Spot for Home and Personal Products Brands
We get quotes for what you sell and how it reaches people’s homes, then compare them with you before your next retail launch.
Your Spot team writes up product sales apart from assembly, repair, installation and in-home visits, along with product models, import roles, vehicles and the staff who do the work.
Spot works with your broker to shop the submission, then compares product liability, general liability, property and commercial auto, so a delivery van isn’t assumed to sit inside a business owner’s policy.
Product liability insurance
Coverage limits · Policy terms
Maple Market
Send the marketplace or retailer agreement. Spot checks its requested limits and endorsement wording against your coverage and follows up with your broker on anything missing.
Product liability insurance
Maple Market · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
When a retailer, marketplace or property manager asks for a certificate, post the request in your shared Slack channel. Your Spot team compares the requested names and limits with your policies before the certificate goes out.
JordanMaple Market
Certificate of insurance
Maple Market
Ready for your review
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
Products customers assemble or use every day can cause injury, and retailers often ask for product liability before they list you.
Electrical products carry their own product liability questions, and model-by-model detail matters to the quote.
Once your team works inside a customer’s home, you need the work, the vans and the crew described as well as the product.
Children’s goods raise their own product safety questions, so warnings, components and import roles belong in the application.
The policies companies like yours are usually asked for, and when each one comes up.
You sell furniture, children’s goods, electrical appliances, or products that customers assemble or use at home.
You open a showroom, repair location, or provide home delivery, assembly, or installation.
The company owns, leases, or regularly uses vehicles for deliveries or in-home service.
You hold stock, returns, refurbished items, or repair equipment at a showroom or warehouse.
Products move between suppliers, warehouses, customers, and repair or refurbishment sites.
You hire warehouse, delivery, repair, or installation staff.
Get quotes from 45+ home and personal products insurance providers with Spot.
Work in customers’ homes is a different exposure from selling a product. Add it to the application before your first job.
Owned, leased or employee vehicles used for delivery usually need commercial auto quoted on its own.
Match the requested limits and additional insured status to your policy before you agree to their terms.
Returned goods, customer property and stock at a returns center belong on the property schedule at the right values.
Keep the report, model and lot details, sales records and any corrective action, and disclose material incidents accurately at renewal.
Also known as home goods insurance, household products insurance, home products company insurance, furniture company insurance, furniture brand insurance and appliance company insurance.
Get quotes from 45+ home and personal products insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
