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
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Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More so now they are organized, eager to please, and polite. They merit 5 stars now! Thank you.
Angela Fischetti
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More me when my policy is gong to expire. In addition, their costs are fair and reasonable.
susanf
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael” Jobe
April 8, 2024 -
Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More the request came in on our first purchase of many.
Robert Caudle
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More processing fees. That was not the case with Insurance Canopy and prompted me to buy all the protection I need at a great price. Thank you for the easily navigated website as well.
Lucia Boroczk
April 4, 2024 -
Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024 -
Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More good and you can bind a policy in minutes. My band is called Collective Vibes Duo and you can find us on all the social channels under that name
Patrick McElhaney
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024 -
I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.
Herman Hildo
March 25, 2024I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff
Darron Hines
March 25, 2024 -
Super friendly service..
Kristina Strong
March 25, 2024I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More The process ended up being very easy and the competitive pricing was the whip cream on top.
Greg Hoover
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Great service, affordable insurance, easy to work with.
Roland Cache
March 18, 2024The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.
susan fletcher
March 11, 2024Fast procedure with clear price options. Did everything in less than 5 minutes
Ron Geraci
March 11, 2024
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Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More so now they are organized, eager to please, and polite. They merit 5 stars now! Thank you.
Angela Fischetti
July 12, 2024 -
Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More me when my policy is gong to expire. In addition, their costs are fair and reasonable.
susanf
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024 -
quick and easy to sign up and did not break the bank!!
Michael “Michael” Jobe
April 8, 2024 -
Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More the request came in on our first purchase of many.
Robert Caudle
April 7, 2024
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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With our streamlined application, you can apply for a quote in 10 minutes or less.
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Why Do Amazon Sellers Need Liability Insurance?
How Much Does Amazon Product Insurance Cost?
Industry
Higher risk products may require higher insurance limits.
Business Size
Where you work and who you employ impact coverage needs.
Revenue
The amount you sell reflects the amount of coverage you need.
Limits
Some retailers require certain insurance limits on your policy.
Claims History
Past claims can put you at high risk and impact your limits.
What Are Amazon’s Seller Insurance Requirements?
- 1. Show proof of insurance
- 2. Provide an original Certificate of Insurance document completed in its entirety and signed
- 3. Have a policy with a general liability limit of at least $1 million dollars, is written on an occurrence basis, cover all sales from products you have listed on the Amazon website, and includes product liability insurance (bodily injury and property damage), personal injury insurance, and any other requirements outlined in the Participation Agreement
- 4. Name “Amazon.com Services LLC., and its affiliates and assignees” as additional insureds
- 5. Have a valid policy for at least 60 days from the date of submission, and your provider must give Amazon a minimum of 30 days’ notice of cancellation, modification, or nonrenewal
- 6. Verify your insured name matches the “legal entity” name you provide to Amazon
- 7. Be sure your insurance provider has global claim handling capability and a financial rating of S&P A- and/or AM Best A- or better
- 8. Ensure the deductible for any policy must not be greater than $10,000 and any deductible amount is listed on the Certificate Of Insurance
Coverage Details
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.
$2,000,000
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.
$2,000,000*
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
$1,000,000
The maximum amount paid per incident during the term of the policy.
$1,000,000*
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.
$300,000
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.
$5,000
This is the amount we deduct from a claim before paying up to your policy limits
$2,500
*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.
Start An Amazon Insurance Quote
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