Switch from Marsh
Marsh may hold your account directly or through Marsh McLennan Agency, and your Spot team sorts out which before you compare brokers.
Send your policies and engagement letter. Your Spot team notes whether the account sits with Marsh, Marsh McLennan Agency or an industry practice, and the legal name printed on each document.
Your Spot team lists the limits and endorsements your investors, customers and lenders expect, so any broker you consider answers the same questions.
General liability insurance
Northstar Group · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Your Spot team prepares the submission and helps you read proposals side by side, including which insurers were approached and how the broker is paid.
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Your Spot team helps you pick between a broker of record letter and a change at renewal, keeping each policy serviced in the meantime.
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Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
Marsh is a global broker with a technology practice, cyber specialists and, in the US and Canada, a middle-market route through Marsh McLennan Agency. Its compensation guide describes its role as facilitating placement of coverage on behalf of clients. Marsh isn’t identified as the insurer that issues or pays the policy.
A business can outgrow the service of a middle-market team, or find a global program more than it needs after it simplifies.
Technology, life sciences and infrastructure each have their own markets, and some buyers want a broker who spends its days in one.
Policies spread across entities and inboxes are hard to manage. Buyers sometimes move to simplify who services what.
Brokers disclose fees and commissions in different ways. Buyers often want to see more than one before deciding.
Marsh materials use more than one legal name. Check which entity signed your agreement, the term, and how much notice it needs.
Ask each candidate to name the insurers it would approach for every line, and to explain its compensation in writing.
Sending a letter shifts servicing right away; a renewal handover shifts it when the new policy starts. Your Spot team checks each against the insurer.
Keep every policy active until the new broker confirms. Then reissue certificates and update contacts on your contracts. Employee benefits are a separate decision.
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesBuy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotesBuy D&O insurance with Spot: a prepared submission, broker proposals compared on insureds, defense costs and exclusions, and your policy kept on file.
Get quotesTech E&O with Spot for software, hosting and integration companies: every service described, contracts read against proposals, and certificates for customers.
Get quotesCommercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesEmployment practices liability with Spot: a prepared submission and proposals compared on who’s insured, claim triggers, retentions and defense terms.
Get quotesWorkers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesEmployee health benefits with Spot: workforce details prepared, plans compared on networks and total cost, and self-funding and stop-loss terms explained.
Get quotesMarsh may hold your account directly or through Marsh McLennan Agency, and your Spot team sorts out which before you compare brokers.
Get StartedRead these before you choose a policy or an insurer.
