Tell us about the hire
Share the role, where they’ll work, their pay and start date, and whether you also use contractors.
Maple Street Co.Organized by Spot
Insurance When You Hire Your First Employee
Get insured before your first employee starts
Before your new hire’s first day, your Spot team checks what your state requires, gets quotes and helps you buy coverage for your growing team.
- Your state’s workers’ comp rules checked for your hire
- Payroll and job duties described the way insurers rate them
- Keep your broker or switch, with no commissions on premiums
How it works
We check what your state requires
Workers’ compensation rules differ by state. Your Spot team checks yours, including who counts as an employee, before anything is quoted.
Workers’ compensation insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Compare quotes for your team
We work with brokers to quote workers’ comp, EPLI and any benefits you plan to offer, and show you how each quote classifies the work.
Insurance documents
Requirements reviewWorkers’ compensation insurance
Payroll · Job classifications
Maple Street Co.
Ask questions as you grow
Message your Spot team in your shared Slack channel when you hire again or add a state, and we’ll update the program.
# spot-support
AlexMaple Street Co.
Can we check this contract against our workers’ compensation insurance?
RileySpot
Let’s review the information and discuss the next steps with your broker.
When you need insurance
You’ve made your first hire, the offer is signed, and payroll starts in a few weeks.
Coverage to consider
Workers’ compensation
It pays medical care and part of lost wages after a work-related injury or illness, and state rules decide who must be covered.
Get quotesEmployment practices liability
Applicants and employees can allege discrimination, harassment or wrongful termination, and general liability doesn’t replace this cover.
Get quotesEmployee health and benefits
If you offer health coverage, a group plan sets who can enroll, which providers they can use and what they pay.
Get quotesHired and non-owned auto
If your employee drives their own or a rented car for errands or client visits, it covers the business’s liability for those trips.
Get quotes
Documents to have ready
- 01
The role and its duties
What the person will actually do. Insurers classify workers’ comp by the work, not the job title.
- 02
Expected payroll
Their pay for the year, and the payroll of anyone else you plan to hire, split by the kind of work.
- 03
Where they’ll work
The state they’re based in, even if they work remotely, because that state’s rules apply.
- 04
Contractors you pay
Anyone you pay on a 1099, so the broker can check whether they count as covered employees.
Common questions
Is workers’ compensation required for one employee?
It depends on the state. California requires employers to provide it, for example, while Texas lets most private employers choose. Your Spot team checks the rules where your employee works.
Does workers’ comp cover me as the owner?
Owners can be treated differently from employees, and the rules vary by state. We check how your quote treats you.
My first hire is remote in another state. Does that matter?
Yes. Check the requirements of every state where you have employees. That state’s rules and insurance options may differ from the ones you know.
Can Spot set up payroll or HR for us?
No. Spot handles the insurance: we prepare the submissions, work with brokers and help you compare and buy, with no commissions on premiums.
Related
Get insurance off your to-do list.
Before your new hire’s first day, your Spot team checks what your state requires, gets quotes and helps you buy coverage for your growing team.
Get StartedLearn more before you find insurance
Read these before you choose a policy or an insurer.
