Send the program documents
Share each policy and declarations page, along with your broker’s name and the schedule of locations or operations. Your Spot team notes the Zurich company on each.
Northstar GroupOrganized by Spot
Switch from Zurich
Switching from Zurich? Compare your options with Spot
Spot reads your Zurich program, including any deductible or retention structure, and asks brokers to quote the same layers.
- Deductible and retention structure recorded exactly
- Your broker stays in the conversation
- Your Zurich program runs until the new one binds
How it works
We write down the structure
Deductibles, retentions, endorsements and the insurance requirements in your contracts and leases go into one summary your Spot team can hold proposals against.
General liability insurance
Northstar Group · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers see one submission
Spot works with brokers to approach insurers that write middle-market and larger accounts. Underwriters’ questions arrive in your shared Slack channel.
# spot-support
AlexNorthstar Group
Can we explore other brokers for our general liability insurance?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Compare layers and bind
You compare proposals line by line, on structure as well as price. Your Spot team helps you bind and brings the next renewal forward once the new program is in force.
AlexNorthstar Group
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 Zurich U.S.
Zurich U.S. describes a commercial property and casualty and specialty insurance business serving middle-market and larger companies through agents and brokers. Its stated focus is US commercial insurance for middle-market businesses and for large or national accounts. Its catalogue includes general liability, workers’ compensation, commercial auto, management liability and surety bonds.
Why businesses consider switching
- 01
Your account crossed a size threshold
As revenue, payroll or locations grow, a program may need a different structure or a different set of insurers.
- 02
A broker relationship changed
A new broker, or a review of your current one, often starts with a look at the market.
- 03
A line sits poorly in the program
Cyber, surety or management liability sometimes fits better with a separate insurer than with the casualty program.
- 04
Your renewal terms moved
A different deductible, retention or premium is a prompt to ask what else is out there.
How to switch without a gap
- 01
Ask your broker for renewal dates and notice terms
Zurich directs commercial buyers to agents and brokers, so yours holds those details.
- 02
Start proposals early
Larger programs take longer to prepare, so give brokers and underwriters room.
- 03
Hold written confirmation of the new program
Every line should be confirmed as bound, with its effective date, before any Zurich policy ends.
- 04
Have the broker cancel each policy in writing
Ask for the return premium or any audit balance in writing at the same time.
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 quotesCommercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesCommercial auto
Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
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 quotesDirectors 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 quotesUmbrella and excess liability
Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
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 has a large deductible. Does Spot handle that?
Your Spot team records deductibles and retentions with the rest of your terms, and asks brokers for proposals on a comparable structure.
Do I go through my broker to shop?
Your broker placed the policy, so they know the renewal terms. Spot works alongside brokers and takes no commissions on premiums, so yours can stay in the conversation.
Does Zurich know Spot or work with it?
Spot isn’t affiliated with Zurich U.S. and doesn’t act for it. The company’s name is used here to say which program you hold.
My lines renew on different dates. How do I handle that?
Your Spot team lists each policy’s date. You can move everything at once, or stage the move line by line, binding each replacement before the matching Zurich policy ends.
Related
Get insurance off your to-do list.
Spot reads your Zurich program, including any deductible or retention structure, and asks brokers to quote the same layers.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
