Anyone Out There? It’s Us, Spot.

July 27, 2021

It’s time to come out of hiding, share what we’ve been building and fill you in on why Spot is going to lead the market in accident (injury) insurance. Searching for the right insurance can be overwhelming—and, truthfully, mind-numbing at times. Let’s be honest—many of us have been bent over a barrel when it comes to auto, renters, or homeowners insurance—so we totally understand if you’re wondering: “who can I trust?”

While Spot is a type of insurance, we can promise you that we are not your average player. We’re here to break traditional perceptions, to serve our community and to transform the insurance-buying experience from a “grudge purchase” to a lifestyle choice that will help you embrace your inner daredevil (swimming with sharks, anyone?).

Who We Are

We get it...we’re newer to the market; we aren’t a 65-year-old company that a duck made famous. We’re entrepreneurs and former corporate executives that have set out to make insurance affordable, meaningful, and transparent. It’s our mission to relate to our community and deliver insurance with a modern and scalable twist. We want to provide customers the ability to purchase when they want (seamlessly and conveniently), not at the whim of someone else having to pick up the phone.

We’re building a community that makes insurance as simple and approachable as possible, starting with transparency. We break down what we do, who we are, what we cover, and what we don’t—we’re an open book…without insurance jargon.

Women in the United States make approximately 80% of the health care decisions for their families. As a female founder, I want Spot to connect to the entire community, not just the folks who watch football.

Advocating for Change

The incumbents out there have done an incredible job setting a baseline and covering basic expenses. That said, we can do so much more for our customers by building community and working to prevent hardship and bankruptcy (66.5% of bankruptcies in the US are tied to medical issues*). Yes, there’s ACA and the re-opening of enrollment, but that alone is not enough.

Despite gains in coverage and access to care from the ACA, our findings suggest that it did not change the proportion of bankruptcies with medical causes.

-- An article* on the study published in the American Journal of Public Health states.

Live More than a Little

Spot Accident Insurance (TM) isn’t a schedule of benefits, paying you a set amount based on the body part you injured or the type of injury you’ve incurred. We’re making a difference in our customers’ lives by providing meaningful coverage that actually covers out-of-pocket medical expenses, not just the basics—because the basics don’t pay the bills.

If you’re looking for insurance that actually gets you, has your back (even when it’s broken) and will help you recover, Spot is the easy choice—because we want you to live more. Either way, injury insurance can change the way you live and we encourage everyone to learn a bit more at

The industry is full of legacy companies with thoughtful leadership, strong track records and more money than you and I combined would know what to do with. Without pushing the boundaries and advocating for meaningful change, nothing will change. As Henry Ford said, “If You Always Do What You've Always Done, You'll Always Get What You've Always Got.”

There’s no “that’s the way it’s always been done” at Spot. We’ll always push the boundaries for better outcomes in the insurance world, we can promise you that. So get out there and live more than a little…we dare you.

Partner With Spot

We are proudly integrated across partners in just about every outdoor space offering a service your customers will love. Through our tech solution and world-class customer experience, we are bringing the best injury coverage to your customers who desperately need it.

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