--- title: "Switch Business Insurance" description: "Switch business insurance providers or change your insurance broker with Spot, which compares proposals and keeps your coverage in place until the new policy binds." canonical: "https://spot.insure/switch-insurance" 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-insurance) ## Agent Guide **What this page is:** Switch business insurance providers or change your insurance broker with Spot, which compares proposals and keeps your coverage in place until the new policy binds. **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 # Switch your business insurance or change brokers with Spot Tell your Spot team what you have today and when it renews, and we’ll help you compare options and move without a gap in coverage. Pick the provider you’re moving from. Each page explains what to check, how to time the change and how Spot helps you compare options. Where the provider is a broker, the page is about moving your program to a different broker, because Spot works alongside brokers rather than replacing them. - [Switch from AIG](https://spot.insure/switch-from/aig): Compare general liability, property, cyber and management liability proposals with Spot before your AIG policies renew. - [Switch from Alliance Risk](https://spot.insure/switch-from/alliance-risk): Compare brokers with Spot and move a technology company’s insurance program away from Alliance Risk without a lapse in coverage. - [Switch from Amelia Risk](https://spot.insure/switch-from/amelia-risk): Compare brokers with Spot and move a consumer-brand insurance program away from Amelia Risk with no gap in coverage. - [Switch from Aon](https://spot.insure/switch-from/aon): Compare brokers with Spot and move a growing company’s insurance program away from Aon without a gap in coverage. - [Switch from Armilla](https://spot.insure/switch-from/armilla): Compare AI liability and technology E&O proposals with Spot before you replace or renew an Armilla policy. - [Switch from At-Bay](https://spot.insure/switch-from/at-bay): Compare cyber and technology E&O proposals with Spot before you replace or renew your At-Bay policy. - [Switch from Baldwin](https://spot.insure/switch-from/baldwin): Compare brokers with Spot and move your commercial insurance program away from Baldwin without a lapse in coverage. - [Switch from Beazley](https://spot.insure/switch-from/beazley): Compare cyber, technology and executive risk proposals with Spot before you renew or replace a Beazley policy. - [Switch from Berkshire Hathaway Specialty Insurance](https://spot.insure/switch-from/berkshire-hathaway-specialty-insurance): Compare commercial and specialty proposals with Spot before you renew or replace a Berkshire Hathaway Specialty Insurance policy. - [Switch from biBerk](https://spot.insure/switch-from/biberk): See how Spot compares workers’ compensation, liability and auto proposals before your biBerk policy renews or ends. - [Switch from CFC](https://spot.insure/switch-from/cfc): Compare technology and cyber proposals with Spot before you renew or replace a CFC policy. - [Switch from Chubb](https://spot.insure/switch-from/chubb): Spot prepares one submission for your Chubb lines and compares proposals so you can decide before your renewal date. - [Switch from CNA](https://spot.insure/switch-from/cna): Compare liability, workers’ compensation, professional and management liability proposals with Spot ahead of your CNA renewal. - [Switch from Coalition](https://spot.insure/switch-from/coalition): Compare cyber and technology E&O proposals with Spot so you can see your options before your Coalition policy renews. - [Switch from Corgi](https://spot.insure/switch-from/corgi): Compare your options with Spot and move a startup insurance package from Corgi without a lapse in coverage. - [Switch from Coterie](https://spot.insure/switch-from/coterie): Spot compares general liability and business owner’s policy proposals so you can replace Coterie without a gap. - [Switch from Counterpart](https://spot.insure/switch-from/counterpart): Compare management and professional liability proposals with Spot before you renew or replace a Counterpart policy. - [Switch from Coverdash](https://spot.insure/switch-from/coverdash): Compare brokers with Spot and move your small-business insurance away from Coverdash without a lapse in coverage. - [Switch from Cowbell](https://spot.insure/switch-from/cowbell): Compare cyber and management liability proposals with Spot before you renew or replace a Cowbell policy. - [Switch from Embroker](https://spot.insure/switch-from/embroker): Compare brokers with Spot and move your D&O, cyber and tech E&O program away from Embroker without a gap in coverage. - [Switch from Founder Shield](https://spot.insure/switch-from/foundershield): Compare brokers with Spot and move a venture-backed company’s insurance away from Founder Shield without a gap in coverage. - [Switch from Foxquilt](https://spot.insure/switch-from/foxquilt): Compare general liability and professional liability proposals with Spot before you renew or replace a Foxquilt policy. - [Switch from Gallagher](https://spot.insure/switch-from/gallagher): Compare brokers with Spot and move your insurance program away from Gallagher without a gap in coverage. - [Switch from Harper](https://spot.insure/switch-from/harper): Compare brokers with Spot and move a hard-to-place business’s insurance program away from Harper with no gap in coverage. - [Switch from Heffernan](https://spot.insure/switch-from/heffernan): Compare brokers with Spot and move your insurance program away from Heffernan without a lapse in coverage. - [Switch from Hiscox](https://spot.insure/switch-from/hiscox): See how Spot compares general liability, professional liability and cyber options for your business before your Hiscox policy renews. - [Switch from HUB International](https://spot.insure/switch-from/hub-international): Compare brokers with Spot and move your insurance program away from HUB International without a gap in coverage. - [Switch from Insureon](https://spot.insure/switch-from/insureon): Find out who insures each policy you bought through Insureon, and let Spot take one submission to market so you can compare options. - [Switch from Kinro](https://spot.insure/switch-from/kinro): Compare brokers with Spot and move your small-business insurance away from Kinro without a lapse in coverage. - [Switch from Liberty Mutual](https://spot.insure/switch-from/liberty-mutual): Spot lines up general liability, property, auto and workers’ compensation proposals before your Liberty Mutual policies renew. - [Switch from Lockton](https://spot.insure/switch-from/lockton): Compare brokers with Spot and move your business insurance program away from Lockton without a gap in coverage. - [Switch from Markel](https://spot.insure/switch-from/markel): Spot compares small-business liability, professional, cyber and property proposals so you can decide before your Markel renewal. - [Switch from Marsh McLennan Agency](https://spot.insure/switch-from/marsh-mclennan-agency): Compare brokers with Spot and move your business insurance away from Marsh McLennan Agency without a lapse in coverage. - [Switch from Marsh](https://spot.insure/switch-from/marsh): Compare brokers with Spot and move your insurance program away from Marsh without a gap in coverage. - [Switch from Mylo](https://spot.insure/switch-from/mylo): Compare brokers with Spot and move your small-business insurance away from Mylo without a gap in coverage. - [Switch from Nationwide](https://spot.insure/switch-from/nationwide): Compare business owner’s, liability, property and workers’ compensation proposals with Spot before your Nationwide renewal date. - [Switch from Newfront](https://spot.insure/switch-from/newfront): Compare brokers with Spot and move your business insurance program away from Newfront without a gap in coverage. - [Switch from Next Insurance](https://spot.insure/switch-from/next-insurance): Compare general liability, workers’ compensation and property options with Spot, and move off Next Insurance without a gap in coverage. - [Switch from Pie Insurance](https://spot.insure/switch-from/pie-insurance): Compare workers’ compensation and liability proposals with Spot, and leave Pie Insurance on your own renewal timetable. - [Switch from Relm](https://spot.insure/switch-from/relm): Compare AI, digital asset and technology proposals with Spot before you renew or replace a Relm policy. - [Switch from Resilience](https://spot.insure/switch-from/resilience): Compare cyber and technology E&O proposals with Spot before you renew or replace a Resilience policy. - [Switch from RiskCube](https://spot.insure/switch-from/riskcube): Compare brokers with Spot and move your startup insurance program away from RiskCube without a lapse in coverage. - [Switch from Risklytics](https://spot.insure/switch-from/risklytics): Compare brokers with Spot and move your robotics or AI company’s insurance away from Risklytics without a lapse in coverage. - [Switch from Simply Business](https://spot.insure/switch-from/simply-business): Compare business owner’s, liability and workers’ compensation options with Spot and see what else is available beyond Simply Business. - [Switch from StartupInsurance.ai](https://spot.insure/switch-from/startupinsurance): Compare brokers with Spot and move your startup’s insurance away from your current startup agency with no gap in coverage. - [Switch from TechInsurance](https://spot.insure/switch-from/techinsurance): Compare brokers with Spot and move your software or IT firm’s insurance away from TechInsurance without a lapse in coverage. - [Switch from The Hartford](https://spot.insure/switch-from/the-hartford): Compare business owner’s, workers’ compensation and management liability proposals with Spot before your Hartford renewal date. - [Switch from THREE](https://spot.insure/switch-from/three): Compare package and small-business proposals with Spot before you renew or replace a THREE policy. - [Switch from Travelers](https://spot.insure/switch-from/travelers): Compare liability, property, auto and technology proposals with Spot and move from Travelers with no gap in coverage. - [Switch from USI](https://spot.insure/switch-from/usi): Compare brokers with Spot and move your insurance program away from USI without a gap in coverage. - [Switch from Vouch](https://spot.insure/switch-from/vouch): Compare brokers with Spot and move your startup insurance program from Vouch without a lapse in coverage. - [Switch from WithCoverage](https://spot.insure/switch-from/withcoverage): Compare brokers with Spot and move your growing company’s insurance away from WithCoverage without a lapse in coverage. - [Switch from WTW](https://spot.insure/switch-from/wtw): Compare brokers with Spot and move your insurance program away from WTW without a gap in coverage. - [Switch from Zurich](https://spot.insure/switch-from/zurich): Compare middle-market and specialty proposals with Spot before you renew or replace a Zurich policy. ## How do I switch business insurance without a gap in coverage? Get competing quotes before your renewal date, choose one, and have the new policy confirmed in writing before you cancel the old one. Your Spot team helps you with the timing and keeps your current policy in place until the replacement binds. ## How do I change my insurance broker? Usually with a broker of record letter, which tells your insurers to deal with a new broker from a set date, or by appointing the new broker at renewal. Check your current broker agreement for notice terms first, and keep every policy in force during the change. ## Does switching mean I have to cancel my policy? Only after the new policy is bound. Changing brokers doesn’t cancel your policies at all. It changes who services them. ## When is the best time to switch? Most businesses move at renewal, because the old policy ends by itself and nothing overlaps. If you move earlier, plan the new effective date so the policies overlap rather than leave a gap. ## Does Spot replace my broker, and does it charge commissions? No to both. Spot works alongside brokers and takes no commissions on premiums. You can keep your broker, or let your Spot team help you find a different one. ## Is Spot affiliated with the providers on these pages? No. Spot isn’t affiliated with any provider listed here. Their names appear only so you can find the page for the provider you’re moving from. [Get Started](https://app.spot.insure/signup?intent=broker-change) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-insurance.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)