Amazon Seller Insurance Requirements: A Seller Central Verification Checklist

Start with your Amazon.com account

Amazon seller insurance requirements need an account-level check. A monthly sales figure alone cannot settle whether you need coverage. For US Amazon.com operations, bring together your sales history, Account Health notices, listed products, and existing insurance documents before deciding what action to take.

Amazon announced additional commercial liability insurance requirements with an effective date of November 2, 2026. This checklist explains that announced policy and a practical verification process. It does not report observations of its implementation after that date or determine coverage for an individual business.

Assign one person to coordinate the check. Keep the applicable notice, affected ASINs, relevant dates, insurer correspondence, and submission record together. That gives the account operator and insurance provider a shared set of facts to work from.

Separate the sales trigger from the category rule

Under the existing rule, insurance must be obtained and maintained within 30 days after Amazon.com gross sales proceeds exceed USD 10,000 in any month. Amazon may also request insurance otherwise. Check the month that crossed the threshold and any direct request; do not substitute annual revenue or a recent monthly average.

The announced November 2 addition requires coverage for products listed in categories with enhanced safety listing requirements, even below that sales threshold. Amazon specifies at least USD 1 million for each occurrence and in aggregate. The change covers new and existing listings.

Record which trigger applies and the action date shown in your own notice. Keep the category check separate from the sales calculation: falling below USD 10,000 does not resolve the category requirement. If the notice leaves timing unclear, ask Amazon for clarification against the current policy.

Check Account Health and the affected products

Amazon’s category policy says it notifies sellers through Account Health when products need enhanced-safety compliance. Its examples include children’s products, lithium-battery products, home medical devices, and personal safety equipment. The list changes and expressly does not include every affected product. Use the live category policy and your account notices together.

For your working record, capture the ASIN, product name, category identified by Amazon, notice date, requested action, and owner. Open any product-specific instructions instead of assuming every ASIN needs the same response. Category examples are a starting point for investigation, not a classification decision for your inventory.

Where the account information and your understanding differ, write down the discrepancy precisely. A question about one product’s classification should be traceable to that product and its notice. Keep unrelated listing issues in separate records so the insurance action remains clear.

Compare the policy and COI with current criteria

Use Amazon’s current Commercial Liability Insurance Requirements page as the full checklist. Review the policy with your insurer as well as its Certificate of Insurance (COI); a visible coverage amount alone is insufficient. The following checks summarize the policy text available on October 28, 2026.

Amazon accepts commercial general, umbrella, or excess liability cover. It normally requires occurrence coverage; the FAQ identifies limited category circumstances for claims-made cover. Limits must reach USD 1 million per occurrence and aggregate, including business liabilities, products/completed operations, and bodily injury, across all Amazon.com product sales. Deductibles cannot exceed USD 10,000 and must appear on the COI.

Confirm the additional insured is Amazon.com Services LLC and its affiliates and assignees. Check that there is no sunset clause. Match the insured name to Account Info’s legal entity; Amazon permits a trade-name alternative for single-member LLCs. The insurer needs worldwide claims capability and S&P A- and/or AM Best A- or higher, with a permitted local equivalent where those ratings are not valid or used.

Check insurer-authorized completion and signature, plus at least 30 days’ notice to Amazon of cancellation, modification, or non-renewal. Resolve unclear terms with the insurer using the current policy’s full wording and FAQ. Record the document version you intend to submit.

Check the Mainland China AIA branch

For sellers based in Mainland China, Amazon’s announcement requires Amazon Insurance Accelerator (AIA) for newly submitted policies from November 2, 2026. The policy allows otherwise only with Amazon’s written agreement. A valid qualifying third-party policy submitted before November 2 may continue until expiry; Amazon says AIA applies after that expiry.

If this branch applies, record when the existing policy was submitted and when it expires. Confirm the current requirements before arranging its replacement. Do not treat an earlier third-party submission as permission to renew outside AIA indefinitely.

Upload the COI and retain the response

Amazon moderator Billy_Amazon gives this navigation in a support reply: Seller Central → Settings → Account Info → Business Insurance. Use the current account controls to upload the COI. The category policy describes submission through Business Insurance verification and Amazon’s review. The support reply helps with navigation; the current policy governs the requirements.

Before uploading, compare the document with the checks above and the account’s instructions. Keep a copy of exactly what you send, the submission time, and any confirmation. Then inspect the verification status and Amazon’s response. Uploading a file and receiving acceptance are separate checkpoints.

If Amazon requests a correction, preserve its wording and identify the document or field involved. Send that specific issue to the appropriate owner, obtain a corrected document where needed, and keep the next submission linked to the response. Avoid assuming a processing time or an approval outcome.

Request review of a suspected classification error

In the same support reply, Billy_Amazon directs sellers who believe a product was misclassified to contact Seller Support with evidence such as product images and the category name. Treat that as an operational review route, subordinate to the controlling policy.

Make the case specific: identify the ASIN, reference the notice, explain the suspected mismatch, and attach the relevant evidence. Retain the case ID and answer. A request for review does not establish an exemption, cancel an account instruction, or guarantee that Amazon will change the classification.

Keep coverage verification in account maintenance

Amazon’s category policy reserves listing removal when insurance lapses or fails coverage requirements, and further action for noncompliance. Follow your account’s instructions and dates; the public evidence does not establish one universal enforcement deadline or automatic immediate account deactivation for every seller.

Keep an expiry reminder, a named renewal owner, and a record of the last verified document. Revisit the check when adding products or receiving a new notice. For help coordinating listings and account-health work, Go Massive’s Amazon account management service supports broader account operations.

Source scope: public US Amazon material checked October 28, 2026. Direct help-page opens returned JavaScript shells; indexed policy text and readable Amazon forum posts supported this review. No authenticated account was inspected. Recheck the current policy and your account before acting. This is an operational workflow, not individualized legal, contract, or insurance advice.