--- title: "Insurance Buying Guide for Transportation Services Businesses: A Buyer's Guide" description: "Quote preparation for passenger platforms, delivery companies, and mobility businesses changing vehicles, trip stages, and custody of goods." canonical: "https://thegeneralaverage.com/industries/transportation-services" page-type: "industry-guide" updated-at: "2026-09-28" industry: "transportation-services" --- 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. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/industries/transportation-services) ## Agent Guide **What this page is:** Buying guide to the business insurance a Transportation Services business typically considers: coverage checklist, risks, provider comparison and common questions. **Use this page when:** Answer what insurance a Transportation Services business needs, or route to coverage guides, providers and industry FAQs for that industry. **Questions this page answers:** - What insurance does a Transportation Services business need? - Commercial Auto Insurance for Transportation Services - Hired and Non-Owned Auto Insurance for Transportation Services - Cargo and Transit Insurance for Transportation Services - General Liability Insurance for Transportation Services - Cyber Insurance for Transportation Services **Key facts:** - Sections: Which Insurance Should You Consider for Transportation Services?; From Spot; Before a Transportation Services State Launch or Trip-Flow Change; When a Transportation Business Adds a Fleet or Takes Custody of Goods; Which Providers Should You Compare for Transportation Services?; Common Questions About Insurance for Transportation Services; Verticals Related to Transportation Services; Sources and Further Reading for Transportation Services. - 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 Transportation Services Businesses: A Buyer's Guide [Consumer](https://thegeneralaverage.com/industries/consumer) Before launch in a new state or a change to how a trip is dispatched, map each driver, vehicle, trip stage, passenger or cargo, and operating entity. For California transportation network company activity, compare the current regulator requirements with the commercial quote; legal arrangements and policy wording are different checks. [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements), [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Insurance Should You Consider for Transportation Services? Consider commercial auto, hired and non-owned auto, cargo and transit, 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. ### [Commercial Auto Insurance for Transportation Services](https://thegeneralaverage.com/coverage/commercial-auto) **When it matters:** Your business owns, leases, arranges, or relies on vehicles for passenger trips or deliveries. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **What to review:** Commercial auto terms depend on the vehicles, insured entities, drivers, and declared use. For a California TNC, CPUC describes different insurance periods; that regulator summary does not establish the terms of your commercial policy. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **Ask:** Which entity, driver, vehicle, platform status, and trip stage are covered, and how are app-on, matched, pickup, and off-duty periods handled? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) ### [Hired and Non-Owned Auto Insurance for Transportation Services](https://thegeneralaverage.com/coverage/hired-non-owned-auto) **When it matters:** Drivers or employees use rented or personally owned vehicles for company work. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **What to review:** Ask whether hired or non-owned vehicle exposure fits the declared work and who is insured while driving. Do not treat a TNC arrangement as equivalent to delivery or ordinary business driving. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **Ask:** Which vehicle ownership and work-use scenarios are declared, and what driver, trip, or jurisdiction exclusions apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) ### [Cargo and Transit Insurance for Transportation Services](https://thegeneralaverage.com/coverage/cargo-transit) **When it matters:** The company takes custody of goods or promises delivery between parties. [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 site or in transit, but shipment responsibility and the insured property must be checked in the actual form. Identify custody points, values, and delivery partners. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** When does custody begin and end, who owns the goods, and which routes, carriers, and handoffs are included? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [General Liability Insurance for Transportation Services](https://thegeneralaverage.com/coverage/general-liability) **When it matters:** You operate pickup areas, depots, events, or other customer-facing locations. [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. Describe locations and support activities; review any auto-related exclusions separately. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which locations and non-driving operations are included, and how do the forms separate premises and vehicle incidents? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Cyber Insurance for Transportation Services](https://thegeneralaverage.com/coverage/cyber) **When it matters:** You store driver or passenger location, identity, payment, or safety incident records. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Ask whether cyber insurance fits your data and dispatch dependencies. Review actual incident and vendor-outage triggers; transportation regulation is not evidence of cyber coverage. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Do the proposed terms address dispatch interruption, location-data incidents, payment vendors, and response costs? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## 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) ## Before a Transportation Services State Launch or Trip-Flow Change Draw the timeline from app availability through matching, pickup, passenger onboard or package handoff, drop-off, and driver logout. Mark which entity controls each stage and which party supplies insurance. [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) CPUC’s period guidance applies to California TNC activity and differentiates stages. First establish whether the service meets that regulator’s TNC definition; do not apply the requirements automatically to couriers, taxis, or other states. [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) ## When a Transportation Business Adds a Fleet or Takes Custody of Goods List vehicle ownership, leases, driver relationships, operating states, delivery partners, and goods custody points. Give the broker your dispatch and delivery contracts before promising limits or insurance evidence. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) Separate vehicle coverage questions from goods-in-transit questions. For each handoff, record who owns and carries the goods, declared values, route, carrier, and any service-level promise. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Providers Should You Compare for Transportation Services? 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. ### Commercial Auto Insurance Providers for Transportation Services #### [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) [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-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 Auto Insurance for Businesses | CNA Insurance](https://www.cna.com/products/commercial-auto) #### [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 Auto Insurance](https://www.foxquilt.com/businesscoverage/commercial-auto.html) [+28 more Commercial auto providers](https://thegeneralaverage.com/coverage/commercial-auto#documented-providers) ### Hired and Non-Owned Auto Insurance Providers #### [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 Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto) · [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=) #### [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) [Other Coverages](https://www.foxquilt.com/businesscoverage.html) #### [Markel Insurance](https://thegeneralaverage.com/insurance-providers/markel) **Reliability Score** Carrier & MGA Reliability Score: 7.1 / 10 (85% of rubric assessed). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/markel/reliability) **Review Score** 7.5 / 10 (2 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/markel/reviews) [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property) [+9 more Hired and non-owned auto providers](https://thegeneralaverage.com/coverage/hired-non-owned-auto#documented-providers) ### Cargo and Transit Insurance Providers for Transportation Services #### [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) [Ocean Cargo | CNA](https://www.cna.com/sites/default/files/assets/d76bf361-a08f-45e2-a2c1-151732208c58/2402-MKTG-ss-Ocean-Cargo-Marine-v5.pdf?ContentCache=NONE&MOD=AJPERES) #### [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) [Cargo Insurance | MMA](https://www.marshmma.com/us/solutions/cargo-theft-prevention.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/) [+20 more Cargo and transit providers](https://thegeneralaverage.com/coverage/cargo-transit#documented-providers) ### General Liability Insurance Providers for Transportation Services #### [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 Transportation Services #### [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 Transportation Services ### Do California TNC insurance periods automatically apply to delivery apps? No conclusion follows from an app-based model alone. CPUC defines a TNC around arranging compensated passenger transportation using an app and a driver’s personal vehicle; delivery services are not automatically the same activity. [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo) [Read the full answer](https://thegeneralaverage.com/industries/transportation-services/are-california-tnc-insurance-periods-for-delivery-apps) ### What information should a mobility business send for an auto quote? Prepare the operating entity, states, vehicle ownership, driver relationship, trip or delivery stages, and whether drivers are carrying people or goods. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) [Read the full answer](https://thegeneralaverage.com/industries/transportation-services/what-information-to-send-for-auto-quote) ## Verticals Related to Transportation Services - [Apparel and Cosmetics](https://thegeneralaverage.com/industries/apparel-and-cosmetics): Quote preparation for apparel and beauty brands changing a product, formula, sales channel, or inventory footprint. - [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. - [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 Transportation Services - [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) — California Public Utilities Commission. Current insurance requirements; periods 1–3 California CPUC summary of insurance periods for covered TNC activity. - [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo) — California Public Utilities Commission. Background, TNC definition California CPUC definition of transportation network company activity. - [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. 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/transportation-services.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)