--- title: "Switch from Lockton" description: "Compare brokers with Spot and move your business insurance program away from Lockton without a gap in coverage." canonical: "https://spot.insure/switch-from/lockton" 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/lockton) ## Agent Guide **What this page is:** Compare brokers with Spot and move your business insurance program away from Lockton 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 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 [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability&icp=enterprise) ## How it works - **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. - **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. - **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. - **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. 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 - **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. - **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. - **You want one named person.** Some buyers prefer a single contact who knows the whole program over a team that changes by line. - **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 - **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. - **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. - **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. - **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 - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Employee health and benefits](https://spot.insure/insurance/employee-health-benefits/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/lockton.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)