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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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 it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
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 reasonable price. I definitely would use them in the future,
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, 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 a way to input the information or you can call or email to request it.
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 15 minutes and had the signed contract in my possession 30 minutes later.
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, 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
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 to be desired. 🤷🏻♀️ overall, would recommend! 🙂
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, 2025 -
They 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, 2025 -
Affordable 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, 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 online! Thank you.
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 never had to file a claim yet and hope to keep it that way, so I cannot comment as how well they respond to that.
John Corkins
March 18, 2025 -
I 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 a personalized policy.
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, 2025 -
TLJ'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 am so thankful for Canopy and to not have a shared aggregate limit with thousands of other massage therapists. Individual coverage is EXTREMELY important to Me and this coverage is very affordable!
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
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 the best company was for getting Energy auditing insurance. I went to insurance canopy and literally within five minutes I had a policy sitting in my inbox. Today I’ve scheduled three Energy Audits, which I desperately needed to pay off some bills. I was able to sign up for a program because now I meet the insurance requirements. This company really paid off for me and at $40 a month, I will keep using them as long as I do Energy Audits. I’m a real person my name is Chad Laibly and my company is Home Energy Assessors. You can verify that by googling it.
Chad Laibly
January 6, 2025
-
Thank 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 it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
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 reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
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
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 a way to input the information or you can call or email to request it.
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 15 minutes and had the signed contract in my possession 30 minutes later.
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
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
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.
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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