Certificate of Insurance for wholesale buyers
Retailers and wholesale buyers almost always require a Certificate of Insurance naming their store as additional insured before they will stock your products. They typically want general and product liability of around $1,000,000 per occurrence. The COI is what proves you can cover a product claim tied to goods they sell.
Get a free quoteWhat wholesale buyers usually require
Requirement
Typical ask
Coverage
General and product liability
Limit
Around $1,000,000 per occurrence
Additional insured
The retailer or stockist, by legal name
When
Before or at the time of the first purchase order
Where wholesale COIs come up
- boutiques and retailers stocking your products
- wholesale marketplaces like Faire
- distributors and buying groups
- big-box vendor programs (often higher limits or an umbrella)
Free quote
Get a compliant Certificate of Insurance.
Assureful connects to your store, prices product and general liability on real sales, and issues a marketplace-ready COI with the additional-insured wording buyers ask for, usually the same day.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
FAQ.
Why do wholesale buyers ask for a Certificate of Insurance?+
Stocking your product exposes the retailer to product-liability risk. A COI naming them as additional insured lets your coverage respond on their behalf, which is why they require it before placing orders.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.