What is Additional Insured?
An additional insured is a person or company added to your policy so they also receive its protection for claims connected to your business. Marketplaces and retailers require it so that if a product you sold leads to a claim, your insurance can respond on their behalf too, not only yours.
Why it matters for sellers
Amazon requires 'Amazon.com Services LLC and its affiliates' as additional insured; Walmart requires 'Walmart Inc., its subsidiaries, and its affiliates'. Wholesale buyers name their own store. Getting the exact wording right is what makes a COI pass review.
Example
A retailer stocking your product asks to be named as additional insured so your policy defends them if a customer is injured by the item.
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Questions
Why does Amazon want to be an additional insured?+
So that if a product sold through the marketplace causes a claim, your policy can defend and cover Amazon as well, reducing Amazon's own exposure.
Definition based on Insurance Information Institute and IRMI Glossary of Insurance & Risk Management Terms. Reviewed 2026-07-01. This is general information, not insurance advice.