Home Depot COI Requirements 2026
What Home Depot 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
its parent, affiliates and subsidiaries
c/o Exigis
P.O. Box 947, Murrieta, CA 92564
Minimum Limits
| Coverage Line | Required Minimum |
|---|---|
| Each Occurrence (CGL, occurrence basis) | $1,000,000+ |
| General Aggregate | $2,000,000+ |
| Products / Comp Ops (occurrence) | $1,000,000+ |
| Products / Comp Ops Aggregate | $2,000,000+ |
| Notice of Cancellation | 30 days written |
Required Additional Insured Language
Sample COI for Home Depot
How Much Does Home Depot-Compliant Insurance Cost?
Home Depot supplier insurance varies by category and SBA requirements. Standard tool / hardware suppliers pay $150 to $600 per month. Higher-risk categories (chemicals, lumber, large appliances) can run $1,000 to $5,000+ per month due to product liability scaling.
Why Home Depot Rejects COIs
Home Depot COI FAQ
What are Home Depot's minimum insurance requirements?
Home Depot requires the limits indicated in your SBA, typically $1M per occurrence / $2M aggregate as a baseline, scaling up by category. Higher-risk products and larger purchase volumes require higher limits. Coverage must be on an occurrence basis with 30-day cancellation notice.
Where do I submit my Home Depot COI?
Submit through Exigis (Home Depot's third-party insurance compliance vendor) at: Home Depot Product Authority, LLC., c/o Exigis, P.O. Box 947, Murrieta, CA 92564. Direct submissions to Home Depot are typically rejected.
What is the exact cert holder language Home Depot requires?
Cert holder must read exactly: "Home Depot Product Authority, LLC., its parent, affiliates and subsidiaries." Additional Insured language must read exactly: "Home Depot Product Authority, LLC., its parents, affiliates and subsidiaries." Note the singular "parent" vs plural "parents" between the two.
What if I am an import-only supplier without US insurance?
Home Depot offers an alternative Foreign Vendors Program through Marsh USA Inc. Contact import.vendors@marsh.com or 1-404-995-3174. The program excludes Mexico shipments and only covers products sold in the United States and Canada.
Does my SBA specify the exact limits?
Yes. Your Supplier Buying Agreement is the controlling document for required limits. Higher-risk categories or larger purchase commitments require higher limits than the baseline. Check your SBA before submitting a COI.
Why does Home Depot require A-VII rated carriers?
Home Depot requires US-based carriers rated A-VII or better in A.M. Best's Key Rating Guide because lower-rated carriers may not have the financial strength to pay claims. Coverage must permit US legal service of process and respond to claims in US currency.
How long is COI processing through Exigis?
Exigis typically processes compliant COIs within 5 to 10 business days. Non-compliant submissions are rejected with specific reasons and require resubmission. Plan ahead — orders can be held while COI is in review.
How much does Home Depot-compliant insurance cost?
Standard tool/hardware suppliers pay $150 to $600 per month. Higher-risk categories (chemicals, building materials, large appliances) run $1,000 to $5,000+ per month due to product liability scaling tied to the SBA.
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