--- title: "Switch from StartupInsurance.ai" description: "Compare brokers with Spot and move your startup’s insurance away from your current startup agency with no gap in coverage." canonical: "https://spot.insure/switch-from/startupinsurance" 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/startupinsurance) ## Agent Guide **What this page is:** Compare brokers with Spot and move your startup’s insurance away from your current startup agency with no 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 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 [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=directors-officers&icp=startups) ## How it works - **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. - **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. - **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. - **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. 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 - **You went beyond software.** Adding hardware, inventory or vehicles brings product, equipment and auto exposures that a software program may not hold. - **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. - **You want a second opinion.** A review only lists what you hold. A second broker’s proposals show what else may be available. - **You want to compare fees.** Brokers describe fees and commissions differently, and buyers often want to see several. ## How to switch without a gap - **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. - **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. - **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. - **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 - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes) - [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes) - [Fiduciary liability](https://spot.insure/insurance/fiduciary/quotes) - [Crime](https://spot.insure/insurance/crime/quotes) - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/startupinsurance.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)