And less time managing it.
Spot combines AI-native software with human insurance expertise to find where you're overpaying or undercovered, help you buy better coverage, and take the day-to-day work off your plate.
Spot provides commercial-insurance software and human support for startups and growing companies.
Are you a broker? Partner with Us
Use cases
Spot gives you a team to review your coverage, work with brokers, and handle insurance paperwork. See how we help with a renewal, a new policy, or a request for proof of coverage.
Share your renewal and any new requirements. We help you check whether your coverage still fits, instead of simply renewing what you had last year.
DanACME Inc
Our renewal is coming up, and a new customer needs proof of $2M in liability coverage. Can you help?
Commercial package
General liability · Property
Customer requirements
General liability
We bring your company details and current policies together, then ask for what's changed. Your team doesn't have to start the paperwork from scratch.
Your Spot team works with brokers and checks the proposals against what you need. You see where coverage falls short and which terms still need a closer look.
Spot team review · General liability
$1M
Each occurrence
Below required limit
$2M
Each occurrence
Limit matches
Talk through the recommendation with your team. Keep your current broker or explore an alternative; we help coordinate the next steps.
TerrySpot
DanACME Inc
Once the new policy is bound, we keep the documents together and help prepare the certificate your customer needs.
A customer contract calls for cyber insurance you don't have yet. Share the requirement and tell us about your business.
DanACME Inc
A new customer needs $2M in cyber insurance. Can you help us get our first policy?
Customer contract
Cyber liability
Minimum coverage required
$2M
Your Spot team organizes the business details and security information brokers need. We ask about any missing facts before approaching the market.
ACME Inc
Company background
Builds software for businesses
Aggregate limit
Security overview + customer requirements
To confirm
Do you store personal data for your customers?
We coordinate with brokers and review the limits and exclusions. You get help understanding what each option covers, not just a list of prices.
Spot team review · Cyber liability
$1M
Aggregate limit
Below required limit
$2M
Aggregate limit
Limit matches
Discuss the recommendation with Spot before deciding. We work with the broker on the steps needed to put your chosen coverage in place.
TerrySpot
DanACME Inc
After coverage is bound, the final policy goes on file. Your team can find the documents and help prepare proof for your customer.
Forward the requirements from your customer, investor, lender, or landlord. Include who needs the certificate and what they're asking it to show.
DanACME Inc
lender-requirements.pdf
Certificate holder + requested coverage
Spot checks the requested coverage and terms against your policy documents. We separate what's supported from what's missing or still needs confirmation.
$2M liability limit
Supported by your policy
Waiver of subrogation
Endorsement still needed
TerrySpot
Spot helps prepare proof of the coverage already in place. Review the certificate before sharing it; your team helps follow up on any unresolved requirements.
Get help with renewals, policy questions, and customer requests for proof of insurance.
Know where you're overpaying and where you're exposed. Your Spot team prepares your submission, works with brokers, and helps you weigh the options before you buy or renew.
Renewal reviewCommercial package
General liability · Property
ACME Inc
A new customer. A new lease. Another request for proof of insurance. Spot checks what you need against what you have, flags the gaps, and helps get your certificates ready.
General liability
Per occurrence
Waiver of subrogation
Endorsement needed
Your policies, company details, and supporting documents stay together. Find an answer in the fine print, pick up an open request, and give your team less to chase down next time.
DanACME Inc
Your Travelers policy covers $1M per occurrence. The new customer is asking for $2M.
Travelers policy
Page 3 · Limits of insurance
Get hands-on help from your Spot team, with an AI agent for policy questions and paperwork.
We organize your policies and company information and help fill in missing details.
# spot-support
DanACME Inc
TerrySpot
Talk to your Spot team in your shared Slack channel. Get renewal advice, a second set of eyes, or help with a requirement you haven't seen before.
DanACME Inc
Certificate of insurance
ACME Inc
Ready for your review
Ask the Spot agent a policy question and see the wording behind its answer. Need proof of coverage? Get help preparing a certificate from your policies.
Help buying insurance, handling requirements, and managing ongoing work, with no commissions on premiums or hidden incentives.
| Annual insurance spend | Monthly Spot fee |
|---|---|
| Under $10,000 per year | Free |
| $10,000 to under $75,000 per year | $200 per month |
| $75,000 to $200,000 per year | $500 per month |
| >$200,000 per year | >$750 per month |
We don’t replace your insurance broker, and don’t take commissions when you buy insurance policies, so we can be fully aligned with your success.
Pricing is based on your annual total insurance spend, is charged on a monthly basis and is locked in for 12 months regardless of growth.
Are you a broker? Partner with Us