---
title: "Gallagher vs RiskCube"
description: "Compare Gallagher and RiskCube for a startup approaching a transaction, including former Woodruff Sawyer accounts and account-specific service scope."
canonical: "https://spot.insure/compare/gallagher-vs-riskcube"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Gallagher", "RiskCube"]
---

[Human-readable page](https://spot.insure/compare/gallagher-vs-riskcube)

# Gallagher vs RiskCube

Compare Gallagher and RiskCube for a startup approaching a transaction, including former Woodruff Sawyer accounts and account-specific service scope.

## Research Scope and Use

Use this comparison to evaluate Gallagher and RiskCube against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Gallagher offers technology brokerage and executive-risk services, including IPO and M&A support; Woodruff Sawyer is now part of Gallagher. RiskCube markets startup insurance brokerage, digital servicing and AI-related placements. The comparison turns on transaction deliverables and the actual team and producer engaged. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") [17](https://riskcubeai.com/terms "Terms of Service")



## Introduction

A financing that adds directors and a potential acquisition create different insurance questions from a first customer certificate. Gallagher advertises executive-risk work for IPOs and M&A alongside its technology practice. RiskCube markets coverage from early-stage startups through IPO. Stage labels alone do not establish who will handle a particular transaction or what that work costs. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [14](https://riskcubeai.com/ "Startup Business Insurance")

## Documented Provider Strengths

### Gallagher

- Technology specialists for startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)
- Executive-risk and transaction support, including IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)

### RiskCube

- Multi-insurer quote comparisons [14](https://riskcubeai.com/ "Startup Business Insurance") [17](https://riskcubeai.com/terms "Terms of Service") [16](https://riskcubeai.com/disclosures "Disclosures & Compensation") [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)
- Policy, COI and renewal management [14](https://riskcubeai.com/ "Startup Business Insurance") [17](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Gallagher | RiskCube |
| --- | --- | --- |
| Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Generative AI liability | Not listed | Listed [18](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Key person | Not listed | Listed [22](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") |
| Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed |
| Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Not listed |
| Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [20](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") |
| Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Listed [20](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") |
| Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Gallagher and RiskCube

### Turn the Transaction Into a Defined Assignment

Gallagher lists representations-and-warranties insurance and IPO/direct-listing support in its executive-risk practice. RiskCube's catalogue lists D&O and related management liabilities, but those categories do not establish a transaction-specific engagement. Ask both teams for a proposal tied to the deal timetable, entities and documents; an unlisted service is a question for the broker, not proof it cannot arrange it. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [18](https://riskcubeai.com/insurance "Startup Insurance Coverage")

Gallagher also has a separate small-business technology route. Its public pages do not state a universal engagement minimum. A bootstrapped company should establish which team would actually accept the account before attributing every specialist service to its quote. [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor")

### Former Woodruff Sawyer Clients Have a Continuity Question

Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)

Gallagher retains links to former Woodruff Sawyer portals, but the small-business producer disclosure does not establish the contracting producer for every legacy account. A company considering a move to RiskCube should inventory existing policies, documents and pending requests before treating a new platform as a complete account transfer. RiskCube describes policy and certificate servicing; that description does not establish migration of legacy records. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [19](https://riskcubeai.com/faq "Startup Insurance FAQ")

### Match Specialist Support to the Engagement Price

Gallagher's executive-risk practice describes specialized claims advocates, including attorneys. RiskCube describes human-led claims advocacy. These are service descriptions, not evidence of different claim outcomes. Confirm whether transaction-related advice and later claims support sit within the same engagement, and distinguish insurer-appointed counsel from brokerage support. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [19](https://riskcubeai.com/faq "Startup Insurance FAQ")

Gallagher discloses commissions, fees and possible additional carrier compensation. RiskCube's fee-free marketing is qualified by its disclosures allowing client and transaction charges. Compare a written account-specific total rather than an assumed large-broker fee against an assumed free digital broker. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") [16](https://riskcubeai.com/disclosures "Disclosures & Compensation")

## What to Confirm in Quotes

- Which team owns the financing or acquisition review, and which deliverables are included before closing? [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [18](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- For a former Woodruff account, what producer, portal access and open service requests continue after any change? [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")
- What insurer, California route, forms and complete compensation apply to the proposed placement? Published producer identifiers are not product eligibility determinations. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [15](https://riskcubeai.com/licenses "Licenses & Disclosures") [16](https://riskcubeai.com/disclosures "Disclosures & Compensation")



## Service Comparison

Gallagher vs RiskCube: documented services and availability.

| Criteria | Gallagher | RiskCube |
| --- | --- | --- |
| Business role | Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US commercial brokerage and technology practice; company descriptions, not an underwriting designation.; verified: 2026-09-16.)<br><br>Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)<br><br>Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.; verified: 2026-09-16.) | RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC. Its parent, RiskCube, Inc., supplies the platform and operational support; third-party insurers issue coverage. [17](https://riskcubeai.com/terms "Terms of Service") [16](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) |
| Customer focus | Gallagher markets a technology-specialist practice to startups, middle-market businesses and global enterprises, alongside a small-business offering for IT professionals and technology businesses. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)<br><br>The reviewed technology and small-business pages do not state a minimum premium, funding round or revenue requirement for engaging the team. Ask which service model applies to a bootstrapped business. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") (Evidence: Not publicly disclosed; scope: Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.; verified: 2026-09-16.) | RiskCube markets to venture-backed startups from pre-seed through IPO and to other growing businesses, including small businesses. Its stated sectors include SaaS, AI, fintech, GovTech, space and Web3. [19](https://riskcubeai.com/faq "Startup Insurance FAQ") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) |
| Servicing and renewals | Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Company-described technology-practice tools; no logged-in testing or universal account entitlement.; verified: 2026-09-16.)<br><br>For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Transition-page descriptions; no portal functionality tested.; verified: 2026-09-16.)<br><br>Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty-practice service description, not a promise for all small-business engagements.; verified: 2026-09-16.) | RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. [14](https://riskcubeai.com/ "Startup Business Insurance") [17](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)<br><br>RiskCube says it reviews vendor insurance requirements and checks requested endorsements, including additional insured and waiver-of-subrogation language. Its terms warn that AI-assisted output can be incomplete or inaccurate. [19](https://riskcubeai.com/faq "Startup Insurance FAQ") [17](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) |
| Fees and compensation | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | RiskCube’s homepage and FAQ advertise no added broker fees, but its compensation disclosure allows agreed service fees and payment-processing charges. It also describes insurer or intermediary commissions and possible performance incentives. The scope of the fee-free claim needs written clarification for the requested services. [14](https://riskcubeai.com/ "Startup Business Insurance") [19](https://riskcubeai.com/faq "Startup Insurance FAQ") [16](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Conflicting sources; scope: Marketing/legal disclosure tension; not a finding that any individual client has been charged an undisclosed fee. No specific commission rate or service fee schedule established.; verified: 2026-09-16.) |

## Related Reading

- [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher)
- [What Is RiskCube Insurance?](https://spot.insure/insurance-providers/riskcube)

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## Sources

### [Gallagher Official Website](https://www.ajg.com/)

1. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
2. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16.
4. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16.
8. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
10. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16.
11. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16.
12. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16.
13. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

### [RiskCube Official Website](https://riskcubeai.com/)

14. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
15. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
16. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
17. [Terms of Service](https://riskcubeai.com/terms). RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
18. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; All coverage types. Accessed 2026-09-16.
19. [Startup Insurance FAQ](https://riskcubeai.com/faq). RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
20. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Introduction; application FAQ; AI & enterprise risk. Accessed 2026-09-16.
21. [Credit Insurance for Startups](https://riskcubeai.com/insurance/credit-insurance). RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
22. [Key Person Life Insurance for Startups](https://riskcubeai.com/insurance/life-insurance). RiskCube; Introduction; timing FAQ; closing placement invitation. Accessed 2026-09-16.
23. [Key Person Life Insurance Notice](https://riskcubeai.com/key-person-notice). RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
24. [Contact RiskCube](https://riskcubeai.com/apply). RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
25. [Contact RiskCube](https://riskcubeai.com/insurance/ai). RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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