Amazon Seller Product Liability Insurance

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Protect your Amazon business from suspension and liability claims. Meet Amazon's insurance requirements with confidence

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

AMAZON SELLER INSURANCE THAT PROTECTS YOUR BUSINESS

Why Amazon Seller Product Liability Insurance Matters

Amazon requires sellers to maintain product liability insurance when sales exceed certain thresholds or for specific product categories. Without proper insurance, your account faces suspension risk, and you remain personally liable for product defect claims, customer injuries, and FBA-related incidents. Insure24's Amazon seller product liability insurance ensures full compliance with Amazon's requirements while protecting your business from costly claims and account suspension.

Comprehensive Amazon Seller Coverage

Protect your Amazon business with insurance that meets all Amazon requirements and protects against seller-specific risks.

  • Product Liability Coverage - Protection against claims arising from product defects, customer injuries, or property damage caused by products you sell on Amazon.
  • Amazon Compliance - Insurance certificates that meet Amazon's specific requirements including minimum coverage limits and Amazon named as additional insured.
  • FBA Claims Protection - Coverage for claims arising from products stored and fulfilled through Amazon's FBA (Fulfillment by Amazon) program.
  • Legal Defence Costs - Coverage for legal fees, court costs, and defence expenses when facing product liability claims from Amazon customers.
  • Worldwide Coverage - Protection for sales to customers globally, meeting Amazon's requirements for international marketplace sellers.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Common Amazon Seller Risks

  • Product defect claims from customers
  • Customer injury or property damage
  • Amazon account suspension for non-compliance
  • FBA storage and fulfillment incidents
  • Product recall costs and liability
  • Counterfeit or intellectual property claims
  • Packaging and labeling issues
  • International marketplace claims
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Why Choose Insure24

  • Amazon Expertise - Our specialists understand Amazon's insurance requirements and can provide compliant certificates quickly.
  • Fast Certificate Delivery - Receive Amazon-compliant insurance certificates within 24-48 hours to avoid account suspension.
  • Competitive Pricing - Affordable premiums for comprehensive Amazon seller coverage without compromising on protection quality.
  • Dedicated Support - Expert guidance on Amazon compliance, claims process, and policy management for online sellers.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

How to Get Amazon Seller Product Liability Insurance

  • 1. Get a Quote - Provide details about your Amazon business, product categories, annual sales, and marketplace locations.
  • 2. Review Coverage - Our team explains Amazon's requirements and recommends appropriate coverage limits for your business.
  • 3. Customise Your Policy - Adjust coverage limits and add optional protections based on your specific product risks.
  • 4. Receive Certificate - Get your Amazon-compliant insurance certificate within 24-48 hours and upload to Seller Central.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW
Quote icon

When Amazon requested insurance proof, Insure24 provided a compliant certificate within 24 hours. Their understanding of Amazon's requirements saved my account from suspension

Emma T., Amazon FBA Seller

AMAZON SELLER INSURANCE
TAILORED FOR YOU 

PROTECT YOUR AMAZON BUSINESS

  • Amazon account suspension protection
  • Product liability and defect claims
  • Customer injury compensation
  • FBA fulfillment incident coverage
  • Legal defence and court costs
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Compliance & Amazon Requirements

Our Amazon seller product liability insurance policies meet all Amazon requirements including:

  • Minimum £1 million coverage limit (or higher as required)
  • Amazon named as additional insured on policy
  • Coverage for products sold on Amazon marketplaces
  • Worldwide coverage for international sales
  • Certificate format accepted by Amazon Seller Central
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

FREQUENTLY ASKED QUESTIONS

+-

What is Amazon seller product liability insurance?

Amazon seller product liability insurance is a specialized policy that protects Amazon sellers against claims arising from product defects, customer injuries, or property damage caused by products sold on Amazon. It meets Amazon's insurance requirements and protects your business from costly claims.

+-

When does Amazon require product liability insurance?

Amazon requires product liability insurance when your sales exceed £10,000 per month on Amazon.co.uk or when selling specific high-risk product categories. Amazon may also request insurance proof at any time as part of account verification or following customer complaints.

+-

What coverage limits does Amazon require?

Amazon typically requires minimum product liability coverage of £1 million per occurrence for UK sellers. Some product categories or high-volume sellers may require higher limits. Amazon must be named as an additional insured on the policy.

+-

Will my Amazon account be suspended without insurance?

Yes, Amazon can suspend your seller account if you fail to provide proof of insurance when requested. Account suspension prevents you from selling and accessing funds until compliant insurance is provided. Having insurance in place before Amazon requests it protects your account.

+-

How much does Amazon seller insurance cost?

Premiums vary based on product categories, annual sales volume, claims history, and coverage limits. Basic coverage typically starts from £300-£500 annually for small sellers. High-risk products or larger operations cost more. Contact us for a personalized quote.

+-

Does FBA require separate insurance?

No, product liability insurance covers both FBA and merchant-fulfilled orders. However, your policy must specifically cover products stored and fulfilled through Amazon's warehouses. Ensure your insurer understands you use FBA when obtaining coverage.

+-

What products are considered high-risk by Amazon?

High-risk categories include children's products, toys, electronics, beauty and cosmetics, food and supplements, medical devices, sporting goods, and any products that contact skin or are ingested. These categories often trigger insurance requirements regardless of sales volume.

+-

How quickly can I get an insurance certificate for Amazon?

We provide Amazon-compliant insurance certificates within 24-48 hours of policy purchase. If Amazon has requested insurance proof and your account is at risk, contact us immediately for expedited processing.

+-

What should my insurance certificate include for Amazon?

Your certificate must include your business name matching your Amazon account, minimum coverage limits, policy dates, Amazon named as additional insured, coverage for products sold on Amazon, and insurer contact information. We ensure all certificates meet Amazon's requirements.

+-

Does insurance cover claims from international Amazon marketplaces?

Yes, our Amazon seller insurance provides worldwide coverage for sales on all Amazon marketplaces including Amazon.com, Amazon.de, Amazon.fr, and others. This ensures compliance across all regions where you sell.

+-

What happens if a customer makes a product liability claim?

Contact your insurer immediately when a claim is made. Your insurance covers legal defence costs, investigation expenses, and compensation if you are found liable. Never admit liability or settle claims without consulting your insurer first.

+-

Does Amazon's A-to-Z Guarantee replace product liability insurance?

No, Amazon's A-to-Z Guarantee protects customers, not sellers. It does not replace product liability insurance. You remain personally liable for product defects and injuries, and Amazon requires separate insurance to protect your business.

+-

Can I get insurance if I'm a new Amazon seller?

Yes, we provide insurance for new Amazon sellers even without sales history. Starting with insurance from day one protects your business and ensures compliance as your sales grow. Premiums for new sellers are based on projected sales and product categories.

+-

Does insurance cover product recalls?

Standard product liability insurance covers claims arising from defective products but typically does not cover recall costs. Product recall insurance can be added as an optional extension to cover expenses of recalling and replacing defective products.

+-

What if I sell private label products on Amazon?

Private label sellers face higher liability risk as you are the brand owner and manufacturer of record. Product liability insurance is essential for private label sellers. Ensure your policy covers products manufactured overseas and imported for sale on Amazon.

+-

Does insurance cover counterfeit or intellectual property claims?

Standard product liability insurance does not cover intellectual property disputes or counterfeit claims. These require separate intellectual property insurance or legal expense insurance. Product liability covers physical injury and property damage from defective products.

+-

Can I get insurance if I dropship products?

Yes, dropshippers need product liability insurance as you are the seller of record on Amazon. Even though you don't handle products directly, you remain liable for defects and injuries. Inform your insurer that you dropship when obtaining coverage.

+-

What exclusions apply to Amazon seller insurance?

Common exclusions include intentional acts, known defects not disclosed, counterfeit products, intellectual property disputes, and products not approved for sale in the destination country. Policies also exclude claims from products sold before policy inception.

+-

How do I upload my insurance certificate to Amazon?

Log into Amazon Seller Central, navigate to Settings, select Account Info, then Insurance. Upload your certificate in PDF format. Amazon typically reviews and approves certificates within 24-48 hours. We provide certificates in the correct format for easy upload.

+-

Can I reduce my Amazon seller insurance premium?

Implementing quality control measures, sourcing from reputable suppliers, maintaining excellent customer service, and avoiding high-risk product categories reduces premiums. Higher deductibles also lower costs, though this increases your out-of-pocket expense for claims.

+-

What if Amazon rejects my insurance certificate?

Amazon may reject certificates that don't meet requirements (incorrect coverage limits, Amazon not named as additional insured, wrong business name, or expired dates). Contact us immediately if your certificate is rejected - we'll issue a corrected certificate within 24 hours to prevent account suspension.

+-

Does insurance cover Amazon Handmade sellers?

Yes, Amazon Handmade sellers need product liability insurance, especially for handmade items that could cause injury (jewelry, cosmetics, children's products, food items). Handmade sellers face the same insurance requirements as other Amazon sellers when sales thresholds are met.

+-

What if I sell on multiple platforms besides Amazon?

Your product liability insurance should cover sales across all platforms including eBay, your own website, and other marketplaces. Inform your insurer of all sales channels to ensure comprehensive coverage. Multi-platform coverage protects your entire e-commerce business.

+-

How often should I review my Amazon seller insurance?

Review your insurance annually at renewal, or whenever your business changes significantly (new product categories, increased sales volume, expanded marketplaces, private label launches). Regular reviews ensure your coverage limits remain adequate as your Amazon business grows and evolves.

Related Blogs

How Much Does Amazon Seller Insurance Cost?

How Much Does Amazon Seller Insurance Cost?

By Insure 24

How Much Does Amazon Seller Insurance Cost?

If you're selling on Amazon, understanding the costs associated with seller insurance is crucial for protecting your business and maintaining compliance with Amazon's requirements. Whether you're a new seller …

Continue Reading
Product Liability Insurance for Amazon FBA Sellers

Product Liability Insurance for Amazon FBA Sellers

By Insure 24

Product Liability Insurance for Amazon FBA Sellers

Introduction

Selling on Amazon through Fulfillment by Amazon (FBA) offers incredible opportunities for entrepreneurs and businesses to reach millions of customers worldwide. However, with this opportun…

Continue Reading
Complete Guide to Amazon Product Liability Insurance UK

Complete Guide to Amazon Product Liability Insurance UK

By Insure 24

Complete Guide to Amazon Product Liability Insurance UK

Selling on Amazon UK presents tremendous opportunities for businesses of all sizes, but it also comes with significant responsibilities. One of the most critical requirements for Amazon sellers is …

Continue Reading