Marketplaces put the coverage requirement in the contract and the claim on your business. Marketplace Insurances places a program that satisfies the platform and still answers a real product claim.
Each marketplace sets its own limit and additional-insured wording in the seller agreement. The certificate has to match what the platform is asking for, so we start from the current agreement.
Private-label and imported goods put your policy in the primary position, because there is no upstream manufacturer for a claimant to reach first. That changes the limit conversation.
Platform compliance and wholesale buyers both ask for proof of coverage. Standard certificates issue in minutes through the portal, with no per-certificate fee.
Amazon requires qualifying sellers to carry commercial general liability, typically at $1,000,000 per occurrence, naming Amazon as an additional insured, once sales cross the threshold in its seller agreement. Walmart and other marketplaces impose comparable requirements. The exact limit and wording come from the current agreement, so the certificate has to match what the platform is asking for.
No. The platform is protecting itself, which is why it requires your coverage and asks to be named as an additional insured. If a customer is injured by something you sold, the claim lands on your business regardless of where the sale happened.
Usually yes. When goods are sold under your own brand, your policy is effectively primary: there is no upstream manufacturer for a claimant to reach first, and vendor endorsements from a supplier only help if that supplier carries adequate limits and the wording reaches you. Imported goods sharpen the same problem.
Standard certificates issue in minutes through the portal, including additional-insured wording once a licensed broker confirms it matches the platform agreement. There is no per-certificate fee.
This site is an outreach desk of Delegance Brokerage LLC, a licensed commercial insurance brokerage (NPN 21282686).
Marketplace Insurances is an outreach desk of Delegance Brokerage LLC, a licensed commercial insurance brokerage. We write to marketplace sellers whose public storefront information suggests they may be selling without the coverage their platform agreements require.
Every email we send includes a working unsubscribe link, and we honor every request immediately. If you would rather talk to a person, reply to the email or write to Alex directly.
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