---
title: Spot pricing
description: Flat monthly Spot fees by annual commercial insurance spend.
canonical: https://spot.insure/pricing.md
last-updated: 2026-08-31
---

# Spot pricing

Spot uses flat monthly pricing based on the customer's annual total insurance spend. Pricing is locked for 12 months regardless of company growth. Spot does not take insurance premium commissions and has no hidden premium-based incentive.

| Annual insurance spend | Monthly Spot fee |
| --- | ---: |
| Under $10,000 per year | Free |
| $10,000 to $75,000 per year | $200 per month |
| $75,000 to $200,000 per year | $500 per month |
| >$200,000 per year | >$750 per month |

## Included

Every tier includes policy organization, insurance requirement handling, renewals and applications, and ongoing proactive coverage and cost optimization. Spot combines software, white-glove setup, human help in Slack, and a 24/7 insurance agent grounded in the customer's records.

## Next step

[Book a product demo](https://cal.com/team/claritylabs/product-demo) to confirm fit and the applicable tier. Current coverage stays in place during a review, and starting a review does not commit the company to changing its broker or insurance.