The TikTok Shop Insurance Compliance Checklist 2026

TikTok Shop Insurance Compliance Checklist 2026 COI Requirements Complete 2026 TikTok Shop insurance compliance checklist from a licensed broker Download the free COI sample required limits and exact endorsement language The complete 2026 checklist for TikTok Shop sellers covers everything TikTok Insurance Center requires on your Certificate of Insurance including exact coverage minimums required endorsement language and a free downloadable COI sample formatted to meet platform requirements Written by Ashlin Hadden a licensed insurance broker in all 50 US states who specializes in TikTok Seller Insurance TikTok Shop seller agreements reserve the right to require proof of insurance from merchants Most sellers receive compliance requests after hitting sales thresholds or when selling regulated categories Sellers who cannot produce a valid TikTok compliant COI within the deadline may face listing restrictions or account suspension Generic small business COIs are frequently rejected because they do not include the correct certificate holder wording coverage lines or endorsement references We published a free generic COI sample showing what TikTok Insurance Center typically requires including certificate holder language minimum coverage limits endorsement wording and an annotated ACORD 25 template to use as a reference when requesting a policy or reviewing an existing COI Every item below should appear on your Certificate of Insurance for TikTok Shop review Missing any single item is one of the most common reasons COIs get rejected Certificate Holder should read exactly TikTok Inc and its affiliates and assignees 5800 Bristol Pkwy Ste 100 Culver City CA 90230 Insured name should match your TikTok Shop legal business name and DBA if applicable Policy Number should be clearly printed not redacted or handwritten Policy Effective Date should be current and Expiration Date should be future Commercial General Liability should show minimum limits including Each Occurrence one million General Aggregate two million Products Completed Operations Aggregate two million Personal and Advertising Injury one million Damage to Rented Premises one million Medical Expense ten thousand Carrier should be listed under Insurers Affording Coverage with NAIC number Carrier should have AM Best rating of A minus or better Claims Made or Occurrence box should be checked Description of Operations should contain Additional Insured endorsement language such as Certificate holder is an additional insured per the Business Liability Coverage Form with form number attached to this policy Authorized Representative signature should be present Form should be standard ACORD 25 2016 03 or current revision Coverage Line Minimum Required Each Occurrence one million General Aggregate two million Products Completed Operations Aggregate two million Personal and Advertising Injury one million Damage to Rented Premises one million Medical Expense any one person ten thousand Most TikTok seller insurance policies are written on a claims made basis This differs from many Amazon seller policies which are commonly occurrence based Claims made means the policy often must be active when the incident occurs and when the claim is filed If you cancel switch carriers or let coverage lapse then a claim arrives later it may not be covered unless tail coverage was purchased before the policy ended On the ACORD 25 certificate the Claims Made or Occur box under Commercial General Liability should be checked TikTok Shop may accept either but your broker should explain which you have and what it means Common rejection reasons sellers have experienced include Certificate Holder language abbreviated or missing affiliates and assignees wording Insured name not matching TikTok Shop account Coverage aggregate listed at one million instead of two million Products Completed Operations Aggregate missing Additional Insured wording absent in Description of Operations Policy expired or expiring soon Carrier not A rated or NAIC number missing Handwritten or redacted fields Generic Business Owners Policy with online sales exclusions Certificate issued by an unlicensed producer Working with a broker who specializes in TikTok Shop seller insurance can reduce these risks If you need TikTok Shop compliant insurance Start with a quote request by sending your TikTok Shop handle product categories and annual sales volume Then underwriting review where a broker matches you to an A rated carrier that wants TikTok Shop business Then policy binding where first payment is made and coverage can bind same day Then COI issuance where you receive a TikTok formatted Certificate of Insurance often within twenty four to forty eight hours Then TikTok Shop upload where you submit the COI to TikTok Insurance Center to satisfy compliance Ashlin Hadden Insurance writes TikTok seller policies daily Every COI issued is reviewed against this checklist before delivery This checklist is maintained by Ashlin Hadden licensed insurance broker in all 50 US states and owner of Ashlin Hadden Insurance LLC Updates are made when TikTok Shop revises Insurance Center requirements Questions about any item on this checklist Contact Ashlin directly Last updated April 2026