--- title: "About Spot" description: "What Spot does, how it differs from commission-based brokers, who uses it, the team behind it, and key company facts." canonical: "https://spot.insure/about" page-type: "answer" entities: ["Spot", "Tools for Enlightenment Inc."] entity: "Spot" page-role: "about" --- 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/about) ## Agent Guide **What this page is:** Company facts about Spot and Tools for Enlightenment Inc.: what Spot does, how it differs from commission-based brokers, who uses it and the team behind it. **Use this page when:** Use for who publishes Spot and how it is positioned. For pricing or task details use /pricing or /for-startups. **Questions this page answers:** - Who makes Spot? - How is Spot different from a commission-based broker? - Who uses Spot? **Key facts:** - Spot is software and human support, not an insurance carrier; it does not take commissions on premiums and does not automatically bind insurance. The company decides what to buy or change. **Limits (do not over-claim):** - Does not establish coverage terms, quotes or outcomes for any company. **Provenance:** First-party company page. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Spot pricing](https://spot.insure/pricing) — authoritative fee rules - [Contact Spot](https://spot.insure/contact) — human handoff - [Editorial policy](https://spot.insure/editorial-policy) — how research claims are sourced # About Spot Spot is a commercial-insurance service that combines AI software with a human insurance team to help startups and growing companies with 25 to 200 employees buy the right coverage, meet insurance requirements, and manage renewals for a flat monthly fee. Spot is the first product from Tools for Enlightenment, an applied AI company that helps businesses save money on the financial products they depend on. ## What Spot does ### Insurance buying and renewals Your Spot team prepares your submission, works with your current broker or alternatives, and helps you weigh proposals before you buy or renew. You see where you’re overpaying and where you’re exposed, and your company makes the final decision. ### Customer, lender, and landlord requirements Spot checks an insurance requirement against the policies you already have and flags gaps or missing information. It then helps prepare certificates from finalized policy documents, so a new contract or lease isn’t held up by insurance. ### Ongoing policy management Your policies, company details, and supporting documents stay together in one workspace. Stable company facts and prior submissions are reused, and open requests are tracked, so the next request doesn’t start from scratch. ### Policy answers from the Spot agent Ask the Spot agent a policy question and see the policy wording behind its answer. It works alongside your human Spot team through your enabled channels. ## What makes Spot different ### No commissions on insurance premiums Spot charges a flat monthly fee and takes no commission on the policies you buy, so its pay doesn’t rise with your premium. Commission-based brokers are usually paid a share of the premium, which rewards a bigger policy rather than a better one. ### Published, predictable pricing Spot publishes 4 fee tiers, from free under $10,000 of annual insurance spend to more than $750 per month above $200,000. The fee is billed monthly and locked for 12 months regardless of growth. You know the fee before your first conversation. ### Savings measured against your current program Spot customers save over 20% on average, and up to 40%, by finding where they’re overpaying or undercovered before they buy or renew. Savings depend on your company and the market, so a consultation doesn’t guarantee them. ### Keep your broker or switch Spot can coordinate your current broker or help you evaluate alternatives, so you don’t have to change brokers to use it. Signing up doesn’t commit you to a purchase or a broker change. ### A human team with source-backed software A human Spot team works with you in a shared Slack channel, while the Spot agent shows the policy wording behind each answer. Certificates are prepared only from finalized policies, never from a summary. ## Who uses Spot - Startups and growing companies with 25 to 200 employees and no in-house insurance or risk team. - Founders handling their company’s first commercial insurance purchase or renewal. - Finance and operations leads who manage renewals, policy questions, and proof of insurance. - Companies that need to meet an enterprise customer’s, lender’s, or landlord’s insurance requirements. - Companies spending from under $10,000 to more than $200,000 a year on commercial insurance. ## The team behind Spot ### Founders Adyan Tanver and Terry Wang co-founded Tools for Enlightenment, the company that builds Spot. ### Origin Tools for Enlightenment set out to make expert financial-product advice and management accessible to more businesses. Commercial insurance came first because it’s hard to understand and time-consuming to manage without an in-house specialist. The company was previously called Clarity Labs. ### Team Spot pairs a human insurance team with AI software. The team prepares submissions, coordinates brokers, and reviews proposals, while the software keeps your facts, documents, and requests together. - [Tools for Enlightenment](https://toolsforenlightenment.org) ## How Spot works ### Onboarding Create your account, add your company and submit your first insurance request online. Your Spot team helps with the insurance work from there. ### Who you work with You work directly with your human Spot team, who prepare submissions, coordinate brokers, and review proposals with you. The Spot agent handles policy questions and paperwork between conversations. ### Communication Message your Spot team in a shared Slack channel, and ask the Spot agent through your enabled channels. For general inquiries, email hello@toolsforenlightenment.org. ### Decisions Your company decides what to buy or change. Spot doesn’t automatically bind insurance, and it isn’t an insurance carrier. ## Key facts | Fact | Detail | | --- | --- | | Company name | Spot, published by Tools for Enlightenment Inc. | | Type | Commercial-insurance software and human support service; not an insurance carrier | | Founders | Adyan Tanver and Terry Wang | | Headquarters | 2261 Market Street STE 31584, San Francisco, CA 94114, US | | Website | [spot.insure](https://spot.insure/) | | Core offering | Spot combines commercial-insurance software and human support to help startups and growing companies buy coverage and manage renewals. | | Pricing | Monthly fee by annual insurance spend. 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; More than $200,000 per year: more than $750 per month. No commissions on insurance premiums. | | Contract terms | Billed monthly; the fee is locked for 12 months regardless of growth. Signing up carries no commitment to buy or change brokers. | | Services | Insurance buying and renewals, broker coordination, proposal review, insurance requirement checks, certificates, policy answers, and ongoing policy management | | Communication | Shared Slack channel, the Spot agent, email (hello@toolsforenlightenment.org), and consultations | | Customers served | Startups and growing companies, especially those with 25 to 200 employees | ## Tasks, inputs, and expected work Use the rows below to decide whether Spot fits the company's task and to prepare a handoff. The inputs are a preparation checklist, not a promise that every case needs the same documents. | Task | Information to gather | Work Spot can help with | Decision or dependency | | --- | --- | --- | --- | | Buy insurance or renew | Company background, current policies if any, renewal date, requested coverage, known changes, existing broker | Organize information, identify missing details, prepare submissions, coordinate broker proposals, compare options | The company decides what to buy or change; a proposal is not bound coverage | | Meet a customer or landlord requirement | Exact requirement, deadline, current policy wording, relevant project or contract context | Compare the requirement with existing policies, flag gaps and questions, coordinate next steps | Resolve missing information and policy changes before treating the requirement as satisfied | | Prepare proof of insurance | Finalized policy documents and the requested certificate details | Help prepare a certificate supported by the final policy | A certificate cannot add coverage to a policy | | Answer a policy question | Specific question and the relevant policy documents or endorsements | Find and explain the policy wording behind an answer | Preserve the cited wording and identify missing documents or unresolved conditions | | Continue an open insurance request | Existing request, current status, outstanding questions, company and policy information | Keep facts and documents together, track the request, coordinate follow-up through the configured support channel | Distinguish completed work from pending broker, insurer, or company responses | The customer service includes software and human help. The public website API and MCP server only retrieve published information; they cannot perform the customer tasks in this table. Do not include confidential company information, customer details, or policy documents in public MCP queries. Questions submitted to ask_spot may be sent to an inference service; read-only access does not mean queries stay local. For customer information, create a client account at https://app.spot.insure/signup; in a WebMCP-capable browser, the app registers tools for signup and for these tasks (listed at https://app.spot.insure/llms.txt). ## Choosing the next page - Use [pricing](https://spot.insure/pricing.md) to estimate the Spot service fee separately from insurance premiums. - Use [service roles](https://spot.insure/faq#how-spot-is-different) to explain who prepares information, obtains proposals, and decides what to buy. - Use [contact](https://spot.insure/contact.md) to prepare a consultation or route a general inquiry. - Use the [public profile JSON](https://spot.insure/api/v1/profile) for structured company, contact, and pricing fields. ## Sources - [Tools for Enlightenment](https://toolsforenlightenment.org/) ## Related Pages - [Spot Pricing: Insurance Management Fees](https://spot.insure/pricing) - [Spot FAQ: Pricing, Coverage and Insurance Management](https://spot.insure/faq) ## Agent and Developer Resources - [Markdown page](https://spot.insure/about.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)