California Product Liability Insurance for Amazon & Shopify Sellers

Amazon requires product liability insurance once your monthly sales exceed $10,000, regardless of which state you're based in. Shopify doesn't require it directly, but most wholesale partners and multi-channel sellers in California carry it to meet retail partner requirements and protect personal assets from claims.

For a mid-size eCommerce seller, premiums in California average about $78/month at $1M/$1M coverage limits. Your exact price depends on product category (electronics and supplements run higher than apparel), monthly sales volume, and coverage limits. Assureful's pay-as-you-sell model prices on real sales data and averages 42% less than comparable A-rated insurers.

Yes. Assureful Insurance Services is licensed to transact insurance in California under license number 6004594. Our full regulatory information is available on the licenses page.

Product liability covers legal defense costs, settlements, and judgments if a product you sell causes bodily injury or property damage to a customer. Coverage applies regardless of where the customer is located, a California seller with a policy is still protected if a buyer in another state files a claim.

Most California sellers receive a compliant COI within minutes of completing the application. Coverage starts immediately, and we can upload the COI directly to Amazon Seller Central on your behalf.