--- title: "Insurtechs and Insurance Agencies" description: "Insurtechs, insurance agencies and MGAs use Spot to buy errors and omissions, cyber and crime coverage that describes each role they play for carriers." canonical: "https://spot.insure/insurance-for/insurance" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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/insurance-for/insurance) ## Agent Guide **What this page is:** Insurtechs, insurance agencies and MGAs use Spot to buy errors and omissions, cyber and crime coverage that describes each role they play for carriers. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Insurtechs and Insurance Agencies Get quotes from insurtech and agency insurance providers with Spot. We get quotes for your agency or insurtech, compare them with you and help you meet what your carrier agreements require. - Software, agency and delegated work described separately - Carrier and program agreements checked against your policies - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=professional-errors-omissions&industry=insurance&icp=financial-services). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us every role you play.** Your Spot team lists, entity by entity, whether you supply software or also market, place, bind, service or adjust coverage, and puts each role into the application. 2. **Check carrier agreements against your coverage.** Program and partnership agreements set notice, continuity, indemnity and insurance terms. Send them and Spot checks your policies against each requirement. 3. **Compare quotes on errors, breaches and theft.** After the submission goes out through your broker, Spot maps a placement error, a rating bug, a policyholder data breach and a redirected premium payment to the actual forms. 4. **Tell us when your authority changes.** A new program, state or claims vendor changes your exposure. Post it in your shared Slack channel so your Spot team can update the submission with your broker before it takes effect. ## Who we help - **Insurance software vendors.** Carriers and agencies rely on your quoting, rating, policy administration or claims software, and a failure can cost them money. - **Agencies and digital brokers.** You advise on, sell and place coverage, so professional errors and omissions has to name those acts and the entities doing them. - **MGAs and program administrators.** Delegated authority, premium handling and carrier contracts add crime and professional questions on top of your software. - **Claims and servicing companies.** You hold policyholder financial or health information and may move settlement funds, which brings both cyber and crime questions. ## Coverage - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions) - [Cyber liability](https://spot.insure/insurance/cyber) - [Crime](https://spot.insure/insurance/crime) - [Directors and officers](https://spot.insure/insurance/directors-officers) - [Employment practices liability](https://spot.insure/insurance/employment-practices) ## When to get this coverage - **You’re launching a new program with a carrier.** The agreement sets your duties and insurance requirements. Check them against your policies before the program goes live. - **Your delegated authority is expanding.** Binding or claims authority changes what your professional coverage needs to name, so the application should change before the authority does. - **You’re starting to handle premium or claim funds.** Crime wording needs to say whose money is insured and which transfer methods and instructions apply. - **You’re raising money or adding board members.** Investors and new directors bring directors and officers questions, including insurance-activity exclusions. - **You’re hiring producers and claims staff.** New employing entities and worker groups belong in your employment practices quote. ## Common questions Also known as insurtech insurance, insurance agency insurance, insurance agent insurance, insurance broker insurance, insurance agency E&O, MGA insurance and managing general agent insurance. ### What insurance does an MGA need? Errors and omissions for the underwriting, binding or claims work you do under carrier agreements, plus cyber for policyholder data, crime for premium you hold, D&O and employment practices. Carrier agreements often name limits, and Spot checks each proposal against them. ### Will our technology errors and omissions policy cover agency work? Don’t assume it will. Software, producer services and delegated work are different operations. Spot asks each insurer which are listed and how the form treats them. ### Does our producer license show that our own policy fits? No. A license lookup, such as California’s, confirms a licensee’s status and discipline history. It says nothing about whether a policy fits your business. ### Is premium we hold for carriers covered by crime insurance? Only if the form insures that property. Spot asks whose money is covered and which people, instructions and transfer methods the wording includes. ### We’re in insurance ourselves. Why use Spot for our own coverage? Buying your company’s own professional, cyber and crime coverage is a separate job from the products you sell. Spot prepares the submission, compares proposals and checks carrier agreement requirements, while your broker, or a new one if you switch, places it. Spot takes no commission on the premiums you pay. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/insurance.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)