A product description comes before a policy comparison
An immersion heater application needs a clear account of what the product is designed to heat and how it is powered. Prepare the actual model specifications rather than describing the range only as household electrical products.
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 intended use within the reviewed scope?
Give the insurer the manufacturer's intended-use description and ask whether the proposed terms contain relevant exclusions or conditions for the heating product.
Are electrical and heat-related allegations addressed?
Ask how the policy wording applies to alleged injury or property damage involving the product. Do not infer the answer from the presence of a general liability limit on a certificate.
Does the review include modifications or installations?
Disclose any changes you make to the product and any installation service you provide. Ask whether those activities need separate consideration from retail sales.
When the product range changes
A seller sources a heater with different electrical specifications but keeps the same online product family. That change should be made clear to the insurer rather than hidden behind a familiar listing title.
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.