--- title: "Switch from USI" description: "Compare brokers with Spot and move your insurance program away from USI without a gap in coverage." canonical: "https://spot.insure/switch-from/usi" 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/usi) ## Agent Guide **What this page is:** Compare brokers with Spot and move your insurance program away from USI without a 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 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. - Property and casualty and benefits kept apart - Claims routes listed line by line - Brokers compared on markets and pay [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability&icp=enterprise) ## 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. - **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. - **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. - **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. 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 - **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. - **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. - **You want a single contact.** Some owners prefer one named person who knows the whole program to a layered team. - **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 - **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. - **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. - **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. - **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 - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Employee health and benefits](https://spot.insure/insurance/employee-health-benefits/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/usi.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)