Insurance requirements for selling to retailers
Retailers almost always require vendors to carry general and product liability insurance and to name the store as additional insured before stocking their products. Limits of around $1,000,000 per occurrence are typical, with larger chains often asking for $2,000,000 aggregate or an umbrella. A Certificate of Insurance is how you prove it.
Get a free quoteWhat retailers typically require
Requirement
Typical ask
Coverage
General and product liability
Per-occurrence limit
$1,000,000 (chains may want more)
Aggregate limit
$1,000,000 to $2,000,000
Additional insured
The retailer, by legal name
Proof
Certificate of Insurance before the first order
Signs you will be asked
- a buyer sends a vendor or supplier agreement
- you pitch a boutique, grocer, or chain
- you move from DTC into wholesale
- a purchase order references insurance terms
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Assureful issues a Certificate of Insurance with the limits and additional-insured wording retailers, markets, and venues ask for, priced on your real sales.
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Questions
FAQ.
What insurance do retailers require from vendors?+
General and product liability, commonly $1,000,000 per occurrence, with the retailer named as additional insured, shown on a Certificate of Insurance. Larger retailers may require higher limits or an umbrella.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.