A product description comes before a policy comparison
A capsule, gummy and powdered drink can belong to the same brand while requiring different information for an insurance review. Describe the formulation and intended use of each line, not just the supplement brand name.
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
Which ingredients and formats are within scope?
Ask the insurer to consider the actual capsules, gummies, liquids or powders you sell. Request clarification of exclusions or restrictions that could affect individual formulations.
How are label and advertising claims treated?
Supply the claims used on packaging and online. Ask whether the proposed terms impose relevant conditions or exclusions and identify any product that needs further review before coverage can be offered.
What protection is separate from product liability?
Ask how the policy responds to an alleged injury and distinguish that from the cost of withdrawing stock, replacing products or refunding customers. Do not assume recall expenses are included.
When the product range changes
A seller adds a gummy version of a capsule supplement. Even if the branding is identical, the ingredients, manufacturing arrangements and product description may differ. Ask the insurer to review the new version on its own facts.
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.