Hi Sellers,

Connor from Amazon here, I wanted to share information on our Commercial Liability Insurance Requirements as I've seen couple of posts on this from the past few weeks:

Commercial liability insurance will protect you from incidents resulting from the products you sell, and give you peace of mind while you focus on growing your business. Under section 9 of the Amazon Services Business Solutions Agreement, you must obtain and maintain commercial liability insurance within 30 days after exceeding USD 10,000 in gross proceeds in sales in one month on Amazon.com, or if otherwise requested by us.

You may purchase either commercial general, excess, or umbrella liability insurance. When you decide on an insurance provider, your policy should cover all products you list for sale in the Amazon.com store.

Your commercial liability insurance policy must meet all of the following criteria, unless otherwise required by applicable law or regulation:

1. The insurance policy type can be either commercial general, umbrella, or excess liability and be occurrence based, except for certain product categories that are outlined in the Frequently asked questions;
2. The policy limit must be at least USD 1 million per occurrence and in aggregate, and cover liabilities caused by or occurring in conjunction with your business operations, including products, products/completed operations and bodily injury;
3. The deductible for any policy(ies) must not be greater than $10,000. Any deductible amount must be listed on your Certificate of Insurance;
4. The policy must cover all sales from products you have listed on the Amazon.com store;
5. The policy must name "Amazon.com Services LLC and its affiliates and assignees" as additional insureds;
6. Except for single-member LLCs, your insured name must match the “legal entity” name you provided to Amazon in your Account Info. For single member LLCs, where your legal entity name is different than the name you publicly use to identify your business (“trade name,” “doing business as,” or “DBA”), it is also acceptable for your insured name to match your trade name;
7. Your insurance provider must have global claim handling capability and a financial rating of S&P A- and/or AM Best A- or better (if S&P or AM best is not valid or used in the country where you are required to obtain insurance, a local equivalent is allowed);
8. The policy must be completed in its entirety and signed; and
9. Your insurance provider must give Amazon at least 30 days’ notice of cancellation, modification, or nonrenewal.

If you currently do not have liability insurance or are looking for a new policy, you can choose any insurance provider that meets our requirements above. To help you easily and affordably secure liability insurance, we have worked with an insurance broker to create Amazon Insurance Accelerator, a network of insurance providers who will evaluate and, if appropriate, offer liability insurance at competitive rates to qualifying sellers. You can learn more about Amazon Insurance Accelerator and contact the providers here.

As always, we are happy to help in case you have any questions, you can post them below.

Best,

Connor