--- title: "Switch from The Hartford" description: "Compare business owner’s, workers’ compensation and management liability proposals with Spot before your Hartford renewal date." canonical: "https://spot.insure/switch-from/the-hartford" 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/the-hartford) ## Agent Guide **What this page is:** Compare business owner’s, workers’ compensation and management liability proposals with Spot before your Hartford renewal date. **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 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. - 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 [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability&icp=small-business) ## 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. - **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. - **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. - **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. 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 - **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. - **Your renewal terms changed.** A different deductible, premium or exclusion at renewal is worth testing against other insurers before you accept it. - **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. - **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 - **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. - **Collect proposals ahead of renewal.** Start early enough for brokers to quote every line, including any one that was quoted through a local agency. - **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. - **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 - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Business owner’s policy](https://spot.insure/insurance/business-owners-policy/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial auto](https://spot.insure/insurance/commercial-auto/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/the-hartford.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)