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Switch from USI

Moving your insurance program from USI? Compare brokers with Spot

USI works with technology companies from seed to IPO, and your Spot team keeps property and casualty, benefits and retirement on their own timelines.

Get StartedHow It Works
  • Property and casualty and benefits kept apart
  • Claims routes listed line by line
  • Brokers compared on markets and pay
A business owner meets a new broker across a compact walnut table, passing an orderly document case while a colleague listens.

How it works

Send your policies and USI documents

Share declarations pages, the engagement letter and the claims instructions USI gave you. Your Spot team notes where each line reports a claim today.

Northstar GroupOrganized by Spot

We read the program against your obligations

Your Spot team checks technology E&O, D&O, cyber and general liability wording against your customer and investor terms.

General liability insurance

Northstar Group · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Compare brokers in Slack

Your Spot team prepares the submission, takes it to the brokers you pick and helps you read their proposals, including how each is compensated.

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AlexNorthstar Group

Can we explore other brokers for our general liability insurance?

RileySpot

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

Move each program on its own date

Your Spot team schedules a handover by letter or at renewal per program, and USI keeps servicing until the new broker confirms.

AlexNorthstar Group

Can we explore other brokers for our general liability insurance?

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

General liability insurance policy

Coverage terms · Limits

Moving from USI Insurance Services

USI is a consultative broker for technology companies from seed stage through IPO, and its stated focus is middle-market property and casualty, employee benefits, personal risk and retirement brokerage and consulting. Its commissions page describes insurer commissions and possible contingent compensation. It doesn’t publish a self-serve commercial quote flow.

Why businesses consider switching

  • 01

    You passed a stage

    A company that began as a seed-stage team may want a broker built for a public offering, or one that focuses on early stage.

  • 02

    You want to see how a broker is paid

    Insurer commissions, fees and contingent payments vary. Buyers often ask for each candidate’s terms in writing before choosing.

  • 03

    You want a single contact

    Some owners prefer one named person who knows the whole program to a layered team.

  • 04

    Ownership or structure changed

    A merger, a new subsidiary or a move into new states often prompts a fresh look at who services the program.

How to switch without a gap

  • 01

    Read the agreement for term and notice

    Find the term, the notice period and the entity that signed. Property and casualty and benefits may sit under different agreements.

  • 02

    Decide whether to move both programs

    You can change your property and casualty broker and leave benefits where they are. Your Spot team shows both sets of dates side by side.

  • 03

    Decide how to hand over

    Servicing can move now by letter, or later with the new policy at renewal. Check each against the insurer’s timing.

  • 04

    Confirm in writing, then update everyone

    Keep each policy in force until the new broker confirms. Then reissue certificates, share new claims instructions with your team and update contract contacts.

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

  • Workers’ compensation

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

    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

  • Technology 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 quotes

  • Commercial property

    Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.

    Get quotes

  • Employee health and benefits

    Employee health benefits with Spot: workforce details prepared, plans compared on networks and total cost, and self-funding and stop-loss terms explained.

    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

How is a broker paid?

Brokers are usually paid by insurer commissions, fees or both, and some earn contingent compensation. Ask each broker you consider to explain theirs, and your Spot team records the answers.

Can I leave USI for only my property and casualty program?

Often, yes. Property and casualty and employee benefits are separate programs. Your Spot team keeps dates for each so you can change one and leave the other.

Is Spot affiliated with USI?

No. Spot isn’t affiliated with USI Insurance Services. We mention USI to identify the broker you’re leaving, and we don’t speak on its behalf.

When is the best time to leave USI?

There’s no single best date. Renewal is the cleanest handover, while a letter works mid-term. Your Spot team lists every policy’s date and the notice USI asks for, so you can choose.

Does Spot charge a fee or commission on my premiums?

Spot takes nothing from your premiums, and the broker you pick still advises and places coverage. Spot organizes the program and the paperwork around it.

Related

Get insurance off your to-do list.

USI works with technology companies from seed to IPO, and your Spot team keeps property and casualty, benefits and retirement on their own timelines.

Get Started

Learn more before you switch providers

Read these before you choose a policy or an insurer.

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