Frequently asked questions

Start with your company name, approximate employee count, renewal date if known, and the outcome you need. Spot can then identify what other information is required for that work. Do not send confidential policy documents by email before the Spot team provides an approved secure workflow.

The human Spot team can prepare submissions, coordinate your current broker or alternatives, and help review proposals. Spot’s software keeps the underlying facts, documents, and requests together. Your company decides what to buy or change.

You discuss your company’s insurance work and confirm whether Spot fits and which published pricing tier applies. Booking does not change your policy or commit you to a purchase or broker change. It does not guarantee savings, coverage, or acceptance.

Consider Spot when a purchase, renewal, contract requirement, certificate request, or recurring policy question is taking time from founders, finance, or operations.

Yes. Spot can organize renewal information, prepare a submission, coordinate brokers, and help your team review proposals before it makes a purchasing decision.

Yes. Spot can compare a requirement with your policies, flag questions or gaps, and help prepare proof of coverage from finalized policy documents.

Your tier is based on your company’s annual total insurance spend. The consultation can help confirm which published tier applies.

No. Spot’s monthly fee covers its software and support. The premium for an insurance policy is a separate cost.

Spot does not take commissions on insurance premiums. Its published pricing is a flat monthly fee based on annual insurance spend.

The published pricing says the fee is locked for 12 months regardless of growth.

Spot combines commercial-insurance software with human support. It is not an insurance carrier or an automatic quote marketplace, and it does not require you to replace your broker. Spot organizes information, prepares submissions, coordinates brokers, and helps you review proposals and policy documents over time. Your broker handles the broker’s role in the transaction, and your company decides what to buy or change. Spot does not automatically bind insurance.

No. Spot can coordinate with your current broker. You can also use Spot to explore alternatives if you choose.

No. Spot does not automatically bind insurance. It can help prepare submissions and review proposals, but your company decides what to buy or change.

Licensed brokers, agencies, MGAs and MGUs, and benefits advisers serving commercial or employee-benefits clients. Every application is reviewed individually, and submitting one does not create a partnership.

Available company background, requested coverage, supporting documents, and open questions. Some facts or documents may still be outstanding; Spot coordinates follow-up so you can identify what you need to assess the opportunity.

Use the channel agreed with the Spot team. Send your questions or proposal with the relevant terms, conditions, required documents, and next steps. Spot coordinates follow-up with the company.

No. We agree on a practical way to share submissions and coordinate replies with your team; an API integration is not required.

No general company workspace access is included. Spot shares the information relevant to the selected submission and coordinates any additional questions with the company.

We review your firm, credentials, appetite, and preferred workflow, then follow up by email. If we need more detail, we will ask for it before making a decision.

Commercial terms are agreed directly with the Spot team and confirmed in a written partner agreement. Select your preferred commercial model and the response time you can commit to. Applying does not guarantee submission volume or exclusivity.

No account, API key, or OAuth token is required. Requests are anonymous, but the services validate inputs and enforce their published limits.

No. The public API and MCP server are limited to registered, published public pages, provider records, and comparisons. They do not expose private company records or customer documents.

ask_spot returns an explicit unavailable or limited result with retrieved public sources. search_knowledge, get_page, compare_providers, and published resources remain available.

The remote-server manifest is available at https://spot.insure/server.json, and the Streamable HTTP endpoint is https://spot.insure/mcp.

No. This guide covers only Spot’s public information API and public knowledge MCP server. It does not describe customer sign-in or account authorization at app.spot.insure.