Do I need general liability insurance to sell on Amazon?

Yes, once your gross proceeds pass $10,000 in a month, or right away if you list in a category with enhanced safety listing requirements. Amazon requires at least $1 million per occurrence and in aggregate, and you have 30 days to upload the COI.

Does the Amazon policy have to be occurrence-based?

Yes. Amazon accepts commercial general, umbrella or excess liability written on an occurrence basis. A claims-made policy does not meet the requirement.

What does additional insured mean for Amazon?

It extends your policy to Amazon for claims about your products. The certificate must name Amazon.com Services LLC and its affiliates and assignees.

What deductible does Amazon allow?

Zero for most sellers. If your gross proceeds passed $1 million in the last 12 months, the policy may carry a deductible of up to $10,000, listed on the COI.

Do Etsy or Shopify require insurance?

No. Neither platform's terms require a policy. You still answer for claims about the products you sell.

Amazon seller insurance: the $1M requirement and how to upload your COI

Amazon requires US sellers to carry commercial liability insurance of at least $1 million per occurrence and $1 million in aggregate once gross proceeds pass $10,000 in a month. You then have 30 days to get the policy and upload the certificate of insurance (COI) in Seller Central.

Since November 2, 2026, the sales threshold no longer applies to listings in categories with enhanced safety listing requirements. Amazon names children's products, cosmetic and ingestible products, and lithium battery products. If you list in one of them, you need the $1 million policy now, at any sales level.

Walmart Marketplace asks for a COI once you pass $100,000 in sales in any 12 months. Etsy and Shopify do not require insurance in their terms.

Get a fast quote for your Amazon store

Insurance rules by marketplace, read from each marketplace's own terms on 2026-11-03
Marketplace	When you need a policy	Minimum limits	Additional insured on the certificate
Amazon	Over $10,000 in gross proceeds in a month, or any listing in an enhanced safety category (from November 2, 2026)	$1M per occurrence, $1M aggregate	Amazon.com Services LLC and its affiliates and assignees
Walmart Marketplace	Over $100,000 in GMV in any 12 months, or when Walmart notifies you	$1M per occurrence, $2M aggregate, general and product liability	Walmart Inc., its subsidiaries and its affiliates
Etsy	No requirement in the Terms of Use	None set	None set
Shopify	No requirement in the Terms of Service	None set	None set

What the Amazon policy must include

Commercial general liability, umbrella or excess liability, written on an occurrence basis.
At least $1 million per occurrence and $1 million in aggregate, covering every product you list on Amazon.com.
Amazon.com Services LLC and its affiliates and assignees named as additional insured.
The insured name matches the legal entity name in your Seller Central Account Info.
An insurer rated A- or better by S&P or AM Best.
At least 30 days' notice to Amazon before the insurer cancels or does not renew.
No deductible for most sellers. If your gross proceeds passed $1 million in the last 12 months, Amazon allows a deductible of up to $10,000 when the COI lists it.

What changed on November 2, 2026

Amazon announced two additions on its Seller Forums news account. The $10,000 trigger and the $1 million limits stay the same for everyone else.

Listings in categories with enhanced safety listing requirements need the $1 million policy regardless of sales. The rule covers new and existing listings.
Sellers based in Mainland China must buy the policy through the Amazon Insurance Accelerator. Amazon rejects other new policies from those sellers. Delegance cannot place that policy.

How to upload your COI in Seller Central

Log in to Seller Central.
Go to Settings, then Account Info, then Business Insurance.
Upload the certificate of insurance.
Enter the insurer name, policy number, start and end dates, and the coverage amount.
Check that the insured name matches the legal entity on your account.

How to send Walmart your COI

Walmart emails you when your account needs a COI. The Retailer Agreement gives you up to 30 days from that notice to get coverage. The certificate must list your legal business name as it appears in Seller Center.

Open the Seller Liability Insurance page in Seller Center.
Select Upload certificate and add the COI as a PDF of 10MB or less.
Select Upload certificate again to finish.

Etsy and Shopify

Neither platform sets an insurance requirement. Etsy's Terms of Use say a buyer must bring a product claim against the seller, not Etsy. Shopify's Terms of Service make you indemnify Shopify for claims that come from your sales. Either way, a claim about your product lands on you.

How Delegance helps

We quote general liability with product coverage from several carriers, put the exact additional insured wording on the certificate, and send a new COI whenever a marketplace or a retailer asks. You can request a certificate from the portal, by email or in chat.

Common questions

Do I need general liability insurance to sell on Amazon?: Yes, once your gross proceeds pass $10,000 in a month, or right away if you list in a category with enhanced safety listing requirements. Amazon requires at least $1 million per occurrence and in aggregate, and you have 30 days to upload the COI.
Does the Amazon policy have to be occurrence-based?: Yes. Amazon accepts commercial general, umbrella or excess liability written on an occurrence basis. A claims-made policy does not meet the requirement.
What does additional insured mean for Amazon?: It extends your policy to Amazon for claims about your products. The certificate must name Amazon.com Services LLC and its affiliates and assignees.
What deductible does Amazon allow?: Zero for most sellers. If your gross proceeds passed $1 million in the last 12 months, the policy may carry a deductible of up to $10,000, listed on the COI.
Do Etsy or Shopify require insurance?: No. Neither platform's terms require a policy. You still answer for claims about the products you sell.

Get a fast quote for your Amazon store

Sources, checked 2026-11-03

Delegance Brokerage is a licensed insurance broker (NPN 21282686). We are not affiliated with Amazon, Walmart, Etsy, Shopify or NEXT. Coverage depends on the policy you buy; read its terms.