Spot for Government Contractors

Get quotes from 50+ government contractor insurance providers with Spot

We read your solicitation for every insurance clause and bond, get quotes that meet them and have certificates ready for the contracting officer.

Get StartedHow It Works

Every insurance clause in the award listed and checked
Bid guarantees and performance bonds tracked separately
Keep your broker or switch, with no commissions on premiums

Two government contractors walk side by side carrying proposal binders.

How Spot helps Government Contractors

Find the insurance terms in your solicitation

Your Spot team records each insurance clause, stated kind and amount of insurance, required period, proof, notice and endorsement in the solicitation, contract and Schedule.

General liability insurance

Juniper Consulting · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Tell us about your sites, staff and work

We list your contracting entities, sites, work, vehicles, staff locations, data and subcontractors, so the broker can match each requirement to the right policy.

Juniper ConsultingOrganized by Spot

Travelers

The Hartford

Chubb

Find what a quote leaves out

As brokers bring back proposals, we compare the proposed forms and endorsements with the contract wording and ask the broker to resolve any requested term a proposal doesn’t show.

Chubb

The Hartford

TravelersQuote request

General liability insurance

Coverage limits · Policy terms

Juniper Consulting

Get proof of insurance before work begins

When the contracting officer or a prime asks for evidence of insurance, message your Spot team in Slack. We get it ready from your policies and work with your broker on any endorsement the clause calls for.

How buying insurance works for Government Contractors

Company profile
Operations
Locations
Current policies
Contracts
01
Tell us about your business
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
02
We write up your application
Spot turns it into an application that describes your business the way insurers need to see it.
Quotes requested
Sent
Insurance companyQuoting
Specialist insurerQuoting
Wholesale marketQuoting
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.
04
Compare your quotes
We put the quotes side by side on limits, exclusions and terms as well as price.
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.

Government Contractors we help

First-time federal contractors
Your first award may include FAR insurance clauses and Schedule requirements you must meet before work starts.
Contractors working on installations
Work at a Government installation can require contract-specified insurance and flow-down to your subcontractors.
Professional and technology services firms
Your consulting, software or analytics deliverables matter to the agency, and federal clauses don’t set a universal E&O requirement.
Construction and services bidders
The solicitation may require a bid guarantee, performance bond or payment bond as well as insurance.

Insurance Government Contractors usually carry

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

General liability
The solicitation or contract includes FAR 52.228-7, FAR 52.228-5, or another clause that lists general liability or requires a stated limit for your work.
Workers’ compensation
A federal clause, state work location, or contract schedule calls for workers compensation or employers liability, or your workforce spans states or contract sites.
Commercial auto
Your contract work uses owned, leased, rented, or employee vehicles, or the solicitation includes an auto-liability clause or schedule requirement.
Surety bonds
A federal solicitation includes a bid guarantee provision or requires a performance bond or performance-and-payment bond.
Professional errors and omissions (E&O)
You provide consulting, software, engineering, analytics, training, or another service whose deliverable or performance is material to the customer’s work.
Cyber liability
Your federal work stores, processes, or accesses agency, employee, customer, or other sensitive information, or depends on a cloud, software, or subcontractor service.

Insurers that quote Government Contractors

Get quotes from 50+ government contractor insurance providers with Spot.

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

When Government Contractors need insurance

01
You’re responding to a solicitation
List every insurance clause and bond requirement before you price, and keep policy evidence and surety bonds on separate checklists.
02
Your contract involves work on a Government installation
Check whether the installation-work clause applies, what insurance it requires during performance and what flows down to subcontractors.
03
The solicitation requires a bid guarantee
Record the required instrument, its form, amount and deadline, and ask the surety what it needs from you.
04
Your staff work in several states or sites
Disclose actual locations and duties, and check each state’s workers’ compensation requirement separately.
05
You’ll handle agency data
Inventory data, system access, vendors and contract security terms before you ask about cyber coverage.

Questions from Government Contractors

Also known as government contractor insurance, federal contractor insurance, government contracting insurance, GSA contractor insurance and public sector contractor insurance.

What insurance does a GSA contractor need?

A GSA Schedule doesn’t carry one package; each order or contract can add its own clauses. Most contractors start with general liability, workers’ compensation and commercial auto, then add E&O, cyber or bonds as awards require. Spot lists what yours says.

Do all federal contractors have the same insurance requirements?

No. The FAR says agencies don’t ordinarily concern themselves with a fixed-price contractor’s insurance but may specify it in special circumstances. Your contract’s clauses and Schedule decide what you need.

Is a bid guarantee the same as insurance?

No. Bid guarantees, performance bonds and payment bonds are surety instruments, separate from liability, auto, workers’ compensation, cyber or professional liability insurance.

Does the government reimburse our premiums?

Don’t assume so. Some clauses address cost reimbursement in stated circumstances, but none promises it for every premium or loss. Spot reads the full clause in your contract.

Which award documents should we send?

Send the solicitation or signed contract and its Schedule, plus a list of your entities, sites, staff locations, vehicles, data and subcontractors. Your Spot team prepares the submission from them.

Can our current broker handle the placement?

Yes. Spot works alongside your broker on the clauses in the award and takes no commissions on premiums. If your broker doesn’t write surety or can’t meet a clause, you can bring in a surety or switch brokers.