Amazon Seller Insurance for India-Based Sellers
Exporting from India to Amazon.com customers? Here is how Amazon’s insurance rule reaches an Indian business, where an Indian policy falls short, and how we look for US cover for you.
Indian exporters and the US store
Amazon’s Global Selling program in India has grown quickly. In its October 2025 release, Amazon said the program had registered more than 2 lakh exporters, roughly 200,000, after a 33% rise in a single year, and it named the United States first among the international stores Indian sellers reach. For many of those businesses, Amazon.com is where the largest orders now come from.
That growth brings Amazon’s insurance rule into view. Under the Business Solutions Agreement, a seller whose gross proceeds on Amazon.com pass $10,000 in a month has 30 days to carry commercial liability insurance, and Amazon can ask for proof sooner. The rule follows sales into the US store, so a private limited company in Jaipur or a partnership firm in Tiruppur meets the same terms as a seller in Texas.
The policy needs limits of at least $1 million per occurrence and in the aggregate, Amazon added as additional insured by endorsement, and an insurer rated A- or better. Our Amazon seller insurance requirements page covers each item, and our product liability insurance page explains what the cover itself does when a customer is hurt.
What an Indian product liability policy does abroad
Indian insurers write product liability, but the standard wording is built around Indian courts. Shriram General Insurance, for example, states that its policy does not cover claims arising outside India except export claims. It extends cover to judgments or settlements under the laws of the United States or Canada only when the schedule shows an applicable excess and a retroactive date for that extension.
So the question for an Indian exporter is not whether the policy mentions exports. It is whether the North America extension is written into the schedule, with what limit and what excess. Without that extension, a lawsuit filed in a US court sits outside the cover, however large the policy limit looks in rupees.
Even with the extension in place, Amazon reviews details a domestic schedule is not set up to show: limits stated in US dollars, the endorsement naming Amazon in its own wording, and an insurer with an S&P or AM Best rating. That is why many Indian sellers keep the domestic policy for sales in India and add a separate US policy for Amazon.com. We request US product liability for sellers based in India, with or without a US company, and the insurer makes the final call.
Ayurveda, beauty and the November 2026 rule
Amazon’s export guide for Indian sellers lists home textiles, apparel, health and personal care, Ayurveda, beauty, toys, leather, furniture and jewellery among the categories that sell abroad. Several of those fall inside the enhanced-safety categories that, from November 2, 2026, need the $1 million policy whatever the monthly sales. Trade coverage of Amazon’s notice names ingestibles, cosmetics and children’s products among them.
Ayurvedic and herbal products draw the closest questions. The FDA has warned consumers about heavy metal poisoning linked to certain unapproved Ayurvedic products, which can contain lead, mercury or arsenic that the label never mentions. Underwriters therefore ask for heavy-metal results from an accredited laboratory, the ingredient panel exactly as sold in the US, and whether any listing makes a health claim. Our supplements guide goes through the US rules for ingestible products.
For a soap, hair oil or herbal face pack sold as a cosmetic, the questions turn to ingredients, warnings and complaint records. Toys and children’s clothing need a Children’s Product Certificate based on testing at a CPSC-accepted laboratory, and for goods made abroad the importer issues it, so plan that testing before the listing goes live.
Home textiles, apparel and leather
Bedsheets, cushion covers, rugs, kurtas and leather bags fill a large share of Indian catalogs on Amazon.com. These lines draw fewer underwriting questions than supplements, but the questions still come, and they center on US product standards rather than Indian ones.
Clothing sold in the US falls under the CPSC flammability standard for clothing textiles, 16 CFR part 1610. Carpets and rugs fall under parts 1630 and 1631, and their manufacturer or importer certifies compliance in a written General Certificate of Conformity based on testing. A US quote for a textile catalog moves faster when those lab reports arrive with the application.
Leather goods and fashion jewellery raise their own points: the dyes and tanning finishes, metal content in plated pieces, and the care and warning labels packed with each item. Have a sample of the English label for every product line ready, because an underwriter reads it as closely as the test report.
Export paperwork from India
Exporting goods from India runs through an Importer-Exporter Code from the Directorate General of Foreign Trade, issued against the business’s PAN, and customs will not clear an export shipment without one. Many sellers also file a Letter of Undertaking under GST each financial year, so they can export without paying IGST up front. Your chartered accountant handles these filings. We ask about them because they show which entity actually exports the goods.
For the insurance application we ask for the legal name exactly as Seller Central shows it, the certificate of incorporation or partnership deed, Amazon.com sales for the past twelve months, the product list with ASINs, and the factory or workshop behind each line. A Pvt. Ltd. company that trades under a brand name should give both, legal name first.
Then tell us how stock reaches US buyers. Amazon offers Indian sellers merchant fulfilment, FBA, and its SEND service, where a partnered carrier collects the shipment and handles customs on the way to the fulfilment center. Whoever acts as importer of record shares in the product liability exposure, so the application names that party as well.
A US company, or the Indian company itself
Some Indian brands form a US LLC once American sales grow, to hold the Amazon account, import the stock and bank in dollars. When the US company owns the seller account, the policy is written in its name, and the Indian parent can be added to it. When the Indian company holds the account directly, the Indian company is the named insured.
Either structure works with us. What matters is that the named insured on the certificate matches the legal entity in Account Info letter for letter, because a parent and subsidiary mixed up between the policy and the account is a familiar reason for a rejected upload. Amazon’s Accelerator requirement from November 2026 is written for sellers based in Mainland China, so Indian sellers keep their choice of insurer.
Working twelve and a half hours ahead
India Standard Time is UTC+5:30 all year, and India does not change its clocks. That puts Mumbai and Bengaluru twelve and a half hours ahead of the US Pacific coast while US clocks are on daylight time, and thirteen and a half ahead once they fall back in November. An Amazon email sent during a Seattle afternoon lands in the middle of the Indian night.
We work with hundreds of Amazon sellers, and the Indian exporters among them lose the most time to one thing: a question and its answer crossing that gap one day at a time. So we send a single checklist at the start, keep everything in email, and return the certificate and endorsement together, ready to upload. For every other guide in this series, visit our Amazon seller insurance hub.
A few useful answers
Common questions
Does my Indian product liability policy cover sales on Amazon.com?
Only if the schedule carries the extension for judgments under US or Canadian law, with its excess and retroactive date filled in, and the insurer will issue Amazon’s additional insured endorsement. Without that extension, a US lawsuit sits outside the cover.
Can a private limited company in India buy US product liability through Mithril1?
It can, when an insurer accepts the catalog and sales history. We request US product liability for sellers based in India, with the Indian company as the named insured, or with your US company if that is the entity holding the Amazon account.
Do Ayurvedic products need insurance before reaching $10,000 a month?
From November 2, 2026, ingestible products sit in Amazon’s enhanced-safety categories, which need the $1 million policy at any sales level. Compare each ASIN with the current category list in Seller Central.
Does my IEC or GST number need to appear on the insurance certificate?
Those numbers stay with your export and tax filings. The certificate needs your legal name and address exactly as Seller Central shows them, and we use the IEC holder’s name to confirm which company exports the goods.
Should I cancel my Indian policy once I have a US one?
Keep it. The Indian policy answers claims from buyers in India and the other markets its schedule covers, while the US policy answers Amazon.com sales and US courts. Tell each insurer about the other policy when you apply.