--- title: "Switch from CNA" description: "Compare liability, workers’ compensation, professional and management liability proposals with Spot ahead of your CNA renewal." canonical: "https://spot.insure/switch-from/cna" 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/switch-from/cna) ## Agent Guide **What this page is:** Compare liability, workers’ compensation, professional and management liability proposals with Spot ahead of your CNA renewal. **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 # Switching from CNA? Compare your options with Spot Spot reads your CNA policies part by part and asks brokers to quote the same pieces, with your agent included for as long as you like. - Package parts listed and compared one for one - Your agent can stay on the thread - Your CNA policy runs until the new one binds [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability) ## How it works - **Send the CNA policies and your agent’s name.** Hand over each policy and declarations page, along with the name of the agent who placed them. Your Spot team records the CNA company that issued each, since availability and issuer can vary by state. - **We split any package into parts.** A CNA program may combine property, general liability, media or professional cover. Your Spot team lists each part with its limit and deductible, so nothing is lost in translation. - **Brokers quote the same parts.** Spot works with brokers to approach insurers that write your lines. Questions come back to you in your Slack channel, and your agent can be copied if you want. - **Decide and bind.** Proposals sit side by side on limits and exclusions. Your Spot team helps you bind, and your next renewal is brought forward once the new policy is in place. CNA lists small-business and commercial insurance products and directs small-business buyers to agents. Policy issuer and state availability vary. Its catalogue spans business owner’s, workers’ compensation, professional liability, management liability and specialty lines such as surety and inland marine. ## Why businesses consider switching - **A package stopped fitting.** New services, vehicles or staff can leave gaps in a bundle built for a smaller business. - **Your renewal looked different.** Changed pricing or terms are a normal prompt to compare. - **A specialty line needs a specialist.** Surety, inland marine or management liability sometimes call for another insurer. - **You want more than a policy service desk.** Tracking contract requirements and certificates is work a team can do alongside your agent. ## How to switch without a gap - **Ask your agent about timing.** CNA points small-business buyers to agents, so yours knows the policy period and the notice terms. - **Request quotes for each component.** A package label can hide a missing coverage, so ask brokers to price each piece. - **Hold the new policy in writing before you move.** Its effective date should be confirmed in a document. CNA coverage continues until then. - **Ask your agent to cancel.** Request it in writing, then keep the confirmation and any refund statement. ## Coverage - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Business owner’s policy](https://spot.insure/insurance/business-owners-policy/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial auto](https://spot.insure/insurance/commercial-auto/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes) ## Common questions ### Do I have to go through my agent to shop? You don’t have to, though your agent is the person to ask about renewal terms and cancellation. Spot works alongside agents and brokers, so you can include yours or compare on your own first. ### Can Spot compare a package that includes media and professional liability? Yes. If your CNA program combines professional, media or management liability, your Spot team asks for proposals on the same components so you can compare them one for one. ### Is CNA connected to Spot? There is no connection. Spot isn’t affiliated with CNA, and its name here only helps you find your own situation. ### How do timing and cancellation work? Your policy’s terms decide. Moving at renewal is simplest, and in any case the new policy should bind before the CNA one is cancelled. ### Will Spot take a commission from my premium? Premiums carry no Spot commission, and brokers work with us rather than against us. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/cna.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)