---
title: "Product Liability Insurance Quotes"
description: "Get product liability quotes with Spot: we describe your products, supply-chain role and records, take one submission to market and compare the proposals."
canonical: "https://spot.insure/insurance/product-liability/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/quotes)

## Agent Guide

**What this page is:** Get product liability quotes with Spot: we describe your products, supply-chain role and records, take one submission to market and compare the proposals.

**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

# Get product liability insurance quotes with Spot

Tell your Spot team what you make, import or sell and where it goes, and we prepare the submission brokers use to quote product liability.

- Every product and supply-chain role described
- Product aggregates and recall exclusions checked quote by quote
- Keep your broker or switch, with no commissions on premiums

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

## How it works

- **List your products and your role.** Tell us what you make, import, distribute or sell. Your Spot team asks which of those roles you actually perform.
- **Add sales and quality records.** We collect sales, where products are sold, testing and quality-control records, complaints and prior losses into one submission.
- **Brokers take it to market.** We work with brokers to request proposals from insurers that write products like yours, and follow up on their questions.
- **Compare aggregates and exclusions.** Each proposal’s products-completed-operations aggregate, defense treatment and recall exclusion sit side by side.

## What you’ll need

- **Product descriptions.** What each product is, who uses it and how.
- **Your role in the supply chain.** Whether you design, manufacture, import, distribute or sell it, since each role carries different exposure.
- **Sales.** Annual product sales, which insurers use to rate the exposure.
- **Where products are used or sold.** Markets and channels, including any sold outside the country.
- **Testing and quality control.** How products are tested and checked before they ship.
- **Instructions, warnings and marketing.** Manuals, labels and claims you make about the product, which can all matter in a claim.
- **Complaints, warranty claims and prior losses.** Past lawsuits, warranty records and loss history for the eligibility discussion.

## What affects your price

- **What the product is.** Products that could injure someone are rated differently from low-risk goods.
- **Sales volume and markets.** More sold, and sold in more places, means more exposure.
- **Your role in the chain.** A manufacturer carries different exposure from a retailer who resells.
- **Limits and aggregates.** Higher per-claim and aggregate limits cost more, and defense costs reducing them changes what you really have.
- **Quality records and claims.** Testing, complaint history and prior losses shape how insurers judge the product.

## Coverage

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

## Common questions

### Is product liability part of general liability?

It can be, as products-completed operations, or it can be a stand-alone policy. We confirm which one each proposal offers.

### Does product liability pay for a recall?

Not automatically. Recall costs can be excluded, so we ask separately and point out when product recall coverage is the better fit.

### Do I need it if I only resell products?

A defect claim can name several businesses along the supply chain, including the retailer. Describe your role and we check how the quote treats it.

### Will Spot work with the broker who knows my products?

Yes. Spot works alongside brokers and takes no commissions on premiums, and you can switch brokers if you ever want to.

## More

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

## Agent and Developer Resources

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