---
title: "Compare Product Liability Insurance Quotes"
description: "Compare product liability quotes with Spot: products aggregate against the general aggregate, defense terms, recall exclusions and treatment of your own product."
canonical: "https://spot.insure/insurance/product-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/product-liability/compare-quotes)

## Agent Guide

**What this page is:** Compare product liability quotes with Spot: products aggregate against the general aggregate, defense terms, recall exclusions and treatment of your own product.

**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 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.

- Products aggregate compared with the general aggregate
- Recall and own-product wording flagged
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=comparison&coverage=product-liability&icp=manufacturing)

## How it works

- **Share your products and the quotes.** Send your role in the supply chain, product descriptions, sales and where the products are sold, along with each proposal.
- **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.
- **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.
- **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.

## What to compare

- **Products aggregate.** The overall limit for products and completed operations, which is what claims after a product leaves your hands draw on.
- **General aggregate.** Compared with the products aggregate, so you can see whether the two share or sit apart.
- **Defense costs.** Whether defense expenses reduce either limit.
- **Your own product.** How the quote treats damage to your own product and claims that it failed to perform as expected.
- **Recall exclusions.** Whether withdrawing or recalling products is excluded. Product liability doesn’t automatically pay recall expenses.
- **Instructions, warnings and marketing.** Product instructions, warnings and marketing can all matter in a claim. Describe them to the broker.
- **Your role in the chain.** Whether you make, import, distribute or sell the product, and how each quote words that.

## Differences to watch for

- **Recall costs assumed to be in.** A recall is a separate cost. Check the exclusion in each quote and whether you need recall coverage.
- **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.
- **Aggregates that run out sooner.** A products aggregate that sits inside the general aggregate gets used up faster.
- **The role you play.** Quotes can differ depending on whether you manufacture, import or resell, so describe it precisely.

## Coverage

- [Product liability](https://spot.insure/insurance/product-liability/quotes)

## 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.

## More

- [Compare quotes](https://spot.insure/compare-insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/product-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)