A product description comes before a policy comparison
Lithium battery sellers need to explain what is being sold: individual cells, assembled packs and replacement batteries are different starting points for an insurance review. The intended application also matters.
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 battery products can be considered?
Provide chemistry, capacity, configuration and intended uses. Ask about battery-specific exclusions or restrictions and whether the proposed review covers every cell or pack in your range.
Is assembly or repackaging disclosed?
Explain whether you assemble packs, rebrand, modify or simply resell batteries. Ask how those activities affect the proposed scope and what further information is needed.
How are related costs distinguished?
Ask how alleged injury or property damage would be considered under the wording. Separately ask about damaged stock, product withdrawal and transport-related exposures rather than assuming product liability includes them.
When the product range changes
A seller moves from branded replacement batteries to private-label packs. The change in sourcing and business role needs review even if both lines use lithium technology and revenue remains modest.
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.