Amazon Seller Insurance Cost: 2026 Rates and Requirements

Consider a hypothetical brand selling $180,000 a month on Amazon. It already carries commercial liability insurance, but the insured business name on its policy does not match the legal entity registered in Seller Central. The brand must resolve that discrepancy or establish that an Amazon-permitted exception applies.

That is why the cheapest insurance quote is not necessarily the lowest-cost decision. Sellers also need to confirm that the policy covers their products, meets Amazon's documentation standards, and remains valid when their business changes.

The November 2, 2026 update makes this particularly important for sellers in enhanced-safety categories, including businesses that have never crossed the usual $10,000 monthly threshold.

Yes, once you cross a threshold, and after November 2, 2026, for some sellers from the first sale. Under Amazon's Commercial Liability Insurance Requirements, a seller whose gross proceeds from Amazon.com exceed $10,000 in any month must obtain and maintain commercial liability insurance within 30 days, with minimum coverage of $1 million per occurrence and in the aggregate. The obligation sits in Section 9 of the Business Solutions Agreement.

On September 3, 2026, Amazon posted "New Commercial Liability Insurance Requirements effective November 2, 2026" to its U.S. Seller Forums. The announcement adds two triggers:

Amazon's updated requirements apply to products in categories with enhanced safety listing requirements, regardless of a seller's monthly revenue. Amazon identifies children's products, cosmetic and ingestible products, and lithium battery products as examples, but these are not an exhaustive list. Check the current Seller Central category requirements and review affected ASINs across your catalog before deciding whether the rule applies. Amazon states the requirement covers both new and existing listings. (Verified October 2026.)

Sellers want a number, and insurers publish them, but the published figures describe different policies sold to different customer groups. The table separates each figure from what it represents and what you must confirm before treating it as an Amazon-compliant quote.

None of these is a guaranteed rate for a compliant Certificate of Insurance. They establish the floor of the market, not your premium.

For budgeting, request quotes for coverage that explicitly meets Amazon's requirements and includes the products you sell. Compare annual premiums, deductibles, exclusions, and coverage limits, not just advertised starting prices. Allocate the final annual premium across expected sales to estimate its per-unit impact. For example, a $1,200 annual premium spread across 12,000 units adds $0.10 per unit before other insurance-related costs. Our Amazon profitability calculator models Amazon fees and landed cost; add the insurance figure to your fixed costs separately, since the tool does not include a premium field.

Five variables explain most of the spread in the table above.

• Revenue. Carriers commonly rate general liability on sales. An Amazon seller generating $500,000 in annual revenue may receive a different premium from one generating $100,000, depending on product risk, claims history, and coverage terms. The lowest published figures assume a seller just over the threshold.
• Product category. Insurance Canopy notes that riskier categories such as supplements, tools, and electronics may cost more to insure. These overlap with Amazon's enhanced-safety examples, so sellers newly required to buy are often the ones quoted highest.
• Country of manufacture. Some carriers restrict or decline products manufactured in certain countries, and at least one insurer in reported Accelerator coverage declined China-made goods. That does not mean every China-manufactured product costs more to insure, but it can narrow your carrier options. Disclose your supply chain at quote stage, not at claim time.
• Policy form and limits.$1 million per occurrence and aggregate is Amazon's floor. Many brands carry $2 million aggregate, and umbrella coverage is typically sold in $1 million increments on top of an underlying general liability policy.
• Channel and operations. Fulfillment method, warehousing, employees, and non-Amazon sales channels all affect the risk a carrier is pricing. A single policy covering all channels is usually cheaper than channel-specific coverage, provided its wording satisfies Amazon.

This is where established brands fail. Most already have a policy; fewer have one written to Amazon's specification. Before uploading a Certificate of Insurance, review the policy against Amazon's current requirements:

• Commercial general, umbrella, or excess liability insurance with at least $1 million per occurrence and in aggregate, covering relevant products, business operations, bodily injury, and completed operations.
• An occurrence-based policy, unless an applicable Amazon exception permits a claims-made policy.
• A deductible no greater than $10,000, disclosed on the certificate.
• Coverage for all products and sales listed in the Amazon.com store.
• Amazon.com Services LLC and its affiliates and assignees named as additional insureds.
• An insured name matching the Amazon legal entity, subject to Amazon's stated exceptions.
• Global claims-handling capability and a qualifying insurer financial rating.
• No sunset clause, a completed and signed policy, and the required insurer notice of cancellation, modification, or nonrenewal.

Check the full Amazon policy criteria with your broker before submission. Upload the certificate in Seller Central under Settings > Account Info > Business Insurance, and reverify the status after it processes.

Example COI review record

Keep one of these per policy renewal. The values are illustrative.

Amazon Insurance Accelerator connects sellers with insurers Amazon has pre-vetted to write policies to its specification. For sellers outside Mainland China, it is optional. For Mainland China-based sellers, Amazon will reject newly submitted policies not obtained through AIA from November 2, 2026, with two stated exceptions: a valid third-party policy that meets the coverage requirements and was submitted before November 2 remains usable until it expires, and Amazon's policy page provides for written exceptions in specific circumstances.

Amazon presents the Accelerator as a way to help sellers obtain compliant coverage, not as a guarantee that every submission will be accepted. The trade-off for brands with existing commercial coverage is less flexibility on limits, bundling, and carrier choice. Such brands are often better served by having their broker issue an endorsement matching Amazon's language and keeping one policy across all channels. Either way, the checklist in section 04 still applies.

The premium is a few hundred to a few thousand dollars a year. The exposure is the Seller Central notice that follows a rejected or missing certificate.

Amazon's seller notices for the November 2 change ask affected sellers to submit proof of commercial liability insurance by the deadline to continue selling in enhanced-safety categories. Amazon has not published how it will enforce, and sellers who were present for the 2021 insurance tightening will remember that enforcement was inconsistent. The right posture is to treat the notice at face value: follow the specific instruction in Seller Central and its stated compliance deadline, rather than betting on whether Amazon follows through.

Treat the certificate as an account-health document. Put the policy expiry date on the same calendar as identity verification and bank reverification, request renewal quotes 60 days before expiry, and confirm the Seller Central status after every upload. Lapsed documentation of any kind tends to surface as an account-level notice rather than a polite reminder; our guide to Section 3 notices covers how to read and respond to those when they arrive. Document tracking of this kind is standard scope inside our Amazon account management work.

This article is general information, not insurance or legal advice. CMO is not an insurance broker. Confirm policy terms with a licensed broker and against Amazon's current published requirements.