Amazon Tightens Commercial Liability Insurance Requirements for Sellers

Amazon has announced updates to its commercial liability insurance requirements for sellers, effective November 2, 2026. The changes aim to protect Amazon's customers and help sellers safeguard their businesses from financial loss in case of a product-related incident.

The existing policy requires all sellers to obtain and maintain commercial liability insurance within 30 days if gross proceeds from Amazon.com sales exceed USD 10,000 in any month, with minimum coverage of USD 1 million per occurrence and in the aggregate. Additionally, Amazon is introducing two new requirements:

First, sellers with products listed in categories with enhanced safety listing requirements will now be required to maintain a commercial liability insurance policy that covers those products, with a minimum coverage of USD 1 million per occurrence and in aggregate, regardless of whether they meet the USD 10,000 gross proceeds in a month threshold.

Second, sellers based in Mainland China must now obtain their insurance through the Amazon Insurance Accelerator (AIA) program. AIA connects sellers with a network of pre-vetted insurers who understand Amazon's coverage requirements, making it easier to secure compliant coverage and ensure claims are supported when they arise.