By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
Whether you manufacture a product or just sell it on Amazon, if that product causes injury or property damage, you are in the chain of liability.
Why Retailers Need It
Most retailers assume the manufacturer is liable. However, if the manufacturer is overseas or out of business, the lawsuit focuses entirely on the seller. Amazon now requires COIs for most Pro Sellers specifically for this reason.
Pricing Drivers
The riskier the product (e.g., supplements, toys, electronics), the higher the premium. Apparel and home decor are generally the cheapest products to insure.
Frequently Asked Questions
Usually yes. Most small retail BOPs include 'Completed Operations' coverage, which is the technical name for product liability.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.