Spot for Product Liability Insurance
We explain where you sit in the supply chain to brokers, compare product liability quotes and send proof when a retailer or partner asks.
Your Spot team writes up each product line, every role you play from design to retail, your sales, and where the products are sold and used, so the quote covers the business you actually run.
Testing, quality-control steps, customer complaints, warranty returns, lawsuits and prior losses all come up when eligibility and terms are discussed. Spot keeps them with your policies, so the next submission doesn’t start from a blank page.
MorganAlder Manufacturing
Let’s prepare the information for your broker and compare the terms, not just the price.
Product liability insurance policy
Coverage terms · Limits
Once brokers have taken your submission to market, we set each proposal’s products-completed operations aggregate beside its general aggregate, check whether defense costs reduce either one, and show how it treats damage to your own product and recalls.
Product liability insurance
Coverage limits · Policy terms
Alder Manufacturing
When a partner or investor wants evidence of product liability before the deal closes, ask in your shared Slack channel. Your Spot team gets a certificate ready that shows your products coverage.
MorganAlder Manufacturing
Certificate of insurance
Alder Manufacturing
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.
You design and make the product, so a defect, a weak warning label or an overstated marketing claim can all lead back to you.
You make one part or build to someone else’s design, and a lawsuit over the finished product can still name your business.
You didn’t make it, but moving it toward the customer puts you on the path a claimant can follow.
Selling a product can bring a product-liability claim even when someone else manufactured it.
Repackaging someone else’s goods still puts your business in the product’s chain, along with the labels and instructions you add.
What each industry usually faces, and where Spot fits in.
You sell or install an input, machine, or software-controlled device that could cause injury or damage after delivery.
You launch a garment, cosmetic formula, accessory, or new product use.
You sell or deliver a component, vehicle, control system, or completed repair that could later cause injury or property damage.
You deliver a component, payload, software, or completed integration that could cause injury or damage.
Your product or installation could cause bodily injury or damage to another party’s property.
You sell, import, or distribute a device, battery, accessory, or connected product.
You manufacture, import, distribute, or sell a product that could injure someone or damage their property.
You deliver a prototype or completed system, or finish integration, and the contract leaves you responsible for the product or work after acceptance.
You sell or distribute an assay, instrument, test kit, or other diagnostic product in addition to laboratory services.
You make, modify, or integrate an aircraft, controller, payload, or flight-related component.
You supply solar equipment or complete installation work that could lead to bodily injury or property damage.
You ship hardware, combine software with a device, or complete an installation that could injure someone or damage property.
Get quotes from 20+ product liability insurance providers with Spot.
Add it to your submission before it ships. Instructions, labels and marketing copy belong in the discussion as much as how the product is made.
Their agreement can make coverage a condition. Check what your current policy says about products before you commit to a date.
Taking on design, manufacturing or contract production changes your role in the chain, and the quote should change with it.
Bring updated sales, any new markets and whatever came in through complaints or warranty returns, then compare the products terms again before the policy rolls over.
Product liability addresses claims for injury and damage. It doesn’t automatically pay to pull products back, so ask whether separate product recall coverage fits.
Also known as products liability insurance, products-completed operations insurance and product liability coverage.
Get quotes from 20+ product liability 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.
