--- title: "Automotive" description: "Automotive company insurance for hardware and software makers: commercial auto, product liability, garage and recall terms, sorted before your next road test." canonical: "https://spot.insure/insurance-for/automotive" 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/insurance-for/automotive) ## Agent Guide **What this page is:** Automotive company insurance for hardware and software makers: commercial auto, product liability, garage and recall terms, sorted before your next road test. **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 # Spot for Automotive Companies Get quotes from automotive insurance providers with Spot. We line up quotes for your test fleet and the product you build, compare them on more than price and help you buy before the next pilot. - Road tests and product claims kept on separate forms - Customer vehicles in your care reviewed before a pilot - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=commercial-auto&industry=automotive&icp=manufacturing). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **List every vehicle and how it’s used.** Your Spot team lists your owned fleet, borrowed prototypes, customer vehicles, test routes and drivers, because a commercial auto quote only addresses the vehicles and uses it describes. 2. **Check the pilot agreement’s vehicle terms.** Send the customer’s pilot agreement. Spot checks how it assigns test drivers, vehicle damage, passenger injury and customer property, and compares that with the quote. 3. **See which policy covers each problem.** We work with brokers to take your submission to market and ask where a road incident, a defective component, a software error and a recall would each land, since general liability lists automobile among its major exclusions. 4. **Get certificates for OEMs and fleet customers.** When a manufacturer or fleet partner wants proof of insurance before a test begins, post the request in your shared Slack channel. Your Spot team gets the certificate ready and flags any vehicle or driver the partner expects that your auto policy doesn’t list. ## Who we help - **Vehicle and component makers.** A part or vehicle you deliver can cause injury or damage after it leaves your control. - **Autonomy and vehicle software teams.** Vehicle behavior depends on your software, updates or data service, and a customer may claim an error caused a loss. - **Testing and validation programs.** Your team drives owned, leased or borrowed prototypes on public roads and closed courses. - **Service and upfit shops.** You store, repair, move or road-test vehicles that belong to customers. ## Coverage - [Commercial auto](https://spot.insure/insurance/commercial-auto) - [Product liability](https://spot.insure/insurance/product-liability) - [General liability](https://spot.insure/insurance/general-liability) - [Garage liability](https://spot.insure/insurance/garage-liability) - [Product recall](https://spot.insure/insurance/product-recall) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions) ## When to get this coverage - **Your first public-road test is scheduled.** List who drives, which vehicles and which routes. Ask the broker to name the auto form and any testing limits before the car leaves the lot. - **A customer is supplying the vehicle.** Their agreement may make you responsible for the vehicle, its driver and its passengers. Check how the quote treats a vehicle you don’t own. - **Customer vehicles are parked in your shop.** Storing, servicing or moving someone else’s car raises a garage question. Ask whether the proposed wording covers vehicles in your care, custody or control. - **You’re about to ship units.** Settle when a component leaves your control and how integration and repair work are described, so products and completed-operations terms match. - **A defect could mean pulling units back.** Recall cost is its own buying question. Ask whether a recall form exists for your product and which notification, shipping and repair costs it names. ## Common questions Also known as automotive company insurance, automotive manufacturer insurance, auto parts manufacturer insurance, autonomous vehicle company insurance, electric vehicle company insurance and automotive tech insurance. ### Is automotive company insurance the same as car insurance? No. Commercial auto covers the vehicles you drive; the product you build or code needs product liability, recall terms and sometimes tech E&O. Spot quotes each on its own form and checks they fit together. ### Does general liability cover our road tests? No. Automobile is a major general liability exclusion. Spot reviews the actual auto wording and the declared use of each vehicle you test. ### Does NHTSA recall reporting apply to us? That depends on what you make and your role, not on being in automotive. Reporting duties and the insurance question of who pays to retrieve and repair units are separate, and Spot keeps them apart in your review. ### Who covers a customer’s car while we’re working on it? That’s a garage question, and the line name alone doesn’t settle it. Your Spot team asks brokers whether proposed garage wording covers customer vehicles in your custody, including road tests and employees moving them. ### Do we need tech E&O if we sell hardware? If customers rely on your software, calibration, diagnostics or data service, a claim may allege an error rather than injury. Spot compares tech E&O alongside your product liability so the two fit. ### Our broker handles our fleet policy. Can they place the product and recall side too? If they place those lines, yes. Spot works alongside your broker on the whole program and takes no commissions on premiums. Otherwise, we can help you move the program to a broker who works with automotive manufacturers. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/automotive.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)