---
title: "Medical Devices"
description: "Medical device and medtech insurance help: product liability, recall, cyber for connected devices, and property for prototypes, before your first study or sale."
canonical: "https://spot.insure/insurance-for/medical-devices"
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/medical-devices)

## Agent Guide

**What this page is:** Medical device and medtech insurance help: product liability, recall, cyber for connected devices, and property for prototypes, before your first study or sale.

**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 Medical Device Companies

Get quotes from medical device insurance providers with Spot.

We take your devices to brokers, compare the product and recall quotes with you and help you buy before the first shipment.

- Product liability matched to each device and stage
- Connected features reviewed for cyber and product overlap
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=product-liability&industry=medical-devices&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 device and who makes it.** Your Spot team lists each device and accessory, its intended use and territory, and which entity designs, makes, labels, tests, installs and services it.
2. **Review the manufacturing agreement.** Send the manufacturer or distributor agreement. Spot reads its indemnities and insurance requirements and checks them against your policies before you sign.
3. **Compare quotes on device claims and recalls.** We work with brokers to take your submission to market and ask how each proposal treats a device claim, a recall and a connected-feature incident, then show you where the policies leave a gap.
4. **Get certificates for hospitals and distributors.** When a hospital system or distributor asks for proof of insurance, your Spot team gets the certificate ready from your policies and works with your broker on any wording the request names.

## Who we help

- **Device startups entering a study.** Moving from prototype to a device study changes how product liability needs to describe you.
- **Companies preparing for commercial sale.** Distribution and sales territories bring product and recall questions you haven’t had to answer.
- **Connected device makers.** Your device transmits patient data or depends on a cloud or software vendor, so cyber and product proposals both need to address it.
- **Device companies using contract manufacturers.** Customer indemnities and manufacturer agreements decide who answers for what.

## Coverage

- [Product liability](https://spot.insure/insurance/product-liability)
- [Product recall](https://spot.insure/insurance/product-recall)
- [Cyber liability](https://spot.insure/insurance/cyber)
- [Commercial property](https://spot.insure/insurance/commercial-property)
- [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine)

## When to get this coverage

- **You’re starting a device study.** Ask a specialist broker how product liability treats your device, software and study stage.
- **You’re signing a manufacturing contract.** Share customer indemnities and manufacturer agreements so the application reflects who does each job.
- **Your first commercial shipment is close.** Give the broker the intended use, manufacturer and distributor roles, territory and destination before the device ships.
- **Demo units are going to trade shows and sites.** Ask whether inland marine terms list the devices, tools and routes while they’re away from your site.
- **You might need to recall a device.** Before a correction or removal happens, find out whether recall coverage is available for your device and which notification, shipping, replacement and consultant costs it would pay.

## Common questions

Also known as medical device insurance, medical device company insurance, medical device manufacturer insurance, medtech insurance and medical technology insurance.

### What insurance does a medtech startup need before its first sale?

Product liability usually leads, with product recall alongside it. Connected devices bring cyber questions, and prototypes and stock need property and inland marine. Spot builds the product list brokers quote from.

### Does FDA device status tell us what our insurance covers?

No. FDA status helps describe the device, intended use and stage. The policy forms and exclusions decide what a claim, recall or contract requirement gets.

### Does product liability cover a recall?

Not by default. Recall expense is a separate buying question, so Spot asks specialists whether a recall form is available for your device.

### Which policy covers harm from a connected feature?

There’s no stock answer. Cyber and product forms may each address part of that scenario, so your Spot team puts the same connected-feature claim to every proposal and compares the responses.

### What should a broker know before our first shipment?

Give them the device’s intended use, the manufacturer and distributor roles, the territory and the destination. Add contract, installation, service and transit details where they apply.

### Our broker doesn’t place much medical device business. What are our options?

Spot can work alongside your broker, or help you switch to one with specialist device markets. Spot takes no commission on your premiums in either case.

## More

- [Business Insurance by Industry](https://spot.insure/insurance-for)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-for/medical-devices.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)