How much insurance do you need for wholesale and retail buyers?
Most retailers and wholesale buyers require at least $1,000,000 per occurrence in general and product liability, with many chains and distributors asking for $2,000,000 aggregate or an umbrella. They also require being named as additional insured. The exact limit is set in the buyer's vendor agreement.
Get a free quoteTypical wholesale limit requirements
Buyer
Typical limit
Independent retailer
$1,000,000 per occurrence
Chain retailer
$1M-$2M, sometimes an umbrella
Distributor
$1M-$2M, often higher for volume
All
Plus additional insured for the buyer
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Questions
FAQ.
How much insurance do wholesale buyers require?+
Commonly $1,000,000 per occurrence, with chains and distributors often asking for $2,000,000 aggregate or an umbrella, plus being named as additional insured. The exact figure is in the buyer's vendor agreement.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.