Amazon Seller Insurance Policies and More

At minimum, every ecommerce business needs general liability with Products and Completed Operations included. Brand owners, manufacturers, and formulators also need standalone product liability with recall, cyber liability for data breaches, inventory or stock-throughput coverage, and workers comp once they hire employees.

Sellers warehousing inventory in a 3PL also need 3PL warehouse coverage, and businesses moving goods need cargo insurance. Use the decision guide above to identify the right combination for your operating profile.

Amazon requires $1,000,000 per occurrence in commercial general liability with Products and Completed Operations included, and Amazon listed as Additional Insured on the Certificate of Insurance.

That is the platform minimum. Most sellers we insure carry $2M occurrence / $4M aggregate or higher because real exposure scales with sales velocity, retailer requirements, and product class — not Amazon’s floor.

For a typical Amazon FBA or Shopify seller, the Amazon Insurance Accelerator policy starts at $20–$50/month for $1,000,000 of General Liability AND Product Liability.

Brand owners, manufacturers, and formulators with regulated products (supplements, beauty, baby, pet, ingestibles) scale with revenue, recall risk, FDA cGMP status, and required limits. These are starting prices; this is not a guarantee. Each policy is individually underwritten.

Yes. Walmart Marketplace, Target Plus, Costco, Sam’s Club, TikTok Shop, Wayfair, Home Depot, Lowe’s, Chewy, Tractor Supply, Nordstrom, Sally Beauty, Ace Hardware, Hot Topic, Etsy, eBay, and Shopify all have their own Certificate of Insurance requirements.

Walmart and Costco often require $5,000,000 or higher product liability with the retailer listed as Additional Insured plus waiver of subrogation. We maintain compliance guides and downloadable sample COIs for each platform.

Generic small-business carriers underwrite for low-risk classes. They:

• Cap limits at $1M/$2M — insufficient for Costco, Target, Walmart, Sam’s Club vendor programs
• Exclude or sub-limit recall expense to $25K–$50K
• Decline supplements, beauty, baby, pet ingestibles, CBD
• Lack regulatory fluency (FDA cGMP, MoCRA, NSF/ANSI 455, AAFCO, CPSIA)

Specialty ecommerce markets exist precisely to underwrite these classes properly, deliver retailer-grade limits, and issue Amazon-spec COIs the same day.

The Amazon Insurance Accelerator is a starter policy priced at $20–$50 per month delivering $1MM of General Liability AND Product Liability for sellers who just need to clear Amazon’s compliance requirement quickly.

It comes in three tiers: Private Label, Resellers, and Wholesale. Most brand owners outgrow the Accelerator product within their first year and graduate into a full ecommerce program with higher limits, recall, cyber, and inventory coverage.

Yes. We package general liability, product liability, recall, cyber, inland marine inventory, errors and omissions, and umbrella into one ecommerce program for brand owners, manufacturers, and formulators.

Bundling typically delivers lower combined premium, easier COI issuance, single renewal, and one underwriter relationship. We tailor the bundle to your product class (supplements, beauty, baby, pet, ingestibles, food, apparel, electronics) and revenue tier.