--- title: "Spot Pricing: Insurance Management Fees" description: "See Spot’s monthly fees by annual insurance spend, what the fee includes, and how it differs from insurance premiums." canonical: "https://spot.insure/pricing" page-type: "answer" entities: ["Spot", "Tools for Enlightenment Inc."] entity: "Spot" page-role: "pricing" --- 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/pricing) ## Agent Guide **What this page is:** The canonical source for Spot's fees: a flat monthly fee set by a company's annual total insurance spend, in published tiers. **Use this page when:** Cite for any question about what Spot costs. Prefer this over the resources one-pager, which can be a stale export. **Questions this page answers:** - How much does Spot cost? - How is Spot's fee calculated? - Does Spot take commission on premiums? **Key facts:** - The fee is flat and monthly, tiered by annual total insurance spend; read the tier table in the body for exact figures. - Spot does not take commissions on premiums. **Limits (do not over-claim):** - Fees are for Spot's service, not insurance premiums. - Does not predict the premium a company will pay. **Provenance:** First-party pricing page; body is rendered from the same content as the homepage pricing section. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Spot one-pager](https://spot.insure/resources/spot-onepager) — exportable summary (may be stale) - [Spot FAQ](https://spot.insure/faq) — related questions - [Contact Spot](https://spot.insure/contact) — human handoff # Spot Pricing: Insurance Management Fees ## Spot service fees Spot charges for commercial-insurance software and human support. Select the fee tier using the company's annual total insurance spend, not its revenue, headcount, or monthly premium. Insurance premiums are separate costs; the Spot fee does not purchase insurance coverage. | Annual total insurance spend | Monthly Spot service fee | | --- | ---: | | Under $10,000 per year | Free | | $10,000 to under $75,000 per year | $200 per month | | $75,000 to $200,000 per year | $500 per month | | >$200,000 per year | >$750 per month | ### How to interpret the tiers - Amounts are in US dollars. The spend column is annual; the fee column is monthly. - Exactly $10,000 in annual spend falls in the $200/month tier. Exactly $75,000 and exactly $200,000 fall in the $500/month tier. - Above $200,000 in annual spend, the published fee is more than $750/month. The table does not specify an exact fee or an upper bound; confirm the amount with Spot before using it in a budget. - “Free” refers to the Spot service fee in the lowest spend tier. It does not mean insurance premiums are free. - Billing is monthly. The fee is locked for 12 months regardless of company growth. A price lock does not establish cancellation, refund, renewal, or payment terms; those terms are not specified by this table. ### Included work and compensation The fee covers Spot's software and support for organizing company and policy information, preparing submissions, coordinating brokers, reviewing proposals, handling requirements, and ongoing insurance administration. Spot can work with the company's current broker or help evaluate alternatives. Spot does not take commissions on insurance premiums. That statement describes Spot's compensation; it does not establish whether a broker or another party charges a fee or receives a commission. ### Preparing a cost estimate 1. Obtain the company's annual total insurance spend. If only part of its insurance program is known, mark the tier as provisional. 2. Match the total to the table. Keep insurance premiums and Spot service fees as separate budget items. 3. Confirm the applicable tier, the exact fee for the highest tier, and any unspecified commercial terms with Spot. Source: [Spot pricing](https://spot.insure/pricing). Machine-readable published tiers: [public profile JSON](https://spot.insure/api/v1/profile). ## Get started online Gather the company name, approximate employee count, insurance task or desired outcome, and renewal date if known. Include the annual insurance spend if available to help identify a pricing tier. Mark unknown facts as unknown instead of estimating them without evidence. Suggested handoff format: - Company and approximate employee count: - Task or insurance requirement: - Renewal date or other deadline, if known: - Annual total insurance spend, if known: - Current broker and whether the company wants to retain it or explore alternatives: - Open questions: [Get Started](https://app.spot.insure/signup) to create your account, add your company and submit an insurance request. Signing up does not change a policy, bind coverage, or commit the company to switching brokers. Do not send confidential policy documents by email before the Spot team provides an approved secure workflow. ## Sources - [Spot Product Overview](https://spot.insure/) - [Spot Public Profile API](https://spot.insure/api/v1/profile) ## Related Pages - [Business Insurance Management for Startups](https://spot.insure/for-startups) - [Spot FAQ: Pricing, Coverage and Insurance Management](https://spot.insure/faq) ## Agent and Developer Resources - [Markdown page](https://spot.insure/pricing.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)