Toy & Juvenile Products Distributor Insurance Coverage Checklist
The coverages a toy & juvenile products distributor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for toy, game, and juvenile product wholesalers. Priorities reflect typical exposure for this class; confirm against your actual products and customers.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products Liability | Covers injury claims from toys and juvenile products you sell — claims involving children are the most severe. | Core | |
| General Liability | Covers injuries at your warehouse and showroom. | Core | |
| Commercial Property | Covers inventory — plastic and foam stock burns fast. | Core | |
| Workers' Compensation | Covers warehouse and shipping staff. | Core | |
| Product Recall Expense | Pays to notify buyers, retrieve, and refund recalled products. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over products liability; mass merchants often require it. | Prevalent | |
| Cargo / Inland Marine | Covers goods shipped from overseas and to customers. | Prevalent | |
| Regulatory Defense (CPSC) | Covers legal costs of CPSC investigations, where available. | Situational | |
| Cyber Liability | Covers online ordering and customer data. | Situational |
The coverage gap most often missed
The gap most often missed by toy and juvenile product distributors is that the law treats you like the maker. CPSC holds distributors responsible for reporting hazards and carrying out recalls, and penalties for late reporting reached $16 million per company in 2024. Most products policies exclude recall costs, and some exclude specific products such as infant sleep items or magnets. Ask about recall coverage, read the product exclusions, and keep a Children's Product Certificate on file for everything you sell.
Send us the checklist and we'll review your toy & juvenile products distributor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Toy & Juvenile Products Distributor & Wholesaler Insurance · Toy & Juvenile Products Distributor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a toy & juvenile products distributor business need?
The core coverages for a toy & juvenile products distributor business are Products Liability, General Liability, Commercial Property, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my toy & juvenile products distributor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.