---
title: "Insurance When You Hire Your First Employee"
description: "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."
canonical: "https://spot.insure/find-insurance/first-employee"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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/find-insurance/first-employee)

## Agent Guide

**What this page is:** 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.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# 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

[Get Started](https://app.spot.insure/signup?intent=requirements&coverage=workers-compensation&icp=small-business)

## How it works

- **Tell us about the hire.** Share the role, where they’ll work, their pay and start date, and whether you also use contractors.
- **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.
- **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.
- **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.

You’ve made your first hire, the offer is signed, and payroll starts in a few weeks.

## Documents to have ready

- **The role and its duties.** What the person will actually do. Insurers classify workers’ comp by the work, not the job title.
- **Expected payroll.** Their pay for the year, and the payroll of anyone else you plan to hire, split by the kind of work.
- **Where they’ll work.** The state they’re based in, even if they work remotely, because that state’s rules apply.
- **Contractors you pay.** Anyone you pay on a 1099, so the broker can check whether they count as covered employees.

## Coverage

- [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes): It pays medical care and part of lost wages after a work-related injury or illness, and state rules decide who must be covered.
- [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes): Applicants and employees can allege discrimination, harassment or wrongful termination, and general liability doesn’t replace this cover.
- [Employee health and benefits](https://spot.insure/insurance/employee-health-benefits/quotes): If you offer health coverage, a group plan sets who can enroll, which providers they can use and what they pay.
- [Hired and non-owned auto](https://spot.insure/insurance/hired-non-owned-auto/quotes): If your employee drives their own or a rented car for errands or client visits, it covers the business’s liability for those trips.

## 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.

## More

- [Find insurance](https://spot.insure/find-insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/find-insurance/first-employee.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)