Amazon is expanding its commercial liability insurance requirements for Amazon.com sellers effective November 2, 2026. The update adds a product-category trigger alongside the existing sales-based requirement, according to Amazon’s official announcement.
What Sellers Should Complete Before November 2
Use the lead time to make three checks:
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Review the catalog: Compare existing listings and planned launches with Amazon’s enhanced safety categories and product-specific Account Health notices.
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Confirm coverage: Ask your insurance provider to verify covered products, exclusions, coverage limits, and expiration dates against Amazon’s requirements.
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Assign documentation ownership: Identify who will submit the certificate, monitor verification, and manage renewals. Mainland China sellers should also confirm their transition to Amazon Insurance Accelerator.
Prioritize products scheduled for holiday promotions. An unresolved requirement could complicate listing availability when inventory and marketing commitments are already in place.
For established brands already carrying insurance, the immediate question is whether that coverage includes the products they currently sell and plan to launch.
Product Categories Will Trigger Insurance Requirements Regardless of Sales
Under the existing rule, sellers must obtain and maintain qualifying coverage within 30 days after gross proceeds from Amazon.com sales exceed $10,000 in any month. That requirement remains in place.
The new requirement applies to sellers with products in categories subject to enhanced safety listing requirements, covering both new and existing listings. Amazon names children’s products, cosmetic and ingestible products, and lithium battery products as examples, but the list is not exhaustive.
For affected sellers, staying below $10,000 in monthly sales will no longer remove the insurance obligation. The policy must cover the relevant products and meet both minimum coverage limits.
Mainland China Sellers Face a Separate Insurance Sourcing Rule
Beginning November 2, sellers based in Mainland China must obtain their insurance through Amazon Insurance Accelerator, which connects sellers with pre-vetted insurers. Amazon says it will reject newly submitted policies from these sellers if they were obtained outside the program.
There is a transition exception: a valid third-party policy that meets Amazon’s coverage requirements and was submitted before November 2 can remain in use until it expires. After expiration, replacement coverage must come through the program.
This requirement concerns where the seller is based. Amazon’s announcement does not describe it as a rule for every brand sourcing products from Chinese manufacturers.
Existing Coverage Needs a Product-Level Review
For established brands already carrying insurance, the practical question is whether the policy covers the products they currently sell and plan to launch.
Brands selling beauty products on Amazon should include coverage reviews alongside their category approval, labeling, and listing compliance checks. A business expanding from topical products into supplements or battery-powered devices should ask its broker to review the actual product mix and exclusions.
Having a certificate on file does not, by itself, establish that every new product is covered.
Various analyses also highlight the need to check Account Health for product-specific requirements and prepare a Certificate of Insurance for Amazon’s verification process. It notes that enhanced safety requirements can involve testing as well as insurance.
For brands entering ingestible categories, beBOLD Digital’s guide to selling supplements on Amazon provides additional context on category requirements and launch preparation.
For marketplace teams, this makes insurance review part of launch preparation. Coverage questions should be resolved while inventory and promotional plans can still be adjusted.
beBOLD Digital’s Take: Connect Compliance With Launch Planning
beBOLD Digital recommends keeping coverage status, product compliance tasks, and promotional readiness in the same operating review. Finance may manage the policy, but marketplace teams need visibility into anything that could affect a launch or an existing listing.
For support coordinating account health, listing management, and promotional planning, explore beBOLD Digital’s Amazon account management services.
Source:
Amazon Seller Central: New Commercial Liability Insurance Requirements Effective November 2, 2026
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