Importer Insurance
Whether you ship it, store it, or source it, we protect your business and the products you move.
- Quickly comply with U.S. product liability laws and regulations
- Protect against product lawsuits for injuries, damages, or defects
- Build trust with buyers by meeting product insurance requirements
What Is Importer Insurance?
Importer insurance is a type of product liability insurance designed to protect you from claims of injury or damage related to the products you bring in.
This type of insurance is intended to:
- Cover legal fees and settlements
- Pay for medical bills or repairs
- Reduce or eliminate the cost of a product claim
- Meet manufacturer and seller requirements
Don’t put your business at risk! Ship and sell with confidence, and let importer insurance handle the rest.
Who Needs Importer Liability Insurance?
If you import products, parts, or ingredients for retail, wholesale, or manufacturing, this coverage is crucial for protecting your company. The top importing industries we cover include:
Why Do Importers Need Product Liability Insurance?
Being part of the supply chain comes with risks. Even if you didn’t manufacture an item, U.S. law treats you as the manufacturer, which means you can be legally responsible if a product leads to accidents or recalls.
If something ever goes wrong, the right coverage can be the difference between a small hiccup and a full-blown business meltdown.
Importer compliance
Easily partner with manufacturers, retailers, and online sellers by meeting their insurance requirements with a Certificate of Liability (COI)
Injury claims
A product you import may lead to customer injuries, but your policy is made to cover medical bills, legal fees, and potential settlements
Defective goods
If a manufacturing flaw leads to damages, importer insurance can shield your business from the financial fallout
Labeling errors
If a product you import comes with incorrect or missing safety warnings, your policy helps cover the claim while protecting your brand’s reputation
How Much Does Product Liability Insurance for Importers Cost?
Product liability insurance for importers costs an average of $700 to $3,000 a year for coverage with Insurance Canopy.
Your premium depends on factors such as the type of goods, the quantity sold, and where it ultimately ends up. We’ll calculate your final costs based on:
- Annual revenue
- Type of imports
- Location
- Claims history
- Coverage limits
No two businesses are exactly the same, which is why our team of licensed agents will tailor a policy that fits your unique business needs!
What Importer Insurance Covers
Insurance Canopy’s importer insurance includes up to $1 million per claim and $2 million per year in general and product liability coverage. It can cover you for business or product-related lawsuits, injuries, and damages.
Need extra coverage? Our team is here to help you add what you need and skip what you don’t. Whether you’re selling directly to consumers, shipping to sellers, or working with manufacturers, we’ll help you build a plan that checks every box.
Included
General Liability Insurance
General Liability Insurance covers legal defense, medical expenses, and property repair costs for other people harmed by your business operations. For importers, this could mean a vendor slipping during a warehouse visit or accidentally damaging a client’s property while dropping off an order.
Products & Completed Operations Insurance
Product Liability Insurance covers claims related to injuries or property damage caused by imported goods, like defective parts, improper labeling, or safety failures. Courts and clients often hold importers accountable, especially if you’re listed on the shipping documents or product packaging.
Recommended Add-ons
Product Recall Insurance
Product Recall Insurance covers the costs if you need to pull a product off the shelves. Whether it’s a safety issue, contamination, or a mislabeling mistake, this coverage can pay for customer alerts, return shipping, disposal, and even crisis management.
Inland Marine Insurance
Inland Marine Insurance covers inventory, tools, and equipment while they’re in transit or stored at off-site locations. If insured items are damaged in a truck accident or stolen from a warehouse, this coverage can pay for repairs or replacements.
Note: Inland marine policies typically do not refund the retail sales value, especially for items priced to sell, since retail pricing varies widely. Instead, they usually cover the cost to remake or replace the damaged or stolen goods.
Cyber Liability Coverage
Importers rely heavily on digital systems to manage orders, communicate with suppliers, and track shipments. Cyber Liability Insurance helps your business, clients, and partners recover if your systems are hacked or private data is exposed. It can cover legal costs, data recovery, crisis management, and credit monitoring efforts.
Commercial Auto Insurance
Commercial Auto Insurance covers company-owned vehicles used for business, like delivery vans or cargo trucks. In the event of an accident, it can help cover the costs of repairs, medical expenses, and legal fees. It also helps if your vehicle is stolen or vandalized.
Workers Compensation
Workers Compensation helps protect your employees if they’re handling freight, inspecting shipments, or managing inventory. It covers medical bills, lost wages, and recovery costs for work-related injuries. Most states legally require it if you have employees.
Worldwide Coverage Endorsement
A Worldwide Coverage Endorsement extends your protection to claims that happen abroad. Importers often deal with global supply chains, which means your risk doesn’t stop at the U.S. border. This could cover claims or lawsuits filed overseas.
Primary & Non-Contributory Endorsement
A Primary & Non-Contributory Endorsement ensures your policy responds first in a claim, before another party’s insurance kicks in. It’s often required in contracts with big retailers or shipping partners.
Waiver of Subrogation Endorsement
A Waiver of Subrogation stops your insurance from trying to recover costs from a partner after paying a claim. It’s a common contract requirement that helps keep things friendly amongst other companies you do business with, even if someone else was partly at fault.
30-Day Cancellation Notice Endorsement
A 30-Day Cancellation Notice ensures your partners are notified if your insurance is about to be canceled, usually 30 days in advance. It’s a small detail that can keep big relationships running smoothly.
135,000+ Businesses Trust Insurance Canopy
Keep your business sailing forward stress-free with custom product liability insurance for importers.
- Apply online: Tell us about your business and the products you import
- Get a custom quote: An agent will tailor a policy for you in as little as 24 hours
- Access Your COI: Securely pay online and receive a copy of your COI from your agent straight to your inbox
Thank you so much
Steve Monreal
July 11, 2025I 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, 2025Very 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, 2025Very 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, 2025great 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, 2025everything 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, 2025Affordable. Thank you.
Ana Young
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services.Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025
Thank you so much
Steve Monreal
July 11, 2025I 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, 2025Very 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, 2025Very 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
Questions About Importer Insurance
Do Importers Need Product Liability Insurance?
Yes, importers do need product liability insurance. Even if you didn’t make the product, U.S. law treats you like you did. If something goes wrong, the blame (and the bills) land on your desk. Product liability insurance helps cover those risks so one faulty shipment doesn’t become a business-ending lawsuit.
Have more questions? Our product liability FAQs cover the essentials to help you protect your business.
Why Are Importers Considered Liable for Product Defects?
Importers are considered liable for product defects because U.S. law requires someone to be responsible for product safety.
If there’s no domestic manufacturer, the importer is held accountable. That means you’re expected to ensure the products you bring in are safe, properly labeled, and compliant, even if the issue started overseas.
Is Importers Insurance Required by Law?
Product liability insurance is not required by law, but platforms often require it.
Marketplaces like Amazon and Walmart typically demand proof of coverage before you can sell. Without it, you may lose access to those platforms or face delays in getting products to retail partners.
Can I Be Sued Even if I Didn’t Make the Product?
Yes, you can be sued even if you didn’t make the product. If your name is on the label, if you’re listed as the importer, or if your product causes harm, you can be sued.
Courts, customers, and companies will come to you first, not your overseas supplier. Product insurance is designed to cover the costs of lawsuits, medical bills, or settlements.
What Happens if I Import Goods Without Having Product Liability Insurance?
If you import goods without having product liability insurance, you take on major financial risk. One injury, recall, or platform dispute could wipe out your business.
Without coverage, you’re stuck paying legal and medical costs out of pocket, and you could lose access to key marketplaces like Amazon. With insurance, you stay protected, compliant, and ready for anything!
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