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Switch from The Hartford

Switching from The Hartford? Compare your options with Spot

Spot reads your Hartford policies, whether they came from an agent or an online quote, and shops the same lines with brokers.

Get StartedHow It Works
  • Agent-placed and online-bought Hartford policies both welcome
  • Management liability and package policies compared like for like
  • The Hartford policy stays in force until the new one binds
A business owner and adviser move a cream policy folder beside a navy binder while checking a laptop at a compact desk.

How it works

Send your Hartford documents

Share each policy, its declarations page and the name of the agent if one placed it. Your Spot team notes the writing company and the producer of record on every policy.

Maple Street Co.Organized by Spot

We match the policy to your contracts

From business owner’s policy to workers’ compensation and management liability, your Spot team checks limits and wording against lease and customer requirements, including any additional insured language.

General liability insurance

Maple Street Co. · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Brokers take your submission to market

Spot prepares one submission across your Hartford lines, then works with brokers to approach insurers that write them. Anything underwriters ask comes to you in Slack.

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AlexMaple Street Co.

Can we explore other brokers for our general liability insurance?

RileySpot

Let’s review the information and discuss the next steps with your broker.

Compare and bind the replacement

You review proposals on deductibles, retentions and exclusions as well as price. Your Spot team helps you bind, and keeps your documents together once you do.

Insurance documents

Broker review

General liability insurance

Coverage limits · Policy terms

Maple Street Co.

Moving from The Hartford

The Hartford writes a wide range of commercial lines, from business owner’s policies and general liability to management liability and workers’ compensation. Eligible small businesses can quote online or buy through an independent agent. Small businesses can’t currently buy commercial auto online, and it may be quoted through a local agency.

Why businesses consider switching

  • 01

    Your program got broader

    A company that adds employees, vehicles or board members may need workers’ compensation, auto or management liability it didn’t carry at first.

  • 02

    Your renewal terms changed

    A different deductible, premium or exclusion at renewal is worth testing against other insurers before you accept it.

  • 03

    One line is placed separately

    If commercial auto came through a different agency than the rest, your policies may renew on different dates and be harder to compare.

  • 04

    You want fewer loose ends

    Spot keeps policies, documents and renewals together, which helps if you’re juggling several agents.

How to switch without a gap

  • 01

    Ask your agent for renewal terms

    If an independent agent placed the policy, they can tell you the renewal date and notice rules. Spot works alongside agents, so you can keep them informed.

  • 02

    Collect proposals ahead of renewal

    Start early enough for brokers to quote every line, including any one that was quoted through a local agency.

  • 03

    Bind the new policy before cancelling

    Get written proof of the new coverage and its start date. Keep the Hartford policy running until it’s in hand.

  • 04

    Cancel through your agent or account

    For agent-placed policies, ask the agent to submit the cancellation. For policies bought online, use your Hartford account or the contacts on your documents.

Coverage to consider

  • General liability

    Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.

    Get quotes

  • Business owner’s policy

    Buy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.

    Get quotes

  • Workers’ compensation

    Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.

    Get quotes

  • Commercial auto

    Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.

    Get quotes

  • Professional errors and omissions (E&O)

    Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.

    Get quotes

  • Cyber 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 quotes

  • 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 quotes

  • Umbrella and excess liability

    Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.

    Get quotes

Common questions

Can Spot compare a management liability policy?

Yes. Directors and officers, employment practices, fiduciary and crime coverage are all lines your Spot team prepares submissions for. Send us your policy and we line up proposals on limits, retentions and exclusions.

My agent placed my Hartford policy. Do I tell them first?

Your agent is who to ask about renewal terms and cancellation. Spot works alongside agents and brokers, so you can keep yours in the conversation, or talk to us first if you want to see options before you say anything.

Does The Hartford know Spot?

Spot isn’t affiliated with The Hartford and doesn’t represent it. We use its name only to describe where your current coverage sits.

When is the best time to move?

Usually at renewal. If you’d rather move earlier, check your policy’s cancellation terms and bind the replacement before you ask your agent to end the old policy.

Does Spot get paid on my premium?

Spot takes no commission on any premium you pay, and it works with brokers rather than standing in for them.

Related

Get insurance off your to-do list.

Spot reads your Hartford policies, whether they came from an agent or an online quote, and shops the same lines with brokers.

Get Started

Learn more before you switch providers

Read these before you choose a policy or an insurer.

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