A product description comes before a policy comparison
A generator seller should begin with the power source, rated output and manufacturer-stated use. Those details give an insurer more to assess than the general phrase outdoor equipment.
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
Are fuel type and intended use understood?
Share the actual specifications and user documentation. Ask about relevant exclusions or conditions and whether the insurer can consider the specific generator products.
How are alleged injury and property damage addressed?
Ask for an explanation tied to the proposed wording, including any restrictions relevant to the product. Do not treat a certificate limit as a complete account of how a claim would be considered.
Does your business offer installation or repairs?
Disclose installation, servicing, repair or modification activities. Ask whether those activities are within the proposed business description or need separate coverage consideration.
When the product range changes
A generator retailer also arranges installation for some customers. The insurer needs to understand that activity and the retailer's role, rather than reviewing the business solely as an online product seller.
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.