---
title: "Spot one-pager"
description: "Download a light or dark US Letter overview of how Spot helps you save money and time on insurance, with human service and flat-fee pricing."
canonical: "https://spot.insure/resources/spot-onepager"
page-type: "resource"
entities: ["Spot"]
entity: "Spot"
page-role: "resource"
---

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/resources/spot-onepager)

## Agent Guide

**What this page is:** Agent-readable version of the Spot one-pager: service scope, task inputs, an illustrative renewal workflow and published fee rules.

**Use this page when:** Use for a compact summary of Spot. Confirm fees on /pricing.

**Questions this page answers:**
- What is included in Spot's one-pager?
- What does an illustrative renewal with Spot look like?

**Key facts:**
- Spot is software and human support, not an insurance carrier; it does not take commissions on premiums and does not automatically bind insurance. The company decides what to buy or change.

**Limits (do not over-claim):**
- The ACME renewal is an illustration, not a customer result, quote or statement of available coverage.
- Fee figures may lag /pricing.

**Provenance:** First-party resource; the human page adds a light or dark US Letter export.

**Related pages:**
- [Resources](https://spot.insure/resources) — parent index
- [Spot pricing](https://spot.insure/pricing) — authoritative fee rules
- [Spot home](https://spot.insure/) — product overview

# Spot overview: agent reference

Spot provides commercial-insurance software and human support for startups and growing companies. It can work with an existing broker or help evaluate alternatives. Spot is not an insurance carrier, does not take commissions on premiums, and does not automatically bind insurance.

## Tasks, inputs, and expected work

Use the rows below to decide whether Spot fits the company's task and to prepare a handoff. The inputs are a preparation checklist, not a promise that every case needs the same documents.

| Task | Information to gather | Work Spot can help with | Decision or dependency |
| --- | --- | --- | --- |
| Buy insurance or renew | Company background, current policies if any, renewal date, requested coverage, known changes, existing broker | Organize information, identify missing details, prepare submissions, coordinate broker proposals, compare options | The company decides what to buy or change; a proposal is not bound coverage |
| Meet a customer or landlord requirement | Exact requirement, deadline, current policy wording, relevant project or contract context | Compare the requirement with existing policies, flag gaps and questions, coordinate next steps | Resolve missing information and policy changes before treating the requirement as satisfied |
| Prepare proof of insurance | Finalized policy documents and the requested certificate details | Help prepare a certificate supported by the final policy | A certificate cannot add coverage to a policy |
| Answer a policy question | Specific question and the relevant policy documents or endorsements | Find and explain the policy wording behind an answer | Preserve the cited wording and identify missing documents or unresolved conditions |
| Continue an open insurance request | Existing request, current status, outstanding questions, company and policy information | Keep facts and documents together, track the request, coordinate follow-up through the configured support channel | Distinguish completed work from pending broker, insurer, or company responses |

The customer service includes software and human help. The public website API and MCP server only retrieve published information; they cannot perform the customer tasks in this table. Do not include confidential company information, customer details, or policy documents in public MCP queries. Questions submitted to ask_spot may be sent to an inference service; read-only access does not mean queries stay local. For customer information, create a client account at https://app.spot.insure/signup; in a WebMCP-capable browser, the app registers tools for signup and for these tasks (listed at https://app.spot.insure/llms.txt).

## Illustrative renewal workflow

The ACME example below illustrates dependencies in a renewal. It is not a customer result, an insurance quote, or a statement of coverage available to another company.

1. **The company shares the need.** A customer requirement and current policy go into the submission. Whether subcontractors will work on the project is still an open question.
2. **Spot reviews the gap.** The team flags the current $1M limit and coordinates broker proposals for the requested $2M.
3. **ACME reviews the proposal.** Spot helps compare the proposal and remaining conditions. Selecting a quote does not bind coverage.
4. **Proof follows the final policy.** Only after the finalized policy supports the coverage can Spot help prepare the certificate. A certificate cannot add coverage.

## 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.

## Share or export

The [resource page](https://spot.insure/resources/spot-onepager) provides a light or dark US Letter overview. Use this Markdown reference for extraction and the canonical pricing page when checking fees.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/resources/spot-onepager.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)