Share the review and your policies
Send the written review you received, your policies and your customer contracts. Your Spot team notes the agent, the insurer and each renewal date.
Orbit SoftwareOrganized by Spot
Switch from StartupInsurance.ai
Moving your insurance program from StartupInsurance.ai? Compare brokers with Spot
StartupInsurance.ai places software and physical-risk coverage, so your Spot team starts from the review you were already given.
- Free review findings kept and extended
- Submission date versus start date explained
- Brokers compared beyond the review
How it works
We check the gaps against your contracts
Your Spot team reads exclusions and endorsements against the contracts you signed, including AI wording, and writes a list a new broker can use.
Directors and officers insurance
Orbit Software · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Compare brokers with proposals in hand
Your Spot team takes your submission to the brokers you pick and helps you compare what they send back on terms as well as price.
# spot-support
TaylorOrbit Software
Can we explore other brokers for our directors and officers insurance?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Time the start date
Your Spot team agrees the start date with the new broker and keeps your current policy until the new one is confirmed.
TaylorOrbit Software
Can we explore other brokers for our directors and officers insurance?
Let’s review the information and discuss the next steps with your broker.
Directors and officers insurance policy
Coverage terms · Limits
Moving from StartupInsurance.ai
StartupInsurance.ai is a startup insurance agency that places software and physical-risk coverage, and it offers a free policy and contract review. Its online intake starts with coverage choices such as D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability, then asks about company details and prior insurance.
Why businesses consider switching
- 01
You went beyond software
Adding hardware, inventory or vehicles brings product, equipment and auto exposures that a software program may not hold.
- 02
You want a broker who knows investors
A funding round makes D&O, fiduciary and crime coverage more relevant, and buyers look for a broker with that experience.
- 03
You want a second opinion
A review only lists what you hold. A second broker’s proposals show what else may be available.
- 04
You want to compare fees
Brokers describe fees and commissions differently, and buyers often want to see several.
How to switch without a gap
- 01
Check who the agent is
Find the agency named on each policy, the term and any notice. Keep the paperwork the review was based on.
- 02
Prepare what a new broker will ask for
Have a description of what you sell, your financials, headcount and prior insurance. Your Spot team assembles it with you.
- 03
Choose a letter or a renewal handover
A broker of record letter moves servicing now, and a renewal handover waits for the new policy. Underwriting still takes time either way.
- 04
Confirm in writing before you stop anything
Keep your current policy until the new broker confirms. Then reissue certificates and update contacts on customer and investor agreements.
Coverage to consider
Directors 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 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 quotesTechnology errors and omissions (E&O)
Tech E&O with Spot for software, hosting and integration companies: every service described, contracts read against proposals, and certificates for customers.
Get quotesEmployment practices liability
Employment practices liability with Spot: a prepared submission and proposals compared on who’s insured, claim triggers, retentions and defense terms.
Get quotesFiduciary liability
Buy fiduciary liability with Spot: a prepared plan submission, proposals compared on insured plans, defense terms and exclusions, and your policy kept together.
Get quotesCrime
Buy commercial crime insurance with Spot: a prepared submission, proposals compared on theft, forgery and funds-transfer fraud, and your controls described clearly.
Get quotesGeneral liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotes
Common questions
The review was free. Why use Spot?
A review tells you what you have; proposals tell you what else is available. Your Spot team does both and takes your submission to market through brokers.
The date I submit isn’t the date coverage starts. How does that affect a move?
It matters. The insurer still has to underwrite, so your Spot team agrees the start date with the new broker and keeps your current policy until the new one is confirmed.
Is Spot affiliated with StartupInsurance.ai?
No. Spot has no link to StartupInsurance.ai or its parent agency. The name is used here only so you can tell who you’re moving away from.
Can I change in the middle of the year?
Often, using a broker of record letter, though insurers decide the date. Your Spot team checks each policy so there is no gap between the old and new.
Does Spot charge me or the broker a commission?
No. Spot takes no commissions on premiums. It works next to whichever broker you pick, and that broker is still the one that advises you and places the policy.
Related
Get insurance off your to-do list.
StartupInsurance.ai places software and physical-risk coverage, so your Spot team starts from the review you were already given.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
More guides
- Directors and officers: A Buyer’s Guide
- Cyber liability: A Buyer’s Guide
- Technology errors and omissions (E&O): A Buyer’s Guide
- Employment practices liability: A Buyer’s Guide
- Fiduciary liability: A Buyer’s Guide
- Crime: A Buyer’s Guide
- General liability: A Buyer’s Guide
- Workers’ compensation: A Buyer’s Guide