What Amazon insurance do sellers need in 2026?

When does Amazon require seller insurance?

Section 9 of the Amazon Services Business Solutions Agreement requires you to obtain and maintain commercial liability insurance within 30 days after you exceed USD 10,000 in gross proceeds from sales in one month on Amazon.com, or if Amazon otherwise asks. A brand doing $100K a month crossed that line long ago.

Two additional rules take effect on 2 November 2026. Sellers of products in categories with enhanced safety listing requirements must carry a policy with USD 1 million per occurrence and in aggregate regardless of their sales. Sellers based in mainland China must buy their policy through the Amazon Insurance Accelerator unless Amazon agrees otherwise in writing.

What are Amazon's seller insurance requirements?

Your policy must meet every one of these, unless the law requires otherwise:

How do you get and upload proof of Amazon seller insurance?

You can use any insurer that meets the rules, or one from Amazon's own network:

1. Get quotes. Use your broker, or the Amazon Insurance Accelerator, a network of insurers Amazon set up with a broker. Accelerator policies are verified automatically.
2. Check the policy against Amazon's list. Confirm the limits, deductible, occurrence basis, no sunset clause, additional insured wording and that every product you sell is covered.
3. Match the name. The insured name must match the legal entity name in Seller Central. A mismatch is the easiest rejection to avoid.
4. Upload the Certificate of Insurance. Submit it on the Business Insurance page in Seller Central, with the deductible shown on the certificate.
5. Keep it current. Renew before expiry and make sure your insurer will give Amazon 30 days' notice of any change.

How much does Amazon seller insurance cost?

Amazon does not publish prices. Seller Assistant, a seller-software company, put the typical cost at $500 to $2,000 a year, or roughly 0.25% to 1% of revenue, in a 2023 article. Treat that as a starting range, not a quote.

What moves the premium: your product category and risk, your sales volume, the limits and deductible you choose, and whether you need an umbrella policy on top. A $100K a month brand in supplements or children's products will pay more than one selling kitchen towels. Get at least two quotes, and compare the policy terms, not just the price.

Why does seller insurance matter beyond compliance?

Because it changes who pays when a customer says your product hurt them. Under Amazon's A-to-z claims process for property damage and personal injury:

• For claims of $1,000 or less, Amazon resolves the claim with the customer and does not ask you or your insurer to repay it, if you have provided proof of insurance.
• If you are required to have insurance and do not show proof within 7 days of a claim notice, Amazon expects you to reimburse it and may withhold funds from your disbursements.
• For claims above $1,000, you or your insurer handle the claim directly. With proof on file, Amazon passes it straight to your insurer; without it, you must respond within 7 days and aim to resolve it within 30.

Amazon's own example of a sunset clause shows the trap: a product sold in January 2025, a policy that expires at the end of 2025, and a claim filed in March 2026 gets denied. Product liability claims can arrive years after the sale, which is why Amazon bans sunset clauses.

What makes a good Amazon seller insurance provider?

There is no single best provider; there is a best fit for your category. Amazon's best-practice page lists what to look for: an insurer that advances the deductible on claims rather than waiting for you to pay it, US-based claims handling in English, the ability to supply certificates and full policy documents when Amazon asks, continuous cover with no gaps, and prompt answers to Amazon's verification requests.

Insurance is one line on the account health checklist we run for every client, alongside policy compliance, claims and performance metrics. It is covered in our $1,600 a month Full Account Management plan; see Amazon account health.