Hand over your schedules
Send your policies, property schedules, cargo details and loss history. Your Spot team organizes them so any broker sees the same program.
Northstar GroupOrganized by Spot
Switch from WTW
Moving your insurance program from WTW? Compare brokers with Spot
WTW often handles specialist property, cargo and manufacturing risk, so your Spot team gathers the schedules a new broker will ask for first.
- Schedules, values and loss history gathered
- Specialist programs explained to new brokers
- Policies and dates in one place
How it works
We check the program against your contracts
Your Spot team compares limits and conditions with what your lenders, customers and counterparties require.
Commercial property insurance
Northstar Group · Policy review
- Policy wording
- Valuation clause
- Compare with
- Declared values
Confirm with your broker
Replacement cost or actual cash value?
Take the program to other brokers
Your Spot team prepares the submission, takes it to brokers with specialist experience and helps you compare their proposals on terms as well as price.
# spot-support
AlexNorthstar Group
Can we explore other brokers for our commercial property insurance?
RileySpot
Let’s check the valuation clause, declared property values, and deductible in your policy.
Move on a date that keeps you covered
Your Spot team helps you choose a letter or a renewal handover, and WTW keeps servicing each policy until the new broker confirms.
AlexNorthstar Group
Can we explore other brokers for our commercial property insurance?
Let’s check the valuation clause, declared property values, and deductible in your policy.
Commercial property insurance policy
Valuation · Deductibles
Moving from WTW
WTW brokers commercial insurance and documents specialist property, cargo and manufacturing risk services. Its fit depends on the program and placement. Its coverage list includes commercial property, cargo, cyber, professional liability, management liability and surety bonds.
Why businesses consider switching
- 01
Your operations changed
A new facility, a new trade lane or a change in what you make can call for a broker who has placed that kind of risk.
- 02
You want a more specialized broker
Some programs fit a specialist in marine cargo, manufacturing or property better than a generalist, and some the reverse.
- 03
You want clearer lines of contact
Large programs can have many contacts. Buyers sometimes move to a team that names who handles claims, certificates and renewals.
- 04
You’re comparing compensation
Brokers describe fees and commissions differently, and buyers often want to see more than one before choosing.
How to switch without a gap
- 01
Read your broker agreement
Find the term, the notice and which WTW entity signed. Check which of your policies WTW actually services, since not every line may sit with it.
- 02
Prepare the schedules for a new broker
Values, locations, shipments and loss history will be asked for first. Your Spot team collects them so you’re not rebuilding them under deadline.
- 03
Pick a letter or a renewal handover
A broker of record letter moves servicing now, and a handover at renewal moves it with the new policy. Insurers set their own timing.
- 04
Confirm before you end anything
Keep every policy in force until the new broker confirms in writing. Then reissue certificates and update the contacts named on contracts and bonds.
Coverage to consider
Commercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesCargo and transit
Cargo and transit insurance with Spot: routes, storage stops and load values in one submission, and proposals compared on valuation, limits and exclusions.
Get quotesCyber 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 quotesProfessional 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 quotesManagement liability
Buy management liability with Spot: a prepared submission, each coverage part compared across broker proposals, and your whole program kept together.
Get quotesEmployment practices liability
Employment practices liability with Spot: a prepared submission and proposals compared on who’s insured, claim triggers, retentions and defense terms.
Get quotesCrime
Buy commercial crime insurance with Spot: a prepared submission, proposals compared on theft, forgery and funds-transfer fraud, and your controls described clearly.
Get quotesSurety bonds
Get surety bonds with Spot: the obligee’s requirement matched to the right bond type, your financials prepared for the surety, and proposals compared.
Get quotes
Common questions
My program is specialized. Can another broker take it?
Yes, often. Specialist property and cargo programs move between brokers; the new one needs your schedules, values and loss history. Your Spot team assembles them.
Which of my policies does WTW service?
Your broker agreement and policy documents show it. Your Spot team lists them with their dates, so nothing is left without a servicing broker.
Is Spot affiliated with WTW?
No. WTW is a separate company and Spot has no connection with it. The name is here to identify the broker you’re leaving, nothing more.
Can I move partway through a cargo or property term?
Sometimes. A letter can move servicing mid-term, but insurers on specialist programs may set their own conditions. Your Spot team asks before you commit.
Does Spot take a cut of my premium?
No. Spot takes no commissions on premiums, and your new broker still places and advises on the program. Spot keeps the documents and the dates in order.
Related
Get insurance off your to-do list.
WTW often handles specialist property, cargo and manufacturing risk, so your Spot team gathers the schedules a new broker will ask for first.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
