Does Product Liability Cover Amazon Sellers?

Amazon’s Seller Central guidance says sellers subject to its requirement may use commercial general, excess, or umbrella liability insurance and that the policy should cover all listed products; it also specifies additional-insured and other documentation criteria. Those are Amazon’s contractual requirements, not a promise that every policy covers every product. A seller still needs a policy that actually insures its product and business.

Compare Amazon’s current instructions with the policy declarations, products-completed operations limit, named insured, product schedule, additional-insured endorsement, and deductible. Confirm that every listed product and relevant sales territory is covered. Amazon has also announced that additional enhanced-safety-category insurance rules are scheduled to take effect November 2, 2026. Recheck Seller Central for the requirements in force when you submit proof. Amazon’s requirements can involve the exact entity name and an endorsement naming Amazon as an additional insured, not merely a certificate notation. Match the policy to the platform’s current written criteria.