--- title: "Switch from Markel" description: "Spot compares small-business liability, professional, cyber and property proposals so you can decide before your Markel renewal." canonical: "https://spot.insure/switch-from/markel" 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/markel) ## Agent Guide **What this page is:** Spot compares small-business liability, professional, cyber and property proposals so you can decide before your Markel renewal. **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 # Switching from Markel? Compare your options with Spot Spot reads your Markel policies, including options folded into larger products, and takes the program to market through brokers. - Coverage inside packages listed as separate components - Hard-to-place risks described clearly for underwriters - Markel coverage stays active until the replacement binds [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability) ## How it works - **Send the Markel policies.** Pass along each policy together with its declarations page. Your Spot team notes the insurer, whether the placement is admitted or surplus lines, and who services the account. - **We untangle package options.** Hired and non-owned auto, media liability or equipment breakdown can sit inside one product and stand alone at another insurer. Your Spot team lists each so no proposal omits one. - **Brokers see your risk plainly.** Your Spot team writes up the operations, exposures and claims history, then works with brokers to approach insurers that write specialty risks. Slack carries the questions. - **Weigh the proposals, then bind.** You review proposals on terms as well as price. Your Spot team helps you bind your choice and keeps the new documents with the old. Markel describes its US small-business work across child care and enrichment, commercial and residential services, sports and fitness, and manufacturing. Its broader specialty business focuses on hard-to-place risks. Some lines sit inside other products, such as a hired and non-owned auto option in its small-business casualty product and media liability within its cyber product. ## Why businesses consider switching - **Your class of business moved.** Growth or a change in operations can take a company out of a program built for a narrower profile. - **A renewal changed.** New terms or premium are a fair reason to ask the market. - **A line sits outside your program.** Cyber, workers’ compensation or umbrella may be better placed together. - **You want help with a hard-to-place risk.** A clear submission and broker access can matter more when a risk is unusual. ## How to switch without a gap - **Check how you buy.** Markel uses an online application for some lines and appointed agents for others. Know which applies so you reach the right contact. - **Quote every component.** Ask brokers to quote the pieces of any package so you’re comparing like with like. - **Prove the new coverage before cancelling.** Get its effective date in writing and keep Markel active until then. - **End the Markel policy through your agent or account.** Follow the route you bought by, and ask about any audit balance or refund. ## Coverage - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Product liability](https://spot.insure/insurance/product-liability/quotes) ## Common questions ### Some of my coverage sits inside a package. Does that complicate comparing? It can, because a feature like hired and non-owned auto or media liability may be an option inside one product and its own policy at another insurer. Your Spot team lists each component so no proposal is missing one. ### Can Spot help if my risk is hard to place? Yes. Your Spot team writes up the operations, exposures and claims history clearly, and brokers take it to insurers that write specialty risks. ### Is Markel working with Spot on this page? No. Spot is not affiliated with Markel, and nothing here speaks for it. ### Is a mid-term move possible? Possibly, subject to your policy’s cancellation terms. Whatever you decide, hold proof of the new policy before cancelling. ### Do brokers pay Spot? Not on your premium. Spot takes none of it as commission, and it works with brokers rather than competing with them. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/markel.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)