Program Highlights

We have customized coverage to help Amazon sellers understand, analyze, and mitigate risks and improve resilience through an insurance program that is designed to meet your business needs.

Amazon sellers can secure insurance quickly with Marsh. Our online application will ask for basic information about your business and guide you through the coverage. You can get a quick quote from our carriers and buy a policy online.

As an Amazon seller, obtaining product liability insurance is essential. As with any retailer, there are always risks that your business or customers face when transacting with your store. Regardless of how safe you claim your products are or how tested they are against certain risks, there are always the possibility that something could go wrong. The policy protects your company from claims alleging third-party bodily injury or property damage caused by your product. It commonly protects you against legal defence costs arising from the lawsuit regardless of its outcome. General Liability including product liability insurance is the most commonly purchased type of business insurance by small business owners primarily because it provides comprehensive protection.

Amazon Seller Insurance Requirements

As per September 1, 2021 update from Amazon, all sellers who make over $10,000 in monthly sales on the Amazon platform must acquire a general liability insurance policy that meets the following criterion:

• At least a $1 million limit - Your insurance policy must cover business operations, personal injury, property damage, and product liability for at least $1 million per occurrence and in aggregate. It can be an umbrella or CGL policy with excess liability.
• Additional insureds - When you purchase an insurance policy, include Amazon as an additional insured. It provides a level of protection if they're named in a lawsuit against products bought via their website.
• Coverage proof - Proof of insurance may be requested at any time by Amazon and when they do you may have to send certificate of insurance to the Seattle headquarters.

Overview

Product Liability insurance - CGL protects your business against third-party property damage claims and bodily injury. At first glance, you might think your mostly online-based business doesnt need this coverage. But these days that is simply not the case. Unique liability challenges exist for Amazon sellers and product liability insurance is designed for any business that sells, manufactures, or distributes a product to consumers. If a consumer purchases a products and suffer a personal injury or property damage, they could file a claim against your Amazon shop or even sue your shop for the damages caused. These liability claims or litigation processes can be costly and without proper product liability insurance, the repercussions and damages might be difficult for your online business to recover from.

Why Choose Marsh

For over 150 years, clients have trusted Marsh to advise them during the most trying and celebratory times, helping them achieve success by becoming more resilient and attaining the possible. With new risks and opportunities constantly emerging, we help you navigate the changing risk landscape, realize your ambitious goals, and make your future more secure.

*Information on this website represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements, determines coverage. It contains exclusions, limitations, and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions, and requirements. Deductibles may apply. For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.

Amazon Seller liability insurance program coverages will be placed with a program administered by Marsh Canada Limited. Marsh Canada has engaged in a competitive marketing process to offer a competitive product. We have negotiated this Program on a group basis with insurers but we have not acted as a broker for any individual participant.

This Program may be for a term of several years and may not be negotiated annually.