Amazon Updates Insurance Requirements for Sellers in Mainland China
Amazon’s new commercial liability insurance requirements take effect on November 2, 2026. Sellers in certain high-risk categories must maintain insurance even if they do not meet the sales threshold.
What are the key facts?
- 1New commercial liability insurance requirements take effect on November 2, 2026
- 2Sellers with monthly Amazon.com sales above $10,000 must obtain commercial liability insurance within 30 days
- 3Certain categories subject to enhanced safety requirements must maintain insurance even below the sales threshold
- 4Mainland China sellers must obtain newly submitted policies through Amazon Insurance Accelerator
- 5Previously valid third-party policies may be used until expiration
What happened?
Amazon has announced updates to its commercial liability insurance requirements, with the new requirements taking effect on November 2, 2026. Under the current rules, sellers with monthly sales revenue exceeding $10,000 on Amazon.com must obtain commercial liability insurance within 30 days, with minimum coverage of $1 million per occurrence and $1 million in aggregate coverage. The new requirements expand insurance coverage to certain product categories. Sellers of children’s products, beauty products, ingestible products, lithium battery products, and other products subject to enhanced safety requirements must maintain insurance covering the relevant products even if they have not reached the $10,000 monthly sales threshold. For sellers whose principal place of business is in mainland China, new policies submitted from November 2 onward must be obtained through Amazon Insurance Accelerator. Third-party policies submitted previously that remain valid may continue to be used until expiration. The policy affects mainland China-based brand sellers, general-merchandise sellers, consumer electronics sellers, and sellers of high-risk products. Sellers can review the policyholder, covered products, coverage limits, territory, and validity period in advance to avoid rejection of new policies or restrictions on product sales.
What does this mean for cross-border sellers?
From November 2, 2026, mainland China sellers must obtain newly submitted commercial liability insurance policies through Amazon Insurance Accelerator. Sellers of children’s products, beauty products, ingestible products, and lithium battery products must maintain relevant coverage even if they are below the monthly sales threshold. Failure to verify the policyholder, covered products, coverage limits, territory, and validity period in advance could result in policy rejection or sales restrictions.
What should sellers do now?
- 1Review the products sold in your stores this week, identify children’s products, beauty products, ingestible products, and lithium battery products, and verify whether they are covered by existing policies.Platform Policy
- 2Check the policyholder, per-occurrence limit, aggregate limit, coverage territory, and expiration date of existing policies, and record items requiring additional coverage or renewal.
- 3If you plan to submit a new policy after November 2, 2026, learn about and prepare the information required to obtain coverage through Amazon Insurance Accelerator.