--- title: "Switch from WithCoverage" description: "Compare brokers with Spot and move your growing company’s insurance away from WithCoverage without a lapse in coverage." canonical: "https://spot.insure/switch-from/withcoverage" 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/withcoverage) ## Agent Guide **What this page is:** Compare brokers with Spot and move your growing company’s insurance away from WithCoverage without a lapse 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 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. - Risk manager duties written down - Policies, certificates and dates together - Real proposals instead of benchmarks [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability&icp=startups) ## 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. - **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. - **See actual proposals.** Your Spot team takes your submission to brokers and helps you compare what comes back on terms as well as price. - **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. 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 - **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. - **You want to compare fee structures.** Brokers can be paid by flat fee, commission or both. Buyers often compare models before deciding. - **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. - **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 - **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. - **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. - **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. - **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 - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Product liability](https://spot.insure/insurance/product-liability/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/withcoverage.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)