Amazon Expands Insurance Requirements for High-Risk Categories
From November 2, 2026, Amazon will expand commercial liability insurance requirements for high-safety-risk categories; sellers in mainland China must obtain new policies through AIA.
What are the key facts?
- 1High-safety-risk categories must maintain commercial liability insurance even when monthly sales do not exceed $10,000
- 2Minimum coverage is $1 million per occurrence and $1 million in aggregate
- 3New requirements take effect on November 2, 2026
- 4New policies submitted by sellers in mainland China must be obtained through AIA
- 5Existing valid third-party policies may be used until expiration, but renewals must move to AIA
What happened?
Amazon has updated its seller policy to expand commercial liability insurance requirements for categories with enhanced safety listing requirements. From November 2, 2026, sellers of children’s products, cosmetics, edible or ingestible products, lithium battery products, and other covered categories must maintain commercial liability insurance even if their monthly sales do not exceed $10,000. The minimum coverage is $1 million per occurrence and $1 million in aggregate.
Previously, the general rule required sellers to obtain insurance within 30 days after monthly sales on Amazon.com exceeded $10,000. At the same time, beginning November 2, new insurance policies submitted by sellers located in mainland China must be obtained through Amazon Insurance Accelerator (AIA).
Previously submitted third-party policies that remain valid may be used until expiration, but renewals must be moved to AIA unless Amazon provides written consent. The policy change affects sellers of baby and maternity products, beauty products, health foods, food-contact products, powered products, and sellers based in mainland China.
What does this mean for cross-border sellers?
From November 2, 2026, sellers of children’s products, cosmetics, edible or ingestible products, lithium battery products, and other high-safety-risk products must maintain commercial liability insurance even if monthly sales are below $10,000. Minimum coverage is $1 million per occurrence and $1 million in aggregate. New policies submitted by sellers in mainland China must be obtained through AIA. Existing valid third-party policies may be used until expiration, but renewals must move to AIA unless Amazon gives written consent.
What should sellers do now?
- 1This week, screen each store’s SKUs for baby and maternity products, beauty products, health foods, food-contact products, and powered products; create a high-risk list and record policy status. Reach 100% completion, with the insurance requirement marked for every SKU.Listing character checker
- 2This week, review policies for each store operated by a mainland China entity, distinguishing valid third-party policies submitted before November 2 from new applications or renewals; produce an expiration list and verify whether each policy must be moved to AIA.
- 3This week, inspect commercial liability policies for high-safety-risk categories store by store and confirm that both per-occurrence and aggregate coverage reach $1 million; create a four-column checklist covering policy number, coverage, validity period, and outstanding items.