Amazon Seller Insurance
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- Meet Amazon’s liability insurance requirements
- Help protect against product-related injuries and lawsuits
- Let your coverage grow with you at every stage
What Is Product Liability Insurance for Amazon Sellers?
Amazon seller insurance is a type of product business insurance built to protect sellers from claims and lawsuits arising from the products they sell and keep them compliant with Amazon’s insurance requirements.
Once your store earns $10,000 or more in a one-month period, Amazon requires you to carry product liability insurance. Insurance Canopy offers coverage in a single, simple policy that helps you fulfill these Amazon seller insurance requirements (which, when ignored, are the most common reasons Certificates of Insurance (COIs) are denied by Amazon). Amazon’s requirements for sellers include:
- Minimum $1 million per occurrence and $1 million aggregate policy limits
- Include general liability, product liability, and occurrence form coverage
- Be issued by an insurance provider rated A- or better
- List “Amazon.com Services LLC., and its affiliates and assignees” as an additional insured on your policy
- Deductibles cannot exceed $10,000, and all deductibles must be listed on your policy documents
- The insured name on your policy must match the legal entity name you provide to Amazon
- The insurance provider must give Amazon at least a 30-day notice for any cancellation, modification, or nonrenewal of your policy
- Policy must be valid for at least 60 days from the date of submission, signed by you, and completed in its entirety
With these requirements in mind, every Insurance Canopy Amazon liability insurance policy is designed to fit your operation, whether you resell, dropship, private label, or manufacture your products.
Who Needs Amazon Seller Insurance?
You need Amazon business insurance if you’re selling physical products on Amazon, especially if you’re hitting $10,000 per month or more in sales. Specific types of sellers who should consider online retailer insurance include:
- Amazon Handmade Sellers
- FBA (Fulfilled by Amazon) & FBM (Fulfilled by Merchant) Stores
- Ecommerce Businesses
- White-Label Sellers
- Private-Label Product Sellers
- Product Manufacturers
- Indie Brands
- Third-Party Fulfillment Centers
- Multi-Marketplace Sellers (including Etsy, eBay, and Shopify)
Dig deeper: Our guide to Amazon insurance requirements details common product liability risks online sellers face and why Amazon requires proof of insurance.
Why Do Amazon Sellers Need Insurance?
Amazon may host your storefront, but you’re still responsible for what you sell. Carrying the right liability insurance can help prevent a claim from becoming a crisis.
To protect themselves and their customers, Amazon requires you to carry product liability insurance if you reach $10,000 in gross sales during a one-month period. Once you reach that threshold, you have 30 days to secure insurance that fulfills Amazon’s terms.
Amazon seller insurance from Insurance Canopy was designed with Amazon’s requirements in mind, so you can quickly and easily provide proof of insurance and stay open for business. Each policy is tailored to your specific needs, and custom quotes typically arrive within 24 hours.
Did You Know? Accidents happen! If a product you sell causes harm, you could still be sued, even if it wasn’t your fault. Amazon seller liability insurance is designed to help cover these claims.
How Much Does Amazon Seller Insurance Cost?
Most sellers pay an average of $116/month or less for Amazon seller insurance from Insurance Canopy.
The price of your Amazon seller liability insurance depends on a few key factors:
- Revenue: Higher monthly sales can increase your risks and premiums
- Product type: Riskier categories (like supplements, tools, or electronics) may cost more to insure
- Claims history: Previous product issues or lawsuits can raise your premium
- Desired coverage limits: Like any upgrade, increasing limits or adding extra coverage comes with additional costs
- Fulfillment method: FBA, FBM, and third-party warehousing all affect your liability
Every policy is personalized to your unique business, so you only pay for the coverage you actually need.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Get custom coverage for your online business with a fast application, quick turnaround, and licensed support whenever you need it.
Amazon Seller Insurance for Small Businesses
Insurance Canopy offers core product business insurance and customizable add-ons to meet your specific needs. Our Amazon business insurance includes general liability and product liability insurance, with up to $1 million in coverage per claim and $2 million total per policy year.
Looking for extra protection? Our licensed agents can help you customize your plan with higher limits and add-on coverages tailored to your business model.
Included
General Liability Insurance
General liability insurance is built to cover third-party injury or damage claims that are not directly caused by your products, like if someone trips in your booth at a craft fair. It also helps with legal costs if you’re ever accused of advertising injury, like copyright infringement.
Products & Completed Operations Insurance
Product liability insurance is designed to protect you from claims related to the products you sell, even if you use factory-made or vintage components. If a customer claims damages caused by something you sold, this coverage can help pay for legal defense, medical bills, and settlements.
Recommended Optional Add-On Coverages
- Product recall insurance: Helps you act fast if something needs to be pulled from the market
- Commercial property insurance: Can protect the space and tools you rely on for operations
- Workers compensation insurance: Designed to cover medical bills, lost wages, and recovery costs if someone’s hurt on the job — legally required in most states if your business has employees, even if they’re part-time
- Inland marine insurance: Helps protect tools, displays, and inventory while on the move or at craft shows and events
- Cyber liability insurance: Helps cover the fallout from cyberattacks and data breaches
- Errors and Omissions (E&O) insurance: Can protect your business if a product recommendation, advice, or service mistake costs a client money
- Amendment of Coverage Territory endorsement: Can extend coverage worldwide for claims outside the U.S., which helps if your products sell internationally or reach overseas customers
- Primary & non-contributory endorsement: Ensures your policy pays first on a claim, before anyone else’s — often required when other businesses want your coverage to apply before theirs
- Waiver of subrogation: Commonly requested to keep business relationships smooth, it stops your insurer from pursuing a third party to recover claim costs
- 30-Day cancellation notice: Notifies a third party, usually an additional insured, that your policy will be canceled within 30 days
Amazon-approved insurance, no guesswork required.
- Apply online in 10 minutes or less
- Enjoy A+ rated coverage
- Access your online dashboard 24/7 to download your certificate of insurance or add additional insureds
FAQs About Insurance for Amazon Sellers
Does Amazon Require Sellers to Have Insurance?
Yes, Amazon requires product liability insurance if your store earns $10,000 or more in a one-month period or if Amazon specifically asks for proof of insurance.
What Does Product Liability Insurance for Amazon Sellers Cover?
Product liability insurance for Amazon sellers is designed to cover:
- Legal fees
- Medical costs
- Settlements
It’s protection if a product you sell causes injury or property damage, even if you didn’t manufacture it.
Can I Use the Same Policy If I Also Sell on Etsy, eBay, or Shopify?
Yes, you can use this insurance if you also sell on Etsy, eBay, Shopify, or another marketplace. Your policy can extend coverage to your entire ecommerce business, even if you sell on multiple platforms.
Can Amazon Suspend My Account If I Don’t Have Insurance?
Yes; per Amazon’s Business Solutions Agreement, if you miss their deadline to upload a valid Certificate of Insurance (COI), they may deactivate your listings, freeze your payouts, or suspend your account.
How Fast Can I Get My COI for Amazon?
In most cases, you can get your Certificate of Insurance (COI) to sell on Amazon within 24 hours of applying for a quote with Insurance Canopy.
We help you get compliant and back to business quickly!
Note: Our guide to product liability insurance answers more FAQs about product liability coverage and cost.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
Standard product liability insurance policies typically limit coverage to the U.S., Puerto Rico,
Product liability lawsuits happen when a product causes bodily injury or property damage,
When you sell a product, you’re also taking on responsibility for what happens