--- title: "Switch from Zurich" description: "Compare middle-market and specialty proposals with Spot before you renew or replace a Zurich policy." canonical: "https://spot.insure/switch-from/zurich" 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/zurich) ## Agent Guide **What this page is:** Compare middle-market and specialty proposals with Spot before you renew or replace a Zurich policy. **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 # 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 [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability&icp=enterprise) ## How it works - **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. - **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. - **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. - **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. 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 - **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. - **A broker relationship changed.** A new broker, or a review of your current one, often starts with a look at the market. - **A line sits poorly in the program.** Cyber, surety or management liability sometimes fits better with a separate insurer than with the casualty program. - **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 - **Ask your broker for renewal dates and notice terms.** Zurich directs commercial buyers to agents and brokers, so yours holds those details. - **Start proposals early.** Larger programs take longer to prepare, so give brokers and underwriters room. - **Hold written confirmation of the new program.** Every line should be confirmed as bound, with its effective date, before any Zurich policy ends. - **Have the broker cancel each policy in writing.** Ask for the return premium or any audit balance in writing at the same time. ## Coverage - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial auto](https://spot.insure/insurance/commercial-auto/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes) - [Surety bonds](https://spot.insure/insurance/surety-bonds/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/zurich.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)