Amazon’s New Insurance Requirements Are Coming November 2. What Sellers Need to Know.

If you sell on Amazon, there is an important insurance update you need to have on your radar. Effective November 2, 2026, Amazon is updating its commercial liability insurance requirements. For some sellers, the biggest change is this: you may now need $1 million in commercial liability insurance even if you have never crossed Amazon’s $10,000 monthly sales threshold.

This guide breaks down what Amazon is changing, which product categories are affected, and what to do before November 2.

What Is Amazon Changing?

Amazon is adding two major requirements to its existing commercial liability insurance policy.

That is an important distinction. Previously, a smaller Amazon seller might not have been required to carry insurance because their monthly sales remained below Amazon’s threshold. Under the new rules, selling certain products can trigger the insurance requirement on its own.

Second, sellers based in Mainland China will be required to obtain insurance through the Amazon Insurance Accelerator program. Beginning November 2, 2026, Amazon says newly submitted insurance policies from these sellers will be rejected if they were not obtained through the program. More on that below.

The $10,000 Threshold Is No Longer the Whole Story

Amazon’s existing $10,000 monthly gross proceeds threshold is not going away. Instead, Amazon is adding another way sellers can become subject to its insurance requirement.

So the question is no longer simply, “Do I sell more than $10,000 per month?” You also need to ask, “Does Amazon consider any of my products subject to enhanced safety listing requirements?”

Which Amazon Product Categories Are Affected?

For the full category by category checklist, plus what your certificate has to show and the most common reasons Amazon rejects one, see our complete guide to Amazon seller insurance.

Amazon says its list of enhanced safety listing categories can change as new categories are added, and its published list does not necessarily cover every product subject to these requirements. Check Account Health for requirements that may apply to your specific products.

Amazon did not provide individual links for every product above. We’ve linked products where Amazon provided a corresponding Seller Central resource.

Insurance Is Only One Part of the Enhanced Requirements

If your products fall into one of these categories, there are three enhanced safety requirements you need to understand.

1. Product Liability Insurance

Amazon requires sellers of affected products to obtain a Certificate of Insurance with at least $1 million in coverage per occurrence and $1 million in aggregate. The COI must be submitted through Amazon’s Business Insurance verification process in Seller Central. Amazon will review the insurance, and once it meets the applicable requirements, selling privileges can be turned on. Amazon provides additional information in its Commercial Liability Insurance Requirements.

2. Third-Party Product Testing

Affected sellers must also work with a direct product validation authorized third-party testing, inspection, and certification (TIC) service provider to verify notified ASINs. These providers meet Amazon’s standards and applicable legal and regulatory requirements. Sellers no longer submit testing documents directly to Amazon. Instead, the TIC provider submits them on the seller’s behalf. You can use another accredited lab for TIC services, but if the lab is not authorized by Amazon, an authorized TIC provider must validate the results. Amazon provides more information through its Direct Product Validation guidance.

3. Ongoing Testing

Compliance may not end once your product is approved. Amazon says products can be randomly selected for periodic testing or inspection at any time. Testing is performed by an authorized third-party TIC lab. If a product fails surveillance testing, Amazon may contact the seller with required next steps. For serious safety issues, Amazon states that it must report the issue to regulators, and sellers may be required to issue a product recall.

What Happens If You Don’t Comply?

This is not a requirement sellers should ignore until Amazon follows up. Getting your insurance and compliance requirements squared away ahead of November 2 can help prevent an avoidable disruption to your Amazon business.

Mainland China Sellers Have an Additional Requirement

Starting November 2, 2026, sellers based in Mainland China will be required to obtain their commercial liability insurance through the Amazon Insurance Accelerator program. Newly submitted insurance policies from Mainland China sellers that were not obtained through Amazon Insurance Accelerator will be rejected beginning November 2.

What Should Amazon Sellers Do Before November 2?

Step by step, with the five checks to run on your current certificate: the complete Amazon seller insurance guide.

Don’t wait until November 2 to figure out whether the new requirements apply to your business.

• Review the products you currently sell and determine whether any fall into Amazon’s enhanced safety listing categories.
• Check Account Health. Amazon specifically states that its published list does not cover every product that may be subject to enhanced safety requirements.
• If you already have commercial liability insurance, review your current policy to confirm your products are actually covered and your limits meet Amazon’s requirements.
• Make sure you have the appropriate COI documentation available for Amazon’s verification process.
• Don’t assume you’re exempt simply because you haven’t reached $10,000 in monthly Amazon sales. If you sell products subject to enhanced safety listing requirements, the insurance requirement can apply regardless of your monthly sales.

Why Work With an Insurance Broker Who Knows Ecommerce?

Amazon insurance isn’t just about checking a box. Your coverage needs to make sense for what you sell, where you sell it, and the marketplace requirements your business has to meet. At Ecom Insurance, ecommerce is what we do.

We Understand Marketplace Requirements

Amazon, Walmart, TikTok Shop, and other marketplaces can have their own insurance and COI requirements. We work with ecommerce sellers, so you don’t have to start every conversation by explaining how your business works.

We Look at What You Actually Sell

A children’s toy, a dietary supplement, a lithium battery product, and a kitchen appliance don’t have the same risk profile. Your insurance should reflect your actual products and exposures.

We Help With the COI

Getting an insurance policy is one part of the process. Having the right documentation for marketplace requirements is another. We can help you navigate the insurance and COI side so you understand what Amazon is asking for and what you’re submitting.

You Get a Real Person

When Amazon sends you a compliance notice, you should have someone you can call. Not an 800 number. Not a generic support ticket. A broker who knows ecommerce and knows your business.

November 2 Will Be Here Fast

Amazon’s updated requirements represent an important shift for sellers in certain product categories. For affected sellers, sales volume will no longer be the only thing determining whether insurance is required. What you sell matters, too.

If you sell children’s products, supplements, lithium battery products, home medical devices, outdoor power equipment, safety products, or another product subject to Amazon’s enhanced safety requirements, now is the time to review your coverage. Don’t wait until a listing is at risk to find out your insurance doesn’t meet Amazon’s requirements.

Real broker. Real relationship. Not an 800 number.

This article is for general informational purposes and is not legal advice. Amazon states that sellers should consult legal counsel regarding laws and regulations applicable to their listings.