Amazon insurance requirements for Sellers

Amazon continues enter its maturity phase with additional barriers to entry onto its platform. For Sellers who gross more than $10,000 a month, you’re now required to obtain product insurance.

For business owners who have never obtained product insurance, it can be a bit of a quagmire. In today’s guest post from My Amazon Guy, Amazon Expert Steven Pope gets product insurance for his Age of Sage brand through Hiscox.

How to get a product insurance for Amazon FBA?

Here’s how to get product insurance for Amazon FBA if you are an Amazon Seller making more than $10,000 a month:

  1. Identify a product insurance provider
  2. Get a quote
  3. Pay for insurance
  4. Download proof of insurance
  5. Load to Seller Central

Below is some helpful information and links to all the steps and requirements.
After we got the insurance purchased and uploaded to Seller Central it will be reviewed and accepted within 24 hours.

“I tried to use my company’s active insurance policy from last year, but Amazon initially rejected it. Be sure to carefully review all their requirements and hit each one. After we got a new quote that met the requirements, it went right through in a day”, said Steven Pope, Founder of My Amazon Guy

Amazon Seller insurance letter

We’ll go through the details of the requirements in no time.
But, before, let’s take a look at Amazon’s letter to the sellers required to get insurance:

“We are writing to remind you to provide proof of liability insurance for the products you sell through Amazon.com Please provide this information within 30 days of receiving this email.”

Why did I receive this message?

You are required to provide proof of liability insurance, and our records show you have not done so.  As of September 1, 2021, Section 9 of the Business Solutions Agreement (https://sellercentral.amazon.com/gp/help/G1791) requires you to obtain and maintain at least $1 million of commercial general, umbrella, or excess liability insurance, within 30 days after exceeding $10,000 in gross proceeds in sales in one month on Amazon.com or if otherwise requested by Amazon.

amazon services business solutions agreement

What do I do next?

As we can read on Amazon’s email

“Please upload your Certificate of Insurance (COI) as proof of liability insurance coverage within 30 days of receiving this email.  The COI is issued by your insurance company and details what is covered, the amount of coverage, and any exclusions or deductibles.”

Where do I submit my proof of liability insurance on Amazon?

Upload your COI on the Business Insurance page (https://sellercentral.amazon.com/mario/v2/az/flow/BusinessInsurance/page/InsuranceEstablishment/global/render?view=up) in Seller Central account settings. The document can be uploaded in .pdf, .doc, or .docx format.

amazon seller insurance upload

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What are the Amazon Seller insurance requirements?

Your commercial liability insurance policy must meet all of the following criteria:

  1. The policy limit must be at least $1 million per occurrence and in aggregate, and cover liabilities caused by or occurring in conjunction with your business operations, including products, products/completed operations and bodily injury;
  2. The insurance policy type can be either commercial general, umbrella, or excess liability and be occurrence based;
  3. Your insurance provider must have global claim handling capability and a financial rating of S&P (https://www.spglobal.com/ratings/en/sector/insurance/insurance-sector) A- and/or AM Best (https://www.ambest.com/home/default.aspx)  A- or better (if S&P or AM best is not valid or used in the country where you are required to obtain insurance, a local equivalent is allowed);
  4. Your insurance provider must give Amazon at least 30 days’ notice of cancellation, modification or nonrenewal;
  5. The policy must name “Amazon.com Services LLC and its affiliates and assignees” as additional insureds;
  6. The deductible for any policy(ies) must not be greater than $10,000 and any deductible amount must be listed on the certificate(s) of insurance;
  7. The policy must cover all sales from products you have listed on the Amazon website;
  8. Your insured name must match the “legal entity” name you provided to Amazon (view your legal entity name) (https://sellercentral.amazon.com/sw/AccountInfo/LegalEntity/step/LegalEntity);
  9. The policy must be completed in its entirety and signed; and
  10. The policy must be valid for at least 60 days from the date of submission.

How can I obtain Amazon liability insurance?

As Amazon stated on the email sent out to Sellers:

You can choose any insurance provider that meets our requirements above. To help you easily and affordably secure liability insurance, Amazon has worked with an insurance broker to create Amazon Insurance Accelerator, a network of insurance providers who will evaluate and, if appropriate, offer liability insurance at competitive rates to qualifying selling partners.

You can learn more about Amazon Insurance Accelerator and contact the providers here (https://sellercentral.amazon.com/mario/v2/az/flow/BusinessInsurance).

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About the author

Steven Pope
CEO & Founder at

Founder of My Amazon Guy, an 80+ person Amazon Seller Central agency out of Atlanta, GA. We Growth Hack eCommerce and Marketplaces through PPC, SEO, Design, and Catalog Management. I am a Eagle Scout.

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