Amazon Seller Insurance
With more than a decade of product liability experience, Insurance Canopy is here to help Amazon and e-commerce sellers succeed by providing you with the unique comprehensive coverage you need. Our Amazon seller insurance provides you with the high quality protection your products deserve at an affordable price.
Why Choose Insurance Canopy?
We Have A (Nearly) 5 Star Rating
Great company easy to work with, and they even sent me reminders about my renewal!!!! Thank you so so much
My first time using this Company I like the ease of navigating through the site.
Fast, easy, always there. As a mobile dj it’s important to me to have access to a cost friendly insurance option when needed. That’s exactly what you get! Great policy at a great rate. Thanks!!!
Very reliable and affordable insurance. Customer service is outstanding and hassle free when renewing.
I loved working with insurance canopy. Their customer service was so available and willing to answer my questions as a first time business owner. Great pricing, quick, and easy.
Product Liability Insurance For Online Sellers
For more than a decade, Insurance Canopy has insured thousands of businesses and products. We’ve customized our policies to meet the needs of online sellers, helping you access some of the best e-commerce business insurance you can find. From Etsy and Ebay, to Amazon and Jane, get protected on most online marketplaces with Insurance Canopy today.
Occurrence Based Policies
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Why Do Amazon Sellers Need Liability Insurance?
How Much Does Amazon Product Insurance Cost?
Higher risk products may require higher insurance limits.
Where you work and who you employ impact coverage needs.
The amount you sell reflects the amount of coverage you need.
Some retailers require certain insurance limits on your policy.
Past claims can put you at high risk and impact your limits.
What Are Amazon’s Seller Insurance Requirements?
General Liability Limits
The most your policy will pay for bodily injury and property damage claims, occurring during your coverage, as a result of your business operations.
The maximum amount your policy will pay during the policy term for claims of bodily injury and property damage as a result of your products or business operations conducted away from business’s premises—even after operations are completed.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
Applies to damage by fire to premises rented to you and to damage, regardless of cause, to premises (including contents) occupied by your business for 7 days or more for fire, 7 days or less for other types of covered damage.
A no-fault medical coverage that allows you to cover medical or funeral expenses for an individual up to the issued limit—without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
*Other limits available on underwriting approval
Questions About Amazon & Online Seller Insurance
What Is Amazon Seller Insurance?
Amazon seller insurance can help you defend yourself against costly third-party claims. Even with the most rigorous product testing, accidents can and will happen.
We can help you cover the cost of:
- Bodily harm, such as allergic reactions
- Property damage
- Legal fees and medical expenses
- Failure to provide warnings
- Injuries or damages from product defects
Yes, our policies meet the requirements for Fulfillment by Amazon (FBA) Sellers. We have structured our policies to meet Amazon Pro Merchant Sellers, which have the highest standards for sellers. This means all types of Amazon sellers may receive coverage with our Amazon small business insurance.
If you need to adjust your policy to meet needs specific to your business, our quotes process allows you to increase your limits or include additional coverage options. After submitting an application, you will be able to work with one of our experienced agents to customize your coverage.
FBA is a logistics service for Amazon sellers. A seller will still manage their own online storefronts on Amazon, and the marketing of their products, but Amazon handles the logistics of it. Your physical products are stored at Amazon fulfillment centers where they package, ship, and provide the customer service for your products.
Amazon’s insurance requirements apply to any business that operates within the US. Most insurance companies, including Insurance Canopy, will only offer insurance for Amazon sellers who are located in the US. We know this can be frustrating for sellers whose business is based outside of the US but they operate in the US marketplace.
We recommend you register your company in the US before applying for a policy. You can also contact insurance companies in your country.
The biggest difference between Amazon Pro Merchants and Individual Sellers are your gross sales amounts. Individual Sellers are typically just starting out and plan on selling 40 units or less of their products per month. Pro Merchants are generating $10,000 in sales and selling more than 40 units of products each month.
Amazon Pro Merchants are the only seller group currently required to have product liability insurance. However, Insurance Canopy still recommends Individual Sellers invest in insurance too. Those who are not insured may not be backed by Amazon and face paying for costly claims out of their own pocket—which can lead to product recalls, a halt in business operations, a damaged reputation, loss of business relationships, and more.
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Yes, Amazon says they will help pay for valid product liability claims against sellers as long as they are under $1,000. They will not require any reimbursement from sellers who hold valid insurance policies and abide by seller requirements. Claims will not affect sellers’ order defect rate, and Amazon will keep you informed throughout the entire claims process. Amazon says claims under $1,000 account for more than 80% of all product liability claims.
No matter how careful you are in conducting business, or how well tested your product is, accidents can and will happen. Insurance Canopy helps lower or eliminate the costs that come with product liability claims so you don’t have to pay thousands of dollars on your own. Amazon selling insurance is a smart investment for your small business!
Yes! Insurance Canopy offers product liability insurance for online sellers in other marketplaces, such as Etsy, Jane, and Ebay. You can get a free quote today to see how we can customize your coverage based on your e-commerce needs.
Need additional information before making a decision?
Give our team a call today at 888.600.0894