Insurance Research Expert by Spot

Generate a bounded answer from retrieved public evidence. Every readable factual statement is copied from validated evidence and linked to its source.

Check source-backed insurance requirements for Uber, Uber Eats, Uber Black, Lyft, DoorDash, Amazon Flex, Instacart, Grubhub and Skip in all US states, DC, Canadian provinces and territories. Provide an ISO jurisdiction such as US-CA or CA-ON and every platform used. Optional vehicle, ownership, commercial-driver status, city, New York licence category, comprehensive/collision, delivery days and annual delivery kilometres identify conditional gaps. Returns driver requirements, local-rule scope, platform trip-stage cover, unresolved items, source sections and research dates. This is a checklist, not proof of coverage or platform availability. Uses the same deterministic rules as /driving-insurance/checker; no customer data or saved submissions.

Retrieve a published, sourced provider comparison. Provider aliases and reversed ordering resolve to the one canonical comparison. Optional coverage (for example "cyber", "D&O" or "workers comp") also lists each provider's published offering page for that line; per-coverage line comparisons are retired and their URLs redirect to the pair comparison. Optional need runs a bounded editorial judgment over that page only; it does not invent a ranking or a purchase recommendation.

Retrieve a complete published Spot page by canonical path or URL, including /industries, industry pillars and vertical guides at /industries/{slug}, their FAQs at /industries/{slug}/{question}, provider profiles, comparisons, best-of rankings at /best, /best/{line} and /best/{line}/{segment}, reviews, scores, rankings, and methodology. Industry pages include parent and vertical links; lists are complete even when the website collapses them. Drafts, customer-specific guides, submissions, and unknown paths are unavailable.

Resolve a provider name, alias, or slug and retrieve its published review summary, Review Score contributors, original source metrics, qualifications, and full Markdown with citations. Unpublished or unavailable review records return found:false.

Retrieve a published reliability assessment and Reliability Score for one provider. Provider aliases resolve to the canonical assessment. This is an editorial score for a stated role and scope, not an AM Best rating or a recommendation. Optional need runs a bounded editorial judgment over that assessment only.

Retrieve the current published Reliability Score rankings. Broker scores and Carrier & MGA scores are ranked separately; the directory also shows a combined score, the average of the two. Partial scores and unrated assessments keep their qualifications. Use search_provider_reliability for provider, score, and status filters. Optional need runs a bounded editorial judgment over the published tables only.

Search published Spot pages and Spot's insurance research: industry pillars, vertical insurance guides and FAQs, provider profiles, comparisons, best-of provider rankings by coverage line and business type, provider reviews, Reliability Scores, rankings, and rating methodology, with deterministic lexical retrieval. Research results carry thegeneralaverage.com URLs.

Search published Reliability Score assessments by query, status, and score range, and sort by name or displayed score. rubric=all sorts and filters by the combined score (the average of the Broker and Carrier & MGA scores, or the one a provider has).

Search published provider reviews by query, Review Score range, and rating availability; sort alphabetically or by displayed Review Score. Scores equally weight eligible source ratings on a 10-point scale and use an approximate academic conversion for BBB grades. Use get_provider_reviews for source-level evidence.