Amazon Updates Commercial Liability Insurance Requirements
From November 2, 2026, new insurance policies submitted by sellers in mainland China must be obtained through Amazon Insurance Accelerator; certain high-safety-requirement categories are not subject to the sales threshold.
What are the key facts?
- 1New insurance requirements take effect November 2, 2026
- 2Certain categories require insurance even below the sales threshold
- 3New policies from mainland China sellers must be obtained through AIA
- 4Minimum coverage is $1 million
What happened?
Amazon announced new commercial liability insurance requirements, scheduled to take effect on November 2, 2026. Under the current rules, sellers whose monthly sales revenue on Amazon.com exceeds $10,000 must purchase and maintain commercial liability insurance within 30 days, with minimum coverage of $1 million per occurrence and in aggregate. The new requirements further cover categories with enhanced safety requirements, including children's products, cosmetics, ingestible products, and lithium battery products. These products must have insurance coverage of at least $1 million even when monthly sales are below $10,000. For sellers located in mainland China, new insurance policies submitted from November 2 must be obtained through Amazon Insurance Accelerator. Previously submitted third-party policies that remain valid may be used until expiration, but renewals must use AIA. The change affects sellers of consumer products, mother-and-baby products, beauty products, food, health supplements, and powered products.
What does this mean for cross-border sellers?
From November 2, 2026, new commercial liability insurance policies submitted by sellers in mainland China must be obtained through Amazon Insurance Accelerator. Children's products, cosmetics, ingestible products, and lithium battery products are also not subject to the $10,000 sales threshold. Review categories, coverage limits, and renewal arrangements in advance to avoid compliance issues caused by an invalid channel or insufficient coverage.
What should sellers do now?
- 1This week, review Amazon.com products in categories such as children's products, cosmetics, food, health supplements, and powered products; create a category-and-insurance requirements list and confirm that each relevant category has at least $1 million in coverage.Listing character checker
- 2Review the validity period, covered products, and coverage amount of each existing third-party policy; flag policies requiring renewal and record the Amazon Insurance Accelerator process for renewals after November 2, 2026.