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Alder ManufacturingOrganized by Spot
Compare Product Liability Insurance Quotes
Compare product liability insurance quotes with Spot
Product liability quotes differ on aggregates, defense and recall exclusions, so Spot compares them for the products you make or sell.
Compare quotes from 20+ product liability insurance providers
- Products aggregate compared with the general aggregate
- Recall and own-product wording flagged
- Keep your broker or switch, with no commissions on premiums
How it works
We compare aggregates and defense
Spot sets each quote’s products-completed-operations aggregate beside its general aggregate and notes whether defense costs reduce either.
Product liability insurance
Alder Manufacturing · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Ask what a recall would mean
Your Spot team checks whether each quote excludes withdrawing or recalling products, and what that leaves to a separate policy.
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MorganAlder Manufacturing
Can you help compare our product liability insurance options?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Choose and bind
Pick the quote that fits your products. Your Spot team helps you bind it and sends proof when a retailer or partner asks.
MorganAlder Manufacturing
Can you help prepare proof of our product liability insurance?
Certificate of insurance
Alder Manufacturing
Ready for your review
What to compare
- 01
Products aggregate
The overall limit for products and completed operations, which is what claims after a product leaves your hands draw on.
- 02
General aggregate
Compared with the products aggregate, so you can see whether the two share or sit apart.
- 03
Defense costs
Whether defense expenses reduce either limit.
- 04
Your own product
How the quote treats damage to your own product and claims that it failed to perform as expected.
- 05
Recall exclusions
Whether withdrawing or recalling products is excluded. Product liability doesn’t automatically pay recall expenses.
- 06
Instructions, warnings and marketing
Product instructions, warnings and marketing can all matter in a claim. Describe them to the broker.
- 07
Your role in the chain
Whether you make, import, distribute or sell the product, and how each quote words that.
Differences to watch for
- 01
Recall costs assumed to be in
A recall is a separate cost. Check the exclusion in each quote and whether you need recall coverage.
- 02
A failure claim is not an injury claim
A claim that the product didn’t work is treated differently from one that it hurt someone.
- 03
Aggregates that run out sooner
A products aggregate that sits inside the general aggregate gets used up faster.
- 04
The role you play
Quotes can differ depending on whether you manufacture, import or resell, so describe it precisely.
Providers your broker can approach
Compare quotes from 20+ product liability insurance providers.
- AIG
- Alliance Risk
- Amelia Risk
- Beazley
- Berkshire Hathaway Specialty Insurance
- CFC
- CNA
- And many more
Common questions
Does product liability cover a recall?
Not automatically. Spot checks each quote’s recall exclusion and shows what recall coverage would add.
What do insurers want to see?
Product descriptions, your role, sales, testing and quality-control records, complaints, warranty history and prior losses.
Do I have to change brokers?
No. Spot works with brokers instead of replacing them, and takes no commissions on premiums.
How is this different from general liability?
General liability can include a products section. Spot compares it with a dedicated product liability quote.
Related
Get insurance off your to-do list.
Product liability quotes differ on aggregates, defense and recall exclusions, so Spot compares them for the products you make or sell.
Get StartedLearn more before you compare quotes
Read these before you choose a policy or an insurer.
