Amazon Product Liability Insurance Rules Starting Nov 2
From Nov 2, 2026 Amazon requires $1 million of liability cover for 11 safety categories at any sales level, and China-based sellers must use AIA. What to check.
On November 2, 2026, Amazon adds two requirements to its commercial liability insurance rules. Sellers with products in categories that carry enhanced safety listing requirements need a policy with at least $1 million of coverage per occurrence and in aggregate, whatever their sales. Sellers based in Mainland China must buy their cover through Amazon Insurance Accelerator. The older rule stays in place: once a seller passes $10,000 in gross proceeds from Amazon.com sales in a single month, the seller has 30 days to be insured.
Under section 9 of the Amazon Services Business Solutions Agreement, a seller must obtain and maintain commercial liability insurance within 30 days after exceeding $10,000 in gross proceeds from sales in one month on Amazon.com, or if Amazon otherwise asks for it. The policy should cover every product you list in the Amazon.com store. Nothing about that rule is removed on November 2.
What changes on November 2
Enhanced safety categories. Sellers with products in categories that have enhanced safety listing requirements must keep a policy that covers those products, with at least $1 million per occurrence and in aggregate. The $10,000-a-month threshold no longer matters for these products: a seller with modest sales is in scope the same as a large one. Amazon's announcement says the change applies to new and existing listings.
Sellers based in Mainland China. These sellers must get their policy through the Amazon Insurance Accelerator (AIA) program, unless Amazon has agreed otherwise in writing. According to the announcement, from November 2 Amazon rejects newly submitted policies that did not come through AIA. A valid third-party policy that was submitted before that date can be used until it expires, and the replacement then has to come through AIA.
Insurance is one of three requirements for these categories. Amazon's list page also asks for third-party product testing through an authorized testing, inspection and certification provider, and says products can be selected for ongoing testing at any time. The insurance rule is the one with a hard date attached, which is why it is the one to deal with first.
The categories covered
Amazon lists eleven categories. The list changes as Amazon adds categories, and Amazon says it does not cover every product with these requirements, so check Account Health for the requirements that apply to your own products.
Category
Examples from Amazon's list
Children's products
Toys, play yards, infant and toddler sleep products, child restraint systems
Consumable and ingestible products
Dietary supplements, ingestible over-the-counter medication, ophthalmic drug products
Fire-related products
Fire extinguishers, smoke and carbon gas alarms
General household devices
Immersion water heaters, small kitchen appliances
Home medical devices
Walkers and rollators, respiratory care supplies, medical mobility and transfer equipment
Lithium battery products
Lithium batteries, e-mobility devices and accessories, portable power supplies
Outdoor power and heating equipment
Portable generators, pressure washers, electric cutting tools, gas-powered outdoor heaters
Personal safety equipment
Climbing harnesses and ropes, fall-protection harnesses, safety helmets
Sleep products
Mattresses, adult portable bed rails
Transport-related products
Auto and motorcycle tires
Water and marine safety products
Flotation products, pool safety and access control products
Several of these are broader than they look. "Small kitchen appliances" covers any compact electric or non-electric device used on a countertop or stovetop to prepare, cook or heat food. "Lithium battery products" includes anything that uses a lithium battery as its power source, not just the batteries themselves.
How the rules apply to four example sellers
The four sellers below are examples, not real accounts. They show how the $10,000 rule and the new category rule combine.
Example seller
Monthly gross proceeds
What applies from November 2
Sells dietary supplements
$2,000
A policy of at least $1 million is required, because the category is on Amazon's list. The $10,000 threshold does not matter.
Sells phone cases, which are not on the list
$12,000
The older rule applies: insurance within 30 days of passing $10,000 in one month.
Sells phone cases
$6,000
No insurance requirement under the rules described here, unless Amazon asks for it or Account Health shows one.
Based in Mainland China, sells lithium power banks
$5,000
Both new rules: a $1 million policy for the category, obtained through AIA if it is a new policy.
Gross proceeds means sales, not profit, so a seller can pass $10,000 in a month while earning far less than that. Phone cases are used only because they are not on the list. The list is not exhaustive, so confirm each product in Account Health.
What the policy must say
Amazon's page sets out criteria that a policy has to meet in full. The ones that most often decide whether a certificate is accepted are these:
Type and basis. Commercial general, umbrella or excess liability, written on an occurrence basis. If an occurrence-based policy cannot be had for certain product categories, Amazon's FAQ points sellers to a claims-made policy through their insurer.
Limits. At least $1 million per occurrence and in aggregate, covering products, products and completed operations, and bodily injury. The deductible must not be more than $10,000, and it must be shown on the certificate of insurance.
Names. "Amazon.com Services LLC and its affiliates and assignees" named as additional insureds. The insured name must match the legal entity name in your Account Info, except that a single-member LLC may also use its trade name.
Scope. The policy has to cover all sales of the products you list on Amazon.com, and it must not contain a sunset clause.
Insurer. Global claim handling capability and a rating of A- or better from S&P or AM Best, with the policy completed in full and signed by an authorized representative of the insurer.
Notice. The insurer must give Amazon at least 30 days' notice of cancellation, modification or non-renewal.
If you cannot find a policy that meets these terms, Amazon says it will consider exceptions case by case.
Questions to put to an insurer
Most of Amazon's criteria turn into questions an insurer can answer in a sentence. Having them written down before the first call saves a round of back and forth.
Is the policy written on an occurrence basis? If it is claims-made, is that acceptable for my product category?
Are the limits at least $1 million per occurrence and in aggregate, and what is the deductible? It must not exceed $10,000.
Can Amazon.com Services LLC and its affiliates and assignees be added as additional insureds, and will the insurer give Amazon at least 30 days' notice of cancellation, modification or non-renewal?
Does the policy cover products and completed operations for every product I list, and does it exclude any of my product types?
Is the insurer rated A- or better by S&P or AM Best, and can it handle claims globally?
Timeline and what happens if you miss it
The new requirements take effect on November 2, 2026. If Amazon decides you need new or updated cover based on the categories you sell in, it sends an email asking for proof of insurance within 45 days of that notice, with instructions for submitting the documents. The announcement warns that listings in categories with enhanced safety listing requirements may be deactivated until you provide coverage. Amazon's list page describes the other side of this: submit the certificate through the Business Insurance verification page in Seller Central, and once Amazon confirms it meets the requirements, your selling privileges are turned on.
The practical risk is therefore a listing that stops selling in the middle of Q4, not a fine. Ten days is short for a new policy, so the sensible reading of the date is "start the process now" rather than "be done on the day".
A checklist before November 2
Step
What to do
Where to look
1. Map your products
Compare your ASINs with Amazon's category list and check Account Health for requirements on each one
Account Health
2. Read your current policy
Check limits, occurrence basis, deductible, additional insured wording and the insured name
Your certificate of insurance
3. Get quotes
Ask insurers whether they can write a policy that names Amazon and covers your categories. Sellers in Mainland China use AIA
Business Insurance page in Seller Central
4. Submit the certificate
Upload it through Business Insurance verification
Seller Central
5. Diary the renewal
A lapse or cancellation is reported to Amazon with at least 30 days' notice, so renew early
Your calendar
Common questions
Does this apply if I sell less than $10,000 a month?
For products in the listed categories, yes. The $1 million requirement applies regardless of gross proceeds. For products outside those categories, the $10,000-a-month rule still applies as before.
Do I need a separate policy for each product?
No. Amazon asks for a policy that covers all the products you list on Amazon.com, so one policy with the right limits can cover the whole catalog. What matters is that the policy actually covers those products, which is a question for the insurer.
What if my policy was submitted before November 2?
For sellers based in Mainland China, the announcement says a valid third-party policy submitted before November 2 can be used until it expires, after which AIA is required. For other sellers, the criteria on Amazon's page apply as they are written, so check an existing certificate against the list above.
How much will it cost?
Amazon's pages give no price, and premiums depend on the products, the sales volume and the insurer. Amazon Insurance Accelerator is a network of providers that evaluates sellers and offers cover to those who qualify, and it is open to sellers outside Mainland China as well. Getting two or three quotes with the exact requirements in hand is the only way to find out.
