Tell us about the product
Share what it is, who makes each part, where it’s sold and the instructions and warnings that ship with it.
Alder ManufacturingOrganized by Spot
Insurance When You Launch a Physical Product
Insure your physical product before it ships
Before your first units ship, your Spot team describes your product and your role in the supply chain to insurers, and checks quotes against your retailers’ terms.
- Your supply-chain role described the way underwriters ask
- Retailer and distributor requirements checked before you sign
- Keep your broker or switch, with no commissions on premiums
How it works
We read your retailer’s terms
Your Spot team checks the vendor agreement’s product liability limits and additional insured wording, so the quotes meet them from the start.
Product liability insurance
Alder Manufacturing · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Compare products cover and recall
We work with brokers to quote product liability and recall, and show how each quote treats the products aggregate and withdrawal costs.
Insurance documents
Requirements reviewProduct liability insurance
Coverage limits · Policy terms
Alder Manufacturing
Send proof to your retailers
Generate certificates in the Spot app for each retailer or distributor, and keep them current at every renewal.
MorganAlder Manufacturing
Can you help prepare proof of our product liability insurance?
Certificate of insurance
Alder Manufacturing
Ready for your review
When you need insurance
A retailer accepted your product, and their vendor agreement wants product liability in place before the first shipment.
Coverage to consider
Product liability
It can cover claims that a product you make, import, distribute or sell injured someone or damaged property, and your role in the supply chain shapes the policy.
Get quotesProduct recall
Product liability doesn’t automatically pay to locate and withdraw a product, so recall costs need their own cover if a problem would make you organize returns.
Get quotesGeneral liability
Products cover may come inside general liability as products-completed operations or as a separate policy, so confirm which you’re buying.
Get quotesCargo and transit
Goods you own in transit from the factory or to customers need cover that matches the route and any storage stops.
Get quotesCommercial property
Inventory in your warehouse or at a third-party facility needs property coverage, with its values and location listed.
Get quotes
Documents to have ready
- 01
Product descriptions
What each product is and does, its components and where they come from.
- 02
Your role
Whether you design, make, import, distribute or resell it, and who makes it if you don’t.
- 03
Sales and channels
Expected sales, the retailers and marketplaces you’ll sell through, and where the product is used.
- 04
Testing and labeling
Testing and quality-control records, instructions, warnings and marketing claims.
- 05
Retailer and distributor agreements
The insurance sections of each agreement, so quotes are matched to them.
Common questions
Does product liability pay for a recall?
Not automatically. Withdrawal and recall costs can be excluded even when product-injury claims are covered. Your Spot team shows you which quotes include them.
We only resell the product. Do we still need product liability?
Product claims can involve retailers and distributors as well as manufacturers. Describe your role in getting the product to customers, and we’ll compare coverage on that basis.
Can instructions and labels lead to a claim?
Yes. Instructions, warnings and marketing can be part of a product liability claim, so share them with your Spot team when we prepare the submission.
Do I have to buy through Spot’s broker?
No. Spot works with your broker if you have one, takes no commissions on premiums and can introduce you to one if you don’t.
Related
Get insurance off your to-do list.
Before your first units ship, your Spot team describes your product and your role in the supply chain to insurers, and checks quotes against your retailers’ terms.
Get StartedLearn more before you find insurance
Read these before you choose a policy or an insurer.
