Switch from Chubb

Switching from Chubb? Compare your options with Spot

Spot reads the Chubb program your agent or broker placed and takes it to market, from a small business package to technology and management liability.

  • Your agent or broker can stay in the loop
  • Technology and management liability read clause by clause
  • Chubb coverage continues until the replacement binds
A business owner and adviser move a cream policy folder beside a navy binder while checking a laptop at a compact desk.

How it works

Send the Chubb program

Share each policy, its declarations page and the name of the agent or broker who placed it. Your Spot team notes whether the paper is admitted or surplus lines and which Chubb company is named.

Maple Street Co.Organized by Spot

We read the details underwriters care about

For technology programs, your Spot team notes the definitions of professional services, media and cyber grants and any conditions tied to security practices, and measures replacements against them.

General liability insurance

Maple Street Co. · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Brokers carry it to other insurers

Spot prepares one submission, then works with brokers to approach insurers that write your lines. Anything they ask appears in your shared Slack channel.

# spot-support

AlexMaple Street Co.

Can we explore other brokers for our general liability insurance?

RileySpot

Let’s review the information and discuss the next steps with your broker.

Decide, then bind

You compare proposals on retentions and wording as well as price. Your Spot team helps you bind and keeps the new documents with the old ones.

Insurance documents

Broker review

General liability insurance

Coverage limits · Policy terms

Maple Street Co.

Moving from Chubb

Chubb is an agent-distributed commercial insurer. It writes everything from business owner’s policies for eligible small firms to DigiTech ERM for technology businesses and management liability for smaller private companies through ForeFront. Most commercial buyers reach Chubb through an independent agent or broker.

Why businesses consider switching

  • 01

    Your company changed shape

    Fundraising, new products or a larger headcount can change which cyber, management liability or technology cover makes sense.

  • 02

    A customer contract tightened

    Enterprise customers often ask for specific technology E&O or cyber wording, and your program needs to match.

  • 03

    Your renewal looks different

    New terms or a new premium are a reasonable prompt to ask what else the market offers.

  • 04

    You want your lines on one schedule

    Package, financial lines and umbrella often renew on different dates when placed over time.

How to switch without a gap

  • 01

    Ask your agent or broker for renewal terms

    Most commercial buyers reach Chubb through one. They hold the renewal date, notice rules and cancellation steps.

  • 02

    Start proposals well ahead of renewal

    Technology and management liability submissions take care to prepare, so allow room to compare.

  • 03

    Confirm the replacement is bound before anything ends

    Get written confirmation of each new policy’s start date. Keep every Chubb policy until then.

  • 04

    Have the placing broker handle cancellation

    Because they sit between you and Chubb, ask them to send cancellation in writing and confirm any return premium.

Coverage to consider

  • General liability

    Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.

    Get quotes
  • Business owner’s policy

    Buy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.

    Get quotes
  • Commercial property

    Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.

    Get quotes
  • Cyber liability

    Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.

    Get quotes
  • Technology errors and omissions (E&O)

    Tech E&O with Spot for software, hosting and integration companies: every service described, contracts read against proposals, and certificates for customers.

    Get quotes
  • Directors and officers

    Buy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file.

    Get quotes
  • Workers’ compensation

    Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.

    Get quotes
  • Umbrella and excess liability

    Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.

    Get quotes

Common questions

Who do I talk to about ending a Chubb policy?

The agent or broker who placed it is your first call, because most commercial buyers reach Chubb through one. They can explain the cancellation steps, and your Spot team can work alongside them.

Can Spot compare a technology program like DigiTech ERM?

Yes. Your Spot team prepares the submission around your technology E&O, cyber and media exposures, and brokers approach insurers that write them.

Does Chubb endorse Spot?

No. Spot isn’t affiliated with Chubb and neither endorses nor represents the other. The Chubb name is used here to say which program you hold.

Is moving mid-term sensible?

Sometimes. Review the cancellation terms with your broker, expect to make a case for any early return premium, and bind the new policy before you end the old one.

Do I give up my broker?

Not at all. Spot doesn’t take commissions on premiums and works with brokers, including the one who placed your Chubb policy.

Get insurance off your to-do list.

Spot reads the Chubb program your agent or broker placed and takes it to market, from a small business package to technology and management liability.

Get Started