---
title: "Pricing"
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."]
---

[Human-readable page](https://spot.insure/pricing)

# Pricing

## 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).

## Prepare a consultation handoff

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:

[Book a free consultation](https://cal.com/team/spotinsure/insurance-consultation) to discuss fit and the applicable fee. Booking 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

- [Spot for startups](https://spot.insure/for-startups)
- [Frequently asked questions](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)