Insurance with Spot

Find the business insurance your situation calls for

Tell us what just happened, from a new lease to a new hire, and your Spot team works out what your business needs and gets it quoted.

Get StartedHow It Works

Coverage worked out from your situation, not a generic list
One submission taken to market with brokers
Keep your broker or switch, with no commissions on premiums

A small business team examines a packaged ceramic product and a tool case at a compact oak workbench.

Find the insurance you need

What insurance your business needs usually comes down to what just changed: a lease to sign, a contract to meet, an employee to hire, a product to ship or a renewal that came back higher. Pick the situation closest to yours to see the coverage it tends to call for, the documents to have ready and how Spot helps you buy it.

What brought you here?

Insurance After Raising Venture Funding
Find insurance after raising venture funding: Spot prepares your D&O, EPLI, cyber and E&O submissions and compares broker proposals before you bind.
Insurance Required by a Commercial Lease
Find the insurance your commercial lease requires: Spot reads the insurance clause, gets quotes that meet it and prepares the certificate your landlord asks for.
Insurance Required by a Customer Contract
Find the insurance a customer contract requires: Spot reads the insurance clause, checks it against your policies and gets quotes for whatever is missing.
Insurance for an Enterprise Customer’s Security Review
Find insurance for an enterprise customer’s security review: Spot matches your cyber and tech E&O to their questionnaire and gets quotes for what you lack.
Your First Business Insurance
Find your first business insurance with Spot: we work out which coverage you need now, prepare one submission for brokers and help you buy what fits.
Insurance When You Hire Your First Employee
Find insurance when you hire your first employee: Spot checks your state’s workers’ comp rules, quotes EPLI and benefits, and helps you buy before day one.
Insurance for a Government Contract
Find insurance for a government contract: Spot reads the solicitation’s insurance and bonding terms, gets quotes and helps you line up the bonds the agency requires.
Insurance When You Expand to a New State
Find insurance when you expand to a new state: Spot checks that state’s workers’ comp rules, adds new locations and vehicles, and quotes coverage that doesn’t carry over.
Insurance for a New Trucking Authority
Find insurance for a new trucking authority: Spot quotes liability, physical damage and cargo, follows the filings your authority needs and sends proof to brokers.
Insurance After a Non-Renewal or Cancellation
Find insurance after a non-renewal or cancellation: Spot reads the notice, prepares a new submission and works with brokers to replace coverage before it ends.
Insurance When You Launch a Physical Product
Find insurance for a physical product launch: Spot quotes product liability and recall, checks retailer requirements and protects your stock in transit.
Insurance After a Renewal Price Increase
Find insurance after a renewal price increase: Spot compares the renewal with your expiring terms and works with brokers to take your business to other insurers.

Find insurance for your industry

Common questions

What insurance does my business need?

It depends on what you do and who you deal with. Leases and customer contracts often set the first requirements, employees bring state workers’ comp rules, and vehicles, products and data each add their own. Tell your Spot team your situation and we’ll set out what applies.

How do I find business insurance with Spot?

Tell us about your business and what’s prompting the search. Your Spot team prepares one submission, works with brokers to take it to market and helps you compare and buy.

Is Spot an insurance company?

No. Spot doesn’t issue policies or set prices. We work alongside brokers, take no commissions on premiums and help you buy, manage and renew your insurance.

Why is this organized by situation rather than industry?

The same business needs different things when it signs a lease, hires or raises money. For coverage by industry, see Spot’s industry pages.

Get insurance off your to-do list.

Tell us what just happened, from a new lease to a new hire, and your Spot team works out what your business needs and gets it quoted.

Get Started