Spot for Defense Companies

Get quotes from 50+ defense insurance providers with Spot

We check every insurance clause in your prime contract or subcontract, get quotes to match and have certificates ready when you bid.

  • Prime clauses and flow-downs checked against your policies
  • Prototype delivery and site work quoted as separate stages
  • Keep your broker or switch, with no commissions on premiums
An engineer crouches beside a rugged sensor unit on a tripod with its case open.

How Spot helps Defense Companies

List every insurance clause in your contracts

Your Spot team lists each contract party, clause or flow-down, requested limit and the work stage it describes, so prototype delivery and post-acceptance support sit on separate rows.

General liability insurance

Alder Manufacturing · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Track who has each test unit

We note who owns each test unit during build and testing, who takes custody at delivery, and where customer- or government-furnished items sit, with values for each.

Alder ManufacturingOrganized by Spot
Travelers
The Hartford
Chubb

Compare quotes for each stage of the contract

After brokers take the crosswalk to market, Spot asks which proposed wording matches each stage and flags any requested term a proposal doesn’t show.

Chubb
The Hartford
TravelersQuote request

General liability insurance

Coverage limits · Policy terms

Alder Manufacturing

Get the prime contractor its certificate

When a prime or contracting office asks for proof of insurance before work begins, send the request to your Spot team in Slack with the contract and site. We check it against the clause and work with your broker on the certificate.

MorganAlder Manufacturing

Can you help prepare proof of our general liability insurance?

Certificate of insurance

Alder Manufacturing

Ready for your review

How buying insurance works for Defense Companies

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

Defense Companies we help

  • Defense tech startups

    Your first prototype award or subcontract comes with insurance terms you haven’t met before.

  • Subcontractors

    The prime flows down insurance requirements that may not match the work you actually perform.

  • Integrators and field teams

    Your engineers install and support systems at customer or government sites after acceptance.

  • Hardware makers delivering test units

    A unit moves from your lab to a range or customer site, sometimes next to government-furnished property.

Insurance Defense Companies usually carry

The policies companies like yours are usually asked for, and when each one comes up.

  • General liability

    A prime clause or subcontract flow-down asks for bodily-injury liability during prototype testing, site integration, or post-acceptance support.

  • Product liability

    You deliver a prototype or completed system, or finish integration, and the contract leaves you responsible for the product or work after acceptance.

  • Commercial property

    A prototype or test unit remains at your lab, moves to a customer site, or is held alongside customer- or government-furnished property.

  • Workers’ compensation

    You hire employees or subcontractors for prototype testing, installation, integration, or continuing work at a federal or customer site.

  • Commercial auto

    Employees drive company, hired, or non-owned vehicles to deliver test units or perform contract-site integration and support.

  • Cyber liability

    Prototype integration or continuing support involves contract data, connected equipment, or remote access to customer systems.

Insurers that quote Defense Companies

Get quotes from 50+ defense insurance providers with Spot.

  • AIG
  • Alliance Risk
  • Amelia Risk
  • Aon
  • At-Bay
  • Beazley
  • Berkshire Hathaway Specialty Insurance
  • And many more

When Defense Companies need insurance

  • 01

    You’re pricing a federal bid

    Identify which insurance provisions apply to this award before you price it. Ask the contracting officer when the clause is unclear.

  • 02

    A prime sent a subcontract

    Compare its flow-down with the prime clause and your actual tasks, and note where they differ.

  • 03

    A prototype is leaving your lab

    Record who owns and holds it during testing, at delivery and at the customer site, with its value at each point.

  • 04

    Your team returns for integration or support

    Continuing site work raises its own liability, workers’ compensation and auto questions. Quote it separately from the delivery.

  • 05

    Your work touches contract data or customer systems

    Map the systems, data and vendors involved before comparing cyber proposals, and don’t read a quote as confirming program eligibility.

Questions from Defense Companies

Also known as defense contractor insurance, defense tech insurance, defense company insurance, defense subcontractor insurance and defense manufacturer insurance.

What does defense contractor insurance usually include?

General liability, product liability, property, workers’ compensation, commercial auto and cyber come up most, with the limits set by your prime contract or its flow-downs. Spot lists each clause and matches a policy to it.

Does the FAR set one insurance package for defense contractors?

No. Federal insurance provisions depend on the contract type, the work and the clauses in your award, including vehicle use for auto terms. Spot reads the actual solicitation.

How do we get quotes for delivery and site work?

Treat them as separate stages. For each, Spot records the contract party, clause, property owner, requested limit and continuing duties so the broker can match terms to the work.

Is government-furnished property insured like our own?

Not automatically. Property forms can treat property of others differently from your own. We ask each broker how their proposal describes it.

What do we send for a defense quote?

The solicitation or subcontract, statement of work, site list, worker and vehicle roles, and the items you build or hold. Spot assembles the submission from them.

Our broker hasn’t handled a federal subcontract before. Do we have to switch?

No. Spot works alongside your current broker, prepares the clause crosswalk with them and takes no commissions on premiums. If you need markets that write more defense work, Spot can help you move to a broker who has them.

Get insurance off your to-do list.

Get quotes from 50+ defense insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

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