Start with the exact listing
Skincare is a useful product grouping within this guide, but Amazon's announcement uses the broader term cosmetic products. Check the classification of each cream, cleanser, serum and other listing, especially where treatment or sun-protection claims are involved.
Review leave-on and rinse-off products separately. A moisturiser, exfoliating serum and product with a treatment claim may need different descriptions; do not assume your storefront's skincare label resolves their classification.
What changes on November 2?
From November 2, 2026, Amazon.com sellers with products in categories with enhanced safety listing requirements must maintain commercial liability insurance covering those products, with at least USD $1 million per occurrence and in aggregate, regardless of sales. The existing requirement within 30 days of exceeding USD $10,000 in gross proceeds in any month also remains.
For an affected listing, being below the sales threshold will not remove the category requirement. If your product is outside those definitions, check the existing sales rule and any direct request in Seller Central. Apply the rules to Amazon.com rather than assuming the same position in every marketplace.
Review what is already on sale
Review existing listings as well as launches planned before November. A reformulated serum or a new sunscreen line should prompt fresh questions about product classification and insurance acceptance.
Match products to definitions
Keep a record of the relevant Seller Central category guidance and your listing identifiers. If the wording is unclear, ask Amazon about the precise product rather than guessing from a broad category name.
Check issued cover
If you already have insurance, ask whether it covers the relevant products and meets Amazon's current terms. An existing certificate is a starting point for review, not a substitute for checking the policy.
Allow time for document corrections
Follow the proof-of-insurance instructions in your seller account and check the submission status. Starting an application is different from having coverage in force and accepted documentation.
Common questions
Does this mean every skincare listing is affected?
Skincare is a useful product grouping within this guide, but Amazon's announcement uses the broader term cosmetic products. Check the classification of each cream, cleanser, serum and other listing, especially where treatment or sun-protection claims are involved.
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.