What Is Changing on November 2, 2026?
Amazon’s existing commercial liability insurance policy generally requires:
- $1 million in coverage per occurrence;
- $1 million in aggregate coverage.
The 2026 update adds two major changes:
- Sellers with products in enhanced-safety categories must maintain commercial liability insurance regardless of monthly sales.
- Mainland China sellers must obtain newly submitted policies through AIA.
The enhanced-safety requirement applies to both new and existing listings.
Which Amazon Product Categories Are Affected?
Amazon says enhanced-safety categories include, but are not limited to:
- children’s products;
- cosmetic products;
- ingestible products;
- lithium battery products.
This is not an exhaustive list. Sellers should check Amazon’s current category requirements rather than relying only on these examples.
The rule focuses on products that may involve greater safety, bodily injury, ingestion, battery, or child-use risks.
Does the $10,000 Sales Threshold Still Apply?
Yes. The existing threshold has not been removed.
Sellers may now need insurance for either of the following reasons:
Therefore, sales below $10,000 do not automatically exempt a seller whose product falls into an affected category.
What Are the Rules for Mainland China Sellers?
Starting November 2, 2026, newly submitted commercial liability insurance policies from Mainland China sellers must be obtained through the Amazon Insurance Accelerator.
Amazon describes AIA as a network of pre-vetted insurance providers familiar with its coverage requirements.
After the effective date, Amazon says it will reject newly submitted policies obtained outside AIA by Mainland China sellers.
Existing Third-Party Policies
A Mainland China seller with a qualifying third-party policy may submit it before November 2, 2026. If accepted, the policy may continue to be used until it expires.
After expiration, the seller will need to obtain insurance through AIA.
How Much Liability Insurance Does Amazon Require?
Affected sellers need minimum commercial liability coverage of:
- $1 million per occurrence;
- $1 million in aggregate coverage.
Amazon’s seller guidance has also stated that insurance should cover the products listed on Amazon. Acceptable coverage may include commercial general liability, excess liability, or umbrella liability insurance, subject to Amazon’s policy requirements.
Sellers should therefore review the policy terms rather than focusing only on the coverage amount.
Could Amazon Remove Listings for Insurance Non-Compliance?
Amazon can request proof of qualifying insurance, and its insurance requirements form part of the Amazon Services Business Solutions Agreement.
Sellers who fail to meet applicable requirements may face listing or account consequences.
However, sellers should avoid assuming that every affected listing will automatically be removed at a specific moment on November 2. The practical priority is to determine whether insurance is required and prepare before enforcement action occurs.
What Should Amazon Sellers Do Before November 2?
1. Audit Your Product Categories
Review every ASIN currently sold on Amazon.com.
Pay particular attention to products involving children, batteries, cosmetics, ingestion, or other regulated safety concerns. Include both new and existing listings in the review.
2. Review Your Current Insurance
Check:
- coverage amount;
- products covered;
- policy expiration date;
- insurance provider;
- whether the policy meets Amazon’s current requirements;
- whether Amazon has already accepted the policy.
A policy that does not meet Amazon’s requirements may not resolve the compliance issue.
3. Mainland China Sellers Should Review the Transition Rule
If your business is based in Mainland China and you currently use third-party insurance, determine whether the policy can be submitted before November 2.
For policies submitted after the effective date, prepare to use Amazon Insurance Accelerator.
4. Check Insurance Before Launch
For products with elevated safety requirements, compliance and insurance should be reviewed before listing and launch.
A more resilient workflow is:
Product research → compliance check → insurance check → listing preparation → launch
This is preferable to launching first and dealing with compliance later.
Why This Update Matters Beyond Insurance
Amazon’s update reflects a broader shift in marketplace operations.
Compliance is increasingly becoming a product-level consideration rather than only an account-level administrative task.
Product economics may need to include:
- product cost;
- freight;
- marketplace fees;
- advertising;
- returns;
- testing and certification;
- insurance.
= true operating cost
Insurance should therefore be included in the unit-economics and operational-risk calculation before inventory is committed.
What This Means for Listing Teams
The insurance policy itself is not a listing-optimization rule, but it affects how product teams should plan launches.
Before investing heavily in product photography, listing images, localization, and A+ Content, teams should confirm that the product can be sold under the applicable compliance framework.
Once compliance is confirmed, tools such as BeePOP can help turn approved product assets into Amazon listing visuals, including main images, lifestyle images, feature graphics, detail images, and A+ Content.
Compliance determines whether the product can remain on the marketplace. Content determines how effectively it competes once it is there.
FAQ
Does every Amazon seller need liability insurance in 2026?
No. Insurance is generally required when Amazon.com gross proceeds exceed $10,000 in one month, when the product falls under enhanced safety listing requirements, or when Amazon otherwise requires it.
What if my Amazon sales are below $10,000 per month?
Sales below $10,000 do not exempt sellers whose products are subject to enhanced safety listing requirements.
Which products may require insurance regardless of sales?
Amazon mentions children’s products, cosmetic products, ingestible products, and lithium battery products as examples. The list is not limited to these categories.
How much coverage does Amazon require?
The updated requirement specifies at least $1 million per occurrence and $1 million in aggregate coverage.
Do Mainland China sellers have to use AIA?
Newly submitted policies from Mainland China sellers must be obtained through Amazon Insurance Accelerator beginning November 2, 2026.
Can existing third-party insurance be used?
A qualifying policy submitted before November 2, 2026, may continue to be used until it expires. After expiration, the seller must obtain insurance through AIA.
Sources
Amazon Seller Central — New Commercial Liability Insurance Requirements Effective November 2, 2026
