Insurance Center & Commercial Liability Insurance

Protect Your Business with TikTok Shop Insurance Center

We’re constantly working to create the most secure and sustainable environment for TikTok shop sellers to grow your business. As your shop scales and your sales grow, it’s vital to protect your hard-earned success from unexpected risks.
We are thrilled to announce the launch of the dedicated Insurance Center in your Seller Center, making it simple and straightforward to protect your business and your customers.

🔑Why is Commercial Liability Insurance Recommended?

As a business owner, especially one selling physical products, you face a certain level of product liability risk. If a product you sell causes injury or damage to a customer or their property, a lawsuit could threaten your business's financial stability.
Commercial General Liability (CGL) Insurance is your shield. It helps cover legal costs, settlements, and damages related to bodily injury or property damage claims arising from the products you sell or your operations (if your business is held responsible for).
Bottom line: Having CGL insurance is an added protection for you to sell on TikTok Shop, and the new Insurance Center makes this easy for you! Currently, CGL insurance is not a mandatory requirement, but may become so in the future. We will notify you in advance, before it becomes mandatory.

📲 Introducing the New Insurance Center in Seller Center

We've centralized the insurance management process on TikTok Shop for you into one easy-to-use hub. Please note that Insurance Center will only be available to select sellers. Here’s what you can do in the new Insurance Center:

Action 1: Upload Your Existing Policy (If You Already Have Coverage)

If you already have Commercial General Liability (CGL) coverage, you need to verify two key things, and then upload the document:

1. "Additional Insured": Please work with your insurance provider to ensure your policy has BD TikTok USA LLC and its affiliates and assignees as additional insured. This protects both you and the platform.
2. Upload the Certificate: Upload a copy of your Certificate of Insurance (COI) directly through the portal for fast verification.

or

Action 2: Purchase New Insurance (Our Trusted Insurance Provider)

Need a new policy or looking for one designed specifically for e-commerce sellers? The Insurance Center connects you directly with our trusted insurance provider. Our trusted insurance provider offers competitive rates and policies specifically structured to meet all of TikTok Shop’s recommended CGL requirements.
Important disclosure: TikTok is not an insurance agent or company and does not solicit, sell, or negotiate insurance. Coverage will be subject to the terms and conditions of the particular policy, if issued. TikTok receives referral fees from insurance provider partners.

✅ How to Access the Insurance Center

Ready to secure your shop and ensure compliance? Follow these steps:

1. Log in to your TikTok Shop Seller Center account.
2. Navigate to the Finances section on the left-hand menu
3. Click on Insurance.
4. Follow the on-screen prompts to either Upload COI or Purchase New Policy.

We encourage you to log in to the Seller Center and visit the new Insurance Center today. Securing your business is the next step in achieving sustainable growth on TikTok Shop.