What happens if I sell without insurance?
Selling without product liability means any injury or damage claim from your products is yours to defend and pay, and defense alone can exceed tens of thousands of dollars. You may also fail marketplace requirements: Amazon and Walmart can restrict selling or withhold payments if you cannot provide a Certificate of Insurance.
Get a free quoteThe exposure without cover
- you personally fund legal defense for any product claim
- settlements and judgments come out of the business
- Amazon and Walmart can restrict you above their thresholds
- wholesale buyers and markets will not work with you without a COI
The math
Product liability commonly starts around $26/month priced on real sales. A single general liability claim averages more than $75,000 to defend and settle. For most sellers, the premium is a small fraction of a single uncovered claim.
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Close the gap for the price of lunch.
Product and general liability from $26/mo, priced on real sales, with a marketplace-ready Certificate of Insurance.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
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Questions
FAQ.
Do I really need insurance to sell products online?+
If you sell physical products, the exposure is real: you are in the chain of distribution, and marketplaces require coverage above a threshold. The typical premium is a small fraction of the cost of a single uncovered claim.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.