Assureful

Skincare · Prepare to apply

What to prepare before requesting skincare product liability insurance

Get your skincare business ready for an insurance application. Gather the useful details, enter accurate sales and understand what an estimate means.

Smaller sellers can apply. Coverage subject to underwriting.

By Assureful3 minute readThe November 2 update

Build a clear picture of your range

Do not increase a $3,000 monthly estimate to $10,000 to fit an assumed minimum. Enter an accurate figure; eligibility depends on the business and products as well as underwriting review.

Use the checklist below to organise information for an insurance review. It is a preparation aid, not a statement that every document is required in the first application screen. The reviewer may ask for more detail based on your products and business.

Your product information checklist

  • The full skincare range

    List each SKU and formula, noting intended use, ingredients and whether the product is leave-on or rinse-off.

  • Labels and listing copy

    Keep readable packaging and current Amazon descriptions, including directions and claims.

  • Supplier and batch information

    Identify the manufacturer for each formula and the batch information your business keeps.

  • A clear revenue estimate

    Prepare actual sales or a reasonable projection and identify whether the figure is monthly or annual.

Enter accurate details in your estimate

Start with your main product category, business location and sales figure. Assureful's initial estimate lets you select monthly or annual sales. Use the period that matches your figure; a $3,000 monthly projection is different from $3,000 annually.

You can begin below $10,000 a month. Do not increase the figure to meet an assumed minimum or omit products that may need review. If your range spans categories, be ready to explain it as the application progresses. Product and business eligibility remain subject to underwriting.

Know what comes after an estimate

An indicative estimate helps you explore pricing; it does not put insurance in force. Complete the required review, examine any offered terms and confirm that a policy has been issued before treating the business as insured.

If Amazon requires proof, check the business details on the issued documents, submit them through the instructions in Seller Central and follow up on their status. Keep a copy of the policy and the product information supplied during the review.

Common questions

Do I need every checklist item to see an initial estimate?

The first estimate screen asks for your main product category, business location and sales. This guide helps you prepare for any further review; additional information may be requested before terms or coverage can be offered.

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.

Your next step

Start with the business you have today.

Below $10,000 a month? You can still apply. Tell us what you sell and use your actual sales or best projection.

Get my insurance estimate

Indicative estimate. Coverage and product eligibility subject to underwriting.