Send what Lockton gave you
Share your policies, proposals and the engagement letter. Your Spot team notes the Lockton entity named on each and which lines are insurance and which are benefits.
Northstar GroupOrganized by Spot
Switch from Lockton
Moving your insurance program from Lockton? Compare brokers with Spot
Lockton handles risk and people programs together, so your Spot team lists every policy it services before you decide what moves.
- Policies and benefits sorted into one list
- Move cyber and technology alone if you like
- New brokers compared on the same facts
How it works
We match policies to obligations
Your Spot team compares cyber, D&O, liability and property terms with what your customers, lenders and landlords ask for, and writes down the gaps a new broker should close.
General liability insurance
Northstar Group · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Talk to other brokers with a shared brief
Your Spot team prepares one submission and takes it to the brokers you pick, so you can compare their proposals on terms as well as price.
# spot-support
AlexNorthstar Group
Can we explore other brokers for our general liability insurance?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Move on the date you choose
Your Spot team helps you decide between a broker of record letter now and a handover at renewal, and Lockton stays on each policy until the new broker confirms.
AlexNorthstar Group
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 Lockton
Lockton is a large commercial brokerage offering business risk, employee benefits and retirement brokerage, including technology-risk advice across cyber, D&O, property, liability and benefits. You can start with a Lockton team inquiry or by contacting its cyber and technology group. The reviewed pages offer no self-service bind flow or guaranteed quote turnaround.
Why businesses consider switching
- 01
Your company changed size
Businesses move between brokers built for the middle market and those built for smaller or larger accounts as they grow or restructure.
- 02
You want a specialist for one line
Cyber, D&O or technology E&O sometimes goes to a broker who works mostly in that field, while the rest stays where it is.
- 03
You want one named person
Some buyers prefer a single contact who knows the whole program over a team that changes by line.
- 04
You’re comparing how brokers earn
Commissions, client fees and other income vary by broker. Buyers often ask each candidate to lay theirs out before choosing.
How to switch without a gap
- 01
Read the engagement letter
Check which Lockton entity signed, how long the term runs and how much notice it asks for. The term usually matters more than the policy dates.
- 02
Decide what moves together
You can hand over everything or only technology and cyber. Your Spot team shows the renewal dates so you can see which policies are easiest to move first.
- 03
Choose between a letter and renewal
A broker of record letter changes servicing now; waiting changes it when the new policies start. Ask each insurer how it treats the letter.
- 04
Hold every policy until the new broker confirms
Don’t cancel anything yourself. After written confirmation, reissue certificates and update the contacts named on your contracts. Benefits and retirement plans can stay put if you prefer.
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 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 quotesDirectors and officers
Buy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file.
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 property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesEmployee health and benefits
Employee health benefits with Spot: workforce details prepared, plans compared on networks and total cost, and self-funding and stop-loss terms explained.
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 quotesUmbrella 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
Where do I find the entity on my Lockton agreement?
Your broker agreement names the Lockton company, and Lockton’s terms name Lockton Companies, LLC and affiliates. Your Spot team notes yours so a new broker knows what it replaces.
Can I change only my technology and cyber broker?
Often, yes. Some businesses give a specialist the cyber and technology placements and leave the rest. Your Spot team keeps every policy’s servicing in one view.
Is Spot affiliated with Lockton?
No. Lockton and Spot are separate companies with no affiliation or partnership. We name Lockton so you know which broker you’re leaving, and we don’t speak for it.
Does the time of year matter for moving from Lockton?
It can. Lockton’s terms describe its role once engaged, so check how your letter and notice work. Your Spot team compares that with each policy’s date before you choose a handover.
Will Spot replace the broker I pick?
No. Spot works with brokers, takes no commissions on premiums and has no stake in which one you choose. Your broker still advises and places the coverage.
Related
Get insurance off your to-do list.
Lockton handles risk and people programs together, so your Spot team lists every policy it services before you decide what moves.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
More guides
- General liability: A Buyer’s Guide
- Cyber liability: A Buyer’s Guide
- Directors and officers: A Buyer’s Guide
- Workers’ compensation: A Buyer’s Guide
- Commercial property: A Buyer’s Guide
- Employee health and benefits: A Buyer’s Guide
- Professional errors and omissions (E&O): A Buyer’s Guide
- Umbrella and excess liability: A Buyer’s Guide