ABC / GMA COI Requirements 2026
What ABC / Good Morning America Requires on Your COI
Three things must be exact: the certificate holder, the limits, and the additional insured language. Miss any one and the COI gets rejected.
Certificate Holder
Simple 2 Partners LLC (S2),
American Broadcasting Companies, Inc.
and their respective affiliates
Minimum Limits
| Coverage Line | Required Minimum |
|---|---|
| CGL — Each Occurrence | $2,000,000 |
| CGL — General Aggregate | $2,000,000 |
| Products / Completed Operations Aggregate | $2,000,000 |
| Cyber Liability — Each Occurrence | $2,000,000 |
| Cyber Liability — Aggregate | $2,000,000 |
| Tail Coverage Required | 3 years post-listing |
Required Additional Insured Language
Sample COI for ABC / Good Morning America
How Much Does ABC / Good Morning America-Compliant Insurance Cost?
ABC / GMA-compliant policies are among the most expensive marketplace policies due to the dual $2M CGL + $2M Cyber requirement plus 3-year tail. Most vendors pay $300 to $1,200 per month for the GL portion (often $1M primary + $1M umbrella), plus $100 to $400 per month for the Cyber Liability policy.
Why ABC / Good Morning America Rejects COIs
ABC / Good Morning America COI FAQ
What are ABC / GMA Deals & Steals insurance requirements?
$2,000,000 per occurrence and $2,000,000 aggregate of CGL on an occurrence basis. Plus $2,000,000 Cyber Liability covering unauthorized access, security failure, breach notification, and regulatory defense. Multiple named additional insureds including 40 Boxes, S2 Partners, and ABC.
Why does ABC / GMA require Cyber Liability?
Vendors on Deals & Steals process customer data through the platform's e-commerce system. Cyber coverage protects ABC, GMA, and the operating partners (40 Boxes, S2) from financial damage if a vendor's data handling causes a breach.
What is the 3-year tail requirement?
Coverage must be maintained for three years following the last listing of Goods under any Product Listing. If you cancel or non-renew within that window, you must purchase an extended reporting period (tail) endorsement to maintain compliance.
What is Insured-vs-Insured / Cross-Liability exclusion?
Standard CGL policies often exclude claims brought by one insured against another (cross-liability exclusion). ABC requires this exclusion to be WAIVED for claims brought by an additional insured against any other insured — so ABC can recover from your policy without conflict.
Can I use Umbrella / Excess to reach the $2M CGL?
Yes. Most vendors carry $1M primary CGL plus $1M Umbrella / Excess Liability following form. The umbrella must extend AI status, primary / non-contributory wording, and products / completed operations to all the named ABC parties.
Does the policy need to be primary?
Yes. Vendor coverage must be primary and non-contributory to any other coverage carried by ABC, GMA, 40 Boxes, S2 Partners, or their affiliates. This means your policy pays first, before any ABC-side coverage applies.
What if my product has been listed on GMA but is no longer active?
You still need coverage for 3 years after the last listing. Even if you stop selling, claims can arise from products purchased during the listing period. Maintain occurrence-basis coverage for the full 3 years (or buy tail if cancelling).
How much does ABC / GMA-compliant insurance cost?
$300 to $1,200 per month for the GL stack (often $1M primary + $1M umbrella). Plus $100 to $400 per month for Cyber Liability. Total annual cost typically $4,800 to $19,200 depending on revenue and risk profile.
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