A product description comes before a policy comparison
A small connected device may combine a rechargeable battery, charging accessories and software features. An insurance review needs the actual device function as well as the electronics label.
Use the questions below to discuss proposed policy wording with an insurer. They identify points to clarify; they do not describe guaranteed Assureful coverage or imply that every product in this guide can be insured.
Three questions for your insurer
Are the device and battery both described?
Give the insurer the device function, battery chemistry and charging arrangement. Ask whether the proposed terms include relevant battery or product-type restrictions.
Are software and data risks a separate question?
Explain connected features and any services your business operates. Ask which exposures the proposed product policy addresses and whether cyber or service-related protection would require a separate discussion.
Are specialist claims or uses disclosed?
Share advertised protective or other specialist functions where present. Ask whether the insurer can consider those uses rather than relying on a generic consumer electronics category.
When the product range changes
An electronics seller adds a connected safety device to a range of entertainment accessories. The protective function needs to be disclosed, not obscured by the fact that both products contain rechargeable batteries.
This is an illustrative situation, not a claim example or an eligibility decision. Keep a written record of what you disclosed and the insurer's response, especially where a new product or activity needs further review.
Read beyond the headline limit
For affected categories, Amazon's November update specifies at least $1 million per occurrence and in the aggregate. The occurrence limit applies to a covered occurrence; the aggregate limits covered claims over the applicable period, subject to the policy wording. A certificate showing those figures does not explain all exclusions, deductibles or conditions.
Ask about the insured business name, products, activities, policy period and applicable territory. Review the full terms and Amazon's current proof requirements before relying on a quote or certificate.
Common questions
Does a $1 million certificate prove every product is covered?
No. The policy's product scope, exclusions, conditions and other terms matter. Ask the insurer to review the actual range; a certificate summarises certain policy information and does not replace the full wording.
Can I apply with less than $10,000 in monthly sales?
Yes. Assureful's application accepts sales figures below $10,000 a month. Use your actual sales or a reasonable projection. An estimate does not guarantee product eligibility, an issued policy or Amazon's acceptance of your documents.
Amazon policy source: Commercial liability insurance announcement, checked September 8, 2026. Check the current enhanced-safety category definitions in Seller Central (sign-in may be required). Product checklists and examples are Assureful editorial guidance, not Amazon’s complete category list.
For Mainland China sellers, Amazon’s separate AIA requirement also applies from November 2: new policies submitted must be obtained through AIA; compliant third-party policies submitted beforehand can continue until expiry. Assureful’s current application supports businesses based in the United States and Hong Kong.