--- title: "Compare General Liability Insurance Quotes" description: "Compare general liability quotes with Spot: each proposal’s aggregates, defense terms, insureds and exclusions side by side before you choose and bind." canonical: "https://spot.insure/insurance/general-liability/compare-quotes" 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/general-liability/compare-quotes) ## Agent Guide **What this page is:** Compare general liability quotes with Spot: each proposal’s aggregates, defense terms, insureds and exclusions side by side before you choose and bind. **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 # Compare general liability insurance quotes with Spot Once proposals come back, Spot sets their limits, defense terms, insureds and exclusions next to each other so you can choose on coverage. - Aggregates and defense terms read the same way across quotes - Exclusions and insured names flagged where proposals differ - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?intent=comparison&coverage=general-liability&icp=small-business) ## How it works - **Share the quotes you have.** Send proposals from your broker or ask your Spot team to collect them. Add your current policy so there’s a baseline to measure against. - **We read each proposal the same way.** Spot pulls the limits, aggregates, defense terms, insureds and exclusions out of every document and lines them up in one view. - **Ask your Spot team what differs.** Message your shared Slack channel when two quotes look alike but price differently. Your team explains which term accounts for it and takes your questions to the broker. - **Choose and bind.** Pick the quote that fits your operations and any lease or contract wording. Your Spot team helps you bind it and files the policy in your workspace. ## What to compare - **Per-occurrence limit.** The most the policy can pay for a single incident. Two quotes can show the same figure and still behave differently once the aggregates are read. - **General aggregate.** The total available for covered claims in the policy period. A busy year of small claims draws it down. - **Products and completed-operations aggregate.** A separate limit for claims that arrive after a product leaves your hands or a job is finished. It matters most if you build, install or sell. - **Defense terms.** Whether the insurer defends you and whether defense costs reduce the limits. When they do, legal bills shrink what’s left for a settlement. - **Property in your care and your own work.** Damage to someone else’s property isn’t treated like damage to the item you’re working on or the work you finished. Check how each quote draws that line. - **Who is insured.** The businesses and people named on the policy. Confirm every entity you operate is on each quote. - **Exclusions for other exposures.** Auto, employee injury, pollution and alcohol-related claims are usually handled elsewhere. See which ones each proposal excludes. - **Contract wording.** If your lease or customers require additional insured status, check the quote names the form and whether it’s blanket or per-contract. ## Differences to watch for - **Same limit, different defense treatment.** Quotes with matching limits can differ on whether defense costs sit inside them. The cheaper one may leave less to pay a claim. - **A missing entity.** If you’ve added a business or location since your last renewal, a proposal built from old information may not name it. - **Medical payments and advertising injury.** Medical payments are a smaller, separate limit, and advertising injury covers specified offenses only. Don’t assume every proposal includes both on the same terms. - **Endorsements priced separately.** Additional insured and waiver wording can arrive as add-ons. Count them before you compare totals. ## Coverage - [General liability](https://spot.insure/insurance/general-liability/quotes) ## Common questions ### Can Spot compare quotes my broker already collected? Yes. Send the proposals and Spot sets them side by side on coverage terms. Spot works with brokers and takes no commissions on premiums. ### Does a higher aggregate always mean better coverage? No. A larger number helps only if defense costs, exclusions and insureds are also in your favor, which is why Spot lines those up next to the limits. ### Which quote should I pick? Spot shows where proposals differ and what each difference means for your operations. You and your broker decide, and your Spot team helps you bind the one you choose. ### Will my landlord’s insurance requirements show up in the comparison? Send the lease clause and Spot checks each quote against it, including the limits and additional insured wording it names. ## More - [Compare quotes](https://spot.insure/compare-insurance-quotes) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance/general-liability/compare-quotes.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)