Commercial liability insurance: $1m cover for enhanced-safety categories

From 2 November 2026, US sellers with listings in enhanced-safety categories must keep $1 million commercial liability cover regardless of sales volume. Mainland China–based sellers must use Amazon Insurance Accelerator for new policies.

US2 Nov 2026Compliance · Account health

What changed

Alongside the existing $10k/month proceeds trigger, enhanced-safety category listings now require USD 1 million per occurrence and aggregate cover. New policies from Mainland China–based sellers must come through Amazon Insurance Accelerator (AIA); compliant policies filed before 2 Nov can run until expiry.

Source: Amazon Seller Forums — commercial liability insurance

Who’s affected

US marketplace sellers with products in enhanced-safety categories; Mainland China–based sellers submitting new insurance.

What to do

  1. Check Account Health / Business Insurance for which of your ASINs sit in enhanced-safety categories.
  2. Upload a compliant Certificate of Insurance showing $1m cover naming the correct legal entity.
  3. If you are Mainland China–based, route new policies through AIA; do not wait for an old policy to fail review.
  4. Inventory planning is unchanged, but listing deactivation risk is real — protect top SKUs’ continuity.

Why it matters for replenishment

Policy, fee and inbound changes move the dates and unit economics behind reorder points. Update lead times, landed cost and channel buffers in the same week Amazon publishes the change — not after the stockout.

Related tools & glossary

Educational summary only. Always confirm in Amazon Seller Central Help for your marketplace. Not legal, tax or customs advice.