Wayfair COI Requirements 2026
What Wayfair 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
4 Copley Place
Boston, MA 02116
Minimum Limits
| Coverage Line | Required Minimum |
|---|---|
| Each Occurrence (CGL) | $1,000,000 |
| General Aggregate | $2,000,000 |
| Products / Completed Operations | $2,000,000 |
| Personal & Advertising Injury | $1,000,000 |
| Damage to Rented Premises | $300,000 |
| Medical Expense (Any one person) | $5,000 |
Required Additional Insured Language
Sample COI for Wayfair
How Much Does Wayfair-Compliant Insurance Cost?
Wayfair-compliant policies for furniture, decor, and home goods sellers typically run $75 to $300 per month. Higher-risk categories (children's products, large appliances, mechanical items, items requiring assembly) cost more due to product liability exposure.
Why Wayfair Rejects COIs
Wayfair COI FAQ
What are Wayfair's minimum insurance requirements?
$1,000,000 per occurrence and $2,000,000 general aggregate of CGL. Wayfair Inc. (4 Copley Place, Boston, MA 02116) must be named as an additional insured / indemnified party. Coverage must specifically include products / completed operations.
Does Wayfair require coverage for specific product categories?
Yes. Higher-risk categories (children's products, ride-on toys, mechanical items, lithium battery items, large appliances) may require higher limits. Generic ecommerce GL policies that exclude these categories will be rejected.
Does my Wayfair COI cover AllModern, Birch Lane, Joss & Main, and Perigold?
Yes. Naming Wayfair Inc. as additional insured covers all of Wayfair's North American brands. The platforms operate under the same parent insurance structure.
Where do I submit my Wayfair COI?
Submit through Wayfair's supplier portal during onboarding. Wayfair will request updated certificates at every renewal and may also request additional Liability Insurance Endorsements demonstrating policy-level AI documentation.
What endorsement form does Wayfair require?
Wayfair typically accepts CG 20 15 (Additional Insured — Vendors) or CG 20 26 (Additional Insured — Designated Person or Organization). High-volume suppliers may be required to demonstrate AI is documented at the policy level.
Does Wayfair accept claims-made or only occurrence?
Wayfair prefers occurrence-basis policies. Claims-made policies are accepted with documentation of retroactive date and tail coverage provisions. Confirm with your Wayfair supplier rep before binding claims-made coverage.
What are Wayfair's most common COI rejection reasons?
Cert holder address wrong, products / completed operations excluded from the CGL, aggregate below $2M, AI endorsement missing or generic, and carrier rating below A-. Most COIs can be re-issued correctly the same business day.
How much does Wayfair-compliant insurance cost?
$75 to $300 per month for $1M / $2M CGL with proper AI endorsements. Children's products, motorized items, and large appliances run higher due to product liability exposure.
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