Certificate of Insurance
Certificates of Insurance for online sellers
A Certificate of Insurance (COI) proves your coverage to a marketplace or buyer. Here is how to get one, how additional insured works, and what each platform requires.
How to get a Certificate of Insurance
A Certificate of Insurance (COI) is a one-page proof of your active policy. To get one, you bind a product and general liability policy, request the certificate with the required limits and any additional insured, and provide it to the marketplace or buyer that asked. With Assureful this is usually same-day.
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Adding an additional insured to your policy
An additional insured is a third party, like Amazon, Walmart, or a wholesale buyer, added to your policy so it can respond on their behalf for covered claims tied to your products. You add them by requesting an additional-insured endorsement, which then appears on your Certificate of Insurance.
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What a Certificate of Insurance shows
A Certificate of Insurance summarizes your policy on one page: the named insured, the insurer and its rating, the coverage types and limits (per occurrence and aggregate), the policy dates, and any additional insured. A marketplace or buyer reads it to confirm your coverage meets their requirement before working with you.
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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.
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Certificate of Insurance for Walmart Marketplace
Walmart Marketplace requires a Certificate of Insurance with general and product liability once your sales exceed $100,000 in GMV over 12 months, or when Walmart requests it. The COI must show at least $1,000,000 per occurrence and $2,000,000 aggregate and name Walmart Inc., its subsidiaries, and affiliates as additional insured.
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Questions
FAQ.
What is a Certificate of Insurance?+
A one-page document that proves you carry an active insurance policy, showing the named insured, coverage types and limits, policy dates, and any additional insured. Marketplaces and wholesale buyers require it before working with you.
How do I get a Certificate of Insurance for Amazon or Walmart?+
Bind a compliant product and general liability policy, request the certificate with the required limits and additional insured, and provide it. Assureful issues marketplace-ready COIs, usually the same day.
Get a marketplace-ready COI.
Product and general liability for eCommerce sellers, with the certificate and additional-insured wording buyers ask for. Starts at $26/mo.
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