What is Occurrence vs Claims-Made?
An occurrence policy covers incidents that happen during the policy period, no matter when the claim is filed. A claims-made policy only covers claims both arising and reported while the policy is active. For product sellers, occurrence-based coverage is usually preferred because product claims can surface years after a sale.
Why it matters for sellers
Amazon specifically requires occurrence-based coverage. Occurrence policies protect you against late-surfacing product claims even after you switch insurers, which matters because injuries can be reported long after purchase.
Example
A product sold this year injures someone two years later; an occurrence policy in force at the time of sale still responds.
Free quote
Get coverage that checks this box.
Product liability insurance priced on your real sales, with a marketplace-ready Certificate of Insurance whenever a platform or buyer asks. Starts at $26/mo.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
Does Amazon require an occurrence policy?+
Yes. Amazon requires occurrence-based commercial liability coverage, not claims-made, so incidents during the policy period stay covered even if reported later.
Definition based on Insurance Information Institute and IRMI Glossary of Insurance & Risk Management Terms. Reviewed 2026-07-01. This is general information, not insurance advice.