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Switch from Insureon

Switching from Insureon? Compare your options with Spot

Insureon sells small-business lines through agents and brokers without naming every insurer upfront, so your Spot team starts from your declarations pages and compares proposals against them.

Get StartedHow It Works
  • Every policy’s insurer and limits recorded
  • Several lines compared in one submission
  • One shared file for policies and renewal dates
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 each declarations page

Upload the declarations for every policy you bought through Insureon. Your Spot team records the insurer, limits and renewal date for each one.

Maple Street Co.Organized by Spot

Check the policies against your contracts

We read your lease and client agreements against your general liability, business owner’s policy, workers’ compensation and other forms.

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 quote the whole set

We take the full list of lines to brokers at once, and you follow the replies in your 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.

Compare and bind in order

Your Spot team compares proposals against your current terms and helps you bind each replacement before the matching Insureon policy ends.

Insurance documents

Broker review

General liability insurance

Coverage limits · Policy terms

Maple Street Co.

Moving from Insureon

Insureon markets small-business insurance and quote routes through agent and broker channels. It lists lines from business owner’s policies and general liability to surety bonds and umbrella. Its public product pages don’t identify the insurer or terms for every policy, so your declarations page is where to find who issued yours.

Why businesses consider switching

  • 01

    Your policies came from different insurers

    Several policies with separate dates and contacts are hard to follow.

  • 02

    You’ve taken on staff or vehicles

    Workers’ compensation, commercial auto and umbrella often arrive as a business grows.

  • 03

    A contract needs different wording

    Additional insured, primary and non-contributory, or waiver of subrogation terms may need a new form.

  • 04

    You prefer a named contact

    Some owners want one team that knows their account when a question comes up.

How to switch without a gap

  • 01

    Collect dates for every policy

    Each policy may end on its own date. Write them down so you know which replacements to bind first.

  • 02

    Ask your account manager about renewal

    Insureon suggests starting renewal work well ahead of the date, so tell them you’re shopping.

  • 03

    Bind the replacement before cancelling any policy

    Leaving Insureon doesn’t end your policies, since the insurers issued them. Keep each one active until its replacement is confirmed.

  • 04

    Cancel through the agent or insurer

    Your declarations tell you the insurer; Insureon or your account manager can start the request. Then swap in new certificates.

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

  • Workers’ compensation

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

    Get quotes

  • Professional errors and omissions (E&O)

    Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.

    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

  • Commercial auto

    Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.

    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

  • 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

How do I find which insurer issued my Insureon policy?

Your declarations page names the insurer on each policy. Send it to your Spot team, and we record the insurer, limits and renewal date, then compare proposals against those terms.

Will leaving Insureon cancel my policies?

No. The policies belong to the insurers that issued them and stay in force until they end or you cancel them. Binding the replacement first means you never have a gap.

Is Spot connected to Insureon?

No. Spot isn’t affiliated with Insureon or any company it belongs to, and we don’t speak for them.

Which policy should I move first?

Start with whichever renews soonest or carries a contract requirement. Your Spot team sequences the rest, so each replacement is bound before its older policy ends.

Does Spot work with my agent?

Yes. Spot works alongside agents and brokers, takes no commissions on premiums, and you can keep yours.

Related

Get insurance off your to-do list.

Insureon sells small-business lines through agents and brokers without naming every insurer upfront, so your Spot team starts from your declarations pages and compares proposals against them.

Get Started

Learn more before you switch providers

Read these before you choose a policy or an insurer.

More guides