A product description comes before a policy comparison
The first useful question is what the detector detects. A carbon monoxide alarm, combustible-gas detector and combination unit should be described individually, even if they sit together in your Amazon store.
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
Is the detection function accurately described?
Specify the gas or gases, intended environment and advertised function. Ask the insurer about relevant restrictions rather than relying on a generic electronics description.
What does the policy say about failure to perform?
Ask how exclusions or conditions might affect allegations that the detector failed to alert. Request an explanation using the proposed wording and your actual product specifications.
Does your business provide related services?
Disclose installation, calibration, maintenance or monitoring if offered. Ask whether those services are within the proposed coverage and identify any separate needs.
When the product range changes
A business sells both carbon monoxide alarms and gas-leak detectors. Describing both as carbon detectors obscures what they do. Prepare separate model descriptions before asking about category requirements or insurance scope.
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.