Chewy COI Requirements 2026
What Chewy 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
1855 Griffin Road, Suite A-100
Dania Beach, FL 33004
Minimum Limits
| Coverage Line | Required Minimum |
|---|---|
| Each Occurrence | $2,000,000 |
| General Aggregate | $2,000,000 |
| Products / Completed Operations | $2,000,000 |
| Personal & Advertising Injury | $1,000,000 |
| Damage to Rented Premises | $1,000,000 |
| Medical Expense (Any one person) | $5,000 |
| Maximum Deductible | $25,000 |
Required Additional Insured Language
Sample COI for Chewy
How Much Does Chewy-Compliant Insurance Cost?
Chewy-compliant policies typically run $150 to $600 per month for pet product / non-ingestible sellers. Pet food, supplements, and ingestible product vendors often pay $300 to $1,500+ per month due to product liability exposure on ingestibles. Toys with small parts or chewing exposure also command premium loads.
Why Chewy Rejects COIs
Chewy COI FAQ
What are Chewy's minimum insurance requirements?
$2,000,000 per occurrence and $2,000,000 general aggregate of CGL. Chewy and its parent companies, subsidiaries, affiliates, directors, officers, employees, etc. must be named as additional insureds. Coverage must be primary and non-contributory with a waiver of subrogation in favor of Chewy.
Why does Chewy require higher limits than Amazon?
Chewy specializes in pet products including pet food, supplements, treats, and ingestibles — categories with higher product liability exposure than typical merchandise. The $2M each occurrence requirement reflects that elevated risk profile.
What is the maximum deductible Chewy allows?
$25,000. Higher deductibles or self-insured retentions require Chewy approval. Standard policies for ecommerce sellers typically run $1,000 to $5,000 deductibles, well within Chewy's threshold.
Does my Chewy policy cover ingestible pet products?
It must. Standard ecom GL policies often exclude ingestibles, food, and pet foods. You need a policy form that specifically extends products / completed operations to pet food, supplements, treats, and other ingestible items. Verify your form before binding.
Does Chewy require Workers Comp or Auto?
If your employees will be on Chewy's premises (rare for online-only vendors), Workers Compensation is required at statutory limits. If your employees drive on Chewy premises or make deliveries, Auto Liability is required.
Does Chewy accept claims-made or occurrence?
Chewy prefers occurrence-basis policies. Claims-made is accepted with proper retroactive date and tail coverage. Confirm with Chewy before binding claims-made.
What is the most common reason Chewy rejects COIs?
Inadequate AI language. Chewy requires AI status to extend to parent companies, ultimate parent, subsidiaries, affiliates, directors, officers, shareholders, employees, agents, and other representatives — broader than typical AI endorsements. Generic blanket AI endorsements may not satisfy this language.
How much does Chewy-compliant insurance cost?
Pet product / non-ingestible sellers: $150-$600/month. Pet food, supplements, ingestibles: $300-$1,500+/month due to product liability exposure. Toys with small parts or chewing exposure command premium loads.
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