Prototypeinsurance.com An independent educational resource
PrototypeInsurance Directory
About

About this directory

What this project is, how it is researched, what it is not, and its relationship with SongSure.

The project

An independent educational resource

The Prototype Insurance Directory is an educational reference for hardware startups, product designers, manufacturers, and inventors on understanding prototype liability: how it is typically addressed, where finished-goods policies can leave a gap, and what demos, pilots, and contract manufacturing change. It publishes no quotes, takes no applications, binds no coverage, and gives no insurance advice.

How it is researched

  • IRMI definitions and commentary, plus the Risklytics guide to product liability for hardware startups. Every factual claim is tied to a citable source, verified in November 2026.
  • Every factual claim is cited. Each page ends with a Sources section naming the materials it relies on. No Wikipedia is used as a source.
  • Unverifiable facts are omitted. If a detail cannot be tied to a citable source, it does not appear. Summaries describe how the standard CGL form and the cited guide describe the coverage; they do not claim to describe every policy.

Relationship with SongSure

This site is connected with SongSure. SongSure is a licensed insurance agency for musicians and creators, live and open for business at songsure.co.

What this site is not

It is not an insurance agency, broker, or carrier. It does not sell insurance, offer quotes, accept applications, bind coverage, or provide insurance or legal advice. For guidance about a specific situation, consult a licensed insurance professional or attorney.

Sources

What this page relies on

  1. [1] Risklytics: product liability for hardware startups: https://www.risklytics.ai/guides/product-liability-for-hardware-startups/
  2. [2] IRMI: commercial general liability policy (CGL): https://www.irmi.com/term/insurance-definitions/commercial-general-liability-policy
Corrections: source pages change. If a cited page has moved or a fact is out of date, the methodology calls for updating or removing the claim.

Informational only. This site is an educational resource. It is not insurance advice and not an offer to sell insurance. Coverage descriptions summarize how prototype liability insurance is generally presented; actual coverage depends on the terms, conditions, limits, retentions, and exclusions of the policy as issued. For guidance about your situation, consult a licensed insurance professional or attorney.