Nordstrom COI Requirements 2026
What Nordstrom 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
Risk Management Department
Email: riskins@nordstrom.com
Minimum Limits
| Coverage Line | Required Minimum |
|---|---|
| Each Occurrence (CGL incl. Product Liability) | $1,000,000 |
| General Aggregate | $2,000,000 |
| Products / Completed Operations | $2,000,000 |
| Bodily Injury & Property Damage | $1,000,000 |
| Personal & Advertising Injury | $1,000,000 |
Required Additional Insured Language
Sample COI for Nordstrom
How Much Does Nordstrom-Compliant Insurance Cost?
Nordstrom-compliant policies typically run $50 to $250 per month for fashion, accessory, and apparel vendors. Higher-risk categories (cosmetics, fragrance, beauty products with chemical exposures) run $150 to $500+ per month due to product liability complexity.
Why Nordstrom Rejects COIs
Nordstrom COI FAQ
What are Nordstrom's minimum insurance requirements?
$1,000,000 per occurrence of CGL including Product Liability, on an occurrence basis. Nordstrom, Inc., its subsidiaries and affiliates must be named as additional insureds. Nordstrom will accept a blanket Additional Insured endorsement.
Does Nordstrom accept blanket AI endorsements?
Yes. Unlike some retailers requiring entity-specific endorsements, Nordstrom accepts a blanket AI endorsement on the underlying policy. The endorsement should reference "Any person or organization to which the Insured has agreed by written contract to provide additional insured status" or equivalent language.
Where do I submit my Nordstrom COI?
Email original certificates to riskins@nordstrom.com. Direct submissions to other Nordstrom departments are typically not processed. Updated certificates required at every renewal.
Does Nordstrom require waiver of subrogation?
Nordstrom's baseline requirements do not explicitly require waiver of subrogation, but specific Vendor Agreements may add it. Confirm with your Nordstrom rep before binding coverage.
What products are highest-risk for Nordstrom vendors?
Cosmetics, fragrance, and beauty products with chemical exposures. Lithium batteries (in electronics, accessories). Children's products with small parts. Items with assembly requirements. Higher-risk categories may require limits above the $1M baseline.
Does Nordstrom verify carrier ratings?
Yes. Nordstrom expects A.M. Best A- or better. Carriers below this rating are typically rejected. Most ecommerce carriers easily meet this requirement.
Does Nordstrom require coverage for handmade goods?
Yes — handmade vendors selling on Nordstrom (apparel, accessories, jewelry, beauty) must carry the same $1M baseline. Generic homeowners or hobbyist policies will not satisfy Nordstrom's requirements.
How much does Nordstrom-compliant insurance cost?
Fashion, accessory, and apparel vendors: $50-$250/month. Cosmetics, fragrance, beauty products: $150-$500+/month due to product liability complexity. Worth shopping multiple carriers — premiums vary significantly by category.
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