash](https://spot.insure/insurance-providers/coverdash/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Cowbell](https://spot.insure/insurance-providers/cowbell/reliability) | Managing general agent | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Embroker](https://spot.insure/insurance-providers/embroker/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Founder Shield](https://spot.insure/insurance-providers/foundershield/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Foxquilt](https://spot.insure/insurance-providers/foxquilt/reliability) | Managing general agent | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Gallagher](https://spot.insure/insurance-providers/gallagher/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Insureon](https://spot.insure/insurance-providers/insureon/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Kinro](https://spot.insure/insurance-providers/kinro/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Layr](https://spot.insure/insurance-providers/layr/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Marsh](https://spot.insure/insurance-providers/marsh/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Mylo](https://spot.insure/insurance-providers/mylo/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Nationwide](https://spot.insure/insurance-providers/nationwide/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [Newfront](https://spot.insure/insurance-providers/newfront/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Pie Insurance](https://spot.insure/insurance-providers/pie-insurance/reliability) | Hybrid role | No current score | Scored entity unavailable — Scored entity unavailable | Scored entity unavailable — Scored entity unavailable |
| [Relm Insurance](https://spot.insure/insurance-providers/relm/reliability) | Hybrid role | No current score | Scored entity unavailable — Scored entity unavailable | Scored entity unavailable — Scored entity unavailable |
| [RiskCube](https://spot.insure/insurance-providers/riskcube/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Simply Business](https://spot.insure/insurance-providers/simply-business/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [TechInsurance](https://spot.insure/insurance-providers/techinsurance/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [The Baldwin Group](https://spot.insure/insurance-providers/baldwin/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [The Hartford](https://spot.insure/insurance-providers/the-hartford/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [THREE by Berkshire Hathaway](https://spot.insure/insurance-providers/three/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |
| [USI Insurance Services](https://spot.insure/insurance-providers/usi/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Vouch](https://spot.insure/insurance-providers/vouch/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [WithCoverage](https://spot.insure/insurance-providers/withcoverage/reliability) | Broker | No current score | Scored entity unavailable — Scored entity unavailable | — |
| [Zurich U.S.](https://spot.insure/insurance-providers/zurich/reliability) | Insurance carrier | No current score | — | Scored entity unavailable — Scored entity unavailable |

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-reliability.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)