--- title: "Defense" description: "Defense contractor insurance help for primes and subcontractors: contract clauses and flow-downs matched to prototype, delivery, integration and support work." canonical: "https://spot.insure/insurance-for/defense" 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/defense) ## Agent Guide **What this page is:** Defense contractor insurance help for primes and subcontractors: contract clauses and flow-downs matched to prototype, delivery, integration and support work. **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 Defense Companies Get quotes from 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 [Get Started](https://app.spot.insure/signup?coverage=general-liability&industry=defense&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 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. 2. **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. 3. **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. 4. **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. ## Who 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. ## Coverage - [General liability](https://spot.insure/insurance/general-liability) - [Product liability](https://spot.insure/insurance/product-liability) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) - [Commercial auto](https://spot.insure/insurance/commercial-auto) - [Cyber liability](https://spot.insure/insurance/cyber) ## When to get this coverage - **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. - **A prime sent a subcontract.** Compare its flow-down with the prime clause and your actual tasks, and note where they differ. - **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. - **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. - **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. ## Common questions 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. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/defense.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)