Amazon Seller Insurance for International Sellers
Amazon’s insurance rule follows your sales on Amazon.com, not your home address. Here is how it applies to sellers based abroad, and how we place US product liability for them.
The rule follows your Amazon.com sales
Amazon sets its insurance requirement by what you sell on the Amazon.com store. Once your gross proceeds there pass $10,000 in a month, or Amazon asks for proof, you have 30 days to carry commercial liability insurance with limits of at least $1 million per occurrence and in aggregate. Where your company is registered has no bearing on that trigger. A seller in Toronto, Manchester or Tel Aviv gets the same request as a seller in Ohio.
The policy has to fit Amazon’s other terms as well. It names Amazon.com Services LLC and its affiliates and assignees as additional insured by endorsement, it reaches every product you list on Amazon.com, and it comes from an insurer rated A- or better by S&P or AM Best that can handle claims globally. The full checklist sits on our Amazon seller insurance requirements page.
From November 2, 2026, the sales trigger falls away for enhanced-safety categories such as children’s products, cosmetics, ingestibles and lithium-battery goods. A seller abroad who lists in one of those categories needs the policy at any sales level, so compare your catalog with Amazon’s current category list in Seller Central.
Why your home policy rarely fits
Most sellers abroad start with the liability policy they already carry at home. The trouble usually sits in the territory clause. Many UK and Australian products liability policies exclude, or price separately, goods sold into the United States and Canada, because claims there run larger and arrive more often. A schedule that says worldwide on its face can still carve North America out further down the wording.
Even when a home insurer agrees to extend cover to US sales, the certificate still has to work for Amazon. Home policies are often written in local currency, list a trading name instead of the registered company, or come from an insurer with no S&P or AM Best rating. Amazon considers a local equivalent rating and reviews exceptions through Seller Support, but each extra step adds days while your listings wait.
Put three questions to your home broker before you rely on an existing policy. Does the coverage territory include suits filed in US courts? Does the policy respond to products sold on Amazon.com? Will the insurer issue the additional insured endorsement in Amazon’s exact wording?
With a US company or without one
Plenty of international brands sell through a US company, often an LLC set up for importing and banking. When that US company holds the Amazon account, the policy is written for it, and the name on the policy matches the legal entity in your Account Info. A mismatch here is one of the most common reasons Amazon rejects a certificate: a policy bought for the parent company sitting on an account held by the US subsidiary, or the other way round.
You do not need a US company to sell on Amazon.com or to buy US product liability through us. We place coverage for sellers based in every market listed below, whether the account belongs to a US entity or to the company at home. Some US insurers write only businesses domiciled in the United States, so part of our work is matching your setup with the markets that write it.
Mainland China is the one exception to plan around. From November 2, 2026, Amazon requires sellers based in Mainland China without a US company to buy new policies through the Amazon Insurance Accelerator. We help China-based sellers who operate through a US company, and the China guide below sets out both routes.
Documents that speed up a quote
Underwriters quoting a seller abroad want the same picture as for any Amazon seller, plus how the goods reach US buyers. Bring your product list with ASINs or links, your Amazon.com sales for the past twelve months and a forecast for the next twelve, and the legal name and address exactly as they appear in Seller Central.
Then describe the route. Say who manufactures each product, who acts as importer of record, and whether stock goes into FBA warehouses, a US prep center or ships direct from abroad. Amazon does not act as importer of record for any shipment, so a non-resident importer, a US company or a customs broker’s service fills that role. Insurers ask because the importer usually shares in the product liability.
Test reports, safety data sheets for batteries or chemicals, and English labels round out the file. Sellers in enhanced-safety categories should send those papers first, since that is where an underwriter’s questions begin.
One more item belongs on the list: the deductible. Home policies abroad often carry a large excess, and Amazon sets its own limit on the deductible a seller can carry and expects it shown on the certificate. Check the current deductible rule in Seller Central before you bind, and tell us the figure your business can comfortably carry.
Guides for each market
Each country has its own export path, home-policy wording and paperwork. For North America and the English-speaking markets, read our guides for sellers in Canada, the United Kingdom, Australia and Israel.
European and Latin American sellers will find the details for Germany, France, Italy and Mexico. Mexican sellers share Amazon’s North America unified account with Canada, while EU sellers bring their own product rules to the underwriting conversation.
Sellers in Asia can start with China, Taiwan, Japan, Korea and Vietnam. The China guide explains the Accelerator rule and the US-company route side by side.
How we work with sellers abroad
We work with hundreds of Amazon sellers, and the ones based abroad share a familiar pressure: an Amazon deadline running on US time while the business runs on another clock. We keep the back and forth in email, so you can answer during your own working day, and we ask for everything we need in one list instead of a long thread.
Once a policy is bound, we send the certificate and the additional insured endorsement in the form Amazon reviews, ready to upload in Seller Central. At renewal we compare the name, address and limits with your account again, because a company restructure abroad is a common reason a renewed certificate stops matching.
The rest of the section, from FBA inventory to category rules, is on our Amazon seller insurance hub.
A few useful answers
Common questions
Does Amazon's insurance rule apply if my company is outside the US?
Yes. Amazon ties the rule to your gross proceeds on Amazon.com, so a company registered abroad gets the same 30-day request once it passes $10,000 in a month, or earlier if Amazon asks.
Can I use the liability policy I already carry at home?
Only if its territory reaches US lawsuits, it responds to Amazon.com sales, the insurer holds an A- rating or a local equivalent Amazon accepts, and it can name Amazon in the exact additional insured wording. Many home policies miss at least one of these.
Do I need a US company to buy coverage through Mithril1?
No. We place US product liability for sellers abroad whether the Amazon account is held by a US entity or by the company at home. The one exception is Mainland China: sellers there without a US company buy new policies through Amazon’s Accelerator from November 2, 2026.
Should the policy limits be in US dollars?
Amazon states its minimum in US dollars, so the certificate needs to show limits of at least $1 million per occurrence and in aggregate. If your policy is written in another currency, ask how the certificate will present the limit before you upload it.
What changes for sellers abroad on November 2, 2026?
Two things. Enhanced-safety categories such as children’s products, cosmetics, ingestibles and lithium-battery goods need the policy regardless of sales, and Mainland China sellers without a US company must buy new policies through the Amazon Insurance Accelerator.