Seller insurance requirements
Do you need insurance to sell on Amazon?
Yes. Amazon requires sellers to carry commercial liability insurance within 30 days of exceeding $10,000 in gross proceeds in any single month. The policy must provide at least $1,000,000 per occurrence, include product liability, and name Amazon.com Services LLC and its affiliates as additional insured. From November 2, 2026, products in Amazon.com categories with enhanced safety listing requirements need $1M per occurrence and $1M in aggregate regardless of sales, including sales below $10,000 a month.
42%
average savings
$26
starting monthly
Same day
marketplace-ready COI
The requirement
Amazon (Seller Central) at a glance.
What Amazon does and does not require, and what your buyers may ask for even when the platform is silent. Confirm against the current seller agreement before you rely on it.
Insurance required?
Insurance required
When it applies
Within 30 days of exceeding $10,000 in gross proceeds in any month; from November 2, 2026, enhanced-safety categories require coverage regardless of sales.
Minimum limits
$1,000,000 per occurrence and in aggregate, including product liability and bodily injury.
Additional insured
Amazon.com Services LLC and its affiliates and assignees.
Carrier rating
Insurer rated A- or better by AM Best or Standard & Poor's.
Deductible cap
No greater than $10,000.
COI deadline
Coverage within 30 days of exceeding the sales threshold; affected categories must have coverage from November 2, 2026 regardless of sales. Follow Seller Central submission instructions.
Named insured
Must match your legal entity name (or registered DBA) in Seller Central.
When you actually need it
What triggers a coverage request.
The policy pieces that matter for Amazon sellers are commercial general liability, product liability, bodily injury & property damage. These are the moments that create the need in practice.
01
Your products fall within enhanced-safety categories from November 2, 2026, or you exceed $10,000 in gross proceeds in any month
02
Seller Central reclassifies your account and requests a Certificate of Insurance
03
You launch a private-label or higher-risk product (supplements, skincare, electronics)
04
A wholesale buyer or retail partner asks to be named as Additional Insured
The exposure
What happens if you skip it.
Amazon can request your Certificate of Insurance at any time once you cross the threshold. Failing to provide compliant coverage can put your selling privileges and account health at risk, and leaves you personally exposed if a product you sold injures a customer or damages property.
By the numbers
Why the coverage is worth it.
Amazon keeps growing, and so does product-liability exposure. A single defective-product claim can cost more than years of premium. These are the numbers behind the requirement.
60%
of paid units sold on Amazon come from third-party sellers like you, who carry their own product liability
Marketplace Pulse (Q1 2026)$10K–$500K
typical pre-trial product-liability settlement range, with jury verdicts running into the millions
Insurance Information Institute — product liability facts~67%
of product-liability cases end in a settlement paid to the plaintiff
Insurance Information Institute — product liability facts48%
of U.S. commercial tort costs are carried by small businesses — about $160 billion a year
U.S. Institute for Legal ReformHow Assureful helps
A Amazon-ready policy, priced on real sales.
Assureful connects to your store, prices product liability from your real monthly sales, and issues a marketplace-ready Certificate of Insurance with the required additional-insured wording, usually the same day.
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See your Amazon price in minutes.
No calculator gymnastics. Enter your email, connect your store, and get product liability insurance priced on your real sales, with a marketplace-ready Certificate of Insurance the moment Amazon or a buyer asks for one.
- Starts at $26/mo, about 42% less than comparable A-rated insurers
- Same-day COI with the right additional-insured wording
- No long forms and no annual-forecast guesswork
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
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Questions
Amazon seller insurance FAQ.
At what point does Amazon require insurance?+
Amazon requires commercial liability insurance within 30 days after your gross proceeds exceed $10,000 in any single month. Sellers below that threshold should also check product-category requirements and any direct request from Amazon. From November 2, 2026, products in Amazon.com categories with enhanced safety listing requirements need $1M per occurrence and $1M in aggregate regardless of sales, including sales below $10,000 a month.
How much product liability insurance does Amazon require?+
At least $1,000,000 per occurrence and in aggregate, with product liability and bodily injury included, a deductible no higher than $10,000, and an insurer rated A- or better by AM Best or S&P.
Who does Amazon need listed as additional insured?+
Amazon.com Services LLC and its affiliates and assignees must be named as additional insured on your Certificate of Insurance, and your named insured must match your legal entity in Seller Central.
What happens if I sell on Amazon without insurance?+
Where coverage is required by sales, product category or a direct request, Amazon can ask for a Certificate of Insurance and take action under its policies. Without a policy you also carry the full cost of any product-injury or property-damage claim yourself.
Other marketplaces
Requirements on the platforms you sell next.
Sources
Where these requirements come from.
Requirements as documented as of 2026-09-08. Marketplace terms change, so confirm against Amazon's current seller agreement before you rely on this page.
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