--- title: "Switch from Embroker" description: "Compare brokers with Spot and move your D&O, cyber and tech E&O program away from Embroker without a gap in coverage." canonical: "https://spot.insure/switch-from/embroker" 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/embroker) ## Agent Guide **What this page is:** Compare brokers with Spot and move your D&O, cyber and tech E&O program away from Embroker without a gap in coverage. **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 # Moving your insurance program from Embroker? Compare brokers with Spot Embroker’s online account doesn’t make it your broker by itself, so your Spot team first checks what you actually signed. - Check whether a broker appointment applies - Download policies and certificates before you go - D&O and tech E&O dates side by side [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=directors-officers&icp=startups) ## How it works - **Share what you signed with Embroker.** Send your policy PDFs, your Embroker terms and any broker of record form. Your Spot team notes which parts are account access and which are an appointment. - **We read the management and technology wording.** Your Spot team compares D&O, employment practices, tech E&O and cyber terms with your investor and customer requirements. - **Ask the next broker about proprietary programs.** Your Spot team helps you ask whether a candidate can renew any Embroker-written program, or whether you would need a different policy. - **Plan the handover around each renewal.** Your Spot team helps you pick a letter or a renewal handover for each policy and keeps your coverage in force until the new broker confirms. Embroker is an online business broker for startups, technology and professional-services companies. It lists individual coverages such as D&O, cyber, employment practices and general liability, along with management and technology programs. Its profile notes that using Embroker’s brokerage requires a broker-of-record appointment, and an online account alone does not appoint it. ## Why businesses consider switching - **Your needs outgrew an online account.** Funding, hiring and larger customers can call for a broker who talks you through each decision, not only an online dashboard. - **You want an industry specialist.** Legal, investment and technology businesses sometimes want a broker who spends its days in their field. - **You want your own broker to place everything.** Some companies prefer one broker across every policy instead of splitting servicing between an online platform and others. - **You’re comparing how brokers are paid.** Brokers explain commissions and fees differently. Buyers often compare these before committing. ## How to switch without a gap - **Find out what your appointment covers.** Embroker’s terms say brokerage work needs a broker of record appointment. Check which policies and services yours includes, and the notice it asks for. - **Ask what a new broker can renew.** Some programs are written only through Embroker or its appointed brokers. Ask each candidate whether it can renew yours or would propose a different policy. - **Save your documents first.** Download policy PDFs and certificates while you still have access. Your Spot team keeps them with your other policies. - **Keep coverage until the new broker confirms.** Don’t cancel anything early. After written confirmation, generate new certificates in Spot and update contacts on your contracts. ## Coverage - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes) - [Management liability](https://spot.insure/insurance/management-liability/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Business owner’s policy](https://spot.insure/insurance/business-owners-policy/quotes) ## Common questions ### Does having an Embroker account make them my broker? Not by itself. According to its terms, an online account alone does not appoint Embroker; using its brokerage takes a broker-of-record appointment. Your Spot team helps you check what you signed so you know exactly what a change affects. ### Can I move my D&O and tech E&O together? Yes, and it usually helps to. Those policies often renew on different dates, so your Spot team lays out each date and plans a handover that keeps each policy in force. ### Is Spot affiliated with Embroker? No. Embroker is a separate company and Spot has no tie to it. The name is here so you know which provider this page covers. ### Is it a bad idea to switch in the middle of a policy term? Not necessarily, but the paperwork matters. A broker of record letter may move servicing, while a program tied to Embroker may need a new policy. Your Spot team checks before you choose. ### Can I keep my online certificates after I leave? A certificate already issued still shows the policy it was issued from. For new certificates you’ll need access to the new policies, and Spot lets you generate those yourself. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/embroker.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)