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Compliance

INSURANCE
BUYERS ASK FOR.

Reference

Most retailers and every institution will ask for a certificate of insurance before your first delivery, at limits they specify, naming them as an additional insured. It is a gate rather than a negotiation, and the policy usually has to be bought before it can be evidenced.

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What to know
The coverages that come up
Different buyers ask for different combinations, but these are the ones that appear in vendor agreements.
  • General liability — the baseline, commonly at $1–2M per occurrence
  • Product liability — for harm caused by the goods themselves
  • Cargo — goods in transit, separate from a carrier's limited liability
  • Warehouse or stock — goods at rest, which cargo does not cover
Additional insured is a specific request
Naming a buyer as an additional insured extends your policy to cover them for claims arising from your product. It is not the same as sending them a copy of your certificate, it usually requires an endorsement, and insurers charge for it.
Carrier liability is not cargo insurance
A carrier's statutory liability is typically capped by weight and can be far below the value of what you shipped. A full-value claim against a limited liability leaves the difference with whoever owned the goods — which, depending on the Incoterm, is you.
Certificates expire on a date nobody watches
Cover renews annually and a buyer's system will flag a lapsed certificate before your calendar does. The lapse itself is rarely the problem; discovering it when a delivery is refused is.
Where to go next
GOODS AT REST.
Cargo insurance covers goods while they move.
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COMMERCE IN TRANSPORTATION.
Freight is a business of authority, insurance and proof.
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THE PAPERWORK THAT UNBLOCKS SALES.
Compliance in wholesale is not a department — it is a set of documents a buyer asks for at the exact moment they are ready to order.
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GRAJ

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