Product Liability Insurance for Ecommerce: What Should You Check?

An online storefront may sell products the business designs, imports, private-labels, distributes, or resells, and the seller’s role can change by product. The Insurance Information Institute explains that distributors and sellers can face claims even when another company manufactured the item. A general liability quote should therefore be checked against the actual catalogue and fulfillment model.

Give the broker a product list, supplier and importer details, sales territories, and marketplace names. Check products-completed operations limits, exclusions, additional-insured requests, and whether the policy’s product schedule needs updates as your catalogue grows. Keep recall expense protection as a separate question. Marketplace certificates do not amend the policy. Confirm that any requested additional-insured status is granted by an endorsement and that your product catalogue remains within the insured description.