Send your declarations page
Upload the declarations pages and renewal packet from Kinro. Your Spot team lists the insurer, limits, deductibles and dates for each policy.
Maple Street Co.Organized by Spot
Switch from Kinro
Moving your insurance program from Kinro? Compare brokers with Spot
Kinro starts from your business activity and reviews your current policy, so your Spot team starts from the same declarations page.
- Insurer behind each policy identified
- Declarations pages reviewed together
- Brokers compared on what they quote
How it works
We read policies against your contracts
Your Spot team checks them against client contracts and leases, including additional insured wording and retroactive dates.
General liability insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Compare with other brokers
Your Spot team takes the submission to the brokers you choose and helps you read proposals side by side, not only the first quote.
# 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.
Keep coverage while you switch
Your Spot team helps you choose a letter or renewal handover, and the old policy stays in force until the new one is confirmed.
AlexMaple Street Co.
Can we explore other brokers for our general liability insurance?
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
Moving from Kinro
Kinro is an online small-business insurance agency that reviews your current policy for free and helps you compare quotes. Its pages don’t name the insurer behind a given quote. It serves businesses from contractors and restaurants to consultants, manufacturers and care providers, and its public quote intake has four steps.
Why businesses consider switching
- 01
Your business added employees or vehicles
Growth brings payroll, drivers and equipment that a first policy may not have been built around.
- 02
A client contract asks for more
Higher limits or specific endorsements sometimes call for a broker who has handled that clause before.
- 03
You want a broker who knows your trade
A restaurant, a contractor and a consultant each get different questions from underwriters.
- 04
You want to compare at renewal
Some owners ask a second broker to quote the program each year, so they know how it compares.
How to switch without a gap
- 01
Check your Kinro paperwork
Find the agency named on each policy, the renewal date and any notice. The insurer on your declarations page doesn’t change when the broker does.
- 02
Compare what each proposal covers
Ask for covered operations, limits, deductibles, exclusions and endorsements side by side. Your Spot team builds the comparison.
- 03
Choose a letter or a renewal handover
A broker of record letter moves servicing now. A renewal handover waits for the new policy.
- 04
Confirm in writing and update contacts
Keep the old policy active until the new broker confirms. Then reissue certificates and tell clients and landlords who the new contact is.
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 quotesBusiness 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 quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesCommercial 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 quotesCommercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesCyber 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 quotesProfessional 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 quotesTrucking
Trucking insurance with Spot for new authorities, fleet renewals and owner-operators: a prepared submission, compared proposals and certificates handled.
Get quotes
Common questions
How do I find the insurer on my Kinro policy?
Your policy documents name it. Send them to your Spot team, and we list the insurer, limits and renewal date for every policy before we compare anything.
Kinro reviewed my policy for free. Does Spot do something different?
Spot reviews your policies against your contracts and takes a submission to market through brokers. Whichever route you use, compare the actual proposals, not the review.
Is Spot affiliated with Kinro?
No. Kinro and Spot are separate companies. Kinro’s name is here to say who you’re leaving, and it has not approved this page.
Can I switch right before renewal?
Yes, and renewal is the cleanest time. Kinro says it shops the market at renewal, so ask for a comparison and your Spot team lines up the other proposals.
Does Spot charge commissions?
No. Spot takes no commissions on premiums and works with the broker you pick. Brokers keep advising and placing your policies.
Related
Get insurance off your to-do list.
Kinro starts from your business activity and reviews your current policy, so your Spot team starts from the same declarations page.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
