Small business. New insurance question.
If you sell a small range of skincare products or cosmetics on Amazon, you may have planned to sort out insurance when sales grew. The November update means it is time to check your product category now.
From November 2, 2026, Amazon.com sellers with products in categories with enhanced safety listing requirements must maintain commercial liability insurance covering those products, with at least USD $1 million per occurrence and in aggregate, regardless of sales. The existing requirement within 30 days of exceeding USD $10,000 in gross proceeds in any month also remains.
This is an Amazon.com marketplace requirement. It does not mean that every seller, every product or every Amazon marketplace has the same rule. The useful starting point is your actual listings.
For example
Imagine a skincare seller with $3,000 in monthly sales. If their products fall within an affected category, that sales figure will not exempt them from the new requirement. This is an illustration, not an eligibility decision about a particular product.
Start with what you sell.
Amazon’s public announcement names these broad groups. They are examples, not the complete list, and inclusion here does not mean Assureful can insure every product in the group.
Cosmetics & skincare
Amazon names cosmetic products in its announcement. Beauty sellers should check how their exact products are classified, including skincare listings.
Children’s products
Check the exact scope of the children's product categories, including relevant toys. Product age ranges and listing classifications matter.
Ingestible products
Amazon includes ingestible products. Check the detailed category list for your products rather than assuming all food or supplement listings are treated alike.
Lithium battery products
Amazon explicitly names lithium battery products. Check the scope for batteries and products containing them.
Check Amazon’s full enhanced-safety category list. Seller Central sign-in may be required. Match the detailed product definitions to your listings.
Find guidance for your products.
Explore 51 guides across 17 product segments, with separate articles on requirements, coverage questions and application preparation.
Explore the Amazon seller guide libraryFor beauty sellers, check the policy as well as the limit.
A certificate showing $1 million is only part of the picture. You need to understand whether the policy covers the cosmetics or skincare products you actually sell and which exclusions apply.
Have your product descriptions, ingredient information, supplier details and any previous claims ready for review. Tell the insurer about the full range, including new lines and other sales channels. A policy that covers one type of product may not cover everything in your store.
You do not need $10,000 in monthly sales to start.
Enter your product category, business location and current sales or best projection in Assureful’s application. See an indicative estimate before deciding whether to continue.
Get my insurance estimateYour November 2 readiness checklist.
- 1
Check your listings
Review the exact category definitions in Seller Central. Include existing products and any planned launches.
- 2
Review any current policy
Check that it covers the relevant products, meets the required limits and remains in force. Ask your insurer about exclusions or gaps.
- 3
Apply with accurate business details
Use your actual sales or best sales projection. Smaller sellers can apply; product and business eligibility still need review.
- 4
Arrange coverage and prepare your proof
An estimate does not put insurance in force. Once a policy is issued, check the named business and Amazon's certificate requirements.
- 5
Follow Seller Central instructions
Submit the required documents and check their status. Allow time to resolve any corrections before the requirement takes effect.
A separate change for Mainland China sellers
Amazon also says sellers based in Mainland China must obtain insurance through Amazon Insurance Accelerator (AIA). From November 2, newly submitted policies obtained outside AIA will be rejected. A compliant third-party policy submitted before that date can continue until it expires; replacement coverage must then be obtained through AIA.
Assureful’s current application supports businesses based in the United States and Hong Kong. Mainland China sellers should follow Amazon’s AIA instructions in Seller Central.
Questions smaller sellers ask.
Can I apply if I sell less than $10,000 a month?
Yes. You can start an Assureful estimate with monthly sales below $10,000. Enter your actual sales or your best sales projection. Your products, business location and underwriting review determine whether coverage can be offered; an estimate is not a policy.
Does the change apply to existing listings?
Yes. Amazon says the new category requirement applies to both new and existing listings. Check the products already in your store as well as any you plan to add.
Does every Amazon seller need insurance regardless of sales?
The new sales-independent requirement applies to products in categories with enhanced safety listing requirements. The existing rule for sellers exceeding $10,000 in gross proceeds in any month remains. Check Amazon's current policy and any direct request in Seller Central.
Is $1 million in aggregate the same as per occurrence?
No. Per occurrence is the limit for a covered occurrence, subject to the policy terms. The aggregate is the total limit for covered claims within the applicable policy period. Amazon specifies a minimum of $1 million for each.
Will getting an estimate satisfy Amazon's requirement?
No. An estimate is a pricing indication. You need an issued policy covering the relevant products and must follow Amazon's proof-of-insurance instructions. Starting an application does not mean coverage is in force or that Amazon has accepted your documents.
Source: Amazon’s commercial liability insurance announcement, checked September 8, 2026. Confirm current requirements in Seller Central. Coverage depends on the issued policy, its terms and underwriting review.