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.
Get a free quoteHow to add an additional insured
01
Get the exact wording
Marketplaces specify the legal name, for example 'Amazon.com Services LLC and its affiliates and assignees.'
02
Request the endorsement
Ask your insurer to add the party as additional insured on your product and general liability policy.
03
Issue the updated COI
The additional insured is listed on the Certificate of Insurance you then provide.
Additional insured vs named insured
You are always the named insured, the policyholder who owns and controls the policy. An additional insured is added so your coverage can extend to them for covered claims. Adding one does not give them control of your policy or reduce your own protection.
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
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- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
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Questions
FAQ.
What does additional insured mean?+
It means another party is added to your policy so your coverage can respond on their behalf for covered claims connected to your products. Marketplaces and retailers commonly require it before working with you.
Does adding an additional insured cost more?+
Some insurers charge a small fee for additional-insured endorsements; many include reasonable requests. Assureful handles the standard marketplace and buyer wording as part of issuing your certificate.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.