Amazon Seller Insurance That Costs 42% Less

Yes. Assureful policies meet Amazon's $1M per occurrence and $1M aggregate minimum, are written on occurrence-based forms, name Amazon.com Services LLC as Additional Insured, and are underwritten by A-rated insurers (S&P A-, AM Best A- or better). We can send the Certificate of Insurance directly to Seller Central on your behalf.

Amazon requires product liability insurance once your gross monthly sales exceed $10,000 in any calendar month. Amazon typically gives sellers 30 days to provide a Certificate of Insurance after crossing the threshold. Missing the deadline can lead to listing suspension.

Most sellers receive a compliant COI within minutes of completing the application. Coverage starts immediately. We can also upload the COI directly to Seller Central for you.

Yes. We cover imported products from all countries, across 33,000+ product categories. Third-party vendor exclusions that trip up sellers with other carriers do not apply to Assureful policies.

Your policy covers global sales. Whether you sell via Amazon.com, Amazon.ca, Amazon.co.uk, or any other marketplace, you're protected.

We connect directly to your Amazon Seller Central account via a read-only API connection. Your premium is recalculated every month based on your actual Amazon sales. Sell more in Q4, pay proportionally. Sell less, save immediately. No annual forecasts, no surprise audits.

Your product liability policy remains active regardless of account status. For suspension-specific coverage (appeal costs, lost revenue), see our Seller Defender product, which covers up to $10,000 if your account is not reinstated within 180 days.

Yes. You can cancel at any time with 30 days' notice. No lock-in, no early termination fees.

An Amazon-compliant policy covers third-party bodily injury and property damage caused by the products you sell, including legal defense costs. That means a customer who is injured by a product, or whose property is damaged, can claim against your policy and the insurer pays for both your defense and any resulting settlement, up to your $1M per-occurrence limit.

Standard exclusions include damage to your own products, intentional acts, employment practices liability, professional services, and pollution. Cyber breaches and data leaks are typically excluded as well, those need a separate cyber liability policy. Specific high-risk categories (firearms, certain supplements, recalled products) may also be excluded or surcharged.

Insurance requirements are the same for FBA and FBM sellers, $1M / $1M product liability once you cross $10K monthly sales. Pricing can differ slightly: FBA sellers often see lower premiums because Amazon handles fulfillment, reducing certain liability exposure. FBM sellers retain more direct risk over packaging and shipping.

Most sellers stay at $1M / $1M because that meets Amazon's requirement. Sellers over $5M annual revenue, with high-risk categories, or whose wholesale buyers require it, typically move to $2M-$10M umbrella limits. Assureful supports custom limits up to $10M aggregate.

Most online insurance providers price on annual revenue forecasts you enter once. Assureful prices on real monthly Amazon sales pulled from Seller Central. The result is typically 42% less than comparable A-rated insurers because we don't pad for forecast risk, and your premium adjusts down in slow months instead of locking in. See our /vs comparison pages for side-by-side detail.