Amazon Expands Insurance Requirements for High-Risk Categories
Starting November 2, 2026, certain high-safety-risk categories must carry commercial liability insurance at the required limits even if monthly sales are no more than $10,000.
What are the key facts?
- 1New rules take effect November 2, 2026
- 2The $10,000 sales threshold is removed for certain high-risk categories
- 3Commercial liability coverage must be $1 million per occurrence and $1 million in aggregate
- 4Mainland China sellers must use AIA for newly submitted insurance documents
What happened?
Amazon announced that, effective November 2, 2026, categories subject to enhanced safety Listing requirements—including children’s products, cosmetics, edible or ingestible products, and lithium battery products—must carry commercial liability insurance even when the seller’s monthly Amazon.com sales do not exceed the previous $10,000 threshold. The insurance must provide at least $1 million per occurrence and $1 million in aggregate coverage. For sellers located in mainland China, newly submitted insurance documents must be obtained through Amazon Insurance Accelerator (AIA). After November 2, Amazon will reject newly submitted non-AIA insurance, but third-party policies submitted before that date and still valid may continue to be used until expiration. The rule directly affects low-volume small sellers and sellers of health foods, food, children’s toys, battery-powered products, and beauty and personal-care products. Sellers should confirm product classification and insurance availability in advance.
What does this mean for cross-border sellers?
From November 2, 2026, sellers of children’s products, cosmetics, edible or ingestible products, and lithium battery products may need insurance even if monthly Amazon.com sales are below $10,000. Mainland China sellers submitting new insurance documents must use Amazon Insurance Accelerator (AIA), with coverage of at least $1 million per occurrence and $1 million in aggregate.
What should sellers do now?
- 1This week, export Listings for children’s products, cosmetics, food, and lithium battery products in the Amazon.com store and verify whether each falls under the enhanced safety Listing requirements; create a list of categories, ASINs, and insurance status.Compliance
- 2For affected low-volume products in mainland China stores, confirm with Amazon Insurance Accelerator (AIA) the availability of compliant commercial liability insurance; obtain documentation or quotation records showing coverage of $1 million per occurrence and $1 million in aggregate.
- 3Audit submitted third-party policies and record the submission date, covered Listings, and expiration date; mark policies submitted before November 2, 2026 that remain valid as eligible for continued use, and route new materials through AIA.