The KM Seller Brief · Marketplace updates and how to prepare for them.
Amazon has announced that from November 2, 2026, its commercial liability insurance rules for Amazon.com get stricter. If you sell products in categories Amazon lists as having enhanced safety listing requirements, you will need a qualifying policy for those products no matter how much you sell. That is ten days from today, and insurance paperwork rarely moves fast.
The problem: what is changing
Under the existing rule, Amazon requires sellers to obtain and maintain commercial liability insurance within 30 days once gross proceeds from Amazon.com sales exceed USD 10,000 in any month, with minimum coverage of USD 1 million per occurrence and in the aggregate. Amazon’s announcement keeps that rule and adds two new ones:
- Enhanced-safety categories need cover regardless of sales. Sellers with products listed in categories with enhanced safety listing requirements must maintain a commercial liability policy covering those products, with at least USD 1 million per occurrence and in aggregate, even if they never cross the USD 10,000 monthly threshold. Amazon says this applies to both new and existing listings.
- Sellers based in Mainland China must use the Amazon Insurance Accelerator (AIA). From November 2, Amazon says it will reject newly submitted policies from these sellers that were not obtained through AIA. A valid third-party policy that meets the requirements and was submitted before November 2 can be used until it expires.
Amazon names children’s products, cosmetic and ingestible products, and lithium battery products as examples, and says the list is not limited to those. Amazon’s Korean seller news post on the same change also lists fire-related products, general household devices, home medical devices, outdoor power and heating equipment, personal safety equipment, sleep products, transport-related products, and water and marine safety products. The authoritative list is the “Product categories with enhanced safety listing requirements” page inside Seller Central, and Amazon notes it can change.
Why it matters to sellers
- Smaller sellers are now in scope. Many sellers under USD 10,000 a month have never needed a policy. If any of your ASINs fall in an enhanced-safety category, that changes on November 2.
- Existing listings are affected, not just new ones. A product that has sold quietly for years can still be caught by this rule.
- An existing policy may not be enough. Amazon’s Korean post points out that the policy must actually cover the enhanced-safety products and meet details such as naming the correct additional insured, a deductible no higher than USD 10,000 shown on the certificate, no sunset clause, and an insured name that matches your legal business name in Seller Central.
- Insurance alone does not make a listing sellable. The same post notes these categories also need product validation from an authorized third-party testing, inspection and certification (TIC) provider.
- Timing. Getting a quote, receiving a certificate, submitting it and waiting for Amazon’s review all take time. Starting late raises the risk of listings being unable to sell while you catch up.
Practical steps to prepare this week
- Map your catalog against the official list. Open the enhanced-safety categories page in Seller Central and check every active and inactive ASIN against it. Don’t wait for a notification email; check it yourself.
- Check Account Health and the Business Insurance page in Seller Central for any messages or open requirements.
- If you already have a policy, read it line by line. Confirm with your broker or insurer that it covers the specific enhanced-safety products you sell on Amazon.com, that the limits are at least USD 1 million per occurrence and in aggregate, and that the deductible, additional insured wording and insured name match what Amazon asks for on its Commercial Liability Insurance requirements page.
- If you don’t have a policy, start quotes now. You can use any insurer that meets the requirements, or compare options through Amazon Insurance Accelerator. Sellers based in Mainland China should plan for AIA for new submissions.
- Submit your Certificate of Insurance early through the Business Insurance page and keep a copy of the policy, the certificate and your submission confirmation.
- Confirm TIC validation for products in these categories, since insurance alone will not clear them for sale.
- Set a renewal reminder. A policy that lapses or isn’t renewed can put you back out of compliance, so track the expiry date well in advance.
This post is general information, not legal or insurance advice. Requirements can change, so treat Amazon’s own pages in Seller Central as the final word and speak to a licensed insurance professional about your specific coverage.
Want a second pair of eyes?
If you’re not sure which of your listings are affected or whether your account has other compliance gaps, you can request a free written audit from KM Automations. We’ll review your store and send back plain-English notes on what to look at. You can also browse the KM Automations blog for more seller guides.
Sources
- Amazon Seller Forums (official announcement): New Commercial Liability Insurance Requirements effective November 2, 2026
- Amazon Global Selling Korea, seller news (Sept 18, 2026, in Korean): US commercial liability insurance requirement expanding from November 2