--- title: "Insurance Required by a Customer Contract" description: "Find the insurance a customer contract requires: Spot reads the insurance clause, checks it against your policies and gets quotes for whatever is missing." canonical: "https://spot.insure/find-insurance/customer-contract" 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/find-insurance/customer-contract) ## Agent Guide **What this page is:** Find the insurance a customer contract requires: Spot reads the insurance clause, checks it against your policies and gets quotes for whatever is missing. **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 # Meet the insurance terms in your customer’s contract Send us the contract’s insurance clause, and your Spot team tells you what you already meet, what’s missing and what it takes to close the gap. - Each clause checked against the policies you already have - Quotes only for the coverage you’re actually missing - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?intent=requirements&coverage=general-liability&icp=professional-services) ## How it works - **Send us the contract.** Upload the agreement or paste the insurance section. Include any exhibit, vendor manual or onboarding form it points to, because requirements often hide there. - **See where your policies fall short.** Your Spot team compares each required coverage, limit and endorsement with what you carry and shows you the gaps before you agree to anything. - **Close the gaps with your broker.** We work with your broker, or one we introduce, to quote missing coverage, raise limits or add the endorsements the customer asked for. - **Send proof of coverage.** When the coverage is in place, generate the certificate in the Spot app for the customer’s legal entity and send it to their procurement team. A new customer sent over their master services agreement, and the insurance section has to be met before you can sign. ## Documents to have ready - **The insurance clause and exhibits.** The section that lists coverages, limits and endorsements, plus any insurance exhibit or supplier requirements it refers to. - **What you’ll do for this customer.** A plain description of the work, where it happens and whether you’ll use subcontractors. Insurers need it to see whether your policies fit. - **Your current policies.** Declarations pages and endorsements for every policy you carry, so the comparison works from real terms rather than a summary. - **The customer’s legal name and contact.** The entity that signs the contract and the person who collects certificates. - **Your signing date.** When you need to sign and when work starts, so your Spot team can tell you what can be done in that window. ## Coverage - [General liability](https://spot.insure/insurance/general-liability/quotes): Most customer contracts start here, for injury or property damage your business causes, especially if you work at their sites. - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes): If the customer pays for your advice or services, the contract may ask for cover for claims that a mistake cost them money. - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes): Software, hosting and integration contracts often ask for tech E&O, and the policy has to describe each service you sell. - [Cyber liability](https://spot.insure/insurance/cyber/quotes): A customer whose data you hold can require cover for breach response and claims after a security incident. - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes): When the contract’s limits are higher than your primary policies, an extra layer can sit above the policies listed underneath it. - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes): Customers often ask for it, and your states’ rules may already require it if you have employees. ## Common questions ### Can I push back on the customer’s insurance requirements? Yes, many customers will discuss them. Your Spot team shows you which requirements are costly or hard to get, so you can raise them before you sign. We don’t give legal advice on the contract itself. ### Do I need a new policy, or can my current one be changed? Often an endorsement or a higher limit on a policy you already have is enough. We check that first and only take coverage to market when you need it. ### What if the contract asks for something no insurer will give me? Your Spot team tells you early, so you can ask the customer for a change instead of finding out after you’ve signed. ### Does Spot replace my broker? No. We work with the broker you have, or help you find another one, and Spot takes no commissions on premiums either way. ## More - [Find insurance](https://spot.insure/find-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/find-insurance/customer-contract.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)