Seller insurance requirements
Do you need insurance to sell on eBay?
No. eBay does not require sellers to carry liability insurance for standard selling. But eBay's User Agreement makes you responsible for the items you list, so a product that injures a customer or damages property is your liability. Business sellers, high-volume sellers, and higher-risk categories are advised to carry product liability coverage.
42%
average savings
$26
starting monthly
Same day
marketplace-ready COI
The requirement
eBay at a glance.
What eBay does and does not require, and what your buyers may ask for even when the platform is silent. Confirm against the current seller agreement before you rely on it.
Insurance required?
Not mandated by platform
When it applies
Not set by eBay. Driven by your product risk, sales volume, and any buyer COI requests.
Minimum limits
None set by eBay; $1,000,000 per occurrence is a common baseline for business sellers.
Additional insured
None required by eBay; add buyers or partners on request.
Carrier rating
Your choice; pick a reputable insurer.
Deductible cap
Not applicable.
COI deadline
Only when a buyer or partner requests one.
Named insured
Your seller business or legal name.
When you actually need it
What triggers a coverage request.
The policy pieces that matter for eBay sellers are product liability, general liability. These are the moments that create the need in practice.
01
You register as a Business Seller or sell at high volume
02
You sell electronics, batteries, cosmetics, supplements, or other higher-risk goods
03
A buyer or B2B partner asks for proof of insurance
04
You sell the same catalog across eBay, Amazon, and your own store
The exposure
What happens if you skip it.
eBay does not insure your products. If an item you sold causes injury or damage, the defense costs and any settlement are yours, which can be significant even for a low-priced product.
By the numbers
Why the coverage is worth it.
eBay keeps growing, and so does product-liability exposure. A single defective-product claim can cost more than years of premium. These are the numbers behind the requirement.
$10K–$500K
typical pre-trial product-liability settlement range, with jury verdicts running into the millions
Insurance Information Institute — product liability facts~67%
of product-liability cases end in a settlement paid to the plaintiff
Insurance Information Institute — product liability facts48%
of U.S. commercial tort costs are carried by small businesses — about $160 billion a year
U.S. Institute for Legal ReformHow Assureful helps
A eBay-ready policy, priced on real sales.
Assureful connects to your store, prices product liability from your real monthly sales, and issues a marketplace-ready Certificate of Insurance with the required additional-insured wording, usually the same day.
Start a free quoteFree quote
See your eBay price in minutes.
No calculator gymnastics. Enter your email, connect your store, and get product liability insurance priced on your real sales, with a marketplace-ready Certificate of Insurance the moment eBay or a buyer asks for one.
- Starts at $26/mo, about 42% less than comparable A-rated insurers
- Same-day COI with the right additional-insured wording
- No long forms and no annual-forecast guesswork
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
eBay seller insurance FAQ.
Do I need insurance to sell on eBay?+
eBay does not require it for standard selling, but it does not cover your products either. Business sellers, high-volume sellers, and anyone selling higher-risk goods should carry product liability insurance because any injury or damage claim is their responsibility.
Does eBay cover sellers if a product injures someone?+
No. eBay's User Agreement makes sellers responsible for the items they list. There is no marketplace product liability policy protecting you, so your own coverage is what stands between you and a claim.
Other marketplaces
Requirements on the platforms you sell next.
Sources
Where these requirements come from.
Requirements as documented as of 2026-07. Marketplace terms change, so confirm against eBay's current seller agreement before you rely on this page.
Start now
Get eBay-ready coverage in 2026.
Connect your store, answer a few questions, and get a marketplace-ready Certificate of Insurance with the additional-insured wording buyers ask for.
Start a free quote