Amazon Seller Insurance Cost Estimator
Choose your yearly sales, how risky your products are and the limit you need, and see the premium range that published 2026 figures point to, by the year and by the month.
What this estimator prices
This tool estimates one line: the liability policy Amazon checks. That is a general liability policy that includes products-completed operations, with Amazon named as additional insured. Amazon asks for it once a seller’s gross proceeds pass $10,000 in a month, and from November 2, 2026 it asks sellers in its enhanced safety categories at any sales level. Every condition is on our Amazon seller insurance requirements page.
The numbers behind it come from figures that seller-insurance providers, rate-comparison sites and seller education sites published in 2025 and 2026, the same research gathered in our Amazon product liability insurance cost guide. Inventory, cargo, workers’ comp and cyber are separate policies with their own pricing, added up in how much insurance for Amazon sellers costs.
Estimate your premium
This is an estimate built from published ranges, not a quote. The insurer sets the real price after it reviews your products, sales and history.
Your choices stay on your screen. The calculation runs in your browser, and nothing you pick is saved or sent to us or anyone else.
| Yearly sales | Low risk | Standard risk | Higher risk |
|---|---|---|---|
| Under $500,000 | $500 – $1,000 | $500 – $1,500 | $1,200 – $2,500 |
| $500,000 to $1 million | $837 – $2,200 | $837 – $2,200 | $2,000 – $3,000 and up |
| $1 million and up | 0.25% to 1% of revenue: $3,750 – $15,000 on $1.5 million | ||
For an umbrella above the policy, one marketplace reports median premiums of $67 a month for retailers and $109 for manufacturers, with roughly $40 a month for each further $1 million. From $1 million in sales, published guidance puts product liability at roughly 0.25% to 1% of revenue, $3,750 to $15,000 on $1.5 million, and a quote on your own figures is the better guide at that size.
How each choice moves the range
Sales pick the row. For stores under $500,000 a year, the figures are a product safety guide’s $500 to $1,000 average for a $1 million policy and the $500 to $1,500 a year that 2026 sources give for a basic $1 million policy at a small seller. Between $500,000 and $1 million, they are the $837 to $2,200 in Amazon Insurance Accelerator quotes that a seller education site reported for a business that size. From $1 million up, the tool shows a common rule of thumb instead: product liability at about 0.25% to 1% of revenue.
Category picks the column, and each cell is a figure published for that kind of seller rather than a calculation. An online-seller insurer’s April 2026 pricing guide puts electronics, toys and supplements at $1,200 to $2,500 a year, and sellers in higher-risk categories or with sales in the high six figures commonly see $2,000 to $3,000 and more. The Accelerator quotes were reported for one seller size, not by category, so the low and standard settings share them.
The limit setting adds an umbrella line. Amazon’s minimum is $1 million per occurrence and $1 million in the aggregate, and many policies for online sellers come at $1 million/$2 million, so both sit in the first setting. When a retailer, distributor or wholesale account asks for more, an umbrella goes on top, and the estimator shows its reported monthly medians on a line of their own rather than adding them to the range.
Reading your estimate
Treat the range as a budget line, not a price tag. A wide band means the published sources disagree about sellers like you, and your own quote can land anywhere inside it, or outside it when something in your file stands out. The low end fits a short, simple catalog with no claims. The high end fits more SKUs, newer products or a thin paper trail on where goods are made.
The monthly figure is the annual estimate divided by twelve, a planning number for cash flow, and Mithril1 can offer monthly payment options so the premium doesn’t have to come out of one month’s margin.
Put the estimate into your unit economics as well. Divide the annual figure by the units you expect to sell, and check that the insurance inside each unit still fits the margin on your lowest-priced product.
What moves a real quote
A real quote moves with how the insurer classes each product, your test reports and supplier contracts, your claims history and the policy form and deductible. Our product liability cost guide walks through each one.
From estimate to quote
When the range fits your budget, the next step is a price on your own figures. Send us your product list by category, the last twelve months of sales by channel, where your goods are made, any test reports and your claims history. We work with hundreds of Amazon sellers. We request quotes from insurers that write online retail, so you can set real prices against this estimate, and the insurer decides after reviewing your products and sales.
If you would rather buy online today, the instant quote button takes you to NEXT Insurance, where you answer the questions and see the price yourself. Sellers who also want their stock covered can read bundled insurance for Amazon sellers, which puts liability and inventory on one policy.
A few useful answers
Common questions
Is the estimate a quote?
No. It reads ranges published in 2025 and 2026 for sellers with your sales and category. The insurer sets the price after reviewing your catalog, sales and claims history, and a quote request through us shows that number.
Why does the estimator ask about product category?
Category is the biggest swing in what sellers pay. Published guidance puts electronics, toys and supplements at $1,200 to $2,500 a year, against $500 to $1,000 for a small, simple store.
Does the estimator store or send what I enter?
No. The calculation runs in your browser, and nothing you choose is saved or sent to Mithril1 or anyone else.
Why is the range so wide?
The published sources disagree about sellers in some sales bands and categories, so the band shows where each source lands. Your own catalog and claims history place you inside it.
My sales are above $1 million. What should I expect?
Published guidance puts product liability at about 0.25% to 1% of revenue at that size, $3,750 to $15,000 on $1.5 million, and retail accounts often ask for an umbrella on top. A quote on your real figures is the better guide.