--- title: "Insurance Buying Guide for Apparel and Cosmetics Businesses" description: "Quote preparation for apparel and beauty brands changing a product, formula, sales channel, or inventory footprint." canonical: "https://thegeneralaverage.com/industries/apparel-and-cosmetics" page-type: "industry-guide" updated-at: "2026-09-28" industry: "apparel-and-cosmetics" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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. 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[Human-readable page](https://thegeneralaverage.com/industries/apparel-and-cosmetics) ## Agent Guide **What this page is:** Buying guide to the business insurance a Apparel And Cosmetics business typically considers: coverage checklist, risks, provider comparison and common questions. **Use this page when:** Answer what insurance a Apparel And Cosmetics business needs, or route to coverage guides, providers and industry FAQs for that industry. **Questions this page answers:** - What insurance does a Apparel And Cosmetics business need? - Product Liability Insurance for Apparel and Cosmetics - Commercial Property Insurance for Apparel and Cosmetics - Inland Marine Insurance for Apparel and Cosmetics - General Liability Insurance for Apparel and Cosmetics - Cyber Insurance for Apparel and Cosmetics **Key facts:** - Sections: Which Insurance Should You Consider for Apparel and Cosmetics?; From Spot; When an Apparel or Cosmetics SKU or Formula Changes; Before an Apparel or Cosmetics Retailer or Warehouse Commitment; Which Providers Should You Compare for Apparel and Cosmetics?; Common Questions About Insurance for Apparel and Cosmetics; Verticals Related to Apparel and Cosmetics; Sources and Further Reading for Apparel and Cosmetics. - See "Sources and Further Reading" for citations. **Limits (do not over-claim):** - Lists coverage worth discussing; it does not confirm a business qualifies for or needs any policy. - Provider ordering averages Reliability Score and Review Score; scores describe the provider, not an individual policy or quote. - Legal requirements (e.g. workers' compensation, licensing) vary by state and are not decided here. **Provenance:** Cited guide; provider rows come from Spot's rating data. Last updated 2026-09-28. **Related pages:** - [Industries](https://thegeneralaverage.com/industries) — parent hub - [Reliability Score methodology](https://thegeneralaverage.com/reliability-score) — how provider scores are computed - [Editorial policy](https://thegeneralaverage.com/editorial-policy) — sourcing standards # Insurance Buying Guide for Apparel and Cosmetics Businesses [Consumer](https://thegeneralaverage.com/industries/consumer) Before a new SKU or retailer launch, map who makes and imports each item, where stock sits, and how it reaches customers. Share the product and ingredient details, vendor locations, sales territories, and contract insurance wording so the quote reflects the actual assortment. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Clothing](https://www.cpsc.gov/FAQ/Clothing), [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) ## Which Insurance Should You Consider for Apparel and Cosmetics? Consider product liability, commercial property, tools, equipment and inland marine, general liability, and cyber liability. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [Product Liability Insurance for Apparel and Cosmetics](https://thegeneralaverage.com/coverage/product-liability) **When it matters:** You launch a garment, cosmetic formula, accessory, or new product use. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Launch your business](https://cdn.www.sba.gov/counseling/launch-your-business/) **What to review:** Ask whether the proposed form addresses injury or property damage from each named product. Commercial general liability may include products and completed-operations terms for specified bodily injury or property damage; review named products, exclusions, and limits rather than assuming every formula or SKU is included. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Launch your business](https://cdn.www.sba.gov/counseling/launch-your-business/) **Ask:** Does the submission identify each brand, formula or material, age group, manufacturer, importer, sales territory, and channel? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Launch your business](https://cdn.www.sba.gov/counseling/launch-your-business/) ### [Commercial Property Insurance for Apparel and Cosmetics](https://thegeneralaverage.com/coverage/commercial-property) **When it matters:** Seasonal stock, samples, packaging, or production equipment accumulates at a studio or warehouse. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Check stock values at peak season, the locations on the schedule, valuation terms, and whether property at a contract manufacturer or fulfillment center is addressed. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which owned and third-party locations are included, and how are stock peaks, samples, packaging, and tenant improvements valued? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Inland Marine Insurance for Apparel and Cosmetics](https://thegeneralaverage.com/coverage/inland-marine) **When it matters:** Samples and sale inventory move between a maker, warehouse, retailer, pop-up, or trade show. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Inland marine can address business property away from a fixed location or in transit. Confirm how the quote treats loading, temporary storage, returns, and international legs. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which goods, carriers, destinations, and transit stages are covered, and what limits apply per shipment or location? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [General Liability Insurance for Apparel and Cosmetics](https://thegeneralaverage.com/coverage/general-liability) **When it matters:** Customers visit a showroom, pop-up, salon, studio, or brand event. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Commercial general liability can address specified third-party injury and property damage from premises and operations. Check event, product, and completed-operations wording against the activities you actually host. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Are pop-ups, demonstrations, sampling, and customer appointments described, and do exclusions or sublimits apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Cyber Insurance for Apparel and Cosmetics](https://thegeneralaverage.com/coverage/cyber) **When it matters:** You collect customer accounts, purchase histories, payment details, or loyalty data. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) **What to review:** Ask whether a cyber quote fits the customer data and service providers you use. Compare the policy’s actual incident-response, liability, interruption, and retention terms; product listing or compliance obligations do not determine those terms. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) **Ask:** What data events and vendor dependencies trigger the quoted response, and which costs or interruptions are excluded or capped? [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) ## From Spot Spot, which publishes this research, gets quotes from 50+ providers and finds the best fit for your coverage, needs, and cost. Companies save up to 40%, and we keep managing your insurance as it changes. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## When an Apparel or Cosmetics SKU or Formula Changes Prepare a product schedule with names, intended users, ingredients or materials, manufacturer, country of manufacture, importer, and sales channels. For apparel, CPSC’s guidance distinguishes product categories and testing/certificate questions; for cosmetics, FDA identifies responsible-person listing and exemptions. Neither source determines policy terms. [Clothing](https://www.cpsc.gov/FAQ/Clothing), [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) Tell the broker when the line adds children’s apparel, a new formula, a new manufacturer, or a product that could have a different classification. Keep compliance records with the exact SKU they describe. [Clothing](https://www.cpsc.gov/FAQ/Clothing), [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) ## Before an Apparel or Cosmetics Retailer or Warehouse Commitment Send the retailer’s insurance clause and requested endorsement wording before you promise limits or additional-insured status. Confirm the named insured matches the entity signing the contract. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Launch your business](https://cdn.www.sba.gov/counseling/launch-your-business/) Give the broker expected peak stock values and every storage or temporary event location. A change from studio stock to a third-party warehouse or pop-up should prompt a location and transit review. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Providers Should You Compare for Apparel and Cosmetics? These providers document the coverage listed below. Providers are ordered by the average of their Reliability Score and Review Score, weighted equally. This is not confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### Product Liability Insurance Providers for Apparel and Cosmetics #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Life Sciences Insurance | CNA](https://www.cna.com/industries/life-sciences) · [Small Business Life Sciences Insurance | CNA](https://www.cna.com/solutions/small-business/life-sciences) #### [Newfront](https://thegeneralaverage.com/insurance-providers/newfront) **Reliability Score** Broker Reliability Score: 5.0 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/newfront/reliability) **Review Score** 10.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/newfront/reviews) [Casualty](https://www.newfront.com/casualty-insurance) · [Get Started Today](https://www.newfront.com/talk-to-an-expert) #### [Gallagher](https://thegeneralaverage.com/insurance-providers/gallagher) **Reliability Score** Broker Reliability Score: 5.5 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/gallagher/reliability) **Review Score** 9.3 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/gallagher/reviews) [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/) [+18 more Product liability providers](https://thegeneralaverage.com/coverage/product-liability#documented-providers) ### Commercial Property Insurance Providers for Apparel and Cosmetics #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Commercial Property Insurance | CNA Insurance](https://www.cna.com/products/property) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Commercial Property Insurance](https://www.foxquilt.com/businesscoverage/commercial-property.html) #### [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency) **Reliability Score** Broker Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reliability) **Review Score** 8.2 / 10 (2 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reviews) [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html) [+37 more Commercial property providers](https://thegeneralaverage.com/coverage/commercial-property#documented-providers) ### Inland Marine Insurance Providers for Apparel and Cosmetics #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Inland & Ocean Marine Insurance | CNA Insurance](https://www.cna.com/products/marine) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Cleaner Insurance Program by Foxquilt](https://www.foxquilt.com/businesscoverage/ConvertLabs.html) · [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html) #### [Nationwide](https://thegeneralaverage.com/insurance-providers/nationwide) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/nationwide/reliability) **Review Score** 7.8 / 10 (4 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/nationwide/reviews) [Insurance for Inland Marine – Nationwide](https://www.nationwide.com/business/insurance/inland-marine/) [+21 more Tools, equipment and inland marine providers](https://thegeneralaverage.com/coverage/inland-marine#documented-providers) ### General Liability Insurance Providers for Apparel and Cosmetics #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html) [+45 more General liability providers](https://thegeneralaverage.com/coverage/general-liability#documented-providers) ### Cyber Insurance Providers for Apparel and Cosmetics #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Cyber Business Insurance](https://www.foxquilt.com/businesscoverage/cyber-insurance.html) [+47 more Cyber liability providers](https://thegeneralaverage.com/coverage/cyber#documented-providers) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Reliability Scores Work](https://thegeneralaverage.com/reliability-score). ## Common Questions About Insurance for Apparel and Cosmetics ### What should I send for a cosmetic product quote? Start with a SKU list that connects each formula and brand to its responsible person, manufacturer, importer, and sales channel. [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) [Read the full answer](https://thegeneralaverage.com/industries/apparel-and-cosmetics/what-details-to-send-for-a-cosmetic-quote) ### Does apparel testing or a certificate establish product insurance coverage? No. CPSC apparel guidance concerns product safety requirements for covered categories; it does not establish an insurer’s coverage grant. [Clothing](https://www.cpsc.gov/FAQ/Clothing) [Read the full answer](https://thegeneralaverage.com/industries/apparel-and-cosmetics/does-apparel-compliance-establish-product-coverage) ## Verticals Related to Apparel and Cosmetics - [Consumer Electronics](https://thegeneralaverage.com/industries/consumer-electronics): Practical quote checks for device makers moving from prototypes to production, retail, cloud services, and battery shipments. - [Content](https://thegeneralaverage.com/industries/content): Quote preparation for studios, publishers, creator platforms, and media businesses taking on new clients, content rights, and production equipment. - [Food and Beverage](https://thegeneralaverage.com/industries/food-and-beverage): Practical insurance questions for food and drink brands expanding production, cold storage, wholesale, delivery, and customer service. - [Gaming](https://thegeneralaverage.com/industries/gaming): Quote preparation for game studios and live-service platforms taking on publisher contracts, user content, online services, and events. - [Home and Personal](https://thegeneralaverage.com/industries/home-and-personal): Practical quote checks for consumer brands selling household goods, connected devices, and products installed or delivered at home. - [Job and Career Services](https://thegeneralaverage.com/industries/job-and-career-services): Quote preparation for recruiting, placement, staffing, and career platforms changing how they screen, refer, or employ workers. - [Social](https://thegeneralaverage.com/industries/social): Practical quote checks for social products adding user content, child-directed features, creator campaigns, and moderation operations. - [Transportation Services](https://thegeneralaverage.com/industries/transportation-services): Quote preparation for passenger platforms, delivery companies, and mobility businesses changing vehicles, trip stages, and custody of goods. - [Travel, Leisure and Tourism](https://thegeneralaverage.com/industries/travel-leisure-and-tourism): Practical quote checks for trip organizers, tours, activities, and travel marketplaces handling deposits, venues, suppliers, and transportation. - [Virtual and Augmented Reality](https://thegeneralaverage.com/industries/virtual-and-augmented-reality): Quote preparation for immersive hardware, sensor-driven apps, multiplayer content, and public VR/AR experiences. ## Sources and Further Reading for Apparel and Cosmetics - [Clothing](https://www.cpsc.gov/FAQ/Clothing) — U.S. Consumer Product Safety Commission. Questions on flammability classifications and additional requirements for adult wearing apparel, lines 82–99 CPSC clothing guidance on category-specific flammability and certificate questions. - [Registration & Listing of Cosmetic Product Facilities and Products](https://www.fda.gov/cosmetics/registration-listing-cosmetic-product-facilities-and-products) — U.S. Food and Drug Administration. Product Listing, Exemptions, and Important Notes FDA cosmetic listing guidance, including exemptions and the distinction from approval. - [Launch your business](https://cdn.www.sba.gov/counseling/launch-your-business/) — U.S. Small Business Administration. Pick the type of business insurance you need; product liability row SBA guide to common insurance questions for product businesses. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation. - [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. NIST Cybersecurity Framework, Govern, lines 51–57 Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements. Updated 2026-09-28. [Editorial Policy](https://thegeneralaverage.com/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/industries/apparel-and-cosmetics.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://thegeneralaverage.com/llms.txt)