How much product liability insurance do Amazon sellers need?
Amazon requires at least $1,000,000 per occurrence and $1,000,000 in aggregate, including product liability, on an occurrence-based form, once you exceed $10,000 in monthly sales. Higher-risk categories or wholesale expansion can justify more, but $1M/$1M is the Amazon baseline.
Get a free quoteRecommended limits for Amazon sellers
Situation
Suggested limit
Amazon minimum
$1,000,000 per occurrence and aggregate
Higher-risk category
Consider higher limits or an umbrella
Also selling wholesale
$1M-$2M, plus additional insured for buyers
Policy form
Occurrence-based (required by Amazon)
Free quote
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Questions
FAQ.
How much insurance does Amazon require?+
At least $1,000,000 per occurrence and in aggregate, product liability included, on an occurrence-based form, once you exceed $10,000 in monthly sales. Higher-risk sellers may carry more.
Related
General information, not insurance advice. Sources: Amazon Seller Central: Commercial Liability Insurance. Reviewed 2026-07-01.