Shopify COI Requirements 2026
What Shopify 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
[ADDRESS PROVIDED IN VENDOR AGREEMENT]
Minimum Limits
| Coverage Line | Required Minimum |
|---|---|
| CGL — Each Occurrence (typical baseline) | $1,000,000 |
| CGL — General Aggregate | $2,000,000 |
| Products / Completed Operations | $2,000,000 |
| Personal & Advertising Injury | $1,000,000 |
| Damage to Rented Premises | $300,000 |
| Cyber Liability (storing customer data) | $1,000,000+ |
Required Additional Insured Language
Sample COI for Shopify
How Much Does Shopify-Compliant Insurance Cost?
Shopify seller insurance for direct-to-consumer stores typically runs $50 to $300 per month for $1M / $2M CGL with product liability. Multi-channel sellers (Shopify + Amazon + TikTok Shop + others) typically pay $100 to $500 per month for one policy with multiple AI endorsements. Higher-risk categories run more.
Why Shopify Rejects COIs
Shopify COI FAQ
Does Shopify require sellers to carry insurance?
No. Shopify itself does not mandate insurance for sellers operating direct-to-consumer stores. However, you will be required to provide a COI when entering wholesale agreements, adding 3PL or fulfillment services, selling on integrated marketplaces, or participating in retail buybacks or pop-up programs.
When does insurance become required for Shopify sellers?
When you sign with wholesale partners (any major retailer). When you add 3PL or fulfillment services. When you integrate with marketplaces (Amazon at $10K monthly, TikTok Shop, Walmart, Wayfair, Etsy wholesale). When you participate in retail buybacks or pop-up programs.
Can one policy cover Shopify plus all my other channels?
Yes. Most multi-channel sellers benefit from a single multi-channel CGL policy with a portfolio of additional insured endorsements ready on demand. This avoids the cost and friction of separate policies per platform. Your broker should issue platform-specific certificates from one underlying policy as needed.
What is the typical Shopify seller insurance cost?
$50 to $300 per month for direct-to-consumer Shopify-only stores with $1M / $2M CGL. Multi-channel sellers (Shopify + Amazon + TikTok Shop + others): $100 to $500 per month for one policy with multiple AI endorsements.
Should I add Cyber Liability for my Shopify storefront?
Yes if you store customer data on your own Shopify systems, mailing list, custom checkout, or third-party apps that handle PII. Shopify itself handles platform-level data security, but customizations and your storefront expose you to data breach liability.
Do my Shopify Apps affect my insurance requirements?
Some Shopify Apps require COI from the merchant. Apps that integrate with payment systems, fulfillment, or third-party data may require liability coverage. Read the App's Terms of Service before installing.
What if I sell on Shopify Plus (enterprise)?
Shopify Plus merchants typically have higher revenue and more complex operations, often requiring higher insurance limits. $2M / $4M CGL is more common at the Plus tier. Cyber Liability is essentially required at the enterprise level.
How does Shopify compare to Amazon for insurance requirements?
Amazon mandates insurance at $10K monthly revenue. Shopify mandates nothing. But the moment you add wholesale partners, fulfillment services, or marketplace integrations to your Shopify store, you face the same insurance requirements as if you were on those marketplaces directly.
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