How to Get Amazon Seller Insurance in 2025 (Complete Guide for Global Sellers)
- BAHAR KIRAN TERZİ
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Introduction
As of Amazon’s latest policy updates, liability insurance is mandatory for many professional sellers. If you're earning over $10,000 in monthly sales or enrolled in Amazon’s Professional Selling Plan, you must provide proof of valid commercial general liability insurance.
In this guide, you’ll learn:
What Amazon seller insurance is
Who needs it
What it must cover
How to get it (step by step)
Approved providers and average costs
How to upload your Certificate of Insurance (COI) to Amazon
What Is Amazon Seller Insurance?
Amazon seller insurance is a type of commercial liability insurance that protects you and Amazon against claims like:
Property damage
Bodily injury caused by your product
Product malfunction or defect
Legal defense and compensation
It’s not optional for most professional sellers — especially those with growing revenue or selling physical products.
Who Is Required to Have Insurance?
Amazon requires insurance if:
You are on the Professional Selling Plan
Your gross sales exceed $10,000/month (in any 3-month period)
You sell physical products that may cause harm or damage
You use Fulfilled by Amazon (FBA) or ship your own inventory
Amazon’s Minimum Insurance Requirements
According to Amazon’s policy, your insurance must:
Requirement | Details |
Coverage amount | At least $1 million USD per occurrence |
Type of policy | Commercial General Liability (CGL) or Product Liability Insurance |
Additional insured | Name “Amazon.com Services LLC and its affiliates” as additional insured |
Coverage area | Must cover all products sold on Amazon |
Issued by | A provider with a financial rating of A- or better |
Certificate format | Must include your legal name, business address, and Amazon store name |
How to Get Amazon Seller Insurance (Step-by-Step)
Step 1: Gather Your Business Details
You’ll need:
Business name and registration number
Estimated monthly revenue
Type of products you sell
Countries you sell in
Amazon store link
Step 2: Contact Amazon-Approved Insurance Providers
👉 You can also search within Amazon's Service Provider Network (SPN):
Step 3: Compare Quotes and Choose Coverage
Make sure your policy includes:
General liability
Product liability
Personal injury
Legal defense fees
Amazon listed as “additional insured”
💡 Tip: Choose annual coverage to get better pricing than month-to-month.
Step 4: Get Your Certificate of Insurance (COI)
The COI (Certificate of Insurance) must:
Include all required Amazon details
Be in English (if selling on Amazon.com)
Be uploaded through Seller Central
Step 5: Upload the COI to Amazon
Log in to Seller Central
Go to Settings → Account Info → Business Insurance
Click “Upload Certificate”
Submit your COI in PDF format
Wait for Amazon approval (usually 24–72 hours)
How Much Does Amazon Seller Insurance Cost?
Business Type | Estimated Annual Premium |
U.S. Sole Proprietor | $350 – $600/year |
UK/EU Private Limited Co. | £300 – £800/year |
International FBA Seller | $500 – $1,200/year |
High-risk product sellers | $1,500+/year |
💡 Prices vary depending on:
Product category (toys, food, beauty = higher risk)
Revenue volume
Claim history
Business structure (LLC, LTD, sole trader, etc.)
What Happens If You Don’t Provide Insurance?
❌ Failure to comply can lead to:
Account suspension
Listing removal
Blocked disbursements
Policy violation warnings
Even if you’re not over the $10,000 threshold yet, Amazon may still request proof if you're selling high-risk items or using FBA.
Is It Mandatory for All Sellers?
Seller Type | Insurance Required? |
Individual Plan Sellers | ❌ No (unless requested by Amazon) |
Pro Plan Sellers under $10k/mo | ⚠️ Sometimes, especially for risky categories |
Pro Plan over $10k/mo | ✅ Yes |
FBA Sellers (any size) | ✅ Highly recommended |
Final Thoughts
Amazon seller insurance isn’t just a compliance box — it’s a vital safety net that protects your business from financial disaster.
Whether you’re just starting or scaling to six figures, having the right coverage ensures peace of mind and long-term seller account security.
Don’t wait for a claim or Amazon warning. Get insured, upload your COI, and keep selling with confidence in 2025.
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