If you're an e-commerce store who is drop shipping or reselling products from a wholesaler, ask them for a certificate of insurance listing your company
as an additional insured before you begin selling their products.
The insurer shall pay up to $ 100 per week for reasonable and necessary
additional expenses incurred by or on behalf of an
insured person
as a result of an accident for housekeeping and home maintenance services if,
as a result of the accident, the
insured person sustains a catastrophic impairment that results in a substantial inability to perform the housekeeping and home maintenance services that he or she normally performed
before the accident.