Amazon Seller Insurance
Protect your business, stay compliant, and ensure success with affordable Amazon seller insurance from Insurance Canopy. Apply online today and receive a free, custom quote in 24 hours.
Product Liability Insurance for Online Sellers
You’ve worked hard to build your e-commerce business — now it’s time to protect it. With Insurance Canopy, you can quickly access affordable, personalized liability insurance so you can have coverage on most online marketplaces.
- $2 million in General & Product Liability Insurance
- Occurence form policies
- Personal & Advertising Injury included
- Apply online in minutes, get a quote in 24 hours
- Optional coverage add-ons available
- Add unlimited additional insureds
- Tailored to your business and products
What Is Amazon Seller Insurance?
Amazon seller liability insurance is a type of coverage designed to help you pay for third-party claims of injuries or damages caused by the products you sell.
Bodily harm, such as allergic reactions
Property damage
Legal fees and medical expenses
Failure to Provide Warnings
Injuries or Damages from product defects
And more
Even if you did not make the products, you can still be sued and held liable for accidents they trigger. Your insurance is intended to financially back you if something goes wrong.
Do I Need Insurance to Sell on Amazon?
Yes — all Amazon sellers must have liability insurance to meet marketplace requirements and safeguard their business from lawsuits and costly claims.
Anyone who sells at least $10,000 in 30 days must carry Amazon seller business insurance that meets contract requirements. Failure to do so can lead to permanent suspension of your Amazon account.
Why Amazon Sellers Need Liability Insurance
Whether Amazon sales are your full-time focus or a part-time gig, accidents can and will happen. Claims of choking hazards, illnesses, allergic reactions, fires, and property damage could befall your business without any warning — which may lead to recalls, settlements, or even bankruptcy.
In most cases, Amazon will not take the blame for a non-insured claim caused by your product or business operations. That makes you fully responsible for any costs and repercussions. Having the right protection plan in place can help keep you in business for years to come.
This helps protect you as a seller and Amazon as a marketplace in the case of a product liability claim.
Coverage Details
General Liability Limits
The most your policy will pay for bodily injury and property damage claims, occurring during your coverage, as a result of your business operations.
$2,000,000
The maximum amount your policy will pay during the policy term for claims of bodily injury and property damage as a result of your products or business operations conducted away from business’s premises—even after operations are completed.
$2,000,000*
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
The maximum amount paid per incident during the term of the policy.
$1,000,000*
Applies to damage by fire to premises rented to you and to damage, regardless of cause, to premises (including contents) occupied by your business for 7 days or more for fire, 7 days or less for other types of covered damage.
$300,000
A no-fault medical coverage that allows you to cover medical or funeral expenses for an individual up to the issued limit—without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$5,000
This is the amount we deduct from a claim before paying up to your policy limits
$2,500
*Other limits available on underwriting approval
How Much Does Amazon Product Insurance Cost?
Amazon product insurance starts at $116 a month or less for over 50% of Insurance Canopy customers. Our Amazon seller business insurance policies are tailored to your product and business needs. And because every business is unique, so is the price of your policy, which could be impacted by your:
Business Type
Your industry and day-to-day operations can increase your costs.
Revenue
The amount you sell reflects the amount of coverage you need.
Coverage Limits
Some retailers require certain insurance limits on your policy.
Claims History
Past claims can put you at high risk and impact your limits.
Business Type
Your industry and day-to-day operations can increase your costs.
Revenue
The amount you sell reflects the amount of coverage you need.
Coverage Limits
Some retailers require certain insurance limits on your policy.
Claims History
Past claims can put you at high risk and impact your limits.
What Are Amazon’s Seller Insurance Requirements?
If you make $10,000 in sales in 30 days, your contract requires you to obtain a policy that meets Amazon insurance requirements. Some of these include:
- Proof of insurance with an original, signed Certificate of Insurance (COI)
- A policy with a general liability limit of at least $1 million that covers all listed Amazon products, and includes product liability and other necessary coverages
- Amazon must be named as an additional insured on your COI
- A Policy from an insurance carrier with a rating of S&P A- or AM Best A- or better
- The policy deductible must not exceed $10,000
Why Choose Insurance Canopy?
We Have A (Nearly) 5 Star Rating
-
Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024 -
Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024
-
Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024
Questions About Amazon & Online Seller Insurance
Amazon sellers face risks like product liability if their products cause harm and intellectual property infringement if they unknowingly sell counterfeit or infringing items.
You can also encounter issues with false advertising, contractual breaches, and cybersecurity threats, all of which could lead to legal and financial consequences.
Yes, our policies meet the requirements for Fulfillment by Amazon (FBA) Sellers. We have structured our policies to meet Amazon Pro Merchant Sellers, which have the highest standards for sellers. This means all types of Amazon sellers may receive coverage with our Amazon small business insurance.
If you need to adjust your policy to meet needs specific to your business, our quotes process allows you to increase your limits or include additional coverage options. After submitting an application, you will be able to work with one of our experienced agents to customize your coverage.
FBA is a logistics service for Amazon sellers. A seller will still manage their own online storefronts on Amazon, and the marketing of their products, but Amazon handles the logistics of it. Your physical products are stored at Amazon fulfillment centers where they package, ship, and provide the customer service for your products.
Yes! Insurance Canopy offers add-ons in addition to the coverages bundled into your base plan, such as:
- Cyber liability coverage: Protects you and your customers in the case of cyber crimes, including damages, legal fees, restorative measures, and more
- Additional insureds: An outside third party (like another business or a manufacturer) that can be added to you policy and covered for claims your business causes
- Product recall coverage: Covers the cost of pulling a recalled product from the market if you or a manufacturer issue a recall on an item you sell (or have sold)
- Inland marine insurance: Insures the gear, supplies, and equipment you use to run your business, including inventory, while in transit on land or stored on and off-site
Most insurance companies, including Insurance Canopy, only offer insurance for Amazon sellers located in the US. We recommend you register your company in the US before applying for a policy. You can also contact insurance companies in your country.
Yes, Amazon may help pay for defect product claims as long as they are under $1,000. However, many claims often exceed $1,000 — legal fees, repair costs, and medical bills can quickly add up. Having insurance is a much more reliable route for securing financial support in the case of a claim (and can cover you for more than a defective product).
Yes! Insurance Canopy offers e-commerce business insurance, including product liability insurance for online sellers in other marketplaces, such as Etsy, and Ebay. Get a free quote today to see how we can customize your coverage based on your e-commerce needs.
Need additional information before making a decision?
Give our team a call today at 888.600.0894
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