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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Super fast and easy to set up. Very reasonably priced.
Rachel Miller
February 6, 2023Very easy process. Stefani stayed on the phone and walked me through the process. Took about 5 minutes and my group was insured. Excellent service.
Robert Stewart
June 26, 2022Easy peezy
Tom Razin
September 26, 2022 -
Very easy to obtain a policy
John Faughey
December 6, 2022I'm excited excellent price
Edgar roberto Lobos
February 20, 2023It was easy to fill the forms out online and all the information
Melissa Prado
August 26, 2022 -
Great service
lamonte hatch
August 26, 2022It was a very easy experience.
Pamela Burton
February 13, 2023The only company I use for event insurance! The best!
Susie Shortt
October 5, 2022 -
It didn’t start out so smooth but Jamal was helpful getting my additional insured added
Grog
June 12, 2023Easy to set up And good price! I did shop around and found this company took me 20 minutes to get everything done ...got a custome made Liquor Liability insurance... Read More
Carlos Aguirre
June 26, 2022The lady patiently help me out through the proces. I think her name is Stephanie. She stayed on the phone until I was done. My whole hearted thanks to... Read More
Robert Lesaca
July 26, 2022 -
Simple and easy on line process and I saved money compared to a large nationally known insurer
Bill Ladwig
January 6, 2023Great site to work with.
Patti Lee
June 5, 2023I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More
Ed B.
May 29, 2023 -
Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment. ???
Mike Cruz
October 12, 2022Easy purchase… very clear description of service and options.
Apex Entertainment Group Chris Stout
June 21, 2023Your insurance provisions work perfectly for me. No overhead or long term contracts and I'm able to pass along the cost to my clients. Thanks!?
Gary Morton
July 26, 2022 -
So far, so good.
Jeff Nelson
December 6, 2022Easy. Quick. Responsive on chat.
Me
May 29, 2023Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More
Todd McCabe
March 3, 2023 -
Very easy to quote and bind! Excellent price for the coverage.
Matt Forneris
August 26, 2022Insurance Canopy has given us piece of mind to conduct our business and know that it, as well as, our clients are protected. The ease of accessing any policy documents... Read More
It’s About 2 Go Down Entertainment
June 21, 2023Quick and painless way to get insured
Jay Foster
February 20, 2023 -
I got the coverage I needed. The coverage wasn’t extravagant in price and I was able to add an additional insured. Thanks for the great service.
ShoMoDjs DJ and Audio Visual Services
January 6, 2023Fast Great Reasonable Coverage Price!!!! Very helpful to all who needs insurance right away and to any type of business who has to comply with proof of insurance. it's... Read More
John Togado
December 6, 2022Easy to follow instructions on establishing my DJ liability insurance. Pricing was the best I've found to suit my needs.
Judy Carter
September 26, 2022 -
Sarah was outstanding!!! Wonderful customer service with a smile and a laugh!! Doesn’t get any better than that!
Darci Menard
February 6, 2023They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
Roberto Olivares
September 26, 2022Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
Carlos Navarro
September 26, 2022
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Quick and painless way to get insured
Jay Foster
February 20, 2023 -
So far this company has been great. Answered my questions promptly and got a quote promptly.
Natalie Thompson
October 12, 2022 -
Easy to follow instructions on establishing my DJ liability insurance. Pricing was the best I've found to suit my needs.
Judy Carter
September 26, 2022 -
So far, so good.
Jeff Nelson
December 6, 2022 -
It has been great working with Insurance Canopy and especially Faith Ortiz. A+++
ND3423
May 26, 2023 -
Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
Carlos Navarro
September 26, 2022 -
Chat rep was knowledgeable and professional and website was easy to navigate and apply for business insurance.
Matt R
July 26, 2022 -
Very easy to obtain a policy
John Faughey
December 6, 2022 -
They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
Roberto Olivares
September 26, 2022 -
Easy to use and reasonably priced
Doug Mickan
June 19, 2023
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?
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
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