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Amazon Seller Insurance

Here is what Amazon requires, what seller insurance costs and what to send for a quote, from an agency that works with hundreds of Amazon sellers.

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Amazon’s insurance rule in brief

Most sellers arrive with the same question: what does Amazon actually require? In brief, a seller whose Amazon.com sales pass $10,000 in a month (Amazon’s trigger as of 2026) has 30 days to add commercial liability insurance with at least $1 million per occurrence and in aggregate, naming Amazon.com Services LLC and its affiliates and assignees as additional insured, from an insurer rated A- or better.

From November 2, 2026, products in Amazon’s enhanced safety categories need that policy from the first listing, whatever the sales. Our Amazon seller insurance requirements page covers each point, and product liability insurance is the coverage at the center of it.

What to send for an Amazon seller quote

Start with the insurance notice Amazon shows you in Seller Central, since each marketplace sets its own terms. Then answer four questions, and add the product list described below.

  • Which products do you sell?
  • Where is your business based, and which marketplaces do you use?
  • What insurance requirements has Amazon provided?
  • Do you have an existing policy or certificate of insurance?

US and international sellers

Sellers based outside the US can start with our guide for international sellers, which links a page for each country listed. Tell us every marketplace you sell in, and each one becomes part of the conversation.

Discuss your Amazon seller insurance needs

Seller account access, stored stock and a garage warehouse

A Seller Central login connects to your bank account, payouts, customer addresses and ad spend. A phishing email that gives away that login, ransomware on the computer where you track inventory or a fake supplier invoice paid by wire are questions for cyber insurance. Note who has account access and whether two-step sign-in is turned on for every user.

Stock held outside Amazon’s warehouses, such as overflow in a storage unit, packaging supplies or returns waiting for inspection, is property you own. A commercial property conversation sets values for that inventory at its seasonal peak. Sellers who pack orders at home should read the home-based business insurance guide, since boxes of stock in a garage raise questions a household policy is not written to answer.

What Amazon seller insurance costs, in brief

Published 2026 premium data from a national small-business marketplace puts general liability for small Amazon stores, which often includes product liability, at about $500 a year, and a Business Owner’s Policy at about $1,140 a year, both at the $1 million limits Amazon asks for. Those are starting figures for solo and very small stores, drawn from published industry data rather than a Mithril1 quote; established brands pay well above them.

Seller liability is priced mostly on sales, then adjusted for the product category. One specialist’s published bands put a store selling $300,000 a year at roughly $540 to $1,140, a figure for low-hazard goods, while a seller educator’s rule of thumb of 0.25% to 1% of revenue gives the same store $750 to $3,000, with the top of that range belonging to higher-risk categories. Products that are eaten, applied to skin, used by children or powered by batteries push the premium up, as do past claims and imported goods whose maker has no US presence; a clean history, supplier test reports and a higher deductible bring it down.

Our Amazon product liability cost guide works through the figures by sales band, and the seller insurance cost guide prices the whole program, from inventory to cargo.

A product list that tells the full story

For insurance purposes, a product list goes beyond SKUs. For each line, note what the item is, what it is made of, who manufactures it and whether it sells under your own brand. Flag clearly anything that is eaten, applied to skin, used by children or plugged into a wall.

Add rough annual sales for each category and where the goods ship from, whether that is Amazon fulfillment, a third-party warehouse or your own garage. A seller who imports directly should say so, along with the countries the products come from.

When selling grows beyond one marketplace

Plenty of sellers start on Amazon and later add a Shopify store, a wholesale account or a booth at a trade show. Each channel puts your products in front of buyers a little differently, so list every place you sell, not only the marketplace that asked about insurance.

Inventory you hold yourself raises a separate property question. If stock sits at home, in a storage unit or in a small warehouse, a Business Owner’s Policy conversation shows how that property and your liability coverage can sit side by side. Sellers who also run a shop will find inventory and customer-visit questions in our retail store guide, and the quote checklist gathers everything at once.

Keeping your proof of coverage current

When a marketplace asks for proof of coverage, a certificate of insurance is the document you share. Before uploading, check that the legal business name, address and policy dates on it match Seller Central exactly.

Set a reminder ahead of the renewal date so a fresh certificate is ready before the old one expires, and keep a copy of every version you have submitted in one folder.

A few useful answers

Common questions

Where should I check Amazon’s insurance requirements?

Seller Central’s Business Insurance page, under Account Info, and your seller agreement hold the current terms, and each Amazon marketplace sets its own.

What should I provide when requesting coverage?

Share the products you sell, your marketplaces, business location and Amazon’s current insurance requirements. Include an existing policy or certificate if you have one.

Can Mithril1 help sellers who sell internationally?

It can, once an insurer has reviewed the products and the sales. We request US product liability for sellers at home and abroad, and the one exception is a Mainland China seller without a US company, which buys new policies through Amazon’s Accelerator.

Who decides whether my policy meets Amazon’s requirements?

Amazon does, when it reviews the certificate in Seller Central. The insurer decides eligibility and what the policy covers, so bring Amazon’s notice to the quote and we will match the request to it.

Do I need insurance to sell through Amazon FBA?

You do once your sales pass Amazon’s trigger ($10,000 in a month as of 2026), and from November 2, 2026 from the first listing for products in Amazon’s enhanced safety categories. Amazon fulfills the order, but you remain the seller, so the rule applies the same way; the FBA insurance guide covers the rest.

What is FBA insurance?

Mostly product liability, plus property for stock outside Amazon and cargo for goods in transit. Our FBA insurance guide covers all three.

I sell on Amazon in Canada too. What should I share?

List the Canadian marketplace alongside your US activity, with the products sold there and where they ship from. Amazon.ca sets its own insurance rule, and our guide for Canadian sellers explains how the two stores differ.

Requirements and certificates

Amazon FBA

Product categories

Running an Amazon business

International sellers

Other marketplaces

Amazon delivery partners

Seller guides