Legal entity mismatch between the policy and Seller Central
Amazon seller insurance
Amazon Seller Insurance Requirements After $10K in Sales
Commercial liability and product-liability help for sellers who received an insurance request from Amazon Seller Central.
Why Amazon may be asking
Why Amazon may be asking for insurance
Amazon may require commercial liability insurance after a seller exceeds $10,000 in gross proceeds in one month. Amazon can also request proof of insurance separately, even if you have not crossed that threshold yet. The notice usually comes through Seller Central and asks for a certificate that meets Amazon’s stated requirements.
This applies to sellers on Amazon.com broadly — including those who use Fulfillment by Amazon and those who fulfill orders themselves. The question is usually about the coverage and certificate, not about a single fulfillment method.
Policy and certificate review
What the policy may need to show
Amazon’s published requirements describe several items that often need to appear on the underlying policy and the certificate of insurance. Use this as a review checklist — not a guarantee that every item will apply the same way in every situation.
- Commercial general liability, umbrella, or excess liability
- At least $1 million per occurrence and aggregate
- Occurrence-based coverage
- Products/completed operations coverage
- Coverage for products sold on Amazon.com
- Deductible not greater than $10,000 if applicable
- Amazon.com Services LLC and affiliates/assignees as additional insured
- Insured name matching the Seller Central legal entity
- Carrier rating and claims-handling requirements where applicable
Certificate mismatches
Why Amazon seller COIs get questioned or rejected
Many sellers already have a business policy when the notice arrives. The certificate still gets questioned when the details do not line up with Amazon’s requirements or with what is shown in Seller Central.
DBA or store name that does not match the insured on the certificate
Missing additional insured wording for Amazon
No clear products/completed operations coverage
Product category not disclosed correctly on the application
Imported or private-label products not underwritten correctly
Certificate that does not clearly reflect Amazon-related sales exposure
Product exposure
Product categories that may need extra review
What you sell affects how carriers underwrite product liability. Some categories are routinely straightforward; others need closer review before a policy and certificate are ready to submit.
Generally simpler
- Apparel
- Stationery
- Home goods
- Low-risk accessories
- Simple resale products from known suppliers
Needs closer review
- Electronics or batteries
- Children’s products
- Cosmetics, skin products, supplements, or ingestibles
- Medical, therapeutic, flammable, or safety-critical products
- Private-label imports
- Dropshipping or frequently changing catalogs
How Redoubt can help
How Redoubt can help
- We can review the situation with you
- Help identify the likely insurance requirement
- Help compare the stated Amazon requirements against your current policy or new quote options
- Help think through product liability and entity-name issues before submission
Amazon seller insurance intake
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Why are you reaching out about Amazon insurance?
Frequently asked questions
Amazon seller insurance FAQ
Do Amazon sellers need insurance after crossing $10,000 in sales?+
Amazon may require commercial liability insurance after a seller exceeds $10,000 in gross proceeds in one month, or if Amazon separately requests proof of insurance. The requirement is tied to Seller Central activity, not only to how you fulfill orders.
Does this only apply to FBA sellers?+
No. The insurance request is tied to selling on Amazon.com and the threshold or a direct request from Amazon, not only to Fulfillment by Amazon. Some FBA sellers receive the notice, but merchant-fulfilled sellers can too.
What name should be on the policy?+
The insured name on the policy and certificate should match the legal entity shown in Seller Central. If you operate under a DBA or store name, the legal entity still needs to line up with what Amazon expects to see.
Does Amazon need to be listed as additional insured?+
Amazon’s stated requirements typically ask for Amazon.com Services LLC and its affiliates and assignees to be listed as additional insured. The exact wording on the certificate matters, and missing or incorrect language is a common reason certificates get questioned.
Is product liability included in general liability?+
Products/completed operations coverage is often part of a commercial general liability policy, but the details matter. Amazon’s requirements specifically call out product-related exposure for items sold on Amazon.com, so the certificate and underlying policy need to reflect that clearly.
Can my existing business policy work?+
Sometimes. An existing commercial policy may already meet many of the requirements, but the limits, additional insured wording, insured name, and product exposure still need to be checked against what Amazon asks for. A policy written for a different type of business may not fit without changes.
What products are harder to insure?+
Electronics, children’s products, ingestibles, cosmetics, medical or safety-critical items, private-label imports, and catalogs that change frequently often need closer underwriting review. Simple resale of low-risk goods from known suppliers is usually more straightforward.
Can Redoubt guarantee Amazon will accept my COI?+
No. Redoubt can help check your situation against Amazon’s stated requirements and help correct obvious issues, but Amazon controls its own review process. Acceptance is never guaranteed.