How much coverage
How much product liability insurance do you need?
$1,000,000 per occurrence is the baseline that meets most marketplaces and buyers. Here is what each situation requires, and when to carry more.
How much product liability insurance do Amazon sellers need?
Amazon requires at least $1,000,000 per occurrence and $1,000,000 in aggregate, including product liability, on an occurrence-based form, once you exceed $10,000 in monthly sales. Higher-risk categories or wholesale expansion can justify more, but $1M/$1M is the Amazon baseline.
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How much insurance do Walmart Marketplace sellers need?
Walmart requires at least $1,000,000 per occurrence and $2,000,000 in aggregate, covering general and product liability worldwide, once your GMV exceeds $100,000 over 12 months or when Walmart requests it. Walmart Inc., its subsidiaries, and affiliates must be named as additional insured.
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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.
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How much product liability insurance does a small business need?
For most small eCommerce businesses, $1,000,000 per occurrence and $1,000,000 to $2,000,000 aggregate is the standard baseline, and it satisfies the majority of marketplaces and buyers. Higher-risk products, large retail contracts, or big-ticket exposure are the main reasons to carry more.
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How much insurance do higher-risk products need?
Higher-risk products, supplements, cosmetics, electronics, children's items, and anything ingestible or powered, still start at the $1,000,000 per-occurrence baseline marketplaces require, but the greater injury potential often justifies higher limits or a commercial umbrella, especially once you sell wholesale or at volume.
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Questions
FAQ.
How much product liability insurance do I need?+
For most eCommerce sellers, $1,000,000 per occurrence with $1M-$2M aggregate is the baseline and satisfies most marketplaces and buyers. Amazon requires $1M/$1M; Walmart requires $1M/$2M. Higher-risk products or large contracts justify more.
Get the right limits, set up correctly.
Product and general liability at the limits your marketplaces and buyers require, priced on real sales. From $26/mo.
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