What should I do with a customer product-defect report when renewing insurance?

Preserve the report, product model and lot information, sales records, and any follow-up or corrective action, then disclose material incidents accurately in the application.

Ask the broker how to report the incident to the insurer and review any notice conditions, exclusions, or product schedules. A report or compliance step does not determine whether a claim is insured.4

Read the Home and Personal Insurance Buying Guide

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. Editorial Policy

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