Business Insurance for Amazon Sellers

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Why do Amazon sellers need insurance?

Business insurance helps Amazon sellers recover from costly accidents, such as a fire at a storage unit that destroys your inventory. Some policies, like a general liability policy, are required once you sell a certain amount.

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Find the right coverage

Insureon helps Amazon sellers find policies that match their unique risks and requirements. Fill out one free application to compare quotes from top-rated insurance companies.

Got questions? Our insurance agents will help you every step of the way.

What types of business insurance do Amazon sellers need?

These policies cover the most common risks of selling on Amazon.

Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for Amazon sellers to buy general liability insurance and commercial property insurance together.

BEST FOR
  • Bodily injury and property damage lawsuits
  • Inventory damage or loss
  • Business interruption coverage
General liability insurance icon

General liability insurance

This policy covers common third-party lawsuits, such as slip-and-fall accidents. It usually includes product liability insurance for financial protection against harm caused by your products.

BEST FOR
  • Product liability insurance
  • Personal injuries
  • Advertising injuries
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for Amazon retailers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Employer's liability insurance
Cyber liability insurance icon

Cyber liability insurance

This policy helps Amazon sellers survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Umbrella insurance boosts coverage on an Amazon seller's general liability, employer’s liability, or commercial auto insurance policy once the limit is reached on a claim.

BEST FOR
  • Customer injury lawsuits
  • Property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto liability insurance is usually required for business-owned vehicles. This policy covers accidents involving an Amazon seller's delivery van or other vehicle.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or storms
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

Retailer with a clipboard calculating the cost of business insurance.

Amazon sellers who work alone will pay less for insurance than an e-commerce store with a dozen employees.

Factors that affect the cost of insurance include:

  • Retail products and services offered
  • Business equipment and property
  • Business income and size
  • Type of insurance purchased
  • Policy limits and deductibles
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What are Amazon seller insurance requirements?

Amazon requires business insurance for Amazon Pro Merchants and sellers with gross proceeds of over $10,000 during any month from sales on its platform. According to the Amazon Services Business Solutions Agreement, the minimum requirements are $1 million per-occurrence and $1 million aggregate limits of commercial general liability insurance and product liability insurance.

General liability insurance often includes product liability insurance, or you can add it as an endorsement. Some sellers may need commercial umbrella insurance (or excess liability insurance) to boost their liability coverage limits.

Your policies must name Amazon and its assignees as additional insureds. Sellers may need to mail a certificate of insurance to Amazon to prove they carry this coverage.

How do I get Amazon seller insurance?

Sales fluctuate, and you may suddenly find you've hit the threshold where you need insurance coverage – fast.

Amazon sellers can get insured quickly with Insureon if you have your business information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. carriers to find coverage that fulfills Amazon's insurance requirements, whether you're an independent contractor or hire employees. Get insured today and find peace of mind knowing your business can survive the unexpected.

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