Your First Business Insurance

Buy your first business insurance with Spot

Tell us what your business does, and your Spot team works out which coverage you need first, gets quotes and helps you buy it.

Get StartedHow It Works

A short list of the coverage you need now
One set of answers instead of a form for every insurer
Keep your broker or switch, with no commissions on premiums

A new shop owner arranges a card reader and blank paperwork at a compact oak checkout counter.

How it works

Describe your business in plain words

Tell us what you sell, who your customers are, where you work and whether you have staff or vehicles.

Maple Street Co.Organized by Spot

See which coverage you need first

Your Spot team separates what a law, lease or contract requires from what protects you most, and what can wait until you grow.

General liability insurance

Maple Street Co. · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Compare quotes in plain English

We work with brokers to get quotes, then explain the limits, deductibles and exclusions in each so you know what you’re buying.

Insurance documents

Requirements review

General liability insurance

Coverage limits · Policy terms

Maple Street Co.

Keep everything in one place

Your policies stay in your Spot workspace, and you can generate certificates from them yourself when a customer or landlord asks.

AlexMaple Street Co.

Can we check this contract against our general liability insurance?

Let’s review the information and discuss the next steps with your broker.

General liability insurance policy

Coverage terms · Limits

When you need insurance

You’ve formed the company and started selling, and someone has just asked whether you’re insured.

Coverage to consider

General liability
The usual starting point if you meet customers, work at their sites or sell products, because it responds to injury and property-damage claims.
Get quotes
Business owner’s policy
If you qualify, a business owner’s policy packages liability with cover for your own property and lost income.
Get quotes
Professional errors and omissions (E&O)
If clients pay for your advice or services, general liability won’t answer a claim that your mistake cost them money.
Get quotes
Workers’ compensation
Once you have employees, state rules decide whether you must carry it, and those rules differ from state to state.
Get quotes
Cyber liability
If you hold customer data or rely on software to sell, it can pay for breach response and claims after an incident.
Get quotes

Documents to have ready

01
A description of your business
What you do, what you sell and who you sell to, in your own words. Insurers classify your business from it.
02
Revenue and payroll estimates
What you expect to bring in and pay staff over the next year. A first-year estimate is fine.
03
Where you work
Your office, shop or home address, and any customer sites you work at.
04
Any contract or lease that mentions insurance
If a landlord or customer has already asked for coverage, their wording tells us which policies to start with.

Common questions

Do I need insurance if I work from home?

Possibly. Customers may still visit, you may hold equipment and stock, and clients may ask for proof of coverage. Your Spot team looks at what you do from home and what that calls for.

Can I buy only one policy to start?

Yes. We help you work out which coverage matters most now, so you can start there and add more as contracts, staff and revenue grow.

Does Spot sell insurance?

Spot isn’t an insurer and doesn’t set prices. We prepare your submission, work with brokers to take it to market and help you compare and buy, with no commissions on premiums.

What if I don’t know my revenue yet?

Give your best estimate for the year ahead, and tell your Spot team how you got to it. We’ll ask the broker how each insurer treats a figure that turns out higher or lower.