---
title: "Switch from Coalition"
description: "Compare cyber and technology E&O proposals with Spot so you can see your options before your Coalition policy renews."
canonical: "https://spot.insure/switch-from/coalition"
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/coalition)

## Agent Guide

**What this page is:** Compare cyber and technology E&O proposals with Spot so you can see your options before your Coalition policy renews.

**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 Coalition? Compare your options with Spot

Coalition cyber, technology E&O and executive-risks policies are placed through brokers, and your Spot team takes the same details to other markets so you can read the results next to your current wording.

- Cyber and technology E&O compared as a pair or apart
- Security services listed beside each proposal
- Your renewal date tracked so you start early

[Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=cyber&icp=startups)

## How it works

- **Send your Coalition policy and renewal date.** Upload the declarations page, the cyber and technology E&O forms and any executive-risks policy. Your Spot team notes which insurer issued each one, since admitted and surplus placements can use different companies.
- **Tell us what you build and promise.** Your Spot team writes down what you build, host or advise on, and which obligations your customer contracts put on you. A technology E&O application can need underwriter review before a price is released, so this description gets written once and carefully.
- **Follow the broker responses in Slack.** Brokers take the submission to insurers, and you see what comes back in your shared channel. Ask your Spot team why a quote carries a condition and they will find it in the proposal.
- **Compare wording, services and cost, then bind.** Your Spot team lines up limits, retentions, exclusions and any security services each proposal includes. When you choose, we help you bind before the Coalition policy ends.

Coalition sells cyber insurance through brokers and pairs it with its Control security monitoring. Technology companies can add technology E&O to the same program, and private and nonprofit US organizations can buy executive-risks coverage such as D&O, employment practices, fiduciary and crime. Applications for technology E&O can need review before a price is released.

## Why businesses consider switching

- **Your renewal terms changed.** A new premium, retention or exclusion at renewal is a reasonable moment to see what the wider market would offer for the same cyber and technology profile.
- **Customers now ask for tech E&O.** Companies that started with cyber often add technology E&O once enterprise customers write service failures into their contracts.
- **You want management liability on the same program.** Once you have a board or investors, directors and officers, employment practices and crime cover tend to join the conversation.
- **You’d rather have a person run it.** Some founders prefer a team that tracks renewals, certificates and questionnaires over handling them alone.

## How to switch without a gap

- **Find the renewal date and any notice terms.** Your declarations page shows the end date. Read the renewal offer for changes to limits, retentions and endorsements.
- **Collect proposals while the policy is still running.** Technology applications can need review, so leave enough time for underwriters to ask questions and for you to read the answers.
- **Bind the new policy, then end the old one.** Keep the Coalition policy in force until the replacement is bound in writing. Cyber and technology E&O are usually claims-made, so check retroactive dates and prior-acts wording before anything ends.
- **Cancel through the broker who placed it.** Coalition sells through brokers, so the broker on your policy handles the cancellation request and any return premium. Then issue fresh certificates of insurance from the Spot app for the customers who hold copies.

## Coverage

- [Cyber liability](https://spot.insure/insurance/cyber/quotes)
- [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes)
- [Directors and officers](https://spot.insure/insurance/directors-officers/quotes)
- [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes)
- [Crime](https://spot.insure/insurance/crime/quotes)
- [Fiduciary liability](https://spot.insure/insurance/fiduciary/quotes)
- [Media liability](https://spot.insure/insurance/media/quotes)
- [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes)

## Common questions

### Do I lose security monitoring if I change cyber policies?

Coalition pairs its policy with Control, its monitoring service, so check what you rely on before you move. Your Spot team lists the services and requirements each proposal comes with, so you compare the whole package.

### Can Spot compare my cyber and tech E&O together?

Yes. If both sit on one program today, we can ask brokers for a combined quote and for separate ones, so you see what splitting them would change.

### Is Spot connected to Coalition?

No, Spot has no affiliation with Coalition. We name it here only so you know which policy this page is about.

### Can I leave Coalition partway through the term?

Possibly, but the policy’s cancellation clause and any return premium rules decide it. Because cyber and technology E&O pay on claims-made terms, your Spot team checks the new policy’s retroactive date first.

### Will Spot take a commission if I switch?

Spot doesn’t earn commissions on premiums. The brokers we work with place the policy, and you can keep the broker you already have.

## More

- [Switch providers](https://spot.insure/switch-insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/switch-from/coalition.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)