Insurance requirements should be read against the correct store, seller business and effective date. Keeping those details in a short evidence record is more useful than copying a generic coverage amount from another seller.
Separate current rules and announced changes
As of October 5, 2026, Amazon has announced US-store changes effective November 2, 2026. They include coverage for products in enhanced-safety categories and a provider requirement for sellers based in Mainland China. The official announcement describes the scope and transition details.
Use the linked commercial liability requirements and the notice in the account to check what applies. Requirements for another store or seller location should be reviewed separately.
Prepare the insurer conversation
Give the insurer the legal business name, selling territories, catalogue and marketplace instructions. Ask whether the actual products and operations are covered. Identify excluded product types, policy dates, deductibles, endorsements and evidence Amazon asks to see.
Keep written confirmation of material answers. If a policy is arranged through an intermediary, identify who issues the coverage and who handles claims.
Check the evidence record
- The insured entity matches the seller business.
- The certificate reflects the relevant policy and period.
- Required endorsements are available for review.
- The catalogue and territory given to the insurer remain accurate.
- Renewal and account submission responsibilities are assigned.
Revisit when circumstances change
Recheck after adding a product line, changing the manufacturer or entering another marketplace. Keep the submitted evidence and account response. Insurance does not replace label, safety, customs or marketplace checks; each should have its own decision record.
Start with your public Amazon pages
Get my free Amazon check: one dated page on who’s selling your products, who holds the Buy Box, price, stock and other sellers, and the three things we’d fix first. No account access, no sales call.