Wholesaler Insurance

Whether you bulk it, resell it, or white-label it, we protect your wholesale business from product-related risks.

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 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.

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 covers the cost of pulling unsafe or mislabeled products off shelves, including customer notifications, return shipping, disposal, and PR support.

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 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.

  • Thank you so much

    Steve Monreal Avatar 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 Avatar Jamie Calaway
    July 4, 2025

    Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar Robert Earnest
    July 4, 2025
  • I 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 Avatar Deloris Pacheco
    June 27, 2025

    Very easy to renew policy

    Elyce Nissinoff Avatar Elyce Nissinoff
    June 18, 2025

    Representative 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 Avatar queenkiam
    June 18, 2025
  • Would 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 Avatar 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

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    June 18, 2025

    Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

    Jay Solis Avatar Jay Solis
    June 18, 2025
  • What 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 Avatar 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

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    June 18, 2025

    Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.

    David Fox Avatar David Fox
    May 18, 2025
  • They can help.you with the right Insurance you need, and the lowest price

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    May 18, 2025

    everything is excellent

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    May 18, 2025

    Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!

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    May 18, 2025
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    May 18, 2025

    Affordable. Thank you.

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    April 18, 2025

    For me, this application process was super efficient and easy to navigate on line. That goes a long way!

    Holly Mulder Avatar Holly Mulder
    April 18, 2025
  • I'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

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    April 18, 2025

    Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧

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    March 18, 2025

    I 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

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    March 18, 2025
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    ESPIE QUINTERO Avatar ESPIE QUINTERO
    February 18, 2025

    Great for Event Insurance - most affordable

    Gaby Nobrega Avatar Gaby Nobrega
    February 18, 2025

    I 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 Avatar Denice Lapointe
    February 18, 2025
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    February 4, 2025

    Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.

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    February 3, 2025

    As 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 Avatar Kristie Williams
    January 30, 2025
  • This 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 Avatar Tony Felix
    January 23, 2025

    Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.

    John B Avatar John B
    January 16, 2025

    Was 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 Avatar Chad Laibly
    January 6, 2025
  • Thank you so much

    Steve Monreal Avatar 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 Avatar Jamie Calaway
    July 4, 2025
  • Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar Robert Earnest
    July 4, 2025
  • I 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 Avatar Deloris Pacheco
    June 27, 2025
  • Very easy to renew policy

    Elyce Nissinoff Avatar Elyce Nissinoff
    June 18, 2025
  • Representative 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 Avatar queenkiam
    June 18, 2025
  • Would 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 Avatar 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 Avatar Michael Riley
    June 18, 2025
  • Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

    Jay Solis Avatar Jay Solis
    June 18, 2025
  • What 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 Avatar Masha Rusanov
    June 18, 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.

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.

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.

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.

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 policies are usually better for wholesalers. They cover incidents that happen during the policy period, even if the claim is filed later.

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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