Tell us what’s changing
Share the new state, what you’ll do there, and whether it means employees, an office, a warehouse or vehicles.
Maple Street Co.Organized by Spot
Insurance When You Expand to a New State
Update your insurance before you expand to a new state
When you hire, open a location or start work in another state, your Spot team checks what changes in your policies and gets quotes for whatever doesn’t carry over.
- The new state’s workers’ comp rules checked first
- Locations, vehicles and payroll added in the right places
- Keep your broker or switch, with no commissions on premiums
How it works
We check each policy for the new state
Your Spot team checks which policies extend to the new state as written, which need the location or payroll added, and which need a new quote.
Workers’ compensation insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Get the changes made
We work with your broker to endorse current policies or take missing coverage to market, before the first employee or location is active.
# 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.
Keep certificates current
Once the policies are updated, generate new certificates in the Spot app for landlords and customers in the new state.
AlexMaple Street Co.
Can you help prepare proof of our workers’ compensation insurance?
Certificate of insurance
Maple Street Co.
Ready for your review
When you need insurance
You’ve signed a lease or made a hire in a state where you’ve never operated, and your policies only list the states you started in.
Coverage to consider
Workers’ compensation
Requirements and insurance options differ by state, and the new state’s payroll and job classifications have to be in the policy.
Get quotesCommercial property
A new office, shop or warehouse needs its address, contents and values added before you move anything in.
Get quotesGeneral liability
New locations and new kinds of work should be listed so the policy describes the operations you actually run.
Get quotesCommercial auto
Vehicles garaged in the new state, or employees driving for work there, need to be on the auto policy.
Get quotesEmployment practices liability
EPLI quotes start from employee counts and locations, so staff in the new state belong in the application.
Get quotes
Documents to have ready
- 01
What you’ll do in the new state
The work, the start date and whether it’s permanent or project-based.
- 02
Employees and payroll there
How many people you’ll employ in the state, their roles and their expected payroll.
- 03
New addresses
Each office, warehouse or site, with square footage and the value of what you’ll keep there.
- 04
Vehicles
Any vehicles that will be based in the new state, and who will drive them.
- 05
Your current policies
Declarations and endorsements for every policy, so your Spot team can see which states each one lists.
Common questions
Does my workers’ comp policy cover an employee in another state?
Not necessarily. Workers’ compensation rules and options differ by state, so your Spot team checks whether your policy can add the new state or whether you need coverage there.
Do I need a new policy for every state?
Not always. Sometimes an existing policy can be endorsed to add a state, location or vehicle. We check that first and only quote new coverage where it’s needed.
Where can I read about a state’s rules?
Spot publishes state-by-state business insurance guides. Your Spot team applies them to your operation and confirms the details with your broker.
Can my broker make these changes instead?
Yes. Spot works with your broker rather than replacing them, takes no commissions on premiums and follows up until each change is made.
Related
Get insurance off your to-do list.
When you hire, open a location or start work in another state, your Spot team checks what changes in your policies and gets quotes for whatever doesn’t carry over.
Get StartedLearn more before you find insurance
Read these before you choose a policy or an insurer.
