Amazon Seller Insurance Requirements and Documents
Amazon Sellers Appeal, operated by ASA Compliance Group and led by Or Shamosh, has reinstated 5,600+* Amazon seller accounts and ASINs since 2016.
We handle account suspensions, listing appeals and compliance cases, from the first review through submissions and follow‑ups.
Compare Amazon’s insurance request with the policy and certificate issued for your business. Review the named entity, coverage details, and required wording before submitting documents or requesting a correction from the insurer.
Use this guide to organize the Amazon request and your evidence. Your insurer or broker should confirm the coverage, policy terms and any amendments.
When Amazon.com requires seller insurance
Amazon’s US guidance requires qualifying liability coverage within 30 days after monthly gross sales exceed $10,000, or when Amazon requests it. The sales threshold is not a reason to ignore a separate insurance request. Check the marketplace, products and deadline stated in your account.
Upcoming change, effective November 2, 2026: Amazon announced that products in categories with enhanced safety listing requirements will need the specified coverage even below the sales threshold. It also announced an Amazon Insurance Accelerator requirement for sellers based in Mainland China, with a transition for qualifying third-party policies submitted before that date.
Read Amazon’s announcement and our November 2026 insurance update for the affected categories and transition. Do not apply a US threshold or policy wording automatically to another marketplace.
Compare the core US requirements
Amazon’s guidance lists commercial general, umbrella, or excess liability coverage, normally on an occurrence basis; at least $1 million per occurrence and aggregate; a deductible no higher than $10,000; and coverage for all Amazon.com product sales. It also addresses additional-insured status, insurer rating and claims handling, signatures, and notice of cancellation or changes. Category exceptions and local rules require review.
Ask the insurer to use the exact current additional-insured wording shown by Amazon, including “Amazon.com Services LLC and its affiliates and assignees” for the cited US requirement. Verify the necessary endorsement, not just the certificate entry. Check the applicable naming rules where your legal entity and trading name differ.
Review the certificate before uploading
- Named insured: compare the business identity with the account and the policy.
- Policy dates: confirm coverage is active and meets the remaining-validity requirement shown in the current upload process.
- Limits and deductible: ensure the certificate clearly identifies the requested information.
- Coverage scope: have the broker confirm the relevant products, territories, and operations.
- Additional insured: check the wording and supporting endorsement.
- Issuer and signature: obtain a complete, legible document issued by the insurer or authorized broker.
Example: The store name is “Northfield Home,” but the policy names a different company from the entity operating the seller account. Ask the broker to investigate the correct insured and any permitted trading-name treatment. Do not edit the PDF yourself or change Seller Central solely to make the two fields look alike.
Submit the certificate and verify the result
- Open the Business Insurance area in Seller Central or the submission route specified in Amazon’s request.
- Upload the complete certificate issued by the insurer or authorized broker, along with any requested endorsement or supporting document.
- Keep the submitted files, confirmation and case reference. Check the review result instead of treating an upload as approval.
- If rejected, compare the stated reason with the actual policy and certificate. Ask the issuer to correct an error or clarify the relevant coverage, then answer the specific point in the resubmission.
Choosing a provider and assessing the cost
Ask for a quote based on your products, sales, territories, limits, exclusions and claims history. A low advertised premium does not establish that the policy meets Amazon’s requirements or covers your business. There is no single price or guaranteed approval time that fits every seller.
Review the current Amazon Insurance Accelerator options and any provider restrictions that apply to your location. Confirm the coverage with the insurer or broker rather than relying on an old list of recommended companies.
If an insurance request remains unresolved
Record Amazon’s message, deadline and current account or listing status. An insurance-document rejection is not automatically an account suspension, and correcting a certificate does not guarantee that a separate restriction is resolved. Follow the applicable request and verify the outcome.
For an existing claim, obtain prompt advice from your insurer or broker. For an Amazon document rejection or related enforcement case, share the request, submitted evidence and responses so the appropriate next step can be assessed.
Primary references: Amazon’s current insurance requirements (sign-in may be required), Amazon’s US insurance guidance, and the linked November 2026 announcement.
Amazon has rejected your insurance evidence?
Share the request, the rejection reason and which policy details are in question. We can assess the Amazon compliance response; your broker or insurer should correct or confirm the coverage itself.