Wholesaler Insurance
Whether you bulk it, resell it, or white-label it, we protect your wholesale business from product-related risks.
- Meet retailer and ecommerce insurance requirements
- Coverage for product-related lawsuits, injuries, and defects
- Unlock more opportunities with fast, affordable product insurance
What Is Wholesale Product Liability Insurance?
Wholesale product liability is designed to cover legal costs, medical bills, and claims tied to the items you sell. It’s a type of small business insurance made to keep you compliant with retailers and marketplaces, so you can focus on filling orders, not fighting lawsuits!
Who Needs Wholesaler Insurance?
If you sell products at scale in the U.S., you likely need wholesale product liability insurance. That includes:
Did You Know? Even if you don’t manufacture products, your name can still be tied to a claim just for selling a faulty or defective product.
Why Do I Need Wholesaler Product Liability?
Retailers, marketplaces, and vendors expect proof of coverage. Without it, you risk losing contracts or being pulled from platforms. With it, you gain:
✔️ Retail compliance
Meet coverage requirements quickly and access proof of insurance instantly
✔️ Marketplace trust
Give partners confidence that your business is built to last
✔️ Defective product coverage
Cover claims caused by missing warnings, unsafe materials, or faulty designs
✔️ Protection for imports
Coverage applies to products you bring in from overseas
You can be sued, held liable, and removed from platforms if you don’t have the proper protection. Product liability insurance takes care of those costs and gives partners confidence that your business is built to last.
How Much Does Wholesaler Product Liability Cost?
Most wholesalers pay $700 to $3,000 a year for product liability insurance with Insurance Canopy. Costs vary based on:
- Products sold (higher risk = higher cost)
- Annual revenue
- Sales channels (nationwide retail vs local)
- Coverage limits chosen
- Past claims history
Get a free custom quote in 24–48 hours from a licensed, U.S.-based agent!
What Kind of Wholesaler Insurance Do I Need?
You need wholesaler insurance that includes general and product liability coverage. Insurance Canopy’s base coverage includes both up to $1 million per claim (occurrence) and $2 million per year (aggregate)!.
Need to customize your coverage? Our licensed agents can help you build a policy that fits when and where you sell!
Included
General Liability Insurance
General Liability Insurance covers accidents like third-party injuries or property damage tied to your wholesale business. From slips and falls in your warehouse to dents caused by equipment, this policy can pay for medical bills, legal fees, and settlements.
Products & Completed Operations Insurance
Product Liability Insurance protects you if a product you sell causes injury, damage, or legal claims (even if you didn’t manufacture it). This coverage applies to defects, missing labels, poor packaging, or unsafe designs.
Recommended Add-ons
Product Recall Insurance
Product Recall Insurance covers the cost of pulling unsafe or mislabeled products off shelves, including customer notifications, return shipping, disposal, and PR support.
Inland Marine Insurance
Inland Marine Insurance protects your goods while in transit or stored off-site. If items are stolen or damaged, this coverage can pay for repairs or replacements.
Workers Compensation Coverage
Workers Compensation pays for employee medical treatment, lost wages, or funeral expenses if they’re injured on the job. Required in most states once you have employees.
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Worldwide Coverage Endorsement extends protection if claims arise outside the U.S. This is a smart option if you sell in international markets or your products end up overseas.
135,000+ Businesses Trust Insurance Canopy
More than 135,000 businesses already trust us for product liability insurance. With A-rated carriers, fast COIs, and wholesale-specific expertise, we make getting coverage simple.
- Fast online application with no payment due upfront
- Coverage tailored to fit your business needs
- Free, personalized quotes within 24–48 hours
- Support when you need it from licensed agents
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Questions About Wholesaler Product Liability Insurance
Do Wholesalers Need Product Liability if They Don’t Manufacture?
Yes, wholesalers still need product liability insurance even if they don’t manufacture products. If you sell it, you can be named in a lawsuit if something goes wrong.
What Limits Do Retailers Usually Require?
Most retailers and marketplaces usually require $1 million per claim and $2 million per year in liability coverage. Some may ask for higher limits depending on the products sold.
Will This Cover Imported or Private Label Goods?
Yes, wholesaler insurance covers imported and private label goods. Even if products come from overseas or carry your brand name, you can still be protected.
Can I Add Retailers as Additional Insureds and Issue COIs Quickly?
Yes, you can add retailers as additional insureds and issue COIs quickly. In most cases, you can get a certificate within 24 hours to keep contracts moving.
What’s the Difference Between Product Liability and General Liability?
The difference between product liability and general liability is what they cover.
- General liability covers accidents at your business location
- Product liability covers harm caused by the products you sell
Occurrence vs Claims-Made — What’s Better for Wholesalers?
Occurrence policies are usually better for wholesalers. They cover incidents that happen during the policy period, even if the claim is filed later.
What Documents Do I Need to Get Coverage Today?
To get coverage today, you usually just need:
- Your business information
- List of products you sell
- Ingredient lists and/or product labels
- Annual revenue
Our team is here to help with the rest!
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