A product description comes before a policy comparison
A cordless appliance is a complete system: the appliance, its battery and any charger supplied with it. Describe that system when checking the listing and preparing an insurance discussion.
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
Does the review cover the complete system?
Describe the appliance, battery and charger together and identify items sold separately. Ask whether the proposed policy has exclusions or conditions affecting any part of that range.
Are replacement batteries and chargers included?
Tell the insurer whether you sell original or third-party replacement components and how compatibility is described. Ask for clarification of the scope for those separate sales.
Are repairs or modifications part of your activity?
Disclose refurbishment, battery replacement or other work carried out by your business. Ask how that activity is treated alongside sales of new appliances.
When the product range changes
A cordless cleaning brand begins selling spare battery packs. Those additional listings should appear in the insurance disclosure rather than being assumed to fall within the original appliance description.
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.