A product description comes before a policy comparison
Mobility and transfer equipment should be described by its intended function and users. A product used to assist a transfer is not adequately explained by a broad medical supplies label.
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 assistance clearly understood?
Explain what each product does, who it is designed for and its stated load limit. Ask whether the insurer can consider that exact equipment and whether relevant exclusions apply.
Does assembly or modification affect the review?
Describe any assembly, adaptation or installation your business performs. Ask how those activities are treated instead of assuming a sales-only description includes them.
Are training or other services included?
If you provide instruction, servicing or other support beyond product sales, disclose it. Ask the insurer to distinguish product coverage from any service or professional exposure requiring separate review.
When the product range changes
An importer sells transfer equipment and adapts certain units before delivery. The adaptation is part of the business activity that needs disclosure; it should not be omitted because most orders are standard products.
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.