--- title: "Home and Personal Products" description: "Spot helps home goods, furniture and appliance brands buy product, delivery and installation coverage that matches how products reach the home." canonical: "https://spot.insure/insurance-for/home-and-personal" 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/home-and-personal) ## Agent Guide **What this page is:** Spot helps home goods, furniture and appliance brands buy product, delivery and installation coverage that matches how products reach the home. **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 Home and Personal Products Brands Get quotes from home and personal products insurance providers with Spot. We get quotes for what you sell and how it reaches people’s homes, then compare them with you before your next retail launch. - Product sales, delivery and installation described separately - Marketplace and retailer requirements checked for you - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=product-liability&industry=home-and-personal&icp=retail). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us what you sell and what you install.** 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. 2. **See what a package policy leaves out.** 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. 3. **Meet marketplace requirements.** 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. 4. **Get certificates for every store and marketplace.** 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. ## Who we help - **Furniture and home goods brands.** Products customers assemble or use every day can cause injury, and retailers often ask for product liability before they list you. - **Appliance and connected-device makers.** Electrical products carry their own product liability questions, and model-by-model detail matters to the quote. - **Brands that deliver, assemble or install.** 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 products companies.** Children’s goods raise their own product safety questions, so warnings, components and import roles belong in the application. ## Coverage - [Product liability](https://spot.insure/insurance/product-liability) - [General liability](https://spot.insure/insurance/general-liability) - [Commercial auto](https://spot.insure/insurance/commercial-auto) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) ## When to get this coverage - **You’re adding installation or repair.** Work in customers’ homes is a different exposure from selling a product. Add it to the application before your first job. - **You’re starting your own deliveries.** Owned, leased or employee vehicles used for delivery usually need commercial auto quoted on its own. - **A marketplace wants proof of coverage.** Match the requested limits and additional insured status to your policy before you agree to their terms. - **Returns and refurbished stock are piling up.** Returned goods, customer property and stock at a returns center belong on the property schedule at the right values. - **You’ve received a product-defect report.** Keep the report, model and lot details, sales records and any corrective action, and disclose material incidents accurately at renewal. ## Common questions Also known as home goods insurance, household products insurance, home products company insurance, furniture company insurance, furniture brand insurance and appliance company insurance. ### What insurance does a furniture or home goods brand need? Product liability for what you sell, general liability for your premises and installs, commercial auto if you run delivery vans, property and inland marine for stock, and workers’ compensation for crews. Spot writes each activity into one submission. ### Does a business owner’s policy include our delivery vans? Typically not. Commercial auto is usually separate. Spot lists who owns and drives each vehicle and asks brokers to quote that use directly. ### Is damage to a customer’s home during installation covered? That turns on the general liability wording, including exclusions for your own work or the item being handled. Spot asks brokers how each proposal treats installation and completed work. ### We use a third-party warehouse. Does our property policy reach it? Check that the warehouse is on your location schedule, or ask whether an inland marine form addresses stock held there. Send us the warehouse agreement and we’ll add the site to your submission. ### What product details does a quote need? Brokers need your product list with models and suppliers, plus your sales channels, service contracts, vehicle details, staff roles and locations. Your Spot team builds the submission around that list. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/home-and-personal.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)