---
title: "RiskCube vs TechInsurance"
description: "Compare RiskCube and TechInsurance for a software business choosing a quote-comparison broker, with technology coverage, corporate ties and placement incentives in view."
canonical: "https://spot.insure/compare/riskcube-vs-techinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "RiskCube", "TechInsurance"]
---
[Human-readable page](https://spot.insure/compare/riskcube-vs-techinsurance)
# RiskCube vs TechInsurance
Compare RiskCube and TechInsurance for a software business choosing a quote-comparison broker, with technology coverage, corporate ties and placement incentives in view.
## Research Scope and Use
Use this comparison to evaluate RiskCube and TechInsurance 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
RiskCube markets startup brokerage with AI-related placements and contract support. TechInsurance is an SPG-operated agency within Insureon and HUB, offering a single application and a technology E&O/cyber proposition. Both require quote-specific confirmation of markets, fees and service responsibilities. [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") [4](https://riskcubeai.com/terms "Terms of Service") [14](https://www.techinsurance.com/about-us "About TechInsurance") [19](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [22](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure")
## Introduction
A software business can submit one intake and still receive proposals that differ materially in coverage and support. RiskCube and TechInsurance both describe consolidated applications for insurance shopping. The useful comparison begins with what each broker will send to markets, which quotes come back and who will handle the account afterward. [6](https://riskcubeai.com/faq "Startup Insurance FAQ") [14](https://www.techinsurance.com/about-us "About TechInsurance")
## Documented Provider Strengths
### RiskCube
- Multi-insurer quote comparisons [1](https://riskcubeai.com/ "Startup Business Insurance") [4](https://riskcubeai.com/terms "Terms of Service") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") [5](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 [1](https://riskcubeai.com/ "Startup Business Insurance") [4](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.)
### TechInsurance
- One application to compare multiple insurance quotes [14](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)
- Technology E&O and cyber coverage marketed together [19](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.)
## Coverage Comparison
| Coverage Type | RiskCube | TechInsurance |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Commercial auto | Not listed | Listed [13](https://www.techinsurance.com/ "Technology Business Insurance") |
| Commercial property | Not listed | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Crime | Listed [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") | Not listed |
| Cyber liability | Listed [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Directors and officers | Listed [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Employment practices liability | Listed [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Fidelity bonds | Not listed | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Fiduciary liability | Listed [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") | Not listed |
| General liability | Listed [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Generative AI liability | Listed [5](https://riskcubeai.com/insurance "Startup Insurance Coverage") | Not listed |
| Key person | Listed [9](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") | Not listed |
| Professional liability / E&O | Not listed | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Surety bonds | Not listed | Listed [15](https://www.techinsurance.com/contact-us "Contact Us") |
| Technology errors and omissions | Listed [7](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") | Listed [19](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") |
| Tools, equipment and inland marine | Not listed | Listed [20](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") |
| Umbrella and excess liability | Listed [7](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Workers’ compensation | Not listed | Listed [18](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
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 RiskCube and TechInsurance
### Identify the Agency Behind the Application
TechInsurance describes itself as part of Insureon and HUB; its operating entity is Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. The historical sale of the technology platform to Bold Penguin does not make that platform the policy insurer. RiskCube identifies its brokerage LLC separately from its parent and third-party insurers. These are broker proposals, not competing promises to underwrite the loss themselves. [14](https://www.techinsurance.com/about-us "About TechInsurance") [22](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") [4](https://riskcubeai.com/terms "Terms of Service") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation")
If a founder has already approached Insureon or HUB, ask whether a TechInsurance application reaches the same team or markets. The corporate ties establish a reason to coordinate submissions, not proof that the resulting quotes will be identical. [24](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") [15](https://www.techinsurance.com/contact-us "Contact Us")
### Translate the Technology Labels Into Sections
TechInsurance markets technology E&O as a bundle with cyber liability. RiskCube additionally describes AI-related errors, IP and excess placements. Neither description proves how first-party loss, client liability and AI activities are treated in the offered form. Request a section-by-section explanation using the same product description and customer contract for both applications. [19](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [7](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [5](https://riskcubeai.com/insurance "Startup Insurance Coverage")
TechInsurance names partner brands, while RiskCube markets comparison across insurers. Neither a partner list nor a multiple-quote promise identifies the actual issuing entity. [20](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") [1](https://riskcubeai.com/ "Startup Business Insurance")
### Ask What Happens After Quote Comparison
TechInsurance describes a dedicated account manager and certificate access, with urgent certificate requests directed to that manager. Its claims guidance generally routes notice to the carrier and offers help finding policy or contact information. RiskCube describes contract review and human-led claims advocacy. This is a difference in the public service descriptions, not evidence that one team produces better claims outcomes. [15](https://www.techinsurance.com/contact-us "Contact Us") [23](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim "How Do I File a Business Insurance Claim?") [6](https://riskcubeai.com/faq "Startup Insurance FAQ")
SPG discloses possible strategic-carrier incentives and client fees. RiskCube also discloses commissions and possible charges that qualify its fee-free marketing. Ask which markets were approached and obtain the complete compensation disclosure alongside the quote comparison. [22](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation")
## What to Confirm in Quotes
- Which E&O and cyber sections respond to the company's own loss and its customer liabilities, and how are AI activities described? [19](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [7](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")
- Will prior Insureon or HUB submissions overlap with this application, and which markets were actually contacted? [14](https://www.techinsurance.com/about-us "About TechInsurance") [20](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")
- Who handles renewal remarketing, contract endorsements and urgent claim notice, and what is included in the quoted charges? [15](https://www.techinsurance.com/contact-us "Contact Us") [22](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") [6](https://riskcubeai.com/faq "Startup Insurance FAQ") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation")
## Service Comparison
RiskCube vs TechInsurance: documented services and availability.
| Criteria | RiskCube | TechInsurance |
| --- | --- | --- |
| Business role | 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. [4](https://riskcubeai.com/terms "Terms of Service") [3](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.) | TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [15](https://www.techinsurance.com/contact-us "Contact Us") [21](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [22](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)
TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [14](https://www.techinsurance.com/about-us "About TechInsurance") [15](https://www.techinsurance.com/contact-us "Contact Us") [24](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) |
| Application process | RiskCube describes one digital intake followed by AI-assisted and broker-reviewed quote comparison and digital purchase. The public application URL reviewed displayed a contact form rather than a complete underwriting flow. [1](https://riskcubeai.com/ "Startup Business Insurance") [11](https://riskcubeai.com/apply "Contact RiskCube") (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.)
For technology E&O, RiskCube asks for product, customer, revenue and contract details, plus prior claims or known incidents. It qualifies its advertised quote timing by risk profile and underwriting complexity. [7](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (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.)
RiskCube’s terms say quotes are not binders: written confirmation from the insurer or its authorized representative and required conditions must be satisfied before coverage is bound. [4](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.) | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. [14](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)
TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. [15](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Public quote-account instructions; no universal turnaround time established.; verified: 2026-09-16.) |
| Access to insurers | RiskCube says it compares multiple insurers. Its terms permit placements through surplus-lines channels; the reviewed legal disclosures and catalogue do not identify the issuing insurer for a specific California applicant. [1](https://riskcubeai.com/ "Startup Business Insurance") [4](https://riskcubeai.com/terms "Terms of Service") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") [5](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.) | TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. [20](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") (Evidence: Company-reported; scope: Partner names are commercial brands; no policy declarations or product-specific insurer allocation inspected.; verified: 2026-09-16.) |
| Servicing and renewals | RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. [1](https://riskcubeai.com/ "Startup Business Insurance") [4](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.)
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. [6](https://riskcubeai.com/faq "Startup Insurance FAQ") [4](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.) | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. [13](https://www.techinsurance.com/ "Technology Business Insurance") [15](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Documented service description, not tested service speed or quality.; verified: 2026-09-16.)
The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. [14](https://www.techinsurance.com/about-us "About TechInsurance") [15](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Not publicly disclosed; scope: Scoped public-information gap; does not establish that these services are unavailable.; verified: 2026-09-16.) |
| Fees and compensation | 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. [1](https://riskcubeai.com/ "Startup Business Insurance") [6](https://riskcubeai.com/faq "Startup Insurance FAQ") [3](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.) | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [21](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [22](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)
SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [22](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) |
## Related Reading
- [What Is RiskCube Insurance?](https://spot.insure/insurance-providers/riskcube)
- [What Is TechInsurance?](https://spot.insure/insurance-providers/techinsurance)
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## Sources
### [RiskCube Official Website](https://riskcubeai.com/)
1. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
2. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
3. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
4. [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.
5. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; All coverage types. Accessed 2026-09-16.
6. [Startup Insurance FAQ](https://riskcubeai.com/faq). RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
7. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Introduction; application FAQ; AI & enterprise risk. Accessed 2026-09-16.
8. [Credit Insurance for Startups](https://riskcubeai.com/insurance/credit-insurance). RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
9. [Key Person Life Insurance for Startups](https://riskcubeai.com/insurance/life-insurance). RiskCube; Introduction; timing FAQ; closing placement invitation. Accessed 2026-09-16.
10. [Key Person Life Insurance Notice](https://riskcubeai.com/key-person-notice). RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
11. [Contact RiskCube](https://riskcubeai.com/apply). RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
12. [Contact RiskCube](https://riskcubeai.com/insurance/ai). RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.
### [TechInsurance Official Website](https://www.techinsurance.com/)
13. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16.
14. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
15. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16.
16. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
17. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
18. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
19. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
20. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16.
21. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
22. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
23. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim). TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
24. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. 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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