Three things. First, the $10,000 monthly gross proceeds threshold no longer applies to products in categories with enhanced safety listing requirements, so those sellers must carry $1,000,000 per occurrence and $1,000,000 in aggregate regardless of revenue. Second, the coverage has to actually cover the product being sold, not simply exist. Third, products in these categories require verification through an authorized third party testing, inspection and certification provider, and sellers no longer submit documentation to Amazon directly.

If your product is in a category with enhanced safety listing requirements, yes. That is the core of the change. The revenue threshold that previously exempted smaller sellers does not apply to those categories anymore. A listing with zero sales in a listed category still requires the full $1,000,000 per occurrence and $1,000,000 aggregate coverage.

If none of your products are in a listed category, the original $10,000 monthly threshold still governs.

Both. Amazon’s update states the change applies to new and existing listings. A product you have been selling for years without ever carrying commercial liability insurance is in scope if it falls in a listed category.

Children’s products, consumable and ingestible products including dietary supplements and topical products, fire related products, general household devices including small kitchen appliances, home medical devices, lithium battery products, outdoor power and heating equipment, personal safety equipment including all helmets and climbing gear, sleep products including mattresses, auto and motorcycle tires, and water and marine safety products including flotation devices and pool safety equipment.

Amazon states this list changes as categories are added and does not cover every product with these requirements, so check Account Health for your specific ASINs.

Yes. Lithium battery products are named explicitly, including lithium batteries themselves, portable power supplies and power banks, electronic mobility devices and accessories, lithium battery powered home appliances, and lithium powered smart home and consumer electronics.

This category creates a particular problem. A significant part of the standard insurance market has carved lithium out entirely following thermal runaway fires and CPSC recalls, which means sellers with clean loss history are declined over the product class alone. Those risks are typically placed in the surplus lines market instead.

Yes. Dietary supplements, ingestible over the counter medication and ophthalmic drug products are all named, and the category definition also covers products for topical application, which brings skincare and cosmetic brands into scope.

Supplement policies are frequently written with ingredient specific exclusions or failure to warn carve outs that cause a certificate to fail review even though the limits look correct.

US based sellers choose their own broker and their own carrier. Amazon requires that you carry qualifying coverage and submit a certificate of insurance that meets the stated requirements. What Amazon reviews is what the certificate shows, not where you purchased the policy.

This matters most when a product is difficult to place. A pre approved panel of carriers has a defined appetite, and a product outside that appetite receives a decline with no next step. An independent broker moves to the next carrier and, where appropriate, into the surplus lines market.

There are two insurance markets. The admitted market operates with state filed rates and forms and a deliberately conservative underwriting appetite. The surplus lines market exists for risks the admitted market will not write, with more flexible underwriting, and it can only be accessed through a broker holding a surplus lines license.

High energy density lithium products, supplements with functional claims, CBD and hemp, adult and novelty products, and anything carrying recall or prior loss history are commonly placed in surplus lines. Many sellers interpret a decline as a verdict on their business when it is actually information about which market they were shopping in. Ashlin Hadden Insurance is licensed in both markets in all 50 states.

The most common reason by a wide margin is that products and completed operations coverage is missing. General liability alone covers premises liability, not the product you sold, and only one of those satisfies Amazon.

The next two most common are a named insured that does not match the legal entity on your Seller Central account exactly, and an exclusion buried in the endorsement pages for the specific product class you sell. Less commonly, the policy is written on a claims made form rather than per occurrence, or the general aggregate limit is missing or below $1,000,000.

Amazon states that listings in categories with enhanced safety listing requirements may be deactivated until compliant documentation is provided. Listings in other categories are not affected. This is a listing level action rather than an account suspension, and it is reversible once acceptable proof is submitted.

The practical risk is timing. If your notification arrives during the fourth quarter, your highest revenue listings can sit deactivated during your highest revenue weeks.

Yes, and it is not an account suspension. To move quickly you need three things: the affected ASIN or listing, your current certificate of insurance if you have one, and the rejection or deactivation message exactly as Amazon worded it, because the wording identifies which requirement failed.

Send those three items and we will identify the failure point and place coverage that satisfies the requirement.

In most cases yes. Each platform has its own certificate requirements, its own certificate holder language and its own submission process, but that does not require buying separate policies. One correctly written commercial general liability policy with products and completed operations coverage can satisfy multiple platforms, with the appropriate certificate holders and additional insureds added.

Sellers routinely buy a second or third policy they did not need because a platform requirement looked unfamiliar.

Pricing is driven by what you sell, your annual revenue, your claims and recall history, and which market the risk is placed in. A straightforward accessory in the admitted market and a high energy density lithium product placed in surplus lines are not comparable risks and will not price alike.

Anyone quoting a single number without knowing your product is guessing. Fill out one application and we will shop it properly.