How to insure imported products you sell
To insure imported products, get product liability coverage and confirm it does not carry a foreign-manufacturer or vendor exclusion, because as the importer of record you can be treated as the responsible party for a US claim. Keep supplier and testing records, which support both the policy and any claim.
Get a free quoteHow to do it right
01
Check for exclusions
Confirm the policy covers imported goods and has no foreign-manufacturer or vendor exclusion that removes coverage.
02
Match limits to your channels
Meet any marketplace or buyer limit, commonly $1M per occurrence.
03
Keep supplier records
Retain sourcing, testing, and quality documentation; it supports underwriting and any claim.
04
Get your COI
Provide a Certificate of Insurance to any marketplace or buyer that requests it.
Why importers are exposed
Because the overseas manufacturer is usually beyond the reach of a US lawsuit, the importer of record often becomes the party a US claim targets. Confirming your policy covers imported goods is the key step many cheap policies quietly fail.
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Questions
FAQ.
Does product liability cover imported products?+
It can, but confirm the policy has no foreign-manufacturer or vendor exclusion. As importer of record you can be treated as the responsible party for a US claim, so coverage for imported goods is essential.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.