I think contracts usually say something about you indemnifying the middle-man against claims, sometimes stating a limit to the indemnity, sometimes specifying it as unlimited. (Rather than tell you what insurance you must have). Does Apples' contract say that?

Which would put the insurance issue in your own hands. You might still require it, by law for public liability (I'm not sure), and your own problem regarding claims for copyright liability (which seems to be what the Ovi Store text is about), but it would not be the middle-man's problem to tell you what arrangements to make.