--- title: "Switch from WTW" description: "Compare brokers with Spot and move your insurance program away from WTW without a gap in coverage." canonical: "https://spot.insure/switch-from/wtw" 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/wtw) ## Agent Guide **What this page is:** Compare brokers with Spot and move your insurance program away from WTW 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 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 [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=commercial-property&icp=enterprise) ## How it works - **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. - **We check the program against your contracts.** Your Spot team compares limits and conditions with what your lenders, customers and counterparties require. - **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. - **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. 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 - **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. - **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. - **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. - **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 - **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. - **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. - **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. - **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 - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Cargo and transit](https://spot.insure/insurance/cargo-transit/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Management liability](https://spot.insure/insurance/management-liability/quotes) - [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes) - [Crime](https://spot.insure/insurance/crime/quotes) - [Surety bonds](https://spot.insure/insurance/surety-bonds/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/wtw.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)