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Switch from WithCoverage

Moving your insurance program from WithCoverage? Compare brokers with Spot

WithCoverage assigns you a risk manager, so your Spot team writes down what that person does for you before you decide what to replace.

Get StartedHow It Works
  • Risk manager duties written down
  • Policies, certificates and dates together
  • Real proposals instead of benchmarks
A business owner meets a new broker across a compact walnut table, passing an orderly document case while a colleague listens.

How it works

Tell us what your risk manager handles

Share your policies, any audit report you received and the engagement terms. Your Spot team lists the tasks your WithCoverage contact does today, from renewals to certificates.

Orbit SoftwareOrganized by Spot

We check coverage against your contracts

Your Spot team reads limits and endorsements against your customer, lender and investor requirements, so you know what a new broker needs to meet.

General liability insurance

Orbit Software · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

See actual proposals

Your Spot team takes your submission to brokers and helps you compare what comes back on terms as well as price.

# spot-support

TaylorOrbit Software

Can we explore other brokers for our general liability insurance?

RileySpot

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

Hand over cleanly

Your Spot team helps you pick a letter or a renewal handover, and each policy stays in force until the new broker confirms it.

TaylorOrbit Software

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 WithCoverage

WithCoverage is a risk-management broker for growing companies that reviews existing policies and assigns a risk manager for renewals and service. It offers an initial policy audit without requiring you to leave your broker. The public review form asks about your company, industry and annual insurance spending, and doesn’t display an insurance price.

Why businesses consider switching

  • 01

    You want a different style of service

    Some buyers prefer a named risk manager, some a shared team, and some a broker who’s on call. It’s a fair reason to look again.

  • 02

    You want to compare fee structures

    Brokers can be paid by flat fee, commission or both. Buyers often compare models before deciding.

  • 03

    You’re growing past your current program

    More entities, locations or contracts can call for markets or advice a first program wasn’t designed for.

  • 04

    You want industry experience

    A broker who spends its days in your industry can anticipate what customers and insurers will ask.

How to switch without a gap

  • 01

    Read your engagement terms

    Check the term, the notice and whether the arrangement is a flat fee or tied to commissions, since that affects what happens when you leave.

  • 02

    Pick a new broker with Spot’s help

    Ask each candidate who your day-to-day contact would be, which insurers it would approach and how it’s paid.

  • 03

    Choose the handover method

    A broker of record letter moves servicing now; waiting moves it at renewal. Your Spot team checks both against each policy.

  • 04

    Hold your policies until confirmation

    Keep every policy in force until the new broker confirms in writing. Then reissue certificates and tell your contacts the new broker’s details.

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

  • 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

  • Commercial property

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

    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

  • 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

  • Workers’ compensation

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

    Get quotes

  • Product liability

    Product liability with Spot: a submission that states your supply-chain role, proposals compared on products aggregates and recall terms, and certificates ready.

    Get quotes

Common questions

Do I need a risk manager from my broker?

It’s one way to run a program. Others lean on a shared team or a named contact. Your Spot team keeps your policies, renewals and certificates together whichever you choose.

A policy audit compared my coverage with benchmarks. Does Spot do that?

Spot reads your policies against your contracts and takes a submission to market through brokers, so you see actual proposals instead of benchmarks.

Is Spot affiliated with WithCoverage?

No. Spot isn’t affiliated with WithCoverage. Its name is here only to tell you which provider you’d be moving away from.

Is a mid-year move realistic?

Sometimes. A broker of record letter can shift servicing mid-term, though insurers decide when it takes effect. Your Spot team checks each policy and keeps the current broker active until the change is confirmed.

Do I have to drop my audit-based plan to use Spot?

No. Spot takes no commissions on premiums and works with brokers rather than replacing them. You can keep your current broker, or use Spot to find another.

Related

Get insurance off your to-do list.

WithCoverage assigns you a risk manager, so your Spot team writes down what that person does for you before you decide what to replace.

Get Started

Learn more before you switch providers

Read these before you choose a policy or an insurer.

More guides