A product description comes before a policy comparison
A walking frame and a rollator with brakes, a seat and accessories are different product descriptions. Preserve those details when checking listings and requesting an insurance review.
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 load limits and intended users recorded?
Share the manufacturer's stated capacity and intended use for each model. Ask whether the proposed policy contains relevant restrictions for these products or users.
Are seats, brakes and accessories part of the review?
Explain the complete product configuration and separately sold parts. Ask how the insurer treats the range, including any components added by your business.
What if you assemble or adjust products?
Disclose assembly, adjustment and other services offered with the sale. Ask whether those activities fall within the insured business description and whether any separate cover is needed.
When the product range changes
A walking-aid seller adds a seated rollator to a range of simple frames. The new model's features and stated capacity should be supplied to the insurer even though both products support mobility.
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.